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Kousar's Group
In this Group: Kousar, Shagufta
Kousar is 45 years old and the mother of four children. She lives in Lahore, Pakistan. She is a housewife and looks after her family at home. Her husband works in dairy products selling milk, curd and butter. He owns a small dairy farm consisting of buffaloes and cows. He sells milk daily to different tea stalls. He is an honest man. He manages his household necessities with his earnings from milk sales. He speaks with monotonous tone, which is impressive, and he easily wins the trust of his clients. He was in need of one buffalo to increase his income so Kousar applied for loan. In this way she can support her husband's business. She thanks to Kiva and 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
  • 337
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 98.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kousar's Group's $575 loan helped a member to buy a buffalo for milk.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 10, 2014
Apr 2, 2014
Currency Exchange Loss:
Feb 21, 2015