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Manyak is 55 years old and she lives in the village Lchashen in Gegharkunik region. She is married and she is a mother of two very pretty and very clever girls. Both of them are already students of Yerevan State University at the International Economics department.

Manyak has graduated pedagogical college and since her graduation in 2000, she has worked at the kindergarten. Over the last ten years, she has been running her own business and helps her husband to earn a family living. She has her own small shop, where she sells household products, clothes, stationary and a great variety of foods. Her shop is very popular in their village, as she is very skilled in trading business and she does her best to attract more customers.

She needs a loan in an amount of 1,000,000 Armenian drams in order to add to her shop’s stock before Christmas and New Year’s holidays.

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
  • 124
    View loans »
    Armenia Loans Fundraising
  • $16,783,950
    Funds lent in using Kiva
  • 405.5
    Armenia Drams (AMD) = $1 USD
A loan of $2,475 helped Manyak to add her shop’s stock before Christmas and New Year’s holidays.
Repayment Term
38 months (Additional Information)
Repayment Schedule
Nov 20, 2013
Dec 15, 2013
Currency Exchange Loss:
Feb 13, 2014