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Hasmik is 37 years old. She is married and lives with her husband, son and two daughters in Berkaber village, which is in the area of Ijevan. As Hasmik has said, to sustain big family in their village is very hard and they work hard day and night in order to meet their family's needs. Hasmik’s husband works for the village as a gardener and her son is a driver.

Hasmik is engaged in farming and animal breeding. On plot of land near their house, Hasmik grows tomatoes, cucumbers, potatoes and peppers, which she sells in the Ijevan markets. At the same time, she breeds cows and pigs in an animal barn which was built by her son and husband. With income from this agricultural business, Hasmik shares her family's monthly expenses with her husband and son.

Hasmik is asking a loan from Kiva lenders to buy two young cows and she hopes to receive a good profit from cattle breeding in the future.

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
  • 169
    View loans »
    Armenia Loans Fundraising
  • $17,105,775
    Funds lent in using Kiva
  • 415.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Hasmik to buy two young cows.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 9, 2013
May 14, 2013
Currency Exchange Loss:
Jul 17, 2014