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Gulnaz's Group
In this Group: Gulnaz, Rehana
Gulnaz is a 53-year-old married woman and mother of five. She has been running a business of selling clothes for many years. She purchases a variety of clothes from the main city and then sells them to people in her vicinity. She has become famous for selling good-quality clothes in her community.

Gulnaz has requested a loan from Kiva’s field partner BRAC Pakistan to buy a stock of different clothes for the winter season, taking into account the choices and tastes of her customers. With this investment, she will be able to earn more income through greater sales.

She hopes to have a good experience with this new loan and wants to grow her business. She dreams of giving her children a good and quality education through all her hard efforts in her business.

Gulnaz gives 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.

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
  • 454
    View loans »
    Pakistan Loans Fundraising
  • $15,084,775
    Funds lent in using Kiva
  • 107.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulnaz's Group's $800 loan helped a member to buy a stock of different clothes for the winter season.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Oct 28, 2013
Nov 10, 2013
Currency Exchange Loss:
Sep 22, 2014