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Azam is 27 years old and unmarried. He is a young and energetic person who lives in the area of Lahore, Pakistan. Azam recently started a business selling ready-made clothing. In fact, his father helped him start his new business and now he is earning a sufficient income for his family. His father is a retired government servant and hopes that Azam will be the next person to earn an income for family. His father has great expectations for him and Azam wants to fulfill these expectations. Azam devotes all of his time and concentration to his garment shop as it is the single source of income for his family. His shop is situated in the garment market where there is a lot of competition. Due to this competition, it is very difficult to convince customers to pay a high price which causes low sales and increased effort. Azam must maintain the latest designs, rates, and delightful cloth colors to sustain his sales. The winter season is about to start and Azam does not have sufficient savings to buy garments for winter season. If he becomes unable to replace his winter season garments with summer season it will highly affect his sales.

Azam is requesting a loan from the Kiva field partner BRAC Pakistan to buy winter garments to sell. He hopes that his loan will help him purchase the garments he desires in a timely manner to cope with the market competition and expand his income. Azam says thanks to Kiva lenders and to his field partner for this support.

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
  • 303
    View loans »
    Pakistan Loans Fundraising
  • $15,642,300
    Funds lent in using Kiva
  • 104.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Azam to buy garments to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 16, 2013
Sep 22, 2013
Currency Exchange Loss:
Oct 17, 2014