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Laura, who was born in 1959 in Koti village, Ijevan area, is a widowed mother of four daughters, three of whom are married and live separately from Laura. Her youngest daughter lives with her and studies at the Ijevan branch of Yerevan State University.

Laura was a cigarette-maker on the state farm for about 18 years. Since 1990, she has engaged in the breeding of cows and chickens, and cultivates land upon which she grows wheat for her family's use. Dairy products and eggs she sells to her neighbors or exchanges them for other products. Thanks to her income, Laura provides for her family's needs, pays for her youngest daughter's education, organized her three daughters’ weddings, and paid for their educations as well.

Laura used her first Kiva loan to buy some piglets for her farm. She is now seeking a 1,000,000 AMD loan to buy some calves and animal fodder, and plans to spend her increased income on her youngest daughter's education.

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
  • 137
    View loans »
    Armenia Loans Fundraising
  • $15,776,200
    Funds lent in using Kiva
  • 374.5
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,675 helped Laura to buy some calves and animal fodder.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Sep 14, 2011
Sep 17, 2011
Currency Exchange Loss:
Apr 16, 2014