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Naira and her family live in the Tavush region in a beautiful village of Kiranc. This village is one of the frontier villages in this region and life here, as Naira says, is always full of fear and danger. She says that very often shots are heard along their village border, but the people over the years have somehow gotten used to these sounds and they have become very careful and prudent in their everyday life and actions. Naira’s family is one of those many families that have not thought of leaving their village because of everyday danger. They have established a nice farm and do everything to make it bigger and richer. In their farm, they have two cows, a calf and fifteen chickens. They also have a plot of land on which they raise greens, tomato and beans. The sale of farm products is the main source of income for their family. Naira’s husband, son and daughter are all engaged in farming activities. Naira simultaneously works at the school as a teacher and her husband from time to time goes to Russian Federation for works abroad. Naira would like to repair her cattle barn which is in a very poor condition. She needs this loan to rebuild the barn thoroughly while she also wants to buy animal fodder for her farm cattle.

Additional Information

More information about this loan

This loan is designed for borrowers in rural areas with a special focus on the agribusiness sector in Armenia.

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
  • 167
    View loans »
    Armenia Loans Fundraising
  • $14,947,325
    Funds lent in using Kiva
  • 414.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Naira to repair & rebuild her cattle barn thoroughly, which is in a very poor condition as well as to buy animal fodder for her farm cattle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 18, 2014
Mar 15, 2014
Currency Exchange Loss:
Oct 20, 2014