- ArmeniaServicesFunding via Nor Horizon Universal Credit Organization Limited Liability Company
- ArmeniaAgricultureFunding via Nor Horizon Universal Credit Organization Limited Liability Company
- ArmeniaRetailFunding via Nor Horizon Universal Credit Organization Limited Liability Company
Update on LianaLiana was born and lives in the city of Kapan of the Siyunik district. She studied to become an economist at the Kapan construction college. Liana got married at an early age. Liana is now 37 years old and a widow; her husband died in a car accident. Liana has a son, who lives with her along with her parents. Liana's mother is ill, and father teaches at the Kapan construction college. Because Liana is raising her son by herself, she does everything to make sure that he grows up to be a deserving citizen of his country, obtains good education and lives happily and without difficulties. After her husband's death, Liana opened her own business and has been selling food products, clothing and dishware in a leased store in Kapan for almost four years. Once a month, she buys merchandise at wholesale markets in Yerevan and resells it at her store in Kapan. She already has many customers, who prefer to buy clothing, dishware and kitchen accessories from Liana's store. She is very happy that her hard work can support her family, help her father with the household and pay for her ill mother's treatment. Liana worked with Kiva in 2009, and this is her second loan, with which help she wants to purchase a large inventory of spring merchandise from Yerevan and many kitchen accessories and dishware. A large Christian holiday of Easter is coming up, and she hopes to make a good profit from holiday sales.
Лиана вышла замуж в раннем возрасте. Лиане сейчас 37 лет она вдова , муж умер во время автокатастрофы.
У Лианы есть сын с которым она проживает вместе с ее родителями . мать Лианы больная а отец преподает в Капанском строительном коледже.Так как Лиана одна воспитывает сына она делает все чтоб он вырос достойным гражданином своей страны, получил хорошее образование и жил без трудностей и счастливо.
После смерти мужа Лиана открыла свой бизнес и почти как четыре года продает продукты питания , одежду и посуду в арендованном магазине в Капане. Раз в месяц она покупает товары на оптовых рынках Еревана и перепродает их в своем магазине в Капане. У нее уже много клиентов которые предпочитают покупать одежду , посуду и кухонные аксесуары из магазина Лианы. Она очень счастлива что со своим тяжким трудом может содержать семью, помогать отцу в хозяйстве и оплатить лечение больной матери.
Лиана в 2009 году уже сотрудничила с Кива и это уже ее второй кредит с помощью которого Лиана хочет купить большую партию весенней одежды из Еревана и много кухонных аксесуаров и посуды. Скоро большой Христианский праздник Пасха и она надеется получить хорошую прибыль от предпраздничных распродаж.
Previous Loan DetailsLiana S. is 34 years old and she lives in Kapan with her school-aged son. Liana is an economist and before that she worked as a shop assistant for some years. Three months ago Liana organized a mixed-product trade in a rented place and she has approximately 85,000 AMD in income from her busine... More from Liana's previous loan »
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.
To stay updated on loans from Armenia, please join the Armenia lending team at http://www.kiva.org/team/armenia.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid