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Tamara was born in 1957, in the town of Kapan. After graduating from a secondary school, Tamara went to a professional technical college. Tamara is a widow. Her son, daughter-in-law and a two-year-old granddaughter live with her. Her son is involved in construction and repair work, and daughter-in-law works at the Kapan mining-enriching factory. Since 1997, Tamara has been involved in sales of clothing and shoes at the Kapan city market, where she leases a space. She sells women's, men's, children's clothing, shoes and undergarments. She buys her merchandise once per month in Yerevan. Thanks to her business, Tamara helps her son and daughter-in-law to support their family. She loves her work very much and works without days off. Tamara needs a loan in the sum of 500,000 dram for the purchase of women's, men's and children's fall clothing for her business. This is Tamara's third loan from the Nor Horizon organization, and she has always repaid her loans on-time.
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Тамара родилась в 1957 г. в городе Капане. После окончания средней школы Тамара поступила в профессионально-техническое училище.
Тамара вдова, вместе с ней проживают сын, невестка и двухлетняя внучка. Сын занимается строительно-ремонтными работами, невестка работает на Капанском горно-обогатительном комбинате.
С 1997 г. Тамара занимается торговлей одежды и обуви на Капанском городском рынке, где она арендует помещение. Тамара продает женскую, мужскую, детскую одежду, обувь и белье. Товары она приобретает раз в месяц в Ереване.
Благодаря своему бизнесу Тамара помогает своему сыну и невестке содержать семью. Она очень любит свою работу и работает без выходных.
Тамаре необходим кредит на сумму 500.000 драм для приобретения женской, мужской и детской осенней одежды для своего бизнеса.
Тамара получает кредит от организации Нор Оризон уже в третий раз и она всегда выплачивает кредит вовремя.

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
  • 175
    View loans »
    Armenia Loans Fundraising
  • $17,065,475
    Funds lent in using Kiva
  • 371.7
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,350 helped Tamara to buy autumn clothing for her business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 27, 2011
Sep 27, 2011
Currency Exchange Loss:
Oct 17, 2013