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Marine is 36 years old, and she is already skilled and devoted to her work as a farmer, who manages agriculture well. Her farm is not very rich and the income from it is not big, but due to Marine’s care and hard work it yields income for her family. She keeps on her farm now six cows, six calves, two pigs and ten chickens. Marine also cultivates some vegetables and fruits (tomatoes, cucumbers, onions, apples, and apricots) on the family's own land, but the produce is for family use and not for sale.

Marine lives in the village Noratus, which is in the area of Gavar. She is married and has two school-aged children. Her husband works as a builder, but he tries to help Marine around their farm, also. Marine is sure that she can enlarge their farm and earn greater profit from it. For that purpose, she asks a loan of 1,000,000 Armenian drams (AMD). She will use the loan to buy two cows, ten chickens, and a lot of fodder for her farm animals. It is Marine’s first deal with Kiva lenders, and she expects good results.

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
  • 159
    View loans »
    Armenia Loans Fundraising
  • $14,910,275
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,400 helped Marine to buy two cows, ten chickens, and a lot of fodder for her farm animals.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
May 15, 2013
Jun 19, 2013
Currency Exchange Loss:
Nov 17, 2015