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Gayane is from Goris town, where she lives with her husband and daughter. Gayane doesn't work as she has to take care of her husband, who is an invalid and has a disability pension.

Gayane's daughter Nona is a student at Goris State University. She specializes in the pedagogical department and currently is in her first course of study.

It is very difficult for Gayane to cover the family's expenses and at the same time save money for Nona's education, so Gayane is asking for a loan. She has requested this loan to cover her daughter’s university tuition and give Nona an opportunity to complete her education.

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
  • 127
    View loans »
    Armenia Loans Fundraising
  • $14,869,400
    Funds lent in using Kiva
  • 406.7
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Gayane to pay university tuition for her daughter.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 19, 2013
Sep 30, 2013
Currency Exchange Loss:
Oct 17, 2014