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Hayko is 52 years old and lives in Gavar with his wife and school-aged son. It is already seven years since he and his wife, who is unemployed, began farming. Their farm is very scant, since they have only two cows, three sheep, one piglet and ten chickens. They want to expand their farm and in this way to improve their poor living conditions. Hayko needs a loan of 800,000 Armenian drams to buy two more cows. He hopes to receive a a good income for his family as a result of this loan. On this occasion he is really relying on the kindness of Kiva lenders and hopes to cooperate with them again.

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
  • 132
    View loans »
    Armenia Loans Fundraising
  • $14,333,525
    Funds lent in using Kiva
  • 415.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,950 helped Hayko to buy two more cows in order to expand his cattle breeding.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 19, 2013
May 22, 2013
Currency Exchange Loss:
Mar 17, 2014