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Vardan is 35 years old. He was born in and still lives with his wife and two sons in the village N.Hand in the Kapan district. Vardan's wife works in the police.

From an early age, Vardan has been engaged in farming in his native village. Vardan has 13 heads of cattle and 20 chickens. Next to his family's home is also a plot of land where Vardan sows corn, grows tomatoes, potatoes, peppers, and herbs.

Vardan sells agricultural products in wholesale markets in the city of Kapan.

He sells milk, cheese, eggs and meat from his livestock to wholesalers who buy the goods directly from his farm and transport them to Yerevan.

Vardan is pleased with his work and is glad that with his labor he can support his family and help his parents in their retirement.

Vardan decided to multiply the number of his cattle and needs a loan of 1,000,000 Armenian drams to buy three special breed cows that produce a high quantity of milk each day.
View original language description ↓
Вардану 35 лет. Он родился и живет вместе с женой и двумя сыновьями в селе Н.Анд(N.Hand) что в Капанской области. Жена Вардана работает в полиции.
С ранних лет Вардан занимается сельским хозяйством в родном селе.
У Вардана есть 13 голов крупного рогатого скота и 20 кур. Рядом с домом у его семьи есть так-же участок земли где Вардан сеет зерно, выращивает помидоры, картофель,огурцы,перец и зелень.
Сельскохозяйственную продукцию Вардан реализует в оптовых рынках города Капан.
Молоко, сыр,яйца и мясо от его животноводство Вардан продает оптовикам которые прямо из его фермы покупают товары и перевозят их в Ереван.
Вардан доволен своей деятельностью и рад, что со своим трудом может содержать семью и помогать родителям пенсионерам.
Вардан решил умножить количество его скота и нуждается в кредите на сумму 1,000,000 Армянских драм для покупки 3 коров особой породы которые дают большое количество молока в день.

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
  • 138
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,450 helped Vardan to buy three special breed cows that produce a lot of milk daily.
86% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 4, 2013
May 10, 2013
Currency Exchange Loss: