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Ani is from Yerevan and she lives with her mother and brother. Ani studies at Yerevan State University of Architecture and Construction and is in the third course of study.
Ani's mother and brother work at local supermarket as sellers but unfortunately the income they get is barely enough to cover the household costs and does not allow them to save for Ani's education. So Ani has applied for the loan to SEF International. With the loan's help she will pay for her university tuition and will be able to complete her education.

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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Ani to pay for university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 21, 2013
May 29, 2013
Currency Exchange Loss:
Jun 17, 2014