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Irfan, 24, is a young and energetic man living in the area of Lahore, Pakistan. He has worked in this business for many years and earns a reasonable income for his family. Since his brother and sisters are young and his father has grown old and does not work, Irfan provides comfort to his parents and younger siblings.

He is a milkman, by profession. Irfan sells milk to his hometown and bull calves to the butcher. He has four cows and he milks twice a day. He delivers the milk to his customers and collects payment on a monthly basis. Irfan plans to add a buffalo to his herd because they can provide more milk than a cow. A buffalo is also more expensive and he does not have enough savings.

Irfan requested a loan from Kiva’s field partner BRAC Pakistan, to buy one buffalo to increase his milk production. He also wants to maintain his cowshed.

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.

About Pakistan

  • $4,700
    Average annual income
  • 474
    View loans »
    Pakistan Loans Fundraising
  • $15,107,750
    Funds lent in using Kiva
  • 104.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Irfan to buy a buffalo to increase milk production and sales.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 6, 2013
Sep 13, 2013
Currency Exchange Loss:
Oct 17, 2014