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Flora is a 45-year-old farmer. She lives with her husband in the village of Ddmashen, which is in the Sevan area. Flora has two sons. The elder one is a military man; the second son is in the Russian Federation, working abroad. Flora has never worked outside the farm. Her whole life Flora has engaged in agricultural business.

She grows vegetables and fruits in her garden, which her husband sells in the Sevan fruit markets. She has also a large barn for animals and breeds cows, sheep and chickens. Flora also has 20 beehives and the honey from her farm is most popular in the Sevan area.

Flora is a very hardworking lady and she makes very tasty cheese from her animals' milk and sells it to resellers from Yerevan. The income from farming and land cultivating allows Flora to sustain her family. Her younger son from time to time helps Flora from Russia and shares his family's bills in Armenia.

Flora likes her rural occupation and she confessed that agriculture is very hard but at the same time a very pleasant and profitable business.

Flora needs a loan to buy calves and fodder for her animals. This is the first loan from Kiva for Flora and she hopes to cooperate with Nor Horizon and Kiva again.

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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $16,783,950
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Flora to buy calves and fodder for her animals.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 4, 2013
Jun 4, 2013
Currency Exchange Loss:
Mar 17, 2014