Kiva Loans for Nor Horizon Universal Credit Organization Limited Liability Company

Babken : Armenia

Fri, 24 May 2013 19:20:02 PDT

$200 of $2,400 raised.

Started raising funds on May 24, 2013

Young farmer Babken lives in Ddmashen village in the region of Sevan. He has a big family consisting of several members: he and his wife, their two sons, his mother and brother. It is a big, genial and consolidated family, always ready to help each other. In their farm they have three cows, five sheep, twenty chickens and two piglets, but the main wealth of their farm are beehives and bee colonies that they have enriched with the help of his previous Kiva loan. The honey that they have is of very high quality and unbelievably good taste. It is the result of hard and honest work during the whole year. Babken again wants to work with Kiva lenders and is asking for a loan of 1,000,000 Armenian drams to expand both his bee colonies and farm animals. He wants to buy a cow and a calf. Babken is sure that his second cooperation with Kiva will be as useful as the first one.

Shushanik : Armenia

Fri, 24 May 2013 15:40:01 PDT

$575 of $975 raised.

Started raising funds on May 24, 2013

Shushan is a hard-working 51-year-old woman who lives in Stepanavan, a small town in the Lori region. Her first husband left her widowed, and now she is married for the second time. She has a small family, but faces many problems each day. She lives with her husband and with their handicapped daughter. Shushan and her husband are engaged in farming and sometimes she also milks her neighbours’ cows, for which she is paid. She does her work very well and accurately, so she has many loyal customers. She needs to add the to the posts of her cattle so she is requesting a loan from Kiva. She needs 400,000 Armenian drams to buy 2 young calves. She hopes for the kindness and support of Kiva lenders.

Hamlet : Armenia

Wed, 22 May 2013 06:20:08 PDT

$500 of $1,100 raised.

Started raising funds on May 22, 2013

Hamlet is a 36-year-old farmer who lives in the village of Geghamavan in the region of Gegharkunik. He lives with his wife, two children (daughter and son) and his retired mother. For many years Hamlet worked in the contractual military service, but for ten years now, Hamlet has been engaged in farming and agriculture. Hamlet’s wife doesn't work and helps him around the farm. They have a not small private piece of land, where they cultivate potatoes, carrots, cucumbers, tomatoes, etc. They also have a lot of animals in their farm: six cows, three calves, one bull, one piglet, eight sheep and twenty chickens. Hamlet’s wife is a very kind lady and all the work she does in their farm, she does with care and love. Hamlet is asking for a loan of 450.000 Armenian drams to buy potato seeds and fertilizer for his vegetable garden. Hamlet hopes for the support of Kiva lenders and Nor Horizon.

Seyran : Armenia

Wed, 22 May 2013 00:10:02 PDT

$450 of $675 raised.

Started raising funds on May 22, 2013

Seyran lives in the village Syunik, which is in the region of Syunik. He has a higher education, but has never worked since he has been always engaged in agriculture. Seyran is 50 years old, married and has children. He has a piece of land where he plants and cultivates different vegetables and fruits with great pleasure. All the agricultural products that Seyran has from his land, he sells to resellers in the towns of Kapan and Kajaran. Seyran wants to purchase fuel to organize the work around his farm and to buy seeds of vegetables. So, he hopes that with the help of Kiva lenders and Nor Horizon, his plans will be realized.

Vahe : Armenia

Wed, 22 May 2013 00:00:01 PDT

$500 of $1,325 raised.

Started raising funds on May 22, 2013

Vahe lives in Stepanavan city in the region of Lori. He is a young businessman, 31 years old. He lives with his mother. His father is in the Russian Federation in abroad work. Vahe has a small business on a leased space. It is an outdoor café which is located at the city park. He has been in this business for two years. All the products that he needs for his café, he takes from providers. The waiter of café at the same time is the cook of café, and he helps Vahe very much. Vafe’s café is very famous around their small town and people like to come here and enjoy their leisure time. Vahe wants to make this place more comfortable and more popular, and he asks a loan in an amount of 550.000 Armenian drams to buy children’s entertainment and gaming accessories.

