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Lakhman's Group
In this Group: Lakhman, Nazia, Kheroon, Shagufta, Shagufta, Salma, Shamshad, Asma, Samira, Naheeda
Lakhman is a hardworking 48-year-old housewife. She lives with her husband, daughter, and 2 sons in Punjab, Pakistan. One of her sons is an auto mechanic while the other one is jobless and searching for a job. Since 2008, her husband has been running his own general store. He works very hard to meet his family's needs. He needs additional capital for the growth of his business so that he can increase his net income.

To help with that, Lakhman, as a member of 10-person lending group, has requested a loan from Kiva's partner, BRAC Pakistan. This loan amount will help her husband to purchase a variety of products like soap, shampoo, soft drinks, crockery, etc. for the general store. Stocking these goods will help satisfy the needs of his clients more professionally and increase his savings for his children's future. Lakhman and her husband are very hopeful that the loan will be a lucky and productive one for their family. She dreams of better and successful future for her children.

Note: In the picture, Lakhman is holding a pass book 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
  • 242
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 95.4
    Pakistan Rupees (PKR) = $1 USD
A portion of Lakhman's Group's $2,250 loan helped a member to purchase a variety of products for her husband's general store.
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 13, 2012
Nov 3, 2012
Currency Exchange Loss:
Dec 3, 2012