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Ofelya and her husband, who is retired now, own a small farm and a plot of private land for their family needs. They cultivate apples, nuts, plums and also some vegetables; potatoes, cucumbers and tomatoes. Their farm is not very rich, but they manage to have a small income from selling its products to their loyal customers right from their house. In their farm they keep two cows, three bee colonies, and fifteen chickens. They sell milk, cheese, meat, eggs and honey.

Ofelya lives in Khachatryan village in Tavush area. Ofelya is a really hard-working woman, since she combines her work with their farming activities. She works as a leading specialist in her village agriculture. For many years Ofelya and her husband lived and worked in Azerbaijan, but 25 years ago they came back to their homeland because it was a really peaceful and native land where they could live and have children. They have two daughters who are married and live with their families.

Ofelya asks a loan of 500,000 Armenian drams to buy three bee colonies, two piglets, some chickens, and animal fodder. It is Ofelya’s first loan from Kiva but she has taken from Nor Horizon already twice and successfully paid it back.

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
  • 113
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Ofelya to buy three bee colonies, two piglets, some chickens, and animal fodder.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 14, 2013
Jun 16, 2013
Currency Exchange Loss:
Oct 17, 2014