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Update on Anush

Anush is 45 years old. She lives in the village Geganush in the region of Syunik. She has a big family which consists of five members: she, her husband, two daughters (school-aged) and son. They have a big farm, and Anush’s husband helps her very much. In their farm, they have cattle and piglets; they also have a big garden, where they cultivate fruits and vegetables. They have had good success both in farming and agriculture.

Anush has many regular customers who buy the products from her farm (milk, meat, eggs, fruits, vegetables).

Anush has already once taken a loan from Kiva, and she has paid it back successfully. Anush decided to cooperate with Kiva again and ask for a loan in the amount of 400,000 Armenian drams for the organization of hay-gathering work and for buying fodder for her animals.

Previous Loan Details

Anush has been a farmer in the village of Geghanush, Syuhnik region for twenty years. She raises cattle and pigs and grows vegetables and fruit such as apples, potatoes and cabbage. Anush loves farming and is grateful to be able to support her family doing something she loves. She sells her produ... More from Anush's previous loan »

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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Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.


About Armenia

  • $6,300
    Average annual income
  • 116
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • 415.2
    Armenia Drams (AMD) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $975 helped Anush to pay for hay-gathering work and buy fodder for her animals.
98% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 17, 2013
May 24, 2013
Currency Exchange Loss:
May 17, 2015