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Vardanush lives in Stepanavan city in the Lori region. Vardanush has a higher pedagogical education, and for many years she worked at the school as a teacher of biology and chemistry. Then, for some time Vardanush became unemployed, and now she works at the kindergarten as a cook.

Vardanush is married, and she has a son and a daughter. Her son is employed, and her daughter is in her last year of school.

Vardanush’s daughter now has some problems connected with her teeth. The doctor said that she must have a course of treatment.

Vardanush greatly hopes that, thanks to generous Kiva lenders and the received loan amount, she will be able to solve this urgent problem, which is too great a cost for her family.

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
  • 117
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • 413.8
    Armenia Drams (AMD) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $375 helped Vardanush to pay for a course of treatment for her daughter's teeth.
97% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 9, 2014
May 7, 2014
Currency Exchange Loss:
May 17, 2015