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Nighat's Group
In this Group: Nighat , Gulnaz, Sadiq, Huma, Irshad, Tahira
Nighat is a 26-year-old married woman who is living in Punjab, Pakistan, with her husband, son and daughter.
Since 2010 her husband has been running a vegetable shop in the market, which is the only source of income for their family. Her husband's income is not enough to run the household expenses therefore they are going through a very difficult time. With all this his vegetable stock is almost finished and because of financial constrain he is not able to purchase more vegetables.
To do that Nighat as a member of six person lending group has requested a loan from Kiva's partner BRAC Pakistan, to help her husband in purchasing a variety of vegetables for his vegetable shop. With the help of this loan amount, her husband will be able to increase his net income and continue his small vegetable business.
Nighat dreams of her children's bright future and prays for her husband's good health. She wants to say that BRAC is working very well in the field of micro-finance, and she is very thankful to BRAC Pakistan and Kiva for helping her.

Note: In the picture Nighat holds a pass book 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
  • 337
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 97.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Nighat's Group's $1,750 loan helped a member to purchase a variety of vegetables for her husband's vegetable shop.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 10, 2012
Dec 15, 2012
Currency Exchange Loss:
Oct 17, 2013