SEF International UCO LLC is a universal credit organization, established in 1998 and licensed by the Central Bank of Armenia in 2003. The company is the WorldVision/VisionFund microfinance operation in Armenia. The Company aims to extend financial services to the underserved segment of the financial market with the goal to improve lives for families and children. 

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.