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Rafik is an engineer with work experience as a senior engineer. He is 58 years old and lives with his wife and daughter in the village of Varser, which is in the Sevan area. His wife is a famous teacher in Sevan but she is not working nowadays.

Rafik used to work as an engineer in different factories in Armenia and Russia, but after the Soviet Union collapse he became jobless and started his agricultural business. His wife engages in land cultivation and grows vegetables and fruits, which Rafik sells in Sevan markets. For more than 20 years Rafik has engaged in the agricultural business. He breeds geese on his farm and confesses that his knowledge in engineering helped him to discover the secrets of poultry. He has more than 50 geese and takes care of them with great pleasure, and says he said he must be very patient and kind in order to understand the complexities of taking care of birds.

Rafik asks for a loan from Kiva lenders to repair the barn of his geese and to add the number of his birds on his farm.

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
  • 168
    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 $1,200 helped Rafik to repair the barn of his geese and to add to the number of birds on his farm.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
May 3, 2013
Jun 3, 2013
Currency Exchange Loss:
Aug 17, 2014