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Samina's Group
In this Group: Samina, Ameer, Mukhtiar, Gul, Munawara, Razai , Shameem, Nasreen, Saima, Shamshad
Samina is a 40-year-old married and hardworking woman. She lives with her family in the remote area of Punjab, Pakistan. Her family consists of her husband and 3 daughters. All of her daughters are studying while the husband helps her with her business. Samina has a small business. She sells beauty products like perfumes, a variety of creams, manicure/pedicure products, etc. She believes that her business is doing well because she is very kind to her customers and offers them quality products. For that purpose, Samina, as a member of a 10-person lending group, has requested a loan from Kiva partner, BRAC Pakistan. With the profits she will pay her house rent and invest more in her sales business. She dreams for her business' growth and her children's good future. She wishes her best to Kiva.

Note: In the picture, Samina is holding a passbook in her hand.

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
  • 356
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 94.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Samina's Group's $2,225 loan helped a member to purchase a variety of cosmetic products to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 26, 2012
Oct 8, 2012
Currency Exchange Loss:
Aug 17, 2013