For that, as a member of a eight-person lending group, she has requested a loan from Kiva partner BRAC Pakistan to purchase some furniture (chairs, etc.) and some cosmetic products (lipstick, facial scrubs, beauty kits, etc.) for her beauty salon.
While running her business, she is also a very good and hardworking housewife. She has to look after both her children as well as her business. Her husband, children, neighbors, and clients always appreciate her hard work. Ghazala's biggest dream of life is to provide a quality education to her children. She is very much thankful to BRAC and Kiva.
Note: In the picture Ghazal holding her passbook while a borrower named Farhat is holding her younger son.
More information about this loan
BRAC Pakistan focuses its work in some of the most underdeveloped parts of Pakistan, characterized by poor infrastructure and high levels of poverty. By supporting this loan, you are enabling access to finance for borrowers living in some of Pakistan's poorest areas.
About BRAC PakistanBRAC Pakistan is a subsidiary of BRAC, one of the world’s largest development organizations with a focus on microfinance and economic empowerment. It offers micro-loans designed to help small businesses, very poor clients and others, in addition to health and education services. Kiva’s flexible, zero-interest capital will enable BRAC to expand its outreach in underserved regions and to women who have had no access to microfinance services.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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Success!! The loan was 100% repaid