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Gohar is a 46-year-old mother of one daughter. She lives in Yerevan with her husband and 18-year-old daughter, who studies at Yerevan State University in the Department of Management.

Gohar is a seller at a local shop and, together with her husband, she works hard to gather income and sustain her family.

Unfortunately, it is very difficult for Gohar to cover the family's costs and at the same time save money for her daughter’s education. So, Gohar has requested this loan from SEF International to pay for her daughter's university tuition.

The loan is very important for this whole family. Gohar dreams that daughter will become a good specialist and be financially independent in the future.

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
  • 163
    View loans »
    Armenia Loans Fundraising
  • $17,054,825
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Gohar to pay for university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 9, 2013
May 2, 2013
Currency Exchange Loss:
Mar 18, 2014