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Shabana's Group
In this Group: Shabana, Gulam, Munafia, Yasmeen, Safeena, Mukhtiyar
Shabana is 30 years old and an active and diligent, married woman. She is a responsible mother of two sons, and she lives in Rawalpindi, Pakistan, with her family. Her husband is a hard-working taxi driver. She faced a really difficult time, because her husband's income is inadequate to provide for his family. So, to help her husband, Shabana initiated a hand-embroidery business in 2010, because she knew she had excellent embroidery skills. Her contribution to the family income is playing a vital role in fulfilling the needs of the family members. She serves her customers well and gets a lot of appreciation from them.

To continue her business and to respond to the increasing demand of customers, Shabana wants to purchase a variety of embroidery materials, like beads, hoops, and thread in various colors. To do that, she has requested a loan as a member of a six-person group, from Kiva’s partner, BRAC Pakistan. She dreams of providing the best education to her children, so from her profit she will put aside some savings, for their higher education expenses.

Note: In the picture, the borrower named Yasmeen is shown with her children (a daughter and a son). And Shabana is holding a pass book in her hands.

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
  • 472
    View loans »
    Pakistan Loans Fundraising
  • $15,107,750
    Funds lent in using Kiva
  • 96.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shabana's Group's $1,475 loan helped a member to purchase embroidery materials such as beads, hoops and thread in many colors, to continue developing her embroidery business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 5, 2012
Nov 8, 2012
Currency Exchange Loss:
Sep 17, 2013