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Artem runs a garden in Khashtarak village, Tavush region. He grows haricots, onions, potatos, and maize (corn). Also, Artem has some apple and Oriental persimmon trees. He sells fruits and vegetables in Khashtarak village and in Ijevan city as well. Artem’s family helps him in gardening and thus they support themselves.
Artem likes his occupation very much. He says that gardening is laborious and at the same time a profitable business, so he intends to develop it. He needs a $3,000 loan to fence his garden and to install an irrigation system in it.
Artem is 34 years old. He is married and has two school-aged sons. Also with them lives Artem’s mother, who works as a teacher at school. Along with his agricultural activities, Artem works as an accountant at one of Ijevan’s organizations.

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
  • 122
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $3,000 helped Artem to fence his garden and to install an irrigation system in it.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Jul 13, 2012
Jul 18, 2012
Currency Exchange Loss:
Feb 20, 2015