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Elya lives in Hovtashat village of Ararat region with her husband and two grown-up children, ages 25 and 22 years old. Her husband works at a local post office and Elya herself is a student. She studies at Pedagogical University after Kh. Abovyan. Despite her age (Elya is 43) she desire and plan to get a higher education is very strong, so Elya studies hard to become a teacher.

She has now applied for this loan to ask Kiva and SEF to help her with university tuition. She wasn't able to save money for covering education costs and decided to apply for this loan. This is very important for Elya and she waits for your support.

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
  • 143
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • 412.7
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Elya to pay for university tuition.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 7, 2014
Mar 2, 2014
Currency Exchange Loss:
Feb 20, 2015