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Hambardzum lives in Yerevan with his parents and sister. Hambardzum studies at Yerevan State University. He is in the second course at the Faculty of International Relations.

Hambardzum works as a barber at a hairdressing salon, but the salary does not allow him to save sufficient funds for education. Hambardzum has applied for this loan of AMD 200000 to pay his university fee for the first semester.

Higher education is very important for Hambardzum to find a more profitable job in the future, and to sustain his family.

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
  • 171
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • 407.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Hambardzum to pay tuition for the first semester of the second course.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 19, 2012
Nov 26, 2012
Currency Exchange Loss:
Nov 18, 2013