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Heghine lives in the village of Geghamavan, which is in the Gegharkunik region. She is 40 years old and married, with a son and a daughter. Her husband and son are now temporarily in the Russian Federation for working abroad, and Heghine lives with her school-aged daughter and retired mother-in-law.

Despite being alone, Heghine is very skillfully engaged in farming and agriculture. She breeds on her farm a cow, a calf, two piglets, and 30 chickens. She also cultivates on her plot of land cabbages and potatoes, the sale of which she organizes from her house. She sells her harvest to re-sellers.

Heghine asks a loan of AMD 1,000,000 in order to buy a lot of animal fodder for winter and also some seedlings for her agricultural activities.

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
  • 171
    View loans »
    Armenia Loans Fundraising
  • $17,126,950
    Funds lent in using Kiva
  • 405.8
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,475 helped Heghine to buy animal fodder for winter and also seedlings for her agricultural activities.
100% repaid
Repayment Term
32 months (Additional Information)
Repayment Schedule
Oct 1, 2013
Nov 4, 2013
Currency Exchange Loss:
Nov 17, 2015