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Marine is a saleswoman at a local bakery shop in the town of Vanadzor, where she lives with her husband, their two daughters, and her mother-in-law. She and her husband both work to support the family.

Marine's elder daughter (shown with her in the photo) studies at the State Pedagogical Institute of Vanadzor and is currently in her fourth year of study. Marine and her husband work hard to cover the family's basic needs, and it is very difficult for them to save enough money to provide for their daughter's education. For this reason, Marine has applied for a loan to help her pay her daughter's university tuition fees.

The requested loan is very important for this family, and they are grateful for the support of their lenders.

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
  • 136
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • 406.9
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Marine to pay for her daughter's university tuition.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 24, 2013
Currency Exchange Loss:
Nov 17, 2014