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Rubina is a 32-year-old married woman who lives with her family near Lahore, Pakistan. She is the mother of five children, three of whom go to school. One of her sons helps his father with raising cattle. Her husband is a cattle trader and does most of his trading within his home area. He breeds cattle in his yard and sells them at a local market. He has to feed each calf for one or two years until it is grown up and healthy, which is a very lengthy and expensive process. He wants to buy a heifer to continue breeding cattle, but he already invested his all savings to build a cowshed. Therefore, Rubina has applied for a loan from Kiva’s field partner Brac Pakistan, so her husband can buy bull calves and heifers for his cattle farming. Fetal diseases are the major challenge for him. He hopes that he will pay all the installments on time. With the profits he will buy fodder for his cattle and cures for diseases. Rubina is very pleased after receiving this loan and thankful to Kiva and 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.


About Pakistan

  • $4,700
    Average annual income
  • 359
    View loans »
    Pakistan Loans Fundraising
  • $15,695,200
    Funds lent in using Kiva
  • 99.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Rubina to buy bull calves and heifers for her husband's cattle farm.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 23, 2014
Aug 24, 2014
Currency Exchange Loss:
Jun 18, 2015