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Gayane, age 50, is a student at Yerevan State Institute of Theater and Cinema. She earns an income as an employee at a local company, but she has always dreamed of becoming a producer, and she is now taking classes to bring that dream to reality.

She lives with her husband, son, and daughter-in-law in Yerevan. Her monthly income is enough to cover her family's daily expenses, but she requires additional funds in order to pay her university costs. She has applied for this loan so that she can pay her tuition.

This loan is important for Gayane because it will allow her to complete her education, get her diploma, 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
  • 129
    View loans »
    Armenia Loans Fundraising
  • $16,766,225
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Gayane to pay for university tuition.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 29, 2013
May 31, 2013
Currency Exchange Loss:
Jul 17, 2014