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Update on Julieta

This very hardworking lady, Julieta, is still engaged in farming and animal breeding in her lovely village, Tsovagyugh, which is in the Sevan region. She lives with her husband, and they both work hard day and night in order to sustain their family needs, and sometimes, they help their children’s families.

Thanks to her previous loan from Kiva, Julieta enlarged her animal breeding business, and she added to the number of her bee families. She started to sell more honey of high quality, and not only to her neighbors. The resellers are coming to her farm and buying her tasty and useful honey from her farm. Julieta is very happy and appreciative of her agricultural business.

Julieta asks again for a loan from Kiva lenders to buy a lot of fodder for her animals and to buy new beehives.

Previous Loan Details

Julieta runs an agricultural business in the village of Tsovagyugh, in the Sevan area. She and her husband breed cows, sheep and chickens, and are engaged in bee-keeping. Julieta sells the milk to a dairy company and the meat to a butcher shop. She says that bee-keeping takes a lot of work and ti... More from Julieta'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
  • 167
    View loans »
    Armenia Loans Fundraising
  • $14,947,325
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Julieta to buy fodder for her animals and to buy new beehives.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 26, 2013
May 27, 2013
Currency Exchange Loss:
Nov 17, 2014