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Kosar's Group
In this Group: Kosar, Fozia, Sahib, Rasheeda, Noureen, Fatima, Arzam
Kosar is a 50-year-old housewife. She lives with her husband, five daughters, and two sons in Punjab, Pakistan. Her husband and one son are laborers, while she has been running her own beauty salon since 2010. One daughter helps her in the business as well.


Kosar is a member of a seven-person lending group, and she has requested a loan from KIVA partner BRAC Pakistan. With the loan money, she wants to purchase some cosmetics like lipstick and beauty creams for the salon. As Eid-ul-Azah is near, she wants to increase her income by purchasing new cosmetics so that she can provide better services to more clients on this special occasion.


Kosar and her husband are very hopeful that the loan will be a lucky and productive one for their family. She is taking a third loan from BRAC, and she is very thankful to BRAC for helping her.

Additional Information

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 Pakistan

BRAC 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.

About Pakistan

  • $4,700
    Average annual income
  • 278
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 94.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kosar's Group's $1,650 loan helped a member to purchase cosmetics for her beauty salon.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 20, 2012
Listed
Sep 30, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 17, 2013