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Gohar is 43 years old and lives with her husband in the village of Geghamavan, which is in Sevan area. Gohar has a son, who is now in his military service in the Armenian Army, and a daughter who is married and lives with her own family, separately from her parents.

Gohar’s husband is policeman and works in the Sevan police agency. Gohar is an accountant, but she has never worked in her profession. After getting married, Gohar and her husband started an agricultural business. They have a plot of land near their house and grows vegetables which Gohar sells in the Sevan fruit markets. Gohar also has a large barn for animals where she breeds cows, sheep and pigs.

Gohar is a very hardworking person and she likes her agricultural occupation. With the profits from her farming, Gohar meets her family's needs and from time to time she helps her daughter’s newly created family.

Gohar is very happy and decided to increase her animal breeding. For this she needs a loan to buy three young calves and fodder for her animals. She hopes to receive more profits from animal breeding in future. This is Gohar's first loan with Kiva, and she hopes that the Kiva loan will bring success to her agricultural business.

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
  • 417.2
    Armenia Drams (AMD) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $2,400 helped Gohar to buy three young calves and fodder for her animals, so that she can increase her animal breeding activities.
99% repaid
Repayment Term
31 months (Additional Information)
Repayment Schedule
May 3, 2013
Jun 3, 2013
Currency Exchange Loss:
Dec 17, 2014