Hamlet Shmavonyan, a resident of Aratavan village in Ararat province of Armenia, believes that all problems are solvable, once people do their job. With the latest $2500 loan from ACBA-Credit Agricole Bank, he bought a land adjacent to his house, where he already built a pigsty, as well as two greenhouses to grow pinks, tulips and chrysanthemums. He also purchased fuelwood he uses to heat the greenhouses in winter.