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Vardan and his wife have been engaged in animal breeding for more than 10 years. They raise five cows and two calves as well. The milk that is produced Vardan takes to the factory, providing for his family and paying for his daughter's education.

Vardan is 50 years old. He lives in Stepanavan and he has two adult children: a daughter and a son. His daughter is a student and his son lives in another country.

Vardan intends to develop his farm so he needs a 500,000 AMD loan to buy three bull calves for his farm.

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
  • 128
    View loans »
    Armenia Loans Fundraising
  • $14,869,400
    Funds lent in using Kiva
  • 389.6
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Vardan to buy three bull calves.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 7, 2012
Mar 18, 2012
Currency Exchange Loss:
May 17, 2013