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Farah's Group
In this Group: Farah , Saima, Tasleem, Shahida, Saima, Riffat
Farah is a 50-year-old widow with 2 daughters. Her husband died when her children were at an early age. Since then, she has been looking after her children and paying all the household expenses alone. Her elder daughter is married and the second one is a middle school student.

From the past 4 years she has been running her own beauty salon, which is the only source of income for the family. She faced a very difficult time after the death of her husband, but she still worked to provide for the family needs. She works 6 hours a day. In spite of working full time, she takes care of all the housework and makes sure that she can fulfill all of her children's needs. All of the income from her business goes to the household expenses; because of this, she is unable to save anything for her children’s future.

Currently, the stock of her beauty salon is low, and she wants to purchase makeup kits, facial creams, hair colors and other cosmetic products. However, due to financial constraints, she is facing some problems with purchasing the needed items.

Therefore, Farah as a member of this 6-person lending group, has requested a loan from Kiva's partner BRAC Pakistan to continue her beauty salon.

Farah hopes that the loan will be beneficial to them.

Note: In the picture Farah 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
  • 384
    View loans »
    Pakistan Loans Fundraising
  • $16,478,525
    Funds lent in using Kiva
  • 97.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Farah's Group's $1,300 loan helped a member to purchase makeup kits, facial creams, hair colors and other cosmetic products for her beauty salon.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 7, 2012
Dec 15, 2012
Currency Exchange Loss:
Oct 17, 2013