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Rafik is 50 years old and lives in Vanadzor city with his wife and their only son. Rafik is a mechanic. He had many years of work experience as a mechanic in some factories of Vanadzor city but after the collapse of the Soviet Union many factories in Armenia were closed, and many Armenian specialists such as Rafik lost their jobs.

Rafik didn't stay unemployed for long. He soon started to engage in a new activity, which brought him many successes. He delivers eggs, hens, chicken, and cocks to shops, markets and other trading centers in the Lori region. He obtains this merchandise for delivering from poultry farms in Armenia. Rafik is the main deliverer of such goods in the Lori region.

Rafik is seeking from Kiva lenders a loan of 500,000 AMD to increase the quantities of eggs, hens, chicken and cocks he delivers. Rafik anticipates receiving more profit and he would be pleased with the support.

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
  • $14,072,150
    Funds lent in using Kiva
  • 414.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Rafik to increase the quantities of eggs, hens, chicken and cocks he delivers.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 1, 2013
Mar 27, 2013
Currency Exchange Loss:
Jun 17, 2014