Vardan : Armenia

Fri, 10 May 2013 12:30:01 PDT

$2,125 of $2,450 raised.

Started raising funds on May 10, 2013

Vardan is 35 years old. He was born in and still lives with his wife and two sons in the village N.Hand in the Kapan district. Vardan's wife works in the police. From an early age, Vardan has been engaged in farming in his native village. Vardan has 13 heads of cattle and 20 chickens. Next to his family's home is also a plot of land where Vardan sows corn, grows tomatoes, potatoes, peppers, and herbs. Vardan sells agricultural products in wholesale markets in the city of Kapan. He sells milk, cheese, eggs and meat from his livestock to wholesalers who buy the goods directly from his farm and transport them to Yerevan. Vardan is pleased with his work and is glad that with his labor he can support his family and help his parents in their retirement. Vardan decided to multiply the number of his cattle and needs a loan of 1,000,000 Armenian drams to buy three special breed cows that produce a high quantity of milk each day.

Seyran : Armenia

Tue, 14 May 2013 08:40:02 PDT

$1,425 of $1,700 raised.

Started raising funds on May 14, 2013

Seyran is 40 years old and lives with his wife, son and daughter in Geghamavan village which is in the Sevan area. After finishing school, Seyran participated in the war with Azerbaijan. During the war he was injured and became disabled. Due to health problems, Seyran has never worked anywhere else. Seyran and his wife engage in farming. On his own plot of land, Seyran’s wife grows potatoes which he sells in Sevan food markets. They also breed cows, sheep and chicken in their barn. The only source of Seyran’s family income is their agricultural business, so they have to work hard day and night in order to sustain their family. After school lessons Seyran’s children help their parents in farming. Seyran confessed that he hates any wars and wants to live in his motherland in peace. He said he is a very happy that with income from his agricultural business he can care for his family. He wants to provide a good future for his children and for this aim he will do his best. Seyran asks Kiva lenders for a loan to buy fodder for his animals and to buy seed potatoes and fertilizer.

Papin : Armenia

Thu, 16 May 2013 08:00:02 PDT

$1,150 of $2,425 raised.

Started raising funds on May 16, 2013

Papin and his family are still engaged in farming. With last loan from Kiva, Papin bought tomato seeds and raised a good harvest on his land. He received a good profit and repaired his barn for his animals. He breeds cows, bulls, sheep and chickens. He is very happy that the income from his farming allows them to meet their family's needs. Papin decided to enlarge the number of his animals and asks for a loan from Kiva lenders to buy 3 young cows and fodder for his animals. He hopes that it will be as good a deal with Kiva as his last loan.

Artyom : Armenia

Fri, 17 May 2013 07:40:02 PDT

$900 of $2,425 raised.

Started raising funds on May 17, 2013

Artyom is 31 years old. He lives with his jobless parents in Gavar city, which is in Gegharkunik region. Artyom is the only breadwinner in his family. For more than 10 years, he has been engaged in farming and animal breeding. Artyom keeps cows and bulls, in a barn for animals that is near the family's house. Artyom says that animal breeding in his region is a more profitable branch of endeavor. Profit from cattle breeding allows him to meet his family's needs and to take care of his mother, who is ill. Artyom decided to enlarge his animal breeding business. He asks from Kiva lenders a loan amount of 1.000.000 Armenian drams (AMD). He will use it to buy three calves, and fodder for his animals. He hopes that it will be a good deal with Kiva, and that the loan will help him to increase his income from farming.

Artush : Armenia

Sat, 18 May 2013 23:50:02 PDT

$675 of $1,700 raised.

Started raising funds on May 18, 2013

Artush is 40 years old. After graduating high school he has worked in the Ararat regional forest reserve as a forester. Artush is married and lives with his wife, two children and retired parents in Vedi city which is in the Ararat region. Artush is also engaged in farming and animal breeding. He raises vegetables on his own plot of land near his house which he sells at the Vedi vegetable markets. Artush has a large barn for animals where he breeds two cows and piglets. Artush is the only breadwinner in his large family. His family members help him with the farming and he couldn't overcome some of the difficulties in agriculture without their support. As Artush said it is very important to provide his animals with the best conditions. The barn must be comfortable for breeding and warm for winter months. Artush is requesting a loan from Kiva lenders to repair the roof of his animal’s barn and to buy fodder for them. It is the first loan with Kiva and Artush thanks the lenders for their support.

Anush : Armenia

Fri, 24 May 2013 15:20:06 PDT

$25 of $975 raised.

Started raising funds on May 24, 2013

Anush is 45 years old. She lives in the village Geganush in the region of Syunik. She has a big family which consists of five members: she, her husband, two daughters (school-aged) and son. They have a big farm, and Anush’s husband helps her very much. In their farm, they have cattle and piglets; they also have a big garden, where they cultivate fruits and vegetables. They have had good success both in farming and agriculture. Anush has many regular customers who buy the products from her farm (milk, meat, eggs, fruits, vegetables). Anush has already once taken a loan from Kiva, and she has paid it back successfully. Anush decided to cooperate with Kiva again and ask for a loan in the amount of 400,000 Armenian drams for the organization of hay-gathering work and for buying fodder for her animals.

Tsolak : Armenia

Mon, 20 May 2013 21:00:02 PDT

$525 of $1,450 raised.

Started raising funds on May 20, 2013

Tsolak lives in Antarashat village in the Syunik region. He lives with his wife. His daughter is married and lives with her family in Kapan. Tsolak used to work in different factories in Kapan and Kajaran, but following the collapse of the Soviet Union, industrial production in the Syunik region declined and Tsolak and his wife became unemployed. Now Tsolak is engaged in agriculture and farming. Tsolak’s wife helps him in his business. They have cattle and a garden where they cultivate fruit and vegetables that also serves as a pasture for cattle. Tsolak sells all his agricultural products in Kapan fruit markets. The profit from farming allows Tsolak to sustain his family. He needs a loan of 600,000 Armenian drams to buy a pig and calf in order to enhance his animal breeding efforts. This purchase will result in a great profit for his family.

Artak : Armenia

Sun, 19 May 2013 08:20:02 PDT

$475 of $2,425 raised.

Started raising funds on May 19, 2013

Artak is very happy to have a reliable and experienced partner like Kiva, with whose help he can easily overcome any difficulties. Artak is married and he lives with his wife, three school-aged children and his parents. His family helps him very much and it is obvious that group work always gives good results. He and his family are busy both in farming and in agriculture. They successfully sell potatoes planted in their garden, since they have sowed the best grades of it. Artak also breeds cows, sheep and a pig in his farm. The income from the sale of milk and meat is a great help for his family as well. Artak asks for a loan from Kiva not for the first time and he surely knows how to use it according to the purpose. With the loan, Artak plans to buy potato seedlings and fertilizer for his farm and he really hopes to receive good profits.

Ashot : Armenia

Mon, 20 May 2013 22:40:01 PDT

$375 of $2,650 raised.

Started raising funds on May 20, 2013

Ashot and his family have lived in the village of Syunik for over 12 years. He has three daughters and a son. Before moving to Syunik, they lived in Goris city and in the beginning it was very hard for him and his family to adapt to local living and conditions but thanks to his family members' team work, they have already overcome all difficulties. Ashot and his wife are engaged in agriculture and farming. They have a piece of private land where they cultivate grapes, different vegetables and fruits. They also have some cattle. Ashot and his family are very happy since they have a good income from farming with permanent customers in Kapan who purchase their agricultural products. Ashot needs to buy three young cows and fodder for his animals, so he decided to take a loan from Nor Horizon and Kiva. The amount they need is 1.100.000 Armenia drams. This way, Ashot can enlarge his cattle breeding and receive a good profit from this deal.

Mher : Armenia

Sun, 12 May 2013 14:10:02 PDT

$1,025 of $2,650 raised.

Started raising funds on May 12, 2013

Mher is still engaged in farming and animal breeding. His last loan from Kiva helped him to increase the number of his cows and pigs. During the last year, Mher has sold a lot of beef, pork, cheese and eggs. He received a good profit and enlarged his agricultural business. Part of this profit he used to buy special tools for milking the cows, which is shown in his profile photo. It helps him milk cows faster and more effectively. With another part of his profit, Mher paid off his Kiva loan ahead of schedule. Mher’s wife and mother grow wheat, oats, grapes, fruits and vegetables on their plot of land. They work hard day and night to overcome some economical difficulties in their life. Apart from agriculture, Mher has found a new job in Ijevan city where he works in a construction company as a worker. Mher accumulates his salary from his construction occupation in order to build a new barn for his animals. This is his big dream and as he confessed, he will do his best to reach that dream as soon as possible. Mher asks for his second loan from Kiva lenders to buy eight young piglets (farrows), fodder for his animals and to organize seeding in his plot of land.

Samvel : Armenia

Sat, 18 May 2013 20:10:08 PDT

$475 of $2,175 raised.

Started raising funds on May 18, 2013

Samvel is still engaged in clothing. He has more than 16 years experience in this occupation. He wants to take a loan from Kiva for the second time, as the first loan he has taken helped him very much to develop and enrich his business. In his business Samvel’s wife helps him very much. She also works in the local school as a teacher. As usual, all the needed clothes for selling Samvel brings from Yerevan wholesale markets, transporting them by rented car. During his long time in the trading business, Samvel has gained a lot of regular clients who prefer to buy women clothes from Samvel’s stall, as his merchandise is always renewed and more available for people who have low income. Thanks to his trading Samvel is able to meet his family needs and pay for his daughter’s training courses. Samvel needs a loan amount 900,000 Armenian drams to buy an assortment of new spring/summer women's clothes from Yerevan to resell in his stall in Vanadzor. Samvel hopes that this loan would have the same success as the last one did.

Ashot : Armenia

Mon, 20 May 2013 22:10:01 PDT

$275 of $2,425 raised.

Started raising funds on May 20, 2013

Ashot lives in the village of Artsvanik; it is located in the region of Syunik. He is 56 years old, and he has a higher education, but he doesn't work. He has been engaged in farming and agriculture for many years. He is divorced and lives alone. His children are married, and they live separately with their families. Ashot has a garden, and he cultivates fruits, vegetables and different types of crops. He also keeps cattle and chickens on his farm. All the goods that he has from farming and agriculture he sells in Kapan and Kajaran towns to resellers. Ashot wants to buy three calves and hay; for this he needs 1,000,000 Armenia drams. Ashot hopes very much that Kiva will help him to enrich the quantity of his farm animals and bring him more income.

Artur : Armenia

Thu, 23 May 2013 02:20:08 PDT

$125 of $800 raised.

Started raising funds on May 23, 2013

Artur lives in Vanadzor, in the region of Lori, with his wife and two small daughters. For many years Artur has worked as an official driver, but for the last two years he has driven a taxi. He transports people mainly to Georgia and to the Russian Federation. These kind of far distances he must drive very carefully and attentively. That is why he has many loyal customers and they always pay him well. Artur’s car brand is Opel and he does his best to keep it clean and in a working condition. Artur is asking for a loan of 330.000 Armenian drams to do some repairs on his car and he also wants to buy tires. It will allow him to have a more comfortable and safe car. He thanks Kiva lenders and Nor Horizon and he hopes that his first loan will be the beginning of a continuous cooperation.

Arman : Armenia

Fri, 10 May 2013 12:50:02 PDT

$625 of $2,200 raised.

Started raising funds on May 10, 2013

The young farmer Arman was born in the village Khnatsakh that is in the Kapan district. Arman moved to the town of Kadjaran and, since 2000, has lived there with his wife and four-year-old son. Arman from an early age has been involved in raising cattle in his native village. At first he helped his father, but now he has his own farm. Arman already has nine cows and 15 sheep. Arman sells meat and dairy products in the markets of Kapan and Kadjaran. Arman manages with his large cattle by himself; his wife is bringing up their son and is not able to help her husband much with the agriculture. Arman loves his homeland, especially his native corner and never despite the difficulties has thought to leave the country for work abroad. Arman's big dream is to have many children and to teach the agriculture and animal husbandry. Arman needs a loan to buy four young bulls, from which he expects in a year to get a decent profit. This is the first deal Arman has had with Kiva and he hopes for further cooperation with Kiva Lenders.

