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Mariam is from Yerevan. She lives with her mother, brother and sister and studies at Yerevan State University. Mariam's brother is a policeman and works hard to sustain the family's living. As he is the only breadwinner in the family, the profit he earns from his work is barely enough to make ends meet, so it is very difficult for the family to save money for Mariam's education.
Mariam has applied for this loan to get the necessary funds to pay for her tuition fees for the second semester.
The loan is very important for Mariam to be able 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
  • 127
    View loans »
    Armenia Loans Fundraising
  • $16,777,600
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Mariam to pay for tuition fees for the second semester.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 2, 2013
Currency Exchange Loss:
Jul 17, 2014