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Svetlana lives in the village of Zovaber, which is in the Sevan area. She is engaged on her own in farming and agriculture. She has two cows, one heifer, one pig, six sheep, four lambs and six chickens. She also cultivates some greens and potatoes on her own plot of land. Svetlana does all this by herself, since her husband works abroad in the Russian Federation. She lives with her retired mother-in -law, her son who sometimes helps Svetlana around the farm, and her daughter who recently got married and lives separately with her own family. Svetlana has never been employed anywhere and, since getting married, she has been engaged in farming. Svetlana has plans to build a barn for her cattle, and she also wants to buy a lot of fodder for the farm animals. She needs 1,000,000 AMD (Armenian drams) to start her building activities. This is Svetlana’s first deal with Kiva, and she very much hopes that her expectations will be fulfilled.

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
  • 137
    View loans »
    Armenia Loans Fundraising
  • $15,776,200
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,400 helped Svetlana to build a new barn for her cattle and to buy a lot of fodder for the animals.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
May 14, 2013
Jun 17, 2013
Currency Exchange Loss:
Dec 17, 2014