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Heriqnaz is 54 years old and lives in Yerevan with her 19 year old daughter. Heriqnaz works at local store as a seller, and her husband is a migrant worker in a neighboring country.

Heriqnaz's daughter, Ani, studies at Yerevan "Gladzor" University and currently is in her fourth year of study. Because of current financial hardships that the family is facing, Heriqnaz is hardly managing to cover family's basic needs; there is no money left for her daughter's education. She has applied for this loan to help pay for Ani's university tuition so that she will be able to complete her studies. Heriqnaz will be very grateful for your support.

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
  • 159
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • 403.9
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Heriqnaz to pay for university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 21, 2013
Dec 4, 2013
Currency Exchange Loss:
Nov 17, 2014