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Farzana's Group
In this Group: Farzana, Bushra, Rubina
Farzana is a 42-year-old married woman who lives in the area of Lahore, Pakistan. She is the mother of six children and equally responsible for all of them.

She belongs to the category of the ultra-poor, which is why she cannot afford the educational expenses of all of her children. One of her sons helps his father in his business. Her husband owns a blacksmith shop. He provides welding services as well as door-to-door services to his customers.

Due to an increase in the prices of iron, he is unable to buy sufficient welding materials, such as iron rods, iron sheet, soldering rods and welding rods, to carry on his business. To fulfill customer demand and to run his enterprise, he needs capital to buy welding materials.

Farzana has requested a loan from Kiva’s field partner BRAC Pakistan for her husband to buy materials to carry on his business. She is very glad and thankful to Kiva and BRAC Pakistan.

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
  • 449
    View loans »
    Pakistan Loans Fundraising
  • $15,084,775
    Funds lent in using Kiva
  • 101.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Farzana's Group's $600 loan helped a member to buy iron rods, iron sheet, soldering rods, and welding rods for her husband's welding business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jul 18, 2013
Aug 5, 2013
Currency Exchange Loss:
May 17, 2014