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Suraya's Group
In this Group: Suraya, Shabana, Balqees, Gull, Sidra, Imrana, Shazia, Naseem, Zubaida, Gull
Suraya is a 54-year-old housewife. She lives in Punjab, Pakistan, with her husband, three daughters and two sons. Two of her sons are doing jobs, one daughter is married and the second one is a student.

Since 2002, her husband has been running a general store and tiles shop. He works very hard to meet his family's needs. But for the last few months he hasn't been able to generate sufficient income from his general store business, so he wants to purchase some more materials like a photostat machine, paper reams, books, etc. It will greatly help him to generate a good income.

Suraya, as a member of a 10-person lending group, has requested a loan from Kiva partner BRAC Pakistan for that purpose. With the loan amount, her husband will purchase variety of goods for his general store to satisfy his clients more professionally as well as to increase his savings for the better future of his children. With the profit he will invest some amount in his tiles shop as well.

Suraya's husband is too old now, so she wants her sons to help their father in the business. She is very hopeful that the loan will be a lucky and productive one for them. She is very much thankful to Kiva.

Note: In the picture, Suraya is the one holding a passbook in her hand.

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
  • 295
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 95.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Suraya's Group's $2,100 loan helped a member to purchase material like a photostat machine, paper reams and books for her husband's general store.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 2, 2012
Oct 12, 2012
Currency Exchange Loss:
Aug 17, 2013