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Silvard is from Yerevan town, and lives with her mother, sister, and daughter Sofya (in the photo). Silvard works at a local company, but the income is hardly enough to cover the family's basic expenses.

Silvard's daughter, Sofya, studies architecture and construction design at Yerevan State University. She is a very hardworking young lady with a purposeful future, so Silvard works hard to cover her education costs.

Since it is very difficult for Silvard to save money to cover her daughter's tuition, she has applied for this loan. Silvard will pay the university tuition, and will give Sofya an opportunity to complete her education and become a good designer.

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
  • 164
    View loans »
    Armenia Loans Fundraising
  • $17,102,400
    Funds lent in using Kiva
  • 411.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Silvard to pay university tuition for her daughter.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 4, 2013
Mar 15, 2013
Currency Exchange Loss:
Apr 16, 2014