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Saima Group
In this Group: Saima, Saima
Saima is a 35-year-old responsible married mother living in Rawalpindi, Pakistan, along with her husband and five children. Her husband is a government employee and three of her children are currently studying in schools. 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. Saima has been helping her husband by running a clothing business from her house for the past five 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 clothing at a cheaper rate and then sell them for a profit. In the future she is looking forward to opening a small boutique in the market. She will save some money from the profits and pay the educational expenses of her children. She has a bright vision and this loan could 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.

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
  • 305
    View loans »
    Pakistan Loans Fundraising
  • $15,673,250
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Saima Group's $375 loan helped a member to purchase new varieties of clothing to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 24, 2013
May 8, 2013
Currency Exchange Loss:
Mar 17, 2014