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Lena lives in Gyumri city, one of the oldest and most beautiful cities of Armenia, which was affected by a devastating and destructive earthquake in 1987. People of Gyumri have been largely affected by the earthquake and most are still struggling to survive.

Lena studies at Public Administration Academy of the Republic of Armenia, and together with her studies she works at a local company.

As Lena helps her family to cover daily costs, it is very difficult for her to save money for her education.

With a good credit history behind her (as she applied to SEF International for the tuition fee of the first semester last year), now Lena has requested this loan to pay for her university tuition of the second semester.

The loan is important for Lena to be able to complete her education and get a master's degree.

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
  • 139
    View loans »
    Armenia Loans Fundraising
  • $16,761,400
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Lena to pay for the university tuition of the second semester.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 16, 2013
May 2, 2013
Currency Exchange Loss:
Apr 16, 2014