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Naseem's Group
In this Group: Naseem, Sajida, Zareena, Chan, Gulshan, Ashraf, Rashida, Nasreen, Zareena, Shabana
Naseem is a 40-year-old hard-working and independent woman who lives in Punjab, Pakistan with her husband, son, and daughter. Both of the children are students while her husband is a rickshaw driver whose income is insufficient to cover their household expenses.

Naseem herself has been running a beauty salon for two years. As a member of a 10-person lending group, she has requested a loan from Kiva's partner BRAC Pakistan to purchase cosmetic products like lipstick, facial creams, etc. as well as chairs for her salon. With the profits she will first pay back her loan to Kiva, and will put aside some savings for children's future.

Naseem dreams of opening a new beauty parlour and getting good profits from that. She wants to thank all the BRAC staff for being so co-operative. Note: In the picture, Naseem holds 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
  • 353
    View loans »
    Pakistan Loans Fundraising
  • $15,690,625
    Funds lent in using Kiva
  • 95.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Naseem's Group's $2,100 loan helped a member to purchase variety of cosmetic products and chairs for her beauty salon.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Nov 3, 2012
Currency Exchange Loss:
Aug 17, 2013