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Gayane has been engaged in gardening for a long time. With her younger son’s and husband’s help, she cultivates corn for sale; they also grow cucumbers, tomatoes, haricots, Oriental persimmons and apples for their family’s use.

Gayane and her family intend to develop their gardening and start to grow apples and Oriental persimmons for sale as well. This will allow them to increase their family’s income in the future.

Gayane is seeking an 800.000 AMD loan to lay out an apple and Oriental persimmon garden.

Gayane lives in Sarigyugh village, Tavush region. She graduated from Yerevan State University, and she works as a physics teacher at the village school. Gayane is married and she has three children. Her elder children are married and they live separately from their parents. Gayane’s younger son graduated from Yerevan State University, but now he is jobless and he helps his parents with gardening. Gayane’s husband works as an inspector at State Inspectorate of Environmental Protection.

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
  • 161
    View loans »
    Armenia Loans Fundraising
  • $17,086,950
    Funds lent in using Kiva
  • 405.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,975 helped Gayane to lay out an apple and Oriental persimmon garden.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 30, 2012
Currency Exchange Loss:
Aug 17, 2013