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Smbat is from Vanadzor town, and is the father of two students, his daughters. He works at a local factory as a production manager, and his wife takes care of their household.

Smbat's daughters study at the Yerevan State Medical University after Mkhitar Heratsi. Smbat's salary to covers his household costs, but it is not enough to save for his daughters' education costs. So, this hardworking and beloved father asks for help from lenders to cover his elder daughter's tuition fee.

He will be very grateful for such a great assistance.

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
  • 154
    View loans »
    Armenia Loans Fundraising
  • $15,809,675
    Funds lent in using Kiva
  • 406.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Smbat to pay for university tuition for his daughter.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 13, 2013
Oct 3, 2013
Currency Exchange Loss:
Oct 17, 2014