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Hermine lives with her family in Vanadzor city in Lori region. She graduated from Vanadzor State Pedagogical Institute, Faculty of Armenian Language and Literature. Now she works at a school as a teacher of Armenian Language and Literature and she has 15 years of work experience. She also has pupils whom she gives private courses, preparing them for the entrance examinations. Hermine is a respected and beloved teacher among her pupils and colleagues and she does her work with pleasure and devotion. She has two children who are school-aged.

Hermine’s husband has his own small workshop of stone recycling and works by order. Hermine is asking for this loan for the purchase of a computer and some professional literature which will be useful both for her lessons at the school and for her private courses.

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
  • 143
    View loans »
    Armenia Loans Fundraising
  • $14,385,900
    Funds lent in using Kiva
  • 412.9
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,225 helped Hermine to purchase a computer and some professional literature.
59% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 23, 2014
May 25, 2014
Currency Exchange Loss: