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Garik lives in Vanadzor city, in the Lori region. He is married and he has 2 school-aged sons. His wife does not work and she takes care of their family.

Previously Garik used to work at the gas station, but now on his own bus he takes passengers from the village of Kurtan to Vanadzor city. In this village Garik knows nearly everybody, since he was born here. He does his work with great pleasure and care as among his passengers he always meets his playmates, schoolmates, and neighbors. Garik passed his whole childhood in this village.

He helps the farmers to transfer their farm products to the city for sale and also transfers students who study in Vanadzor city. All the people that travel daily on his bus respect and love Garik very much, and they say that on the way from the village to the city they pass the time enjoying different conversations, making jokes, and remembering different stories from their youth.

Garik takes care of his bus properly as it is the only source of income for his family and also the only vehicle for the people from their village to the city. So he needs this loan amount in order to do some repair work on his bus and also to buy new tyres.

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
  • 128
    View loans »
    Armenia Loans Fundraising
  • $16,765,225
    Funds lent in using Kiva
  • 414.9
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Garik to do some repair work on his bus and buy some new tyres.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Mar 21, 2014
Apr 6, 2014
Currency Exchange Loss:
Oct 17, 2015