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Shehnaz's Group
In this Group: Shehnaz, Fouzia, Naseem, Kalsoom
Shehnaz is a 50-year-old married woman and a mother of four children -- two sons and two daughters. Her husband is a government employee. Both daughters are married, an elder son is a government employee, and the younger one is a taxi driver.

Since 2004 Shahnaz has been in the business of selling milk, which comes from her three buffaloes. She provides a valuable service in her community by selling milk to many of her neighbors. Her sons help her with her business, as does her husband.

As the winter season has started she wants to construct a small dairy farm consisting of two rooms outside of her house to protect the animals from the severe cold. However, due to the lack of finances she is unable to do this.

As a member of four-person lending group she has requested a loan from Kiva's partner BRAC Pakistan.

She hopes to get more profit from her small dairy business and desires to buy one cow from the profit amount in the future.

She is very much thankful to Kiva and BRAC Pakistan.

Note: In the picture Shahnaz holds 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
  • 224
    View loans »
    Pakistan Loans Fundraising
  • $17,650,250
    Funds lent in using Kiva
  • 95.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shehnaz's Group's $975 loan helped a member to construct a small dairy farm for her milk-selling business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 7, 2012
Dec 1, 2012
Currency Exchange Loss:
Sep 17, 2013