A loan of $1,475 helped to pay for technical supplies to teach children with disabilities.


Gayane's story

Gayane has been a speech therapist for 5 years and lives with her husband and two school-aged children, 11 and 7. She works with children who have disabilities and need specialists like her to maintain communication with the outside world. She holds lessons at her house, which is located in Metsamor, Armavir. Due to her kind and professional attitude toward children, she is known in her town as a good specialist. With great care, she teaches children who can't communicate with people or can't pronounce words correctly.

Gayane requested a loan from local financial institutions several times to purchase supplies she needs for her work, but without any success. Her loan requests were rejected every time because her business isn't registered as a formal business. Gayane has now been approved for a loan within the framework of a new joint initiative between Kiva and SEF international. The start-up loan program provides informal businesses that do not have access to credit products with start-up loans with soft conditions. This new initiative will significantly improve Gayane's teaching conditions, as she will be able to purchase technical supplies for kids (computer, clipboard).

Gayane will be very grateful to Kiva lenders for their support. The loan is important for her to improve her work, which is very important to society.



Loan details


Lenders and lending teams



Loan details