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Lernik was born in 1961 in the village of Syunik in the Syunik Region. After completing secondary school, he enrolled into the Kapan Technical College for Building Construction Technology. At present he works as a construction worker for a construction company in Kapan. Lernik is married and has one son and one daughter.

In addition to working in construction, Lernik raises animals and grows produce in his native village, where he owns a land plot. He has been in this business for almost 20 years. On his farm, he keeps cattle, pigs, chickens, and sheep.

Of course, after hard work in construction, it is difficult to take care of the farm as well, and so Lernik’s wife and children help him out with farm work. Lernik and his wife sell vegetables, fruits, milk, meat products and cheese at the Kapan markets all year round. The revenues from farming allow him to provide for his family in a dignified way. Lernik decided to expand his farm, for which he needs a loan in the amount of 700,000 AMD to buy two bulls as well as hay for his cattle.
View original language description ↓
Лерник родился в 1961году в селе Сюник, что в Сюникской области. После средней школы он поступил и окончил Капанский Строительный Техникум.
В данный момент работает строителем в Капанской строительной компании. Лерник
женат и имеет сына и дочь.
Кроме работы на строительстве Лерник занят скотоводством и сельскохозяйством в родном селе, где имеет участок земли. В этом деле он почти 20 лет. Лерник на своей ферме имеет крупный рогатый скот,свиней, кур и овец.
Конечно трудно после тяжелой работы на строительстве заниматся фермой, и по этому Лернику по сельскому хозяйству помогают его жена и дети. Круглый год Лерник со своей женой реализует на рынках Капана овощи и фрукты, молоко,мясо и сыр. Прибыль от сельского хозяйства позволяет ему достойно содержать семью. Лерник решил разширить свою ферму и для этого ему нужен кредит на сумму 700,000 Армянских драм для приобретения двух бычков и для покупки сена для скота.

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
  • 123
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • 406.1
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,725 helped Lernik to buy two bulls and hay for the cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 10, 2013
Currency Exchange Loss:
Oct 17, 2014