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Kosar Group
In this Group: Kosar, Zakia, Noreen, Nighat
Kosar is 36 years old, independent and a hardworking woman. She lives in Rawalpindi, Pakistan along with her husband and six children. Her husband, and two of her sons, are laborers.

Kosar and her family are facing a lot of problems in life due to the low monthly income. Kosar is a responsible woman and she is helping her husband to meet the household expenses, by selling bangles, bracelets and other ornamental items. She has five years of experience with this business. As a member of a four person group, she has requested a loan from Kiva’s partner BRAC Pakistan, so she can buy a variety of bangles, bracelets, key chains and necklace in large quantities.

She will expand her business from the profit and save some money for her children's marriage. She is very thankful to Kiva and BRAC Pakistan for helping them. NOTE: In picture Kosar is raising 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
  • 485
    View loans »
    Pakistan Loans Fundraising
  • $15,108,650
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kosar Group's $825 loan helped a member to purcahse ornamental items bracelets, bangles.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 28, 2013
Apr 10, 2013
Currency Exchange Loss:
Feb 17, 2014