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Hasmik lives in the village of Dashtakar which is in the Ararat region. She graduated from the Yerevan State Pedagogical Institute and since then she has worked as a teacher at a school in Vedi city. She is devoted to her work and to her teacher’s degree. Hasmik is married and she has three children; all of whom are already married. Hasmik’s husband provides veterinary services in their village.

The couple are engaged in farming, in addition to their employment. On their farm, they have a cow, two calves, a bull and 20 chickens. Now Hasmik greatly wants to increase the number of cows on her farm which will allow her to sell more milk and other dairy products and receive a good income. She is asking for a loan of 2,000 USD in order to buy several cows and also increase her family income.

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
  • 141
    View loans »
    Armenia Loans Fundraising
  • $15,744,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $2,000 helped Hasmik to buy several cows and also increase her family income.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 5, 2013
Nov 29, 2013
Currency Exchange Loss:
Nov 17, 2014