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Svetlana and her big nice family lives in the village Tsovagyugh in the region of Gegharkunik. She has a husband who is in the Russian Federation working abroad, three daughters who are married and live with their families, and a son who still lives with Svetlana and works at the Police of Dilijan Department.

Svetlana doesn’t have higher education, but she has a lot of work experience. She has worked as a cashier, then as a librarian at the village library, but last year she became unemployed. Today she is engaged in farming and agriculture. She has five cows, two calves and two bulls. All farming she organizes alone and she does it cleverly and accurately.

This is Svetlana's fifth loan from Nor Horizon and the first one from Kiva. She needs 1.000.000 Armenian drams to buy more cattle. She is a hard-working woman and she will do her best to have a good income for her family and continue to deal with Kiva lenders.

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
  • 174
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • 415.3
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,425 helped Svetlana to buy more cattle.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 25, 2013
May 21, 2013
Currency Exchange Loss:
Jun 17, 2014