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Volodya H. is 48 years old. He lives in Tsakhkunk village in the area of Sevan with his wife and his son, who is a student.

For over 20 years, Volodya has been engaged in farming. He raises cows, sheep, pigs and chickens. Also he grows potatoes and wheat, most of which he sells in Hrazdan market. Volodya’s wife helps him in his occupation and thus they keep their family, develop their farm and pay for their son’s education.

Volodya intends to buy a truck, which will allow him to move his farm animals to mountains, to deliver fodder for his farm animals and to distribute potatoes and wheat to market. Therefore, Volodya asks Kiva lenders for a 1,000,000 AMD loan.

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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $14,888,900
    Funds lent in using Kiva
  • 373.0
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,700 helped Volodya to buy a truck.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 8, 2011
Apr 12, 2011
Currency Exchange Loss:
May 17, 2013