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Tahzeem's Group
In this Group: Tahzeem, Nazia, Khalida, Gulnaz, Gulam, Kousar
Tahzeem is a 36-year-old confident and independent woman. She lives in a rented house with her husband and daughter in the remote area of Rawalpindi, Pakistan. All of her children are students and her husband is a government employee, but his income is inadequate to fulfill the family's needs and the household expenses. Tahzeem is an efficient and hardworking tailor who has been running a small tailoring business in her home since 2009. She provides tailoring services in her community. All of her customers appreciate her efficient and excellent skills.

Tahzeem's income plays a vital role in the family's income so she wants to continue her work in the future. However, her tailoring stock is inadequate and her sewing machine has stopped working so she is unable to continue her business. Due to lack of money, Tahzeem is unable to purchase the required items for her business.

As a member of a 6-person lending group, Tahzeem has requested a loan from Kiva's partner, BRAC Pakistan, to purchase reels of threads in various colors, cloth, needles and one sewing machine. This will not only help her to continue her small business, but also to increase her net income. Tahzeem wants to use the profits to put aside some savings for her children's better future.

Note: In the picture Tahzeem holds 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
  • 237
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 97.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Tahzeem's Group's $1,250 loan helped a member to purchase tailoring materials and a sewing machine for her business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 7, 2012
Dec 13, 2012
Currency Exchange Loss:
Oct 17, 2013