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Armine is 48 years old and lives in the town of Vanadzor with her son and daughter (in the photo).
Her daughter Astghik studies at Vanadzor State Pedagogical Institute, named after Hovhannes Tumanyan in the department of pedagogy and psychology. As Armine is the only breadwinner in the family and she supports her children without a husband or any other support, it is very difficult for her to cover family's basic costs and at the same time save money for Astghik's education. So, Armine has applied for this loan to pay for her daughter’s university tuition.
The loan is very important for Armine to pay for university tuition and give her children an opportunity to get higher education.

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
  • 406.5
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Armine to pay for university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 21, 2013
Currency Exchange Loss:
Feb 17, 2014