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Gohar was born and lives in the town of Kadjaran, Syuniski region. She is divorced and lives with her two daughters, aged 2 and 3.

Gohar never worked before but after the divorce began to resell clothes, linens and other accessories. Once a week, Gohar travels to Yerevan and buys goods from wholesalers and markets, then resells them in her hometown of Kadjaran.

She already has regular customers from neighboring villages.

As a young, single mother of two, Gohar finds it very difficult to cope with everyday life, but she is helped with everything by her mother who lives in the nearby town of Kapan.

She wants her children to grow up as decent and educated citizens of the country, and for this there will be no regrets.

Gohar is asking for a Kiva loan of 500,000 Armenian drams to buy and resell a new batch of spring clothing from Yerevan.
View original language description ↓
Гоар родилась и живет в городе Каджаран ,что в Сюникской области.Она в разводе и живет вместе с двумя дочерьми, которым по 3 и 2 годика.
Гоар нигде не работала раньше но после развода она начала заниматься перепродажей одежды и белья и другими аксессуарами . Раз в неделю Гоар ездит в Ереван и с оптовых складов и рынков покупает товар и перепродает их в родном городе Каджаране.
У нее уже появились постоянные клиенты даже из соседних деревень.
Как одинокой молодой матери двоих детей Гоару очень трудно справиться с бытом , но ей помогает во всем ее мать которая живет неподолеку от города Каджаран : в соседнем городе Капан.
Она хочет вырасти своих детей достойными и образованными гражданами своей страны и для этого ничего не жалеет.
Гоар просит от Кива кредит на сумму 500.000 Армянских драм для покупки и перепродажи новой партии весенней одежды из Еревана.

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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • 406.0
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Gohar to buy a new spring clothing collection from Yerevan.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 11, 2013
Currency Exchange Loss:
Dec 17, 2013