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Artur is a second-year student. He studies at Gavar State University's School of Law (distance learning). He lives with his family in the village of Ddmashen in the Gegharkunik region. His father works abroad in the Russian Federation and tries to help his family financially. Artur has a brother, who is doing seasonal work as a builder in their village. He, together with their mother, helps Artur in farming and agriculture a lot. They have three cows, two heifers, two piglets, fifteen sheep, and twenty chickens on their farm. They also have a plot of land on which they mainly cultivate potato. Together, they manage all the work around the farm, since their mother always gives them useful advice about farming, and Artur and his brother are always ready and full of energy to work and move forward each day.
So, Artur asks a loan of 700.000 Armenian drams to buy potato seedlings, fertilizers, and diesel fuel. Artur’s family sends warm greetings to Kiva lenders and hopes for support greatly.

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
  • 110
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • 411.8
    Armenia Drams (AMD) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,725 helped Artur to buy potato seedlings, fertilizers, and diesel fuel.
98% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 10, 2013
Jul 12, 2013
Currency Exchange Loss:
Jul 17, 2015