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Liana lives with her mother in Vanadzor city in the Lori region of Armenia. She has a graduate degree in accounting and she currently has a job in this field. Liana’s mother is retired and has some health problems, so Liana’s salary is just enough for her mother’s care and for their everyday needs. Liana has a dream of repairing her flat to make it brighter and more comfortable for their small family, but it is impossible to spend so much at this moment.
Liana is hoping to get this loan in order to start the repairing of her flat, since the conditions with which they live now are far from being pleasant and comfortable.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Armenia

  • $6,300
    Average annual income
  • 99
    View loans »
    Armenia Loans Fundraising
  • $16,723,925
    Funds lent in using Kiva
  • 413.1
    Armenia Drams (AMD) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Liana to start repairing her flat, since the conditions in which they live now are far from being pleasant and comfortable.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 15, 2014
Jun 13, 2014
Currency Exchange Loss:
Dec 17, 2015