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Varduhi is engaged in cattle breeding and beekeeping in the Yegvard village for 22 years. The resulting agricultural products, milk, beef and honey, Varduhi and her husband sells in the cities Kapan and Kajaran. The agricultural products they produce is sold out very fast, as Varduhi and her husband always monitor the quality of their products carefully, offering their customers only high quality milk, honey and meat.

Varduhi told us that beekeeping and cattle breeding require large financial and physical investments, but she likes working in this business and this way provides for her family. Varduhi is 48 years old. After having finished school she enrolled at a vocational school in the Department of Commerce. Varduhi and her husband have four children: Two sons and two daughters. Three of the children live separate from the parents, and the oldest son lives together with them and helps them at the farm. Varduhi's husband works at the television station in parallel with working at the farm.

Varduhi applied for a loan in the amount of 3000 USD for the purchase of six bull-calves for her farm. The bulls allows Varduhi and her family significantly increase the profit from the cattle breeding in the future.
View original language description ↓
Вардуи занимается разведением крупного рогатого скота и пчел в деревне Егвард на протяжении 22 лет. Полученную сельскохозяйственную продукцию: молоко, говядину и мед Вардуи и ее муж реализуют в городах Капане и Каджаране. Произведенная ими сельскохозяйственная продукция раскупается очень быстро, так как Вардуи и ее муж всегда внимательно следят за качеством своей продукции и предлагают своим покупателям только высококачественные молоко, мед и мясо. Вардуи рассказала, что пчеловодство и скотоводство требуют больших денежных и физических затрат, но ей нравиться заниматься бизнесом и обеспечивать таким образом свою семью.
Вардуи 48 лет. После окончания школы она поступила в профтехучилище на отделение торговли. У Вардуи и ее мужа четверо детей: 2 сына и 2 дочери. Трое детей проживают отдельно от родителей, а старший сын живет вместе с родителями и помогает им на ферме. Муж Вардуи, параллельно с работой на ферме, работает на телевизионной станции.
Вардуи обратилась за кредитом на сумму $ 3.000 для приобретения 6 бычков для своей фермы. Бычки позволят Вардуи и ее семье значительно увеличить прибыль от скотоводства в будущем.

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
  • 100
    View loans »
    Armenia Loans Fundraising
  • $14,006,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Varduhi to purchase 6 bull-calves for her farm.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 21, 2012
May 30, 2012
Currency Exchange Loss:
Jun 17, 2014