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Nina is from Gosh village in the Tavush region. Together with her husband, Nina is involved in cattle breeding and sustains her children - two daughters and two sons. Nina's elder son serves in the army and her elder daughter, Melanya, studies at Dilijan State Medical College. Nina and her husband work hard to sustain the family and cover their basic needs. But it is very difficult for them to save money for Melanya's education.

Nina has applied for this loan to pay for Melanya's university tuition. It is very important for the whole family to give Melanya an opportunity to complete her education and become a good specialist.

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
  • 143
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • 418.1
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Nina to pay for her daughter's university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 18, 2013
Mar 29, 2013
Currency Exchange Loss:
Apr 16, 2014