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Gulnaz's Group
In this Group: Gulnaz, Shahida, Taj , Shazia, Salamat, Robina
Gulnaz is a 45-year-old hard-working woman. She lives in Pakistan with her husband, son, and 3 daughters. All of her children are students and her husband is an auto mechanic, but his income is inadequate to meet the house hold expenses and to fulfill his family's needs. They are passing through a really difficult time because with the meager salary of her husband it is really hard for her to pay for her children's educational expenses and to meet the house hold expenses as well.

Gulnaz is trying to contribute some amount to her family's income by providing embroidery services in her community. She has excellent embroidery skills and all of her clients appreciate her work. She wants to continue this small business but her stock of embroidery material is finished. Due to lack of money, she is unable to purchase more materials to continue her embroidery services. For that reason Gulnaz, as a member of 6-person lending group, has requested for a loan from Kiva's partner BRAC Pakistan to purchase embroidery materials like, threads of various colours, needles, clothes, etc. She dreams of giving her children a quality education and a good life.

Note: In the picture Gulnaz 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
  • 277
    View loans »
    Pakistan Loans Fundraising
  • $14,714,500
    Funds lent in using Kiva
  • 96.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulnaz's Group's $1,250 loan helped a member purchase embroidery materials.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Dec 1, 2012
Currency Exchange Loss:
Sep 17, 2013