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The young farmer Arman was born in the village Khnatsakh that is in the Kapan district. Arman moved to the town of Kadjaran and, since 2000, has lived there with his wife and four-year-old son.

Arman from an early age has been involved in raising cattle in his native village. At first he helped his father, but now he has his own farm. Arman already has nine cows and 15 sheep.

Arman sells meat and dairy products in the markets of Kapan and Kadjaran. Arman manages with his large cattle by himself; his wife is bringing up their son and is not able to help her husband much with the agriculture.

Arman loves his homeland, especially his native corner and never despite the difficulties has thought to leave the country for work abroad. Arman's big dream is to have many children and to teach the agriculture and animal husbandry.

Arman needs a loan to buy four young bulls, from which he expects in a year to get a decent profit. This is the first deal Arman has had with Kiva and he hopes for further cooperation with Kiva Lenders.
View original language description ↓

Молодой фермер Арман родился в селе Хнацах(Khnatsakh) что в Капанской области.
С 2000 года Арман переехал в город Каджаран и живет там вместе с женой и 4 летним сыном.
Арман с ранних лет занимается скотоводством в родном селе, сначала помогал отцу а теперь имеет собственное хозяйство. У Армана уже есть 9 коров и 15 овец.
Мясо и молочные продукты Арман реализует в рынках Капана и Каджарана. Со своим большим скотом Арман справляется сам , его жена занимается воспитанием сына и не может пока помогать мужу по сельскому хозяйству. Арман очень любит родину , особенно свой родной край и никогда не смотря на трудности он никогда не думал покинуть страну за зарубежными зароботками. Большая мечта Армана иметь много детей и учить их селькому хозяйству и скотоводству.
Арману нужен кредит для покупки 4 быков, от которых он через год ожидает получить приличную прибыль. Это первая сделка Армана с Кивой и он нодеется на дальнейшее сотрудничество с Кредиторами Кива.

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
  • 176
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,200 helped Arman to buy four young bulls.
100% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Apr 5, 2013
May 10, 2013
Currency Exchange Loss:
Apr 17, 2016