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Heghine is a 27-year-old teacher. She lives with her parents in Tsovagyugh village, which is in the Sevan area. Heghine’s mother engaged in farming, and her father is now in the Russian Federation for Seasonal Works and helps to meet his family’s needs in Armenia. Heghine graduated from the State Pedagogical University of Armenia n the Department of Education portal. Hegine works in school as a teacher and, at the same time, she studies at the State Pedagogical University of Armenia to receive her master's degree. Heghine needs a loan of 190,000 AMD (Armenian drams) to pay for her education fees.

Additional Information

More information about this loan

This loan supports students and teachers as part of Nor Horizon’s education program. Funds can be used for partial or complete payment of expenses related to higher education for students or for teachers who need to invest in assets for their profession. By supporting this loan, you're enabling access to education for students with limited options and assisting teachers to better educate their students.

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
  • 177
    View loans »
    Armenia Loans Fundraising
  • $17,065,475
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Heghine to pay her graduate school tuition fees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 29, 2013
Apr 30, 2013
Currency Exchange Loss:
Oct 17, 2013