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Gayane is a very nice young lady who manages farming and agriculture all alone. She is 25 years old, and with her two little children she lives in the village of Tsovagyugh in the region Gegharkunik. Like many other men in their village, Gayane’s husband also had to go to the Russian Federation in an effort to find work abroad in order to lighten and support Gayane with their family care.

Gayane graduated from Sevan Medical College and she has the qualification of nurse, but she has never worked. Farming is the main source of money for the family. They have a perfect vegetable plot and a colorful fruit garden. Gayane also manages the care of their abundance of farm animals, consisting of three cows, one bull, two calves, one young piglet and twenty-two chickens.

She is asking for a loan of 600,000 Armenian drams to buy fodder for the farm animals and also vegetable and fruit seedlings. It is the first time that she has dealt with Kiva and she hopes that it will be continued.

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
  • 127
    View loans »
    Armenia Loans Fundraising
  • $14,836,500
    Funds lent in using Kiva
  • 415.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,450 helped Gayane to buy fodder for farm animals and also vegetable and fruit seedlings.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 25, 2013
May 22, 2013
Currency Exchange Loss:
Nov 17, 2014