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Gayane is 42 years old and she lives in Stepanavan city of the Lori region, Armenia. She is a pedagogue with 22 years of pedagogical experience. She graduated from the Yerevan State Pedagogical Institute. She is married and she has two children, both of whom are school-aged. Her husband works at the Stepanavan State Agricultural College as a lecturer. Now Gayane works at the school as a teacher of Armenian History. She also gives paid private courses at her flat and as she says, all her pupils pass the entrance examination successfully and with good results.

Gayane planned for a long time to do this purchase but she never managed to spend her saved money on anything other than her family needs, now this loan finally will help her to realize her plan to buy a computer and professional literature.

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
  • 169
    View loans »
    Armenia Loans Fundraising
  • $17,141,425
    Funds lent in using Kiva
  • 411.4
    Armenia Drams (AMD) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $1,100 helped Gayane to buy a computer and professional literature.
83% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 13, 2014
Aug 23, 2014
Currency Exchange Loss: