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Sonia's Group
In this Group: Sonia, Tehmina, Madeeha, Nasreen
Sonia is a 32-year-old woman living in Punjab, Pakistan with her husband and two sons. Her husband works for a private company and her sons are four and five years old, respectively.

Since 2010, she has been running a cosmetics shop by herself. She sells hair care products, skin products, creams, bleaching and whitening creams, hand lotions, manicure and pedicure products and a variety of other products in her shop. As customers' demand is increasing day by day, she is interested in buying more variety of cosmetics products for the shop.

For that reason, Sonia, as a member of a four-person lending group, has requested a loan from Kiva partner BRAC Pakistan. With the help of the loan, she will not only purchase a variety of products for the shop but she will also pay the shop rent and meet the household expenditure as well.

She is very thankful for BRAC and Kiva.

Note: The woman in red is Sonia.

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
  • 289
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 94.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sonia's Group's $650 loan helped a member to variety of purchase cosmetic products for her shop.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 25, 2012
Oct 8, 2012
Currency Exchange Loss:
Aug 17, 2013