Help us reach more people in 2016!

Dear Kiva Lender,

Kiva facilitates loans to more than 4,000 borrowers every week, but since 100% of money lent on Kiva goes to funding loans we rely on donations from supporters like you to continue this important work. If every Kiva lender seeing this banner pitched in $25 for our Donation Drive, we'd hit our goal of $600,000 by Dec 31! Thanks for your continuing partnership in making the world a fairer place.

In service, Premal Shah, President,

Check out some available loans that are similar to this one!
Kalssom's Group
In this Group: Kalssom, Shamim, Kalsoom, Ruqiya, Atiya
Kalssom belongs to an ultra-poor family and has been feeding her seven children. There are only some earning persons who are contributing toward payment of household expenses; her three sons do nothing.

Kalssom has been saving for many years to buy new auto rickshaw for her son, but most of the savings were spent on an operation on her eyes.
Now she wants to buy a new auto rickshaw for one of these idle sons, but she does not have enough money left to buy one.

Therefore, Kalssom requested a loan so that she could buy a new rickshaw with the contribution of her remaining savings. She hopes that her son will drive the auto rickshaw with his full devotion and earn sufficient income.

Kalssom is a 45-year-old woman, living with her seven children and spouse in the area of Lahore, Pakistan.

Kalssom is very happy after taking this loan and says thank you to Kiva and its field partner BRAC Pakistan.

Note: Kalssom is representing herself by raising her hand.

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
  • 304
    View loans »
    Pakistan Loans Fundraising
  • $15,664,450
    Funds lent in using Kiva
  • 105.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kalssom's Group's $1,750 loan helped a member to buy new auto rickshaw to drive.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 27, 2013
Oct 8, 2013
Currency Exchange Loss:
Sep 3, 2014