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Sofya is from Yerevan and studies at the Yerevan State Basic Medical College, where she specializes in nursing procedures. In addition to her studies, Sofya works at a local clinic as a recorder. The work is part-time so she is able to devote herself to her studies at the same time.

Sofya lives with her mother and brother. Her salary helps to cover the family’s daily needs, so it is very difficult for her to save money for her education. She has therefore decided to apply for a loan. She will use her loan funds to pay her tuition fees and continue her education.

Getting a higher education degree is essential for Sofya in order for her to be able to work in her area of specialization. She is grateful for the support of her lenders.

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
  • 124
    View loans »
    Armenia Loans Fundraising
  • $16,783,950
    Funds lent in using Kiva
  • 406.9
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Sofya to pay her university tuition fees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2013
Oct 24, 2013
Currency Exchange Loss:
Oct 17, 2014