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Bagrat is engaged in trading cement and crack filler. He has been running his own business for more than 10 years and it enables him to support his family. He was also able to repair his house, buy furniture for his house and buy a track for his business.

Bagrat buys cement and crack filler from Hrazdan city and resells them in his own small shop in Ijevan City. Bagrat always has many customers, so he must have a large lot of merchandise in stock.

Bagrat lives in Ijevan. He is married and has two school-aged children: a daughter and a son. Bagrat’s wife works at college as a biology teacher.

Bagrat is asking for a 550.000 AMD loan to buy wholesale cement and crack filler to resell.

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
  • $14,833,500
    Funds lent in using Kiva
  • 389.6
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Bagrat to buy wholesale cement and crack filler to resell.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 12, 2012
Mar 19, 2012
Currency Exchange Loss:
Apr 16, 2014