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Yevgenya is 54 years old. She lives in Vanadzor city in Lori region. Yevgenya has a higher education; she has graduated from Yerevan State University, the faculty of Mathematics.

For several years after graduation she has worked at her specialty, but now she works at a boarding school as a mentor. As she says despite that at this moment she is not working at her specialty, she does her work with pleasure, and she gives all her maternal love and care to the children. They really need it, since they stay apart from their families during the whole week, as their parents cannot earn enough money to send them to the usual secondary schools.

Yevgenya’s husband was a policeman, but now he is already retired. They have two sons, and both of them are married. Their elder son with his family lives apart from them. So Yevgenya lives with her husband and her son’s family.

This year they have a problem which they hope to solve by the help of Kiva’s generous lenders.

She asks a loan of AMD 1,000, 000 in order to settle the heating system in their flat (to buy a heating boiler and batteries), since this year’s winter is extremely cold and severe.

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
  • 142
    View loans »
    Armenia Loans Fundraising
  • $14,433,975
    Funds lent in using Kiva
  • 404.9
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,475 helped Yevgenya to install a heating system in her flat, since this year’s winter is extremely cold and severe.
48% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Dec 24, 2013
Currency Exchange Loss: