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Stepan O. was born in 1965 in the village of Enokavan, in a part of Armenia known has Ijevan. He is married and has three sons, all of whom are in school. He makes a living by breeding animals and farming corn and oats, which he uses as fodder for his sheep. Stepan works hard to meet his family's needs and pay for the education of his sons. He is applying for a loan of 800,000 AMD to prepare for his next crop and buy feed for his animals.

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
  • 139
    View loans »
    Armenia Loans Fundraising
  • $15,768,025
    Funds lent in using Kiva
  • 376.0
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Stepan to plant his next crop and buy food for his animals.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Apr 12, 2011
Apr 13, 2011
Currency Exchange Loss:
Nov 18, 2013