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Hayk is 44 years old and lives in Ijevan city with his wife, three children, and his retired parents. Hayk works in an Ijevan mineral water factory as a supplier, while his wife is engaged in clothes trading. Hayk and his wife work day and night to take care of his retired parents and provide for their children's needs.

His son is still a pupil, and his daughters are promising students: one of them studies at the Ijevan Branch of Yerevan State University in the faculty of history, another at the same University in the faculty of Armenian language and literature. Hayk is requesting a loan from Kiva to pay his daughter's tuition fees for the semester.

Additional Information

More information about this loan

This loan is part of NorHorizon's education program, designed to finance school tuition for students whose families have low incomes or work in informal sectors of the economy. Funds can be used for partial or complete payment of expenses related to higher education. By supporting this loan, you're enabling access to education for students with limited options. 

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
  • 151
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • 414.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Hayk to pay his daughter's tuition fees for the semester.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 7, 2013
Mar 27, 2013
Currency Exchange Loss:
Oct 17, 2014