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Gulnaz Group
In this Group: Gulnaz, Zahida, Amina
Gulnaz is a 55-year-old hardworking woman living in Rawalpindi, Pakistan, with her husband, two sons, and two daughters. Three of her children are currently studying in primary school. Her husband is an electrician. Due to their low income, they are facing many problems in life. It’s very difficult for Gulnaz to keep the education of her children continued because of the huge educational expenses.

Gulnaz is working hard to meet the family’s needs by stitching clothes. She has been operating her business very efficiently and honestly for the past 7 years. She is very experienced in the stitching and sewing of dresses, and her clients always appreciate her work.

Gulnaz, as a member of a three-person lending group, has requested a loan from Kiva’s partner BRAC Pakistan. With the loan amount, she will be purchasing a new sewing machine so that she can work more efficiently in the future, and her production will be increased. She can stitch more dresses in less time with a new machine. As she is living in a rented house with her family, she dreams to build her own house. She also desires to expand her business and provide quality education to her children. With the profit she is planning to open a tailoring centre for girls. Gulnaz and her family are very thankful to both BRAC Pakistan and Kiva for their support.

Note: In the picture, Gulnaz is raising 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
  • 346
    View loans »
    Pakistan Loans Fundraising
  • $16,484,900
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulnaz Group's $525 loan helped a member to purchase a new sewing machine to stitch more dresses.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 26, 2013
Apr 8, 2013
Currency Exchange Loss:
Feb 17, 2014