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Anait is 30 years old. She lives in the town of Ijevan together with her husband, two children and her parents-in-law. Anait's daughter attends a school, her son is 5 years old, and her husband and father-in-law work as drivers. Anait works at the town administrative office and makes window drapes to-order at home after work. Her mother-in-law helps her with the sewing, and together they fill not only individual orders, but orders from small hotels and restaurants. Anait says that they always have many orders, and they often work nights. Thanks to this business, Anait and her mother-in-law are able to provide for the family's basic needs because a driver's salary is not enough to support the family. Anait needs a loan in the sum of 850,000 dram for the purchase of materials and various accessories for filling her orders.
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Анаит 30 лет, она проживает в городе Иджеване (Ijevan) со своим мужем, двумя детьми и родителями мужа. Дочь Анаит учится в школе, сыну 5 лет, а муж и свекор работают водителями.
Анаит работает в городской администрации, а после работы дома шьет занавески на заказ. Свекровь Анаит помигает ей с шитьем и вместе они выполняют не только заказы частных лиц, но и заказы небольших гостиниц и ресторанов. Анаит говорит, что у них всегда очень много заказов и очень часто они работают до поздней ночи. Благодаря бизнесу Анаит и ее свекровь обеспечивают основные потребности своей семьи, так как зарплаты водителя недостаточно для содержания семьи.
Анаит необходим кредит на сумму 850.000 драм для покупки материала и разнообразных аксессуаров для выполнения своих заказов.

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
  • 170
    View loans »
    Armenia Loans Fundraising
  • $17,105,775
    Funds lent in using Kiva
  • 372.8
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,300 helped Anait to buy materials and various accessories for her business.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Sep 26, 2011
Sep 26, 2011
Currency Exchange Loss:
Feb 15, 2013