Vahagn : Armenia

Tue, 14 May 2013 06:30:05 PDT

$450 of $2,425 raised.

Started raising funds on May 14, 2013

Father of three children, Vahagn lives in Tsovagyugh village which is in Sevan area. Vahagn is 30 years old and he graduated from Armenian State Agrarian University. He has never worked by his profession. Vahagn, together with his wife, is engaged in farming and animal breeding. The only source of income of Vahagn's family is farming. They work hard day and night in order to sustain their big family. Vahagn has cows, bulls, sheep and chickens in his farm. Products from animal breeding are sold in Sevan food markets. Also Vahagn raises vegetables in his plot of land which is near their house. Vahagn says that his wife helps him s lot and he couldn't overcome his problems and difficulties without his wife's help. They are a young, big family and they hope to create a good future for their children and for that aim they will do their very best. For increasing animal breeding, Vahagn needs a loan of 1,000,000 Armenian drams to buy three calves and fodder for his animals. Vahagn hopes to enlarge his farming business and receive a good profit.

Hayko : Armenia

Wed, 22 May 2013 06:10:07 PDT

$150 of $1,950 raised.

Started raising funds on May 22, 2013

Hayko is 52 years old and lives in Gavar with his wife and school-aged son. It is already seven years since he and his wife, who is unemployed, began farming. Their farm is very scant, since they have only two cows, three sheep, one piglet and ten chickens. They want to expand their farm and in this way to improve their poor living conditions. Hayko needs a loan of 800,000 Armenian drams to buy two more cows. He hopes to receive a a good income for his family as a result of this loan. On this occasion he is really relying on the kindness of Kiva lenders and hopes to cooperate with them again.

Vladimir : Armenia

Sat, 04 May 2013 09:40:02 PDT

$675 of $2,675 raised.

Started raising funds on May 4, 2013

Vladimir is continuing with his shoe production and trading business. His business is going well and after Kiva loans he enlarged his production. He confessed that he is not a superstitious person, but after Kiva lenders helped, his income was increased. One of his sons has left Armenia for Russia to work abroad. The other of his twin sons helps Vladimir to sell shoes, which they produce in their house. He sells shoes in his rented stall in Yerevan’s clothes market. Vladimir has a large number of orders for women's shoes and for this he needs a loan of 1,100,000 Armenian dram (AMD) to buy colored leather and other raw materials to produce his summer season women shoes collection. He hopes to make the order in time with Kiva lenders' help. This loan will help Vladimir to earn a good profit.

Ishkhan : Armenia

Sat, 04 May 2013 13:20:02 PDT

$350 of $2,450 raised.

Started raising funds on May 4, 2013

Ishkhan is 36 years old. He lives with his wife and child in their own house in Vanadzor city. After school and military service, Ishkhan used to be a worker in Vanadzor. About six years ago, Ishkhan became engaged in shoes trading. He rents a stall in Vanadzor’s clothes markets and sells men's shoes. Ishkhan buys the merchandise from Yerevan wholesale markets and shoe manufacturing shops. He is the only bread winner in his family. His wife takes care of their little child and does not work outside the home. Ishkhan says that to find a good job in Vanadzor is too hard and he is happy that he is able to take care of his family's needs with his trading help. Ishkhan is asking Kiva lenders for a loan to buy a new summer shoe collection from Yerevan for resale in his stall. He hopes to earn a good profit and to save some money for his little child’s future.

Vasil : Armenia

Sat, 04 May 2013 16:20:04 PDT

$300 of $2,325 raised.

