SEF International UCO

SEF International Universal Credit Organization LLC was founded in 1997 by WorldVision International, an international children-focused charity. In 2003, SEF International was licensed by the Central Bank of Armenia as a universal credit organization. SEF International serves its clients through 21 branches in all the regions of Armenia. The shareholder of SEF International UCO LLC is VisionFund International, the microfinance operation of WorldVision International.

Since 2003 SEF is licensed and regulated by the Central Bank of Republic of Armenia. Currently SEF is operating through two branches in Yerevan, branch offices in Gyumri, Artik, Goris, Sisian, Kapan, Meghri, Yeghegnadzor, Masis, Artashat, Vedi, Armavir, Ejmiatsin, Talin,  Aparan,  Ijevan, Noyemberyan, Vanadzor, Stepanavan, Gavar and Abovyan. The majority of SEF clients are located in the poorest rural communities.