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Zarmeen is a 32-year-old hardworking and diligent woman. She is living in Rawalpindi, Pakistan, with her husband, two daughters and one son. All the three children are studying in schools.

Her husband is a laborer and his income is insufficient to pay the school fees of the children and meet the household expenses. Zarmeen is helping her husband by selling milk, yogurt, and butter from her home to other people in the suburbs.

She has requested a loan from Kiva’s partner BRAC Pakistan. The main purpose of loan is that she would buy milk and other dairy products from the village in large quantity and then sell it in the city for a profit. With the profit amount, she would pay the school fee of her children and save some money for the future.

She dreams of having her own house. She wants to live a happy peaceful life with her family and this loan can fulfill her dreams. She is very thankful to BRAC Pakistan and Kiva for their support.

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.

About Pakistan

  • $4,700
    Average annual income
  • 298
    View loans »
    Pakistan Loans Fundraising
  • $15,664,450
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Zarmeen to purchase dairy products from the village to sell in the city.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 20, 2013
Apr 4, 2013
Currency Exchange Loss:
Jan 17, 2014