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M. Ashraf
Ashraf is 34 years old and lives in the Lahore area of Pakistan. He has been struggling to get a suitable job for many years but has not been able to find a single suitable job. He is an illiterate person and he is unable to do white-collar jobs. This is the reason he has not been able to get married.

Ashraf recently started a new business in which he sells mobile phones and phone accessories. He does not have capital to buy new expensive mobile phones of different brands. For expensive mobile phones, he first takes an order and then purchases the new mobile from the market for his customers. This is a lengthy procedure; he wants to buy expensive mobiles so that he can sell them on the spot. He also wants to offers accessories. But he does not have sufficient capital to buy new phones and accessories.

Therefore, Ashraf has requested a loan from Kiva’s field partner BRAC Pakistan so that he can buy mobile phones and accessories for his shop. Ashraf is hopeful that this business will work well and he will establish it soon so that he can earn income for his family. He will use the profit for a number of tasks such as establishing his shop, paying back the loan and saving money so that he can get married.

Ashraf is very thankful to Kiva and to its field partner 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.


About Pakistan

  • $4,700
    Average annual income
  • 442
    View loans »
    Pakistan Loans Fundraising
  • $15,121,950
    Funds lent in using Kiva
  • 104.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,450 helped M. Ashraf to buy mobile phones and accessories to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 12, 2013
Sep 19, 2013
Currency Exchange Loss:
Oct 17, 2014