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Josphen
Josphen is a 50 years old responsible mother of five children. She lives in Rawalpindi Pakistan. Her husband is a government employee and three of her children are currently in school. Her husband’s income is not enough to meet the household and educational expenses of their children and they are facing many hurdles in life. Josphen has been helping her husband by working at her cloth business for the last three years. She has requested a loan from Kiva’s partner BRAC Pakistan to expand her business. The main purpose of the loan is to buy new varieties of cloth at a cheaper rate and then sell it for a profit. In the future she is looking forward to opening a small boutique in the market. With the profit she will pay the educational expenses of her children and save some money. She has a bright vision and this loan will help her to 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

  • $3,004
    Average annual income
  • 155
    View loans »
    Pakistan Loans Fundraising
  • $13,439,025
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Josphen to buy new varieties of cloth to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 20, 2013
Listed
Apr 8, 2013
Currency Exchange Loss:
Possible
Ended:
Feb 17, 2014