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Mariam is from Vanadzor town, where she lives with her mother and sister. Mariam is a 21-year-old and studies at Vanadzor State College of Medicine. Mariam's mother is involved in agriculture, which is the main source of their family's income.

Unfortunately, the current income that Mariam's family earns is barely enough to cover the household costs and doesn't allow them to save money for Mariam's education. So Mariam has applied for this loan from SEF International to get necessary funds to pay for her university tuition.

Mariam dreams of becoming a doctor after graduation and having a job with enough salary to be financially independent. This loan is important for her to continue her education and make her dream come true.

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
  • 138
    View loans »
    Armenia Loans Fundraising
  • $15,757,675
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Mariam to pay for university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 15, 2013
May 1, 2013
Currency Exchange Loss:
Apr 16, 2014