A loan of $1,450 helped to buy two cows and some sheep.


Alvard's story

Alvard, age 58, earns an income from engaging in a combination of animal agriculture and farming. She owns a plot of land where she keeps her farm animals - specifically four cows, two bulls, two heifers, 10 sheep, and five lambs. She earns a small additional income by working as a cook at the kindergarten in Tsovagyugh, the local village.

Like many other families in their village, Alvard’s husband is earning a small income abroad as a worker in the Russian Federation. By supplementing the farm income with his earnings, he tries to improve the family’s poor living conditions. One of their sons helps Alvard with the farming; he also manages to earn a little extra money by working during holiday seasons in the coastal area of beautiful lake Sevan.

Alvard is confident that she can manage any hard work, especially if there is the possibility of additional support and help. She has made the decision to request a loan from Kiva lenders in the amount of 600,000 Armenian drams in order to buy two cows and some sheep.

This will be Alvard's second loan from Nor Horizon and she is considered a very responsible and trustworthy client.



Loan details


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Loan details