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Hovsep is 28 years old and lives in Vanadzor city with his parents, wife and son.

For a long time, Hovsep worked as a delivery driver in one of Vanadzor's largest freight shipping companies. Now, Hovsep transports passengers with his own car in Vanadzor city and nearby cities. He has been engaged in this occupation for about three years. He has many clients in the lori area and can meet his young family's needs.

However, Hovsep's big dream is to enlarge his activities and save more money for his son's future. For this dream he needs to work harder and requires a means of finance. Hovsep is requesting loan in order to repair his car.

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
  • 159
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • 412.7
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Hovsep to repair his car for his taxi business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 12, 2013
Mar 16, 2013
Currency Exchange Loss:
Feb 17, 2014