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Rubina's Group
In this Group: Rubina, Saira, Humaira, Perveen, Alvina
Rubina is a 44-year-old married woman and the responsible mother of two sons and four daughters. She lives in Rawalpindi, Pakistan. She is an independent and hardworking woman. Her husband is doing a private job.

For the last 22 years, Rubina has been in the garment business. She purchases garments from different areas and sells them in the market nearby. With her little income she helps her husband to meet the family needs and the costs of their children's education. Presently Rubina needs to purchase a variety of garments for her business. For that she has requested a loan from Kiva's partner BRAC Pakistan. Purchasing more garments will allow her to expand her business. She is hopeful that the loan will be productive for her small business and family.

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

  • $3,004
    Average annual income
  • 211
    View loans »
    Pakistan Loans Fundraising
  • $13,141,000
    Funds lent in using Kiva
  • 97.7
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A portion of Rubina's Group's $875 loan helped a member to purchase a variety of garments to sell.
99% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 11, 2013
Jan 21, 2013
Currency Exchange Loss:
Nov 17, 2013