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The Micro Enterprise Development program started in 1997 as a part of World Vision’s sustainable development approach to create job opportunities for the poor in Armenia. To carry out a full-range of credit activities through urban and rural branches in Armenia, World Vision International founded SEF International in 1998. Currently SEF International is owned by VisionFund International – a subsidiary of WVI specialized in microfinance. Since 2003 SEF is licensed and regulated by the Central B
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