Check out some available loans that are similar to this one!
Gulnaz's Group
In this Group: Gulnaz, Aabida, Shamim, Azra, Amriya, Aziz-Un-Nisa
Gulnaz is a 48-year-old widow with 2 sons and 3 daughters. Her husband died of diabetes when her children were at an early age. Since then, she has been looking after her children and paying all household expenses alone by providing tailoring services in her community. She faced a very difficult time after the death of her husband. She recently had a uterus operation but she is still working with full delegation to provide for the family needs. She works 8 hours a day.
In spite of working full time, she takes care of all the housework and makes sure that she can fulfill all of her children's needs.

All of the income which comes from her tailoring business goes to the household expenses due to which she is unable to save any amount for her children’s future but she is very much thankful to Allah Almighty that she is having her own house to live in.

Her older son owns a small shop selling fried chicken at the corner of the street but his income is insufficient and the other one did matriculation*** and took some computer courses as well but he is jobless. Her one daughter did matriculation and got married and now has 2 sons, while the youngest one has recently completed (Bachelor of Commerce)

Gulnaz, as a member of this 6-person lending group, has requested a loan from Kiva partner BRAC Pakistan to purchase fabric and a separate sewing machine for her tailoring business since she currently has only one sewing machine which she uses for her tailoring business as well as for personal use.

Gulnaz hopes that the loan will be beneficial to them.

Note: In the picture Gulnaz holds a passbook in her hand.

***See this Wikipedia entry for a detailed explanation

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
  • 442
    View loans »
    Pakistan Loans Fundraising
  • $15,121,950
    Funds lent in using Kiva
  • 95.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulnaz's Group's $1,150 loan helped a member to purchase a new machine for her tailoring business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 7, 2012
Nov 18, 2012
Currency Exchange Loss:
Sep 17, 2013