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Manya lives in Vanadzor with her husband. She has two children, a son and a daughter, who are already married and live separately from their parents.

For almost 15 years Manya has managed a shop, where she sells toys, tableware, souvenirs, perfumery and household goods. Her husband helps her in the business and her son brings merchandise from Yerevan to Vanadzor and helps in the shop when needed as well.

With the profit from her business, Manya and her son support their families. Manya needs a loan of 1,000,000 Armenian drams to buy a large lot of toys and household goods, which will allow her to increase her business income in the near future. Manya has received loans from Nor Horizon 12 times and she has never delayed in her loans repayments.

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
  • 143
    View loans »
    Armenia Loans Fundraising
  • $14,385,900
    Funds lent in using Kiva
  • 376.7
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,675 helped Manya to buy a large lot of toys and household goods for her business.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jun 8, 2011
Jun 12, 2011
Currency Exchange Loss:
Oct 15, 2011