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Lyudmila lives in Gyumri town with her husband and 3 children. She works at local school as a teacher and her husband Artur is a taxi driver. Lyudmila’s elder daughter studies at Armenian-Russian Slavonic University in the department of Finance and Credit.
Together with her husband, Lyudmila works hard to sustain her family’s living. Unfortunately this family’s current income doesn’t allow them to pay for their daughter’s tuition. So Lyudmila has applied for this loan of 230,000 AMD, to pay for her daughter’s tuition fee for the first semester.

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
  • 170
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • 406.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Lyudmila to pay for tuition fee for the first semester.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Nov 27, 2012
Currency Exchange Loss:
Dec 20, 2013