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Waris is 52 years old, a hard-working man. He lives in Lahore, Pakistan. He is a father of six children, three daughters and three sons. He is a milk seller by trade which is the only source of income for the family. He has two buffaloes and he sells their milk in the market. He is a poor old person and he has to do a lot of hard work because he is the only earning member of the family.

Presently he wants to purchase one more buffalo to grow his business and to increase his net income and savings as well. However due to the lack of expenses he finds it difficult.

Therefore Waris has requested a loan in the amount of 100,000 PKR from Kiva's partner BRAC Pakistan, so that he can purchase a buffalo.

Waris is very thankful to Kiva and BRAC Pakistan.

Additional Information

More information about this loan

This loan is part of BRAC Pakistan's effort to provide credit to entrepreneurs seeking to expand their small businesses. These are individuals who have limited access to loans because their requests are too large for typical microfinance, and they lack the collateral to borrow from commercial banks. By funding this loan, you will enable a small business owner to provide new services and create new employment opportunities.

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
  • $15,642,300
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Waris to purchase a buffalo to sell its milk.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 14, 2013
May 23, 2013
Currency Exchange Loss:
Jun 17, 2014