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Anush’s family successfully manages farming. They have a small vegetable-fruit garden for family needs and a very beautiful and big vineyard, the harvest of which they surrender to the factory. They keep five cows, two pigs and ten chickens on their farm. Anush has decided to help her parents to improve their living conditions and asks for a loan of 1,100.000 Armenian drams to buy three cows and to do some repair work on their vineyard. Anush is 28 years old and she lives in the village Achajur in the Tavush area with her mother, father and brother. Her parents are unemployed and both of them are fully engaged in farming and agriculture. Anush works at the Court of Common Equality of Tavush area as judge’s assistant. Simultaneously with her work, Anuah helps her parents around their farm. The main income of their family comes from farming, since they have some loyal customers from the village to whom they can sell meat and milk from their farm. Anush has taken loans from Nor Horizon for three times and she has never had any delays during the time of paying it back. Anush hopes that she and her family will be greatly supported by 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
  • 139
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $2,650 helped Anush to buy three cows and to do some repair work in their vineyard.
90% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
May 14, 2013
Jun 16, 2013
Currency Exchange Loss: