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Gohar lives in the city of Sevan in the Gegharkunik region. She is married and has three children, two sons and a daughter. Her husband is unemployed. Gohar works at the bread factory as a baker. In this family, only Gohar and her elder son work (he is in construction), and it is very hard to sustain all of the family's needs. As Gohar says, they especially have hardships connected with the tuition fees of her smallest son. He studies at the at the paid division.

Gohar really hopes that this loan will help her to pay her son’s tuition fee for the last semester on time. She hopes that this support from Kiva lenders will be the start of numerous deals in the future for her family with Kiva.

Additional Information

More information about this loan

This loan is part of NorHorizon's education program, designed to finance school tuition for students whose families have low incomes or work in informal sectors of the economy. Funds can be used for partial or complete payment of expenses related to higher education. By supporting this loan, you're enabling access to education for students with limited options. 

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
  • 109
    View loans »
    Armenia Loans Fundraising
  • $14,056,400
    Funds lent in using Kiva
  • 410.7
    Armenia Drams (AMD) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $375 helped Gohar to pay her son’s tuition fee for the last semester on time.
96% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 29, 2014
Jun 24, 2014
Currency Exchange Loss:
Jun 17, 2015