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Najma's Group
In this Group: Najma, Nasreen, Naseem , Zaitoon, Aksar, Azra , Shahida, Safia
Najma is a 42-year-old woman who is living in Punjab, Pakistan, with her husband, six sons and two daughters. Her husband is a heart patient and she always worries about his health.

For 16 years her husband has run a wood shop, which is the only source of income for their family. All of her sons are very hardworking and help their father in his business a lot.

As a member of an eight-person lending group that has requested a loan from Kiva partner Brac Pakistan, Najma will use her portion to help her husband in purchasing a wood machine and some wood material for his shop. As they have no other source of income, with the help of this loan, her husband will be able to continue his business, and with the net profit he will open a new shop for his son.

Najma dreams for her children's bright future and prays for her husband's good health. She wants to say that Brac is working very well in the field of micro finance, and she is very thankful to Brac and Kiva for helping her.

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
  • 308
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 94.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Najma's Group's $1,750 loan helped a member to purchase a wood machine and some wood material for her husband's wood shop.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 10, 2012
Sep 20, 2012
Currency Exchange Loss:
Jul 17, 2013