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Anna will soon be twenty years old. She lives with her parents and sister in Kapan. Her sister is a student. Her father does construction work and her mother has worked in clothing sales for many years now.

As it is difficult to support a large family in a small town like Kapan, in 2012 Anna decided to try her hand at business. She has been renting a stall and selling women's clothing at the Kapan fair for a year now. Before opening her own business Anna helped her mother in her stall and hence knows well the difficulties of the business. She already has regular clients not only in Kapan, but also in nearby villages. The secret to her success is that she is young and understands fashion trends well. She brings new clothing to Kapan from wholesale markets in Yerevan every month.

Anna uses the profit from her business to help her parents support the family and her sister pay for school. Anna needs a loan of 2700 Armenian dollars to purchase spring and summer clothing in Yerevan for her stall in Kapan.
View original language description ↓
Анне скоро будет 20. Она живет вместе с родителями и сестрой в городе Капан. Сестра Анны студентка, отец работает на стройке рабочим. Мать Анны уже долгие годы занимается перепродажей одежды в Капане. Так как содержать большую семью в маленьком городке Капан очень трудно , Анна в 2012 году решила сама попробовать занятся бизнесом. Уже год как Анна арендует лавочку в Капанской ярмарке и продает женскую одежду. До открытия собственного бизнеса Анна помогала матери в ее лавочке и хорошо знает трудности этого бизнеса. У нее уже есть постоянные клиенты не толька с Капана , но и из соседних поселков . Секрет удачи Анны в торговле одежды состоит в том что она молодая и хорошо понимает и представляет все тенденции в моде и у нее всегда новыие партии одежды которые она каждый месяц покупает и привозит в Капан из оптовых рынках Еревана.
С прибылью от торговли Анна помогает родителям в содержании семьи и помогает сестре по оплате ее учебы.
Анна нуждается в кредите на сумму 2700 Американских долларов для покупки новой партии одежды весеннего и летнего сезона из Еревана , для перепродажи в своей лавочке .

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
  • 154
    View loans »
    Armenia Loans Fundraising
  • $15,809,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,700 helped Anna to buy a new women clothes assortment for spring and summer seasons from Yerevan wholesale markets for reselling them in her stall in Kapan.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 25, 2013
Mar 13, 2013
Currency Exchange Loss:
Mar 17, 2015