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Walayat's Group
In this Group: Walayat , Saima , Jamila
Walayat is 46 years old and a married woman. She lives in Lahore, Pakistan. She is a mother of six children. Her husband is the only earning person in the family. He owns a spice shop which is the only source of income for the family. His monthly income is inadequate to meet the household needs.

Presently, he is in need of purchasing spices for his shop that include chili, ginger, cinnamon, parsley, thyme, cumin, rosemary, saffron, turmeric, and crushed red pepper flakes. However, due to the lack of funds, he finds it difficult. Therefore, Walayat as a member of a 3-person lending group has requested a loan from Kiva's partner BRAC Pakistan to purchase the needful things for her husband's shop.

Her husband's work depends upon electricity because he has to grind the spices for sale and there is a huge loadshedding issue (regular power outages) in the area. Walayat prays that this issue will soon resolve so that her husband can continue his work efficiently. She is very thankful to Kiva and BRAC Pakistan.

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
  • 214
    View loans »
    Pakistan Loