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Dilbar is 51 years old. She is a widow and lives alone in the village of Tsovagyugh in the region of Sevan as each of her four children is married and lives separately from Dilbar.

Dilbar worked milking cows for several years; but, since 1990, she has been running an agricultural business and a trading business simultaneously. Dilbar has two cows, two calves and 30 chickens and produces dairy products and eggs, which she sells from her farm. She also sells a variety of food items and household goods from a small stall that is situated in her yard. The income she generates from this work helps her to support herself, but she said it is not always sufficient to develop her farm and trading business.

Dilbar is requesting a loan of 350,000 AMD to buy one more calf for her farm and to buy some foodstuffs for her stall.

This is Dilbar’s second loan from Nor Horizon.

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
  • 129
    View loans »
    Armenia Loans Fundraising
  • $16,765,225
    Funds lent in using Kiva
  • 382.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Dilbar to buy a calf for her farm and some foodstuffs for her stall.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 2, 2011
Dec 7, 2011
Currency Exchange Loss:
Sep 15, 2012