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Humaira's Group
In this Group: Humaira, Shazia, Khursheed, Nazir
Humaira is a 39-year-old woman. She lives in Rawalpindi, Pakistan with her family. Her husband is a tailor and she is a mother of two children. Both of them are students.

Humaira is a very hardworking and independent woman. She is a decorator. She makes many things which are used in the decoration of weddings.

She is also an embroiderer and provides embroidery services in her community. She works very hard to provide for her family. She doesn't like to waste time, and she believes that time is money.

Presently she is in need of purchasing a variety of thread and clothing for her embroidery business. For that, Humaira, as a member of a four-person lending group, has requested a loan from Kiva's partner BRAC Pakistan.

Humaira hopes that the loan will be a productive one for her family. She is very much thankful to Kiva and BRAC Pakistan.

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
  • 299
    View loans »
    Pakistan Loans Fundraising
  • $15,664,450
    Funds lent in using Kiva
  • 97.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Humaira's Group's $775 loan helped a member to purchase a variety of thread and clothing for her embroidery business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 23, 2013
Feb 6, 2013
Currency Exchange Loss:
Jan 17, 2014