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Farm Credit Armenia UCO (Universal Credit Organization) is a commercial cooperative founded in 2007. It was created to provide accessible financial services to rural communities in Armenia, especially focusing on agriculture, agribusiness, SMEs (small and medium enterprises), and young or minority farmers. Farm Credit Armenia operates based on cooperative principles, meaning that its member-borrowers are also its owners and beneficiaries. The organization was initially supported by the U.S. Farm Credit System and the USDA. It offers various financial products, including agricultural loans, SME loans, and leasing services.