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Saryat's Group
In this Group: Saryat, Zainab, Samira
Saryat is a 29-year-old woman. She lives in Rawalpindi, Pakistan. She is a mother of four children. Her husband’s salary is not enough to meet the household needs. Therefore, Saryat is running a small business to help her husband to generate some income.

Saryat purchases new shawls for reselling at a profitable price. She is a very hardworking woman. The variety of shawls she sells is liked by everyone. Currently, her stock of shawls is almost finished. Therefore, she is interested in purchasing a variety of products in different colors for her business. For that purpose, she has requested a loan from Kiva's partner, BRAC Pakistan. This will help her to increase her net income and savings for the future.

She will use the profit amount for the better education of her children. She is feeling very confident and satisfied after taking this loan because this amount will help her to manage the household expenses and to meet her children's education expenses.

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
  • 428
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Saryat's Group's $700 loan helped a member to purchase shawls.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 21, 2013
May 28, 2013
Currency Exchange Loss:
Apr 16, 2014