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Zobia's Group
In this Group: Zobia, Shakeela, Nagina
Zobia is the group leader of this three person lending group. She lives in a remote area of Lahore, Pakistan. She belongs to a poor family. She has a large family size with eight children. She is a responsible mother and always tries her best to provide better facilities to her children.

Her husband is the only earner in the family, and his net income is too low to meet the household needs. He owns a clothing business. He purchases clothing from different areas and sell it at his community market at a profitable price. His customers love the variety he offers.

Zobia has requested a loan from Kiva's partner BRAC Pakistan to help her husband. He will use the loan amount to purchase a variety of clothing to sell. Zobia will use profit amount for her children's educational needs as well as household expenses. She hopes that through this loan her husband will be able to work more efficiently. She feels very happy and relaxed after taking out the loan. She is thankful to all the BRAC Pakistan team and all Kiva lenders.

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
  • 361
    View loans »
    Pakistan Loans Fundraising
  • $15,695,200
    Funds lent in using Kiva
  • 102.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zobia's Group's $1,375 loan helped a member to purchase a variety of clothes to sell.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Aug 7, 2013
Aug 18, 2013
Currency Exchange Loss:
Jun 17, 2014