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Erum Naz
Erum Naz is 29 years old and a hardworking and independent woman. She is living in Rawalpindi, Pakistan, with her husband and two sons, both of whom are studying in third class. Her husband is a security guard and his income is not enough to meet the household expenses. For 4 years, Erum Naz has been running a beauty salon, and she wants to purchase some more cosmetic products and chairs for her beauty salon.

For that reason, she has requested a loan from Kiva partner, BRAC Pakistan. On getting a profit, first of all she will repay the loan amount to Kiva and then she wants to build a new room onto the salon, as the space in the salon is much too congested now. She hopes that her business grows more and she is very thankful to both Brac and Kiva.

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
  • 337
    View loans »
    Pakistan Loans Fundraising
  • $15,677,475
    Funds lent in using Kiva
  • 108.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Erum Naz to purchase cosmetic products and chairs for her beauty salon.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 25, 2013
Dec 15, 2013
Currency Exchange Loss:
Oct 17, 2014