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Zhulieta and her daughter live in Sevan city. which is in the Gegharkunik region. Zhulieta’s daughter is a student at Yerevan State University of Journalistic Faculty (first year of MBA) the department of International and Political Journalistic. Zhulieta works very hard in order to cover all the needs of her young daughter and also to pay her tuition fee. That is why during many years she has never stopped working.

She has a specialty of senior trader and accountant. For several years she worked at the hotel as a barman, then at the coastal zone as a saleswoman and now she works at a private company as a commodity saleswoman. All this long period she has never taken a rest or holidays, despite being in the second group of disabled.

Zhulieta, despite her efforts to earn much money, is not able to pay all her daughter’s tuition fees and needs a loan and support of Kiva lenders on this occasion.

Additional Information

More information about this loan

This loan supports students and teachers as part of Nor Horizon’s education program. Funds can be used for partial or complete payment of expenses related to higher education for students or for teachers who need to invest in assets for their profession. By supporting this loan, you're enabling access to education for students with limited options and assisting teachers to better educate their students.

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
  • 171
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • 410.7
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Zhulieta to pay her daughter’s tuition fees.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 13, 2013
Jul 17, 2013
Currency Exchange Loss:
Mar 17, 2014