Started raising funds on May 4, 2013

Vasil is 41 years old. He lives with his wife, daughter, son and pensioner parents in Ijevan city. Vasil has a higher education; he is an engineer. Vasil has worked in his profession many years but after the Soviet Union dissolution he became jobless. Since 2006 Vasil has run his own transportation business. Vasil bought a mini bus and started to transport pupils and students in his car. He organizes various trips primarily for students and pupils. Vasil's wife helps him to meet the needs of their big family; she works in Ijevan University as a secretary assistant. Vasil’s car is a little bit old and needs some repairs. As he confessed, it is very important to have a car in perfect condition in his occupation. Vasil asks Kiva lenders for a loan to repair his car and to buy new tires for the summer season.

Karen : Armenia

Tue, 07 May 2013 09:50:03 PDT

$475 of $2,450 raised.

Started raising funds on May 7, 2013

Former boxer Karen is 28 years old. He graduated from Vanadzor State Pedagogical Institute, in the Department of Physical Education and Sport. Karen is married and lives with his wife and newborn child. He is the only bread winner in his family, and has to work hard in order to sustain his family. From childhood, Karen was into sports. He was a famous boxer in Vanadzor, and has many titles and prizes from many Armenian and European competitions. But Karen was forced to leave the big sport because of injuries. About 6 years ago, Karen started in the clothing trading business. He rents a stall in the Vanadzor clothes market, and sells sports clothing and sport uniforms. The merchandise he buys from Yerevan (a large city in Armenia) wholesale markets, and orders uniforms from sewing workshops. With the profit from his sport clothing business, Karen is able to meet his new created family needs and help his parents. Karen has a big order from Vanadzor sport schools, and needs a loan of 1,000,000 Armenian drams to buy a special sport uniform collection from Yerevan for reselling. Karen hopes to receive a good profit from this order, and decided to save it for his child's good future.

Khachik : Armenia

Sun, 12 May 2013 14:40:02 PDT

$375 of $1,325 raised.

Started raising funds on May 12, 2013

Khachik is 50 years old and lives with his wife in Tsovagyugh village, which is in the Sevan area. Khachik’s only son is in his military service. Khachik graduated from Armenian Agrarian University in the agronomy department. Since 1999, Khachik has worked in his village municipality as a staff secretary. In parallel, Khachik engaged in agricultural work in his village. Khachik has cows, sheep and bulls. His wife helps him to sell meat and dairy products from their animal breeding in Sevan markets. They have a plot of land near their house and grow vegetables like tomatoes, potatoes and peppers. As Khachik said that the main income he receives is from his farming and animal breeding, he decided to enlarge his breeding stock. He needs a loan of 550.000 Armenian drams to buy a purebred cow and fodder for his animals. This deal will help him to add milking cows and receive a good profit.

David : Armenia

Tue, 14 May 2013 07:40:04 PDT

$350 of $2,650 raised.

Started raising funds on May 14, 2013

Young taxi driver David is 25 years old. He is married and lives with his wife and newborn son in Ijevan city. David’s wife is a chemist and works as an apothecary in Ijevan’s pharmacy and helps her husband to sustain their new created family. Since 2010 David has operated a taxi service in his own car in Ijevan city. He has a lot of clients and many transporting orders. David says that his occupation is profitable but the same time hard and difficult. David must be very careful while doing his work because he transports people. David is asking for a loan from Kiva to repair his car. He wants to have a safer, more comfortable car that allows him to complete his transportation orders on time.

Robert : Armenia

Thu, 23 May 2013 06:10:12 PDT

$50 of $2,650 raised.

Started raising funds on May 23, 2013

Robert is 35 and lives in Ijevan with his wife and small son. Since 1996 he has been engaged in the trading business which brings good income for his family. They managed to do some repairing around their house and they have also managed to buy furniture for their guestroom. Robert has a small rented stall at Ijevan central market, which is well known since he has clothes of big sizes and kids’ clothes as well. Robert has taken a loan from Nor Horizon for the ninth time and it is his third one from Kiva. All of them he has paid back successfully. This time he decided to cooperate with Kiva lenders again and he asks a loan of 1,100,000 Armenian drams to buy a new summer clothes collection to enlarge the assortment in his stall. He hopes that his third deal with Kiva will have the same success as the last ones.