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Garush lives in the village Ddmashen, which is in the Gegharkunik region. Unfortunately, his mother died several years ago and his father is very unhealthy. Garush is the only bread-winner in his family.

From time to time, if there is such demand, he does the work of a tiler, but it is not a constant income for his family, with many problems. So, Garush is engaged in farming and agriculture and the only person that helps him very much is his wife, who takes care of their children and manages to support him with great help.

Over time, the main source of income has become farming and agriculture. They cultivate potatoes and they breed on their farm two cows, two heifers, ten sheep, five piglets, and twenty chickens. They also manage to sell milk, cheese, macun (Armenian national dairy product), eggs, and sometimes mutton, as well.

Garush asks for a loan of AMD 250,000 (Armenian drams) to get ready for hay-mowing activities. Garush and his wife send greetings and very much hope that this loan will significantly lighten their work this season.

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
  • 162
    View loans »
    Armenia Loans Fundraising
  • $17,086,950
    Funds lent in using Kiva
  • 410.7
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Garush to get ready for hay-mowing activities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 21, 2013
Jul 25, 2013
Currency Exchange Loss:
Jul 17, 2014