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Marat lives in Tsovagyugh village in the region of Gegharkunik. He is married and has two school-aged sons. His wife is unemployed. Marat has no higher education, and he has never been employed. Since he was married, he and his wife have been engaged in farming and agriculture. They have a small plot of land and some cattle; two cows, one bull, two calves and thirty chickens. The meat and the milk that they produce is sold with the help of re-sellers. Despite all this, his family’s living conditions are very poor, and they have many financial problems. Marat has taken loans from Nor Horizon three times in the past, and this time he is applying for support from Kiva lenders. Marat needs 800,000 AMD (Armenian drams) to buy two calves and animal fodder.

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
  • 170
    View loans »
    Armenia Loans Fundraising
  • $17,071,775
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,925 helped Marat to buy two calves and fodder for his animals.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
May 8, 2013
Jun 10, 2013
Currency Exchange Loss:
Dec 17, 2014