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Emma is a very kind and intelligent woman and she lives with her daughter in Vanadzor city. Unfortunately she became a widow several years ago.

Emma has graduated Vanadzor State Pedagogical Institute and she has become a teacher of Armenian language and Literature.

She works at the nearby village school as a teacher. Emma says that her decision to become a teacher is a result of her Armenian language and literature teacher, who was a very wise and clever woman and whom Emma loved and respected very much.

Emma also gives paid individual courses at her home and prepares children for the entrance examinations.

Emma is requesting a loan of 400,000 Armenian Drams (AMD) to buy a computer so that she can develop her educational programs both for her individual courses and for school lessons.

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
  • 173
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • 409.5
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Emma to buy a computer so she can develop her educational programs both for her individual courses and for school lessons.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 17, 2013
Aug 16, 2013
Currency Exchange Loss:
Jan 17, 2015