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M. Hanif
M. Hanif is 46, energetic and lives with his three children in Lahore, Pakistan. He supports a sibling as well; his father raised buffaloes and passed his herd on to his son. M. Hanif earns a living by selling milk in his community. He also produces yogurt and butter for his family's personal use. He has three buffaloes and milks them twice a day. He sells milk in front of his house and also sells by going door to door. He is single and responsible for all household expenses. His main challenges are a rapid increase in both inflation and in household expenses. M. Hanif requested a loan from Kiva’s field partner BRAC Pakistan to buy an additional buffalo so he has more milk to sell. He will use some of his profits to buy fodder. He hopes that his production will increase and that he can easily cope with inflation. M. Hanif thanks Kiva and its field partner, BRAC Pakistan, for their assistance.

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
  • 436
    View loans »
    Pakistan Loans Fundraising
  • $15,125,250
    Funds lent in using Kiva
  • 105.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped M. Hanif to buy an additional buffalo to make more milk.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 13, 2014
Jan 16, 2014
Currency Exchange Loss:
Feb 21, 2015