Helping 2 low income families in housing poverty



Helping 2 low income families living in Lori region, Armenia to overcome poverty housing and build homes as a basic human right by giving them no profit, no interest/inflation included long term mortgages. These families have no enough income to build their own homes, nor can qualify to take loans from banks. They live in metal containers for years and raised their kids in this condition. Avetikyan family of 5 lives in Yeghegnut village, and Ghazaryan family of 5 lives in Dsegh village.

What is the issue, problem, or challenge?

There are about 30,000 families without permanent shelter in Armenia. Some of the families started their houses but can’t finish as do not have enough funds. They live in metal shipping containers, or in damp basement or in one room of this unfinished house or with in laws in overcrowded homes. These families can't qualify and take loans from banks and with children they continue to live in substandard housing. It might take a whole generation to complete the house on their own.

How will this project solve this problem?

FCHA provides long-term, interest-free loans to low-income families to complete their half built houses, provides professional construction supervisors to manage the construction and involves local and international volunteers to build side by side with the partner families. In 7-20 years the families pay back the non interest no profit mortgage loans. Two volunteer groups worked with these families and try to help with raising funds to complete the homes.

Potential Long Term Impact

The monthly repayments from long-term, interest-free loans flow into the Revolving Fund and are used to help more families, thereby providing the financial foundation for a sustainable community development. Better houses will create better health. In new homes the families' health is in better shape, kids do better at school.

Funding Information

Total Funding Received to Date: $96

Funding Information

This project is now in implementation and no longer available for funding. Received funds will be used to accomplish concrete objectives as indicated in the project's "Activities" section. Updates will be posted under the "Project Report" tab as they become available.

Donors' contributions and pledges to this project totaled $96 .  The original project funding goal was $6,253.

Additional Documentation

This project has provided additional documentation in a Microsoft Excel file (projdoc.xls).


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Combined with other sources of funding, this project raised enough money to fund the outlined activities and is no longer accepting donations.

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Project Leader

Gohar Palyan

Yerevan, Armenia

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