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Gayane lives in Yerevan with her mother, father and brother. She studies at Yerevan State University and is in the third course of study. The whole family works hard to sustain their living. Gayane's parents work at a candy booth in one of the city markets. The income they earn is barely enough for covering household costs and doesn't allow them to save money for Gayane's education.
That is why Gayane has applied to SEF International for a loan to pay for her university tuition. The loan is very important for Gayane to be able to complete her education and become a good specialist.

Additional Information

More information about this loan

This loan is part of SEF's new education program, designed to finance school tuition for students whose families have low incomes or work in informal sectors of the economy. Funds can be used for partial or complete payment of expenses related to higher education, graduate studies or vocational training. By supporting this loan, you're enabling access to education for students with limited options.

About SEF International

SEF’s mission is to extend business development and financial services to emerging entrepreneurs in search of productive opportunities to support their families and communities and to build bright futures for children in Armenia.

About Armenia

  • $6,300
    Average annual income
  • 144
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Gayane to pay for university tuition.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 22, 2013
May 29, 2013
Currency Exchange Loss:
Jun 17, 2014