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Elmira and her family are engaged in farming. They breed cows, pigs, and chickens, and they grow grapes, potatoes, onions, garlic, raspberries, haricots, and other crops. Because the volume they produce is not so big, Elmira uses most of their output to support her family. She usually sells only milk and grapes. Sometimes she sells some pork before the New Year holidays when the demand for meat is very high.

Elmira is 43 years old. She lives in Sevkar village, in the Tavuch area. She lives with her husband, her parents-in-law who are pensioners, and two young daughters. In addition to farming, Elmira works at a gas service office as an inspector.

This is Elmira’s third loan from Nor Horizon. She is requesting a 700,000 AMD loan to buy some piglets and fodder for her farm animals. Elmira always makes her scheduled loan repayments.

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
  • 169
    View loans »
    Armenia Loans Fundraising
  • $17,105,775
    Funds lent in using Kiva
  • 389.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,800 helped Elmira to buy some piglets and fodder for her farm animals.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 22, 2012
Apr 8, 2012
Currency Exchange Loss:
Nov 18, 2013