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Henzel is a 59-year-old widower. His wife passed away a year ago, and now he lives alone in the village of Srashen in the Syunik province. Around the house, he is helped by his only daughter, who is married and lives with her family separately from her father.

Henzel is a tractor operator/mechanic by training. Presently, he works for his village's municipal office and loves his work. In addition, he is engaged in agriculture in his native village, growing mainly vegetables such as tomatoes, cucumbers, potatoes, peppers and eggplant. Henzel also keeps a cow and chickens, who provide him with his daily milk, cheese and eggs. Finally, he has a small plot of land near his home where he sows wheat for producing his annual supply of flour.

Henzel is asking Kiva lenders for a loan of 400,000 Armenian dram to purchase seeds for the spring planting.
View original language description ↓
Гензелу 59 года, он вдовец. Жена Гензела умерла год назад и он теперь живет один в селе Срашен Сюникской области. По домашнему хозяйству ему помагает единственая дочь которая замужем и живет с семьей отдельно.
По специальности Гензел тракторист механик. Сейчас Гензел работает в сельском муниципалитете и очень любит свою работу. Кроме работы он занимается сельскохозяйством в родном селе. Выращивает в основном овощи: помидор,огурцы, картошку, перец и бакладжан. Он так же имеет корову и кур , молоко, сыр и яйца для ежедневного использования он получает от своих животных. У него есть и небольшой земельный участок который рассположен неподолеку от его дома где сеет пщеницу и получает муку , что ему хватает на весь год.
Гензел просит от кредиторов Кива кредит на сумму 400,000 Армянских драм для покупки семян на весенний посев.

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
  • 410.5
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Henzel to buy seeds for the spring planting.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 28, 2013
Mar 13, 2013
Currency Exchange Loss:
Aug 17, 2014