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Jemma
Jemma is 21 years old. She lives in a city called Artashat, in Armenia. She lives with her parents and sister.

Jemma has recently graduated from the faculty of International Relations and Public Administration in Yerevan State University. Jemma’s parents are both employed; her father works as a driver and her mother is a teacher at a school. Jemma says that she really enjoyed her degree, but she decided to work in a different field. She chose to work as a cosmetologist, and obtained the highest qualification of cosmetology. She now has a small but very nice office of her own, and nearly all of the modern equipment that she needs for her work. She is well-known and very much trusted as a specialist in her district, and her clients say that she can work wonders with any woman who needs help with their appearance.

Jemma has asked for a loan of $2,200 to buy a special machine for photo epilation, a service which is in great demand among her clients.

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.

To stay updated on loans from Armenia, please join the Armenia lending team at http://www.kiva.org/team/armenia.

Tags

About Armenia

  • $6,300
    Average annual income
  • 100
    View loans »
    Armenia Loans Fundraising
  • $13,984,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $2,200 helped Jemma to buy special machine for photo epilation for her cosmetology business.
76% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 11, 2013
Listed
Aug 13, 2013
Currency Exchange Loss:
N/A