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Gayane is a very young and nice lady of 22 years old who lives in a very beautiful and rich with nature city of Dilijan, which is in Tavush region. Gayane has a higher education and a specialty of a lawyer, and at this moment, she is in magistracy study. Despite of her young age, simultaneously she manages farming.

She has in her farm two cows, two calves, twenty chickens, and a pig. As she says, her cows give good, tasty, and creamy milk, which sells to re-sellers or to the local cheese factories.

Gayane asks for a loan of 500,000 Armenian drams in order to increase her farm cattle breeding, and she plans to buy a cow and fodder for winter season.

Additional Information

More information about this loan

This loan is helping support a borrower who is under age 30. Because many young people lack business experience or established credit histories, it can be even more difficult for them to access financial services. By funding this youth loan, you are expanding opportunity for a young person with limited resources.

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
  • 167
    View loans »
    Armenia Loans Fundraising
  • $17,105,775
    Funds lent in using Kiva
  • 405.8
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,250 helped Gayane to buy a cow and fodder for winter season, which will help her increase her farm cattle breeding.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 30, 2013
Nov 3, 2013
Currency Exchange Loss:
Oct 17, 2015