Kiva Loans for Nor Horizon Universal Credit Organization Limited Liability Company

Siranush : Armenia

Fri, 27 Apr 2012 09:40:05 PDT

$2,150 of $2,600 raised.

Started raising funds on Apr 27, 2012

Siranush has been involved in a private business for 11 years - she has her own small cafe. The cafe is located outside the city, has a small space and fits three tables and a kitchen. One of the tables is located outdoors. Siranush says that she has many customers during the summer months, but cannot sit all of them. This is why Siranush needs a loan in the amount of $2,600 to spend on building and setting up an outdoor cafe, which will allow her to serve up to 50 customers. Siranush's husband works at this same cafe as a chef. Siranush's cafe is open until late evening and on weekends. Siranush is 37 years old, married and has two children: a son and a daughter. Her daughter is married and lives separately from the parents. Siranush's son will soon go to the army. Siranush's retired father-in-law also lives with them. This is Siranush's second loan from the Nor Horizon organization.

Maro : Armenia

Sat, 05 May 2012 17:50:04 PDT

$850 of $1,300 raised.

Started raising funds on May 5, 2012

Maro has been in the agriculture business for 20 years. In the village of Shishkert, Syuniksk region, Maro raises cattle and chickens, and grows potatoes and apples for sale. She sells the apples, potatoes, beef, milk and eggs in the cities of Kapan and Kadzharan, where there is always high demand for farmers' products. Maro provides for her family thanks to her profits from this business. Maro is 44 years old. She is married and has 2 daughters. Maro graduated from teachers' university and, in addition to running her agriculture business, works as a school biology teacher. Her youngest daughter is also a school teacher in a rural area, while her oldest daughter is currently looking for work. Maro's husband helps her with farming. Maro has received 3 loans from Nor Horizon, and have always repaid them on time. Presently, she needs 500,000 dram to purchase seedlings of a new sort of potatoes in time for the sowing season.

Lyuba : Armenia

Tue, 22 May 2012 11:10:13 PDT

$650 of $2,525 raised.

Started raising funds on May 22, 2012

Lyuba has run fruits and vegetables trading business for 5 years. Lyuba’s husband helps her in business and thanks to joint effort they are able to provide their family. Also thanks to business Lyuba bought necessary furniture for her family. Lyuba needs a 1.000.000 Armenian dram loan to buy a car which will allow Lyuba and her husband to bring fruits and vegetables for their business from Tavush region villages and from wholesale markets of Yerevan as well. Now Lyuba and her husband buy merchandise once a week and the car will allow them to bring merchandise for their business every day. From Yerevan Lyuba brings only apples and bananas; other fruits, vegetables and berries Lyuba buys from villagers in Tavush region villages. She runs her business at food market. Lyuba is 33 years old. She lives in Ijevan city with her husband, two school aged children and mother-in-low. Her mother-in-low works as a seamstress and Lyuba worked as a seamstress with her several years ago.

Lilit : Armenia

Fri, 11 May 2012 22:10:02 PDT

$1,400 of $2,700 raised.

Started raising funds on May 11, 2012

Lilit is engaged in a trading business of souvenirs, household goods, cosmetics, toys and soft toys, sunglasses, etc. in Sevan. She has been running her business about 4 years. Lilit rents a stall at a market and she buys merchandise from suppliers. As Lilit’s stall has a varied choice of goods, she always has many customers. Lilit says that her business goes well especially during holidays when demand for gifts (souvenirs, perfumes, toys) is very high. Lilit is 26 years old and she lives in Sevan with her little son and mother-in-law. Lilit’s husband temporarily lives and works in Russia. Lilit’s business allows her to provide the major part of her family’s needs. Lilit is asking for a 1,050,000 Armenian dram loan to enlarge the toy, soft toy and perfume assortment of her shop.

Lusik : Armenia

Mon, 14 May 2012 10:40:14 PDT

$550 of $2,550 raised.

