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Surik and his family live in the small city of Vedi. Surik graduated from Artashat Pedagogical University in the Department of Law, but unfortunately he has never worked in his specialty. Together with his parents, he became engaged in farming (a cow, ten chickens and two pigs) and agriculture. Surik is married and lives with his wife, son and retired parents.

They have a large plot of private land and a lot of sweat and colorful apple trees. They gather the harvest and sell it in Vedi, and they also bring it to the Yerevan wholesale market and sell it to re-sellers.

Surik requests a loan of 400,000 Armenian drams to organize autumn cultivating work around their fruit garden and buy fertilizer for the land. Surik thanks Kiva lenders beforehand and hopes for future cooperation.

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
  • 141
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • 417.2
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Surik to buy fertilizer for the land and to organize autumn cultivating work around the fruit garden.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 21, 2013
Jun 24, 2013
Currency Exchange Loss:
Dec 17, 2014