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This young woman with the so nice name of Kaghtsrik (it means 'Sweety'), lives in the small village of Tsovazard, which is in the Gegharkunik region. She is 28 years old and married. Her family is big -- she lives with her mother-in-law and father-in–law (who is a stockbreeder in their village), three little children, and her husband, who at this moment, is in the Russian Federation for work abroad.

Kaghtsrik has graduated from Gavar Pedagogical College and she also has passed courses as a hairdresser, but now she is engaged in farming and agriculture in which her mother-in-law helps her very much. Kaghtsrik’s farm is very small one, but she seriously and properly takes care of it, despite being so gracile. She has two cows, two calves, and 13 sheep.

This is Kaghtsrik’s first loan that she seeks from Kiva lenders, in an amount of AMD 200,000 (Armenian drams), to buy some animal fodder for the winter season.

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

  • $6,400
    Average annual income
  • 187
    View loans »
    Armenia Loans Fundraising
  • $13,239,150
    Funds lent in using Kiva
  • 411.8
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Kaghtsrik to buy some animal fodder for the winter season.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 11, 2013
Jul 13, 2013
Currency Exchange Loss:
Apr 16, 2014