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Gayane lives in Darakert village with her husband, mother-in-law and 19-year-old daughter. Her daughter Tamara is a student at the Armenian State Agrarian University. Gayane works at a local laboratory and her husband is a taxi driver working at a local taxi service. They work hard to sustain their family's living and provide appropriate living conditions for them.

As it is very difficult for Gayane to save money for Tamara's education, she has applied for this loan. The loan will enable Gayane to pay for her daughter's university tuition, and Tamara will be able to continue her studies there. The whole family waits for your support, and they will be very grateful to you.

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
  • 128
    View loans »
    Armenia Loans Fundraising
  • $14,836,500
    Funds lent in using Kiva
  • 406.4
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Gayane to pay for the university tuition of her daughter.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 16, 2014
Jan 22, 2014
Currency Exchange Loss:
Feb 20, 2015