Started raising funds on May 14, 2012

Lusik sells clothes in Vanadzor city. She has been running her business for about 15 years. Trading allows Lusik to provide income for her family. Her husband helped her in trading. After his death, Lusik was left alone, but she is not discouraged. Lusik is 49 years old. She is a widow and lives with her son in Vanadzor city. Her son works in security and he helps his mother in business every weekend: he goes with her to Yerevan to purchase merchandise. Lusik sells women’s clothes and men’s sweaters and T-shirts at her shop. She buys merchandise from wholesale trade markets in Yerevan and she imports clothes from neighbouring countries as well. Lusik needs a 1,000,000 AMD loan to buy summer season dresses, skirts, chemises, blouses and men’s T-shirts to resell. This is Lusik’s 3rd loan from Nor Horizon and she always makes her repayments on time.

Anahit : Armenia

Mon, 30 Apr 2012 08:40:04 PDT

$600 of $2,050 raised.

Started raising funds on Apr 30, 2012

Anahit is still running her business selling glassware, covers, tea sets, etc. This is Anahit’s second loan from Kiva and her tenth from Nor Horizon. She has never delayed her repayments. Anahit used her first Kiva loan to diversify her shop's assortment of inventory. After her previous Kiva loan, she was able to reconstruct her shop and to make it more comfortable for her customers. Now, Anahit is asking for a loan of 800.000 AMD, which she will spend to buy a large lot of souvenirs, vases and various glassware items for her shop.

Artush : Armenia

Sat, 12 May 2012 14:30:04 PDT

$250 of $1,275 raised.

Started raising funds on May 12, 2012

Artush and his wife have been engaged in pig breeding and gardening for about 17 years. They breed 3 pigs and 5 piglets and grow apples, pears, plums, etc., in Ijevan. Generally, Artush uses fruit for his family needs, but in productive years he sells fruit as well. Artush sells pork to butchers and also to his neighbors. Pig breeding allows Artush to provide the major part of his family’s needs. Artush has 3 children: 2 sons, who are pupils and a 20-year-old daughter, who is looking for a job now. Artush is 44 years old. Along with pig breeding and gardening he works as a taxi driver. Artush says that driving is not sufficiently profitable, so his agricultural business is the main source of income for his family. This is Artush’s fourth loan from Nor Horizon and now he is asking for a 500,000 AMD loan to buy a sow and a large lot of fodder for his pigs. Artush has never been late with his repayment.

Tehmina : Armenia

Sat, 12 May 2012 21:10:07 PDT

$250 of $2,300 raised.

Started raising funds on May 12, 2012

Tehmina continues with her clothes trading business in Vanadzor city. Tehmina’s husband, who is a taxi driver, helps Tehmina with the business, particularly, he drives Tehmina to Yerevan in his car, where she buys merchandise for her business. Tehmina also brings clothes for her business from a neighboring country. Her business income allows Tehmina to provide for her family. She used her first Kiva loan to buy spring season clothes for her business. Now she is seeking a 900.000 AMD loan to buy tracksuits and summer season dresses, blouses, shirts, and chemises from a neighboring country to resell.

Sonya : Armenia

Sat, 19 May 2012 21:50:03 PDT

$125 of $1,275 raised.

Started raising funds on May 19, 2012

54-year-old Sonya is engaged in the women’s clothing trading business. She has been running her business for about 22 years. Her business income allowed Sonya to bring up her daughter by herself (as Sonya’s husband died many years ago), to pay for her daughter's education and to organize her wedding. Recently Sonya's daughter's husband died and now Sonya's daughter and grandchildren are living with her. The trading business is the only source of income for Sonya's family, as her daughter stays at home and takes care of her small children. Once a month Sonya buys merchandise from wholesale markets in Yerevan, and from neighboring countries as well. She sells merchandise in a rented stall at a market in Ijevan city. Sonya likes her occupation very much and she always treats her customers in a very friendly way so she has never had a shortage of buyers. Sonya intends to buy a large lot of summer season dresses and blouses for her business, so she is seeking a 500,000 Armenian dram loan for it.

Silva : Armenia

Mon, 30 Apr 2012 23:40:03 PDT

$125 of $2,575 raised.

