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Kamo was born in 1962 in the village of Tandzaver in the Sunikskiy region. After graduating from secondary school he enrolled in the Kapan college of civil engineering. At this time Kamo works in the Kapan forestry.

Kamo is married and has two children - a son and a daughter. His son is 21 years old and is studying his third year in the Gorisskiy college in the faculty of Law. His daughter is 24 years old, she graduated from the Kapan medical university, got married and now lives in Russia. Kamo's wife works as a librarian.

Kamo has been doing farming for almost 25 years. He owns a plot of land where he grows mainly fruits and vegetables. He also breeds large horned cattle and chickens. Together with his wife he sells the vegetables on the markets of the Sunikskiy region, and the meat, milk and remaining unsold vegetables are bought by his regular customers straight from his home. Thanks to his farming business Kamo has the ability to provide for his family with all necessities and pay for his son's education.

Kamo needs a loan in the amount of 1,000,000 dram to buy eight calves and fodder for the winter. This is the second loan for Kamo which has been provided by the field partner Nor Orizon and he has paid it off without delinquencies.
View original language description ↓
Камо родился в 1962 г. в селе Тандзавер (Tandzaver), Сюникского марза. После окончания средней школы он поступил в Капанский строительный техникум. В данный момент Камо работает в Капанском лесном хозяйстве.
Камо женат и имеет двух детей: сына и дочь. Сыну 21 год, он учится в Горисском колледже на третьем курсе юридического факультета; дочери 24 года, она окончила Капанское медицинское училище, вышла замуж и сейчас проживает в России. Жена Камо работает библиотекаршей.
Сельским хозяйством Камо занимается уже почти 25 лет. Он владеет земельным участком, на котором выращивает овощи и фрукты. Также он разводит крупный рогатый скот и кур. Вместе с женой он реализует овощи из своего огорода на рынках Сюникского марза; а мясо, молоко, фрукты и нереализованные овощи у него покупают постоянные клиенты: скупщики, прямо из дома. Благодаря занятию сельским хозяйством, Камо имеет возможность обеспечивать свою семью всем необходимым и платить за обучение сына.
Камо нужен кредит в 1.000.000 драм, для покупки восьми бычков и сена на зиму.
Данный кредит является вторым по счету, получаемым Камо от организации Нор Оризон, и он выплатил данный кредит без просрочек.

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
  • 176
    View loans »
    Armenia Loans Fundraising
  • $17,065,475
    Funds lent in using Kiva
  • 384.0
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,625 helped Kamo to buy eight calves and fodder for his farm animals.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Nov 11, 2011
Nov 15, 2011
Currency Exchange Loss:
May 17, 2013