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Zhanna was born in 1950 in Bolnisi city, Georgia. When she was 20 years old she decided to move from Georgia to Armenia. Zhanna is separated and now she lives with her 23-year-old son, who she brought up without any assistance.

For more than 24 years Zhanna worked as an accountant but she always dreamed about her own business. In 1997 Zhanna set up a clothes trading business. She sells clothes that she buys from Georgia. She runs the business from different rented places during different time periods. Zhanna rents a stall in a clothes trading market in Yerevan.

Thanks to the profit from her business, Zhanna solves her small family’s needs, pays for her son’s education and repairs her apartment. Zhanna is asking for a $3,000 loan to buy a large lot of swimsuits to resell because swimsuits are in great demand during summer holidays. This is Zhanna’s 10th loan from Nor Horizon and she has never delayed her repayments.

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
  • 124
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Zhanna to buy a large lot of swimsuits to resell.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 7, 2011
Jul 10, 2011
Currency Exchange Loss:
Jul 15, 2012