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Tamara is 54 years old and she lives in the village Astghaberd in Syunik region. She has no higher education, but she is a very clever and bright woman and now she works at the municipality as a chief accountant. Tamara is a widow; she has a daughter and a son. Her daughter is married and she lives separately. Her son is still school-aged, and he greatly helps his mother in their farm and agricultural activities. They have a small and very nice farm, where they are raising two bulls, a cow, two calves and twenty chickens. They also have a plot of land on which Tamara cultivates potatoes, cabbages, beetroot, sunflowers and she also raises beautiful and colorful flowers all over her vegetable garden.

Tamara says that she is very happy in her small house and farm, since she is surrounded by the beauties of nature; by flowers that she has raised herself, farm animals that she takes care of with kindness and love, and her children whose love helps Tamara to work cheerfully and enjoy their life.

Tamara is asking for a loan of 1,000,000 Armenian drams to buy a lot of animal fodder and potato seedlings. She is sure that this support will make her small, but happy family happier and improve their living conditions.

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
  • 126
    View loans »
    Armenia Loans Fundraising
  • $16,733,225
    Funds lent in using Kiva
  • 405.9
    Armenia Drams (AMD) = $1 USD
A loan of $2,475 helped Tamara to buy a lot of animal fodder and potato seedlings.
Repayment Term
38 months (Additional Information)
Repayment Schedule
Aug 7, 2013
Sep 2, 2013
Currency Exchange Loss:
Oct 2, 2013