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M. Shafique
M. Shafique, aged forty, is an energetic man living in the area of Lahore, Pakistan. He has been doing this business for many years and getting a reasonable income for his family. He is responsible for his children, siblings and old parents. His father has grown old and does not do any job. His uses all efforts to provide comfort to his parents and younger brothers.

He is a milkman by profession. He sells milk and bull calf to the butcher. He has few buffalo; he gets milk two times in a day. He delivers milk in the market and door-to-door. For delivery purposes, he uses his motorbike. He loads milk cans on his bike and delivers them early in the morning. His customers like the fresh and delicious milk he delivers. His monthly net income is too low to meet the household needs. He has to afford the expense for fodder and the whole household expenses alone.

Therefore, M. Shafique requested from Kiva’s field partner, BRAC Pakistan, so that he would be able to buy an additional buffalo to get more milk to sell. With the profit amount, he can easily buy the fodder for his herd. M. Shafique wants to increase his herd by purchasing more cattle so that he could cherish his whole family in well manners. M. Shafique thanks Kiva and its field partner, BRAC Pakistan.

Additional Information

More information about this loan

This loan is part of BRAC Pakistan's effort to provide credit to entrepreneurs seeking to expand their small businesses. These are individuals who have limited access to loans because their requests are too large for typical microfinance, and they lack the collateral to borrow from commercial banks. By funding this loan, you will enable a small business owner to provide new services and create new employment opportunities.

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
  • 313
    View loans »
    Pakistan Loans Fundraising
  • $15,673,250
    Funds lent in using Kiva
  • 108.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,850 helped M. Shafique to buy an additional buffalo to get more milk to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 6, 2013
Dec 12, 2013
Currency Exchange Loss:
Dec 17, 2014