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Armen is a trader. He sells households goods to shops in the Shirak and Lori regions. He has provided them with goods in more than 135 shops. The necessary merchandise he obtains from Yerevan’s wholesale markets and transports them to the Lori area and sells them to shops.

Armen is 31 years old and also works in the Ministry of Justice of the Republic of Armenia as a specialist in the security department. He is married and lives with his mother and wife. Armen’s father now works in the Russian Federation and shares with his family in Armenia their monthly expenses.

Armen is requesting a loan from Kiva to buy a new batch of household goods. Armen is a successful young businessman who is important, because he is the main provider of households goods in north Armenia.

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
  • 150
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • 414.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,175 helped Armen to buy a new batch of household goods.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 15, 2013
Mar 17, 2013
Currency Exchange Loss:
Mar 17, 2015