Started raising funds on Apr 30, 2012

Silva has been running a trading business for about 7 years. She sells adults' and children's clothes, shoes, tablecloths, bedspreads, blankets, hats, etc. Once a month Silva goes to a neighboring country where she buys merchandise for her business. Silva has many regular customers as her stall's assortment is rather various and all of them could find almost everything required. Silva is 47 years old and she lives in Ijevan with her husband. Silva’s husband helps her in the business and thus they provide for themselves. She is asking for a 1,000,000 AMD loan to buy spring and summer season clothes and shoes to resell. This is Silva’s second loan from Nor Horizon.

Sofya : Armenia

Sat, 05 May 2012 10:50:04 PDT

$200 of $3,000 raised.

Started raising funds on May 5, 2012

Sofya runs a trading business. She rents a shop where she sells food, household goods, and toys. Sofya buys merchandise for her business from suppliers. Sofya’s shop has a very varied assortment of goods, such as beverages, food, dairy and meat products, candy, soft toys, washing agents, and shampoos. Thanks to the diversity of her shop, she has many customers, and her shop is opened late. Sofya is 48 years old. She lives and runs her business in Yerevan. Sofya is married, and she has two adult children, a son and a daughter. Sofya’s husband works as a driver, and her son works as a storage worker at a book shop. Sofya’s daughter is married, and she lives separately from her parents. Sofya’s husband and son help her with her business, as it is the major part of their family’s income. Sofya is a teacher by training, but she has never worked as one. Instead, she worked as a shop assistant in a food shop many years ago, so she has good experience in this field. Sofya needs a $3000 loan to buy tinned goods, tea, coffee, spices, confectionary, and other goods for her newly opened shop.

Manya : Armenia

Wed, 09 May 2012 05:30:02 PDT

$150 of $900 raised.

Started raising funds on May 9, 2012

Manya is still running her food trading business. She keeps on buying dairy products and eggs from villagers, bread from a neighbor bakery and confectionery, canned goods and beverage foods from suppliers. Manya’s stall is situated near the food market’s entry where it is always crowded, and thanks to that, Manya has many customers. She used her previous Kiva loan to develop her stall assortment. Now she is asking for a 350,000 AMD loan to buy a large lot of dairy products and confectionery for her business.

Marine : Armenia

Sun, 13 May 2012 02:10:03 PDT

$100 of $2,050 raised.

Started raising funds on May 13, 2012

Marine is still running a women's and children's clothes trading business in Vanadzor. Thanks to her occupation Marine is able to support her family. Recently Marine’s rented stall condition has been improved and Marine says that this positively affects her business. Thanks to the changes, particularly separate entrances to stalls, customers feel more comfortable. Marine used her first Kiva loan to develop her clothes assortment. Now she is asking for an 800,000 Armenian drams loan to buy jeans, summer season blouses, skirts, trousers and children's clothes to resell.

Karine : Armenia

Sun, 20 May 2012 01:00:03 PDT

$75 of $2,025 raised.

Started raising funds on May 20, 2012

Forty-six-year-old Karine lives with her husband, and thanks to their different occupations they can provide for themselves. Karine is engaged in a trading business and also in animal breeding in Geghamavan village, in the area of Sevan. Karine rents a stall where she sells food, stationery and toys. She buys merchandise for her shop from local suppliers. Simultaneously Karine rears cows and sheep with her husband's support. As their farm is not big they generally use the dairy products and meat they produce for their own needs. Karine wants to enlarge the assortment of goods in her shop so she is asking for an 800,000 AMD loan to buy various soft toys, dolls and large number of copybooks, pens, pencils, markers, etc. to resell. Karine says that toys and stationery are always in popular demand so she is sure that she will sell that merchandise in a short time.

Amalya : Armenia

Tue, 22 May 2012 11:40:03 PDT

$50 of $2,525 raised.

Started raising funds on May 22, 2012

Amalya is still running her business selling women’s and children’s clothes, food, household goods and trinkets. She buys the clothes, trinkets and household goods in Yerevan once a week, while she purchases food from suppliers everyday. Thanks to her business income Amalya provides for herself, has bought furniture for her apartment, and recently repaired her apartment.

Amalya used her first Kiva loan to buy clothes and household goods for her business. She is now requesting a 1,000,000 AMD loan to buy tank tops, T-shirts, shorts, flip-flops, canned food, candy, beverages and household goods for her business.