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Maro has been in the agriculture business for 20 years. In the village of Shishkert, Syuniksk region, Maro raises cattle and chickens, and grows potatoes and apples for sale. She sells the apples, potatoes, beef, milk and eggs in the cities of Kapan and Kadzharan, where there is always high demand for farmers' products. Maro provides for her family thanks to her profits from this business.

Maro is 44 years old. She is married and has 2 daughters. Maro graduated from teachers' university and, in addition to running her agriculture business, works as a school biology teacher. Her youngest daughter is also a school teacher in a rural area, while her oldest daughter is currently looking for work. Maro's husband helps her with farming. Maro has received 3 loans from Nor Horizon, and have always repaid them on time. Presently, she needs 500,000 dram to purchase seedlings of a new sort of potatoes in time for the sowing season.
View original language description ↓
Маро занимается сельскохозяйственным бизнесом на протяжении 20 лет. В деревне Шишкерт, Сюникского региона, Маро разводит крупный рогатый скот и кур, выращивает картофель и яблоки на продажу. Яблоки, картофель, говядину, молоко и яйца она продает в городах Капане и Каджаране, где всегда большой спрос на сельскохозяйственную продукцию. Благодаря выручке, получаемой от занятия сельским хозяйством, Маро содержит семью.
Маро 44 года. Она замужем и у нее 2 дочери. Маро окончила педагогический университет и, параллельно, с занятием сельскохозяйственным бизнесом, она работает учительницей биологии в школе. Младшая дочь Маро также работает учительницей в сельской школе, старшая дочь находится в процессе поиска работы; муж Маро помогает ей в ведении сельского хозяйства.
Маро получала кредит от организации Нор Оризон 3 раза и всегда выплачивала кредит во время. Сейчас Маро необходимо 500.000 драм для покупки рассады нового сорта картофеля в преддверии посевного сезона.

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
  • 392.0
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,300 helped Maro to buy potato seedling ahead of the sowing season.
100% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
May 2, 2012
May 5, 2012
Currency Exchange Loss:
Oct 17, 2013