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Anush is 55 years old and she lives in the village Tsavi in Syunik region. She lives alone: her husband took part in Nagorno Karabakh war conflict and was seriously wounded and died . Since then Anush has brought up and taken care of their four daughters alone and with great hardship.

Anush always managed to be employed and at the same time to be engaged in farming and agriculture. She has a specialty of accounting and for 35 years she worked at different companies and schools as an accountant. Now also, she works in her specialty simultaneously in two schools in her region. However, farming is in first place for her.

In her farm she has five sheep, 10 chickens and 10 bee hives. On her plot of land she cultivates potatoes, beans and cucumbers, and she also has fruit trees: apple, pear and plum. She sells all her farm produce once in a week at the Kapan and Kadjaran wholesale markets.

Anush wants to get ready for spring agricultural activities and she is asking for a loan in order to buy seedlings, mulches, and also several hives and diesel fuel for land cultivation.

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
  • 125
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • 415.3
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,450 helped Anush to buy seedlings, layers, and also several hives and diesel fuel for land cultivation.
61% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 21, 2014
Apr 15, 2014
Currency Exchange Loss: