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Ashraf is a 44-year-old married man. He is the father of 3 sons and 3 daughters.
He is a very energetic, honest, and hardworking man. He performs all his duties regarding milk, yogurt, and butter selling very well. He gets fresh milk from a wholesaler for reselling as a retailer. He uses part of the unsold milk for making yogurt, butter, and cheese and for his family usage.

He is responsible for his children and sibling as well. His younger sister has been reaching the age of marriage. He has to arrange the dowry for her so that she can find respect in her husband’s house. He wants to grow his business to cope with the inflation and gather dowry for his sister.

Therefore, Ashraf requested a loan from Kiva’s field partner, BRAC Pakistan, so that he can buy more milk to get more income. Ashraf hopes that this loan will bring positive changes in the lives of his beloved family members. He wants to perform his duties well regarding his sibling.

Ashraf says thanks 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
  • 272
    View loans »
    Pakistan Loans Fundraising
  • $14,714,500
    Funds lent in using Kiva
  • 106.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Ashraf to buy fresh milk for reselling and producing yogurt and butter to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 3, 2013
Oct 27, 2013
Currency Exchange Loss:
Nov 17, 2014