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Ghazala's Group
In this Group: Ghazala, Samina, Shameem, Zubaida, Ruksana , Meena, Rehana
Ghazala is a 25-year-old, hardworking and independent woman. She is living in Punjab, Pakistan, with her husband and daughter, who is a student. Her husband has a small stationery shop and his income is not enough to meet the household expenses. For the last 3 months Ghazala has been running a beauty salon, and she wants to purchase more cosmetic products like makeup kits, facial creams, hair styling products etc. for her beauty salon.
For that reason, Ghazala as a member of seven-person lending group has requested a loan from Kiva's partner BRAC Pakistan. First of all she will repay the loan amount to Kiva and then she wants to build a new room in the salon, as the space in the salon is too congested. She hopes that her business grows more and she is very much thankful to both Brac and Kiva. Note: In the picture, Ghazala is carrying 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
  • 454
    View loans »
    Pakistan Loans Fundraising
  • $15,084,775
    Funds lent in using Kiva
  • 97.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ghazala's Group's $1,175 loan helped a member to purchase more cosmetic products like makeup kits, facial creams, hair styling products etc. for her beauty salon.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Dec 27, 2012
Dec 28, 2012
Currency Exchange Loss:
Nov 17, 2013