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Ofelya was born in 1958. She is married and has two daughters who are married and live on their own. Ofelya lives with her husband in the town of Ijevan. She worked as an accountant in one of Ijevan's factory for many years prior to its liquidation. Since 2004, she and her husband have made a living selling bouquets and wreaths from stall they rent in the town market. Thanks to the success of this business, Ofelya has been able to repair her house and pay for daughters’ education and weddings. She likes her work because it allows her to hear many romantic stories related to her bouquets. Ofelya has applied for a loan for 900,000 AMD to buy a big lot of flowers from which she will make compositions for sale. She plans to spend the expected income made possible by this loan to enlarge her shop.

Additional Information

About “Nor Horizon”

“Nor Horizon” UCO LLC is committed to promoting poverty alleviation in Armenia by providing high-quality financial and other business development services to enterprising individuals in under-served rural and urban markets who have a strong will to establish and develop their own small-scale businesses. Originally created as the Armenian micro credit program of Oxfam (Great Britain) in late 1995, “Nor Horizon” LLC has been licensed under supervision of the Central Bank of Armenia since early 2006.

For more information about “Nor Horizon,” please visit the partner page or website.

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About Armenia

  • $6,300
    Average annual income
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,072,150
    Funds lent in using Kiva
  • 383.6
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,350 helped Ofelya to buy a large lot of flowers.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Dec 10, 2009
Dec 15, 2009
Currency Exchange Loss:
Dec 15, 2011