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Hasmik is from Yerevan, where she lives with her parents and brother. Her mother works at local company and her father is retired and lives off a pension. Unfortunately the income of the family is barely enough to cover their basic needs. Hasmik is a student at Yerevan State University and now is in her fourth year of study. She works hard, studies carefully and wants to get a good job. Because it is very difficult for her parents to save money for Hasmik's education, she has applied for this loan to pay her tuition and complete her education. She hopes to become financially stable and help her parents meet the family's costs.

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
  • 135
    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 $375 helped Hasmik to pay for her university tuition.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 30, 2013
May 31, 2013
Currency Exchange Loss:
Jul 17, 2014