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Rafik was born in 1960. He lives in Sevan with his wife. His three children, two sons and a daughter, live separately from their parents.

Rafik is a locksmith and worked as a worker for many years. But since 1992, Rafik and his wife have been engaged in the fruits and vegetables trade. Every three days Rafik goes to Yerevan, where he buys merchandise for his business. While Rafik is purchasing, his wife stays at the stall instead of her husband. Thanks to their occupation, Rafik and his wife provide for their family.

This is Rafik’s second loan from Nor Horizon, and now he needs a 500.000 Armenian dram (AMD) loan to buy large lots of apples, pears, citruses and different vegetables to resell.

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
  • 171
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • 388.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Rafik to buy large lots of apples, pears, citruses and different vegetables to resell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 13, 2012
Feb 15, 2012
Currency Exchange Loss:
Jan 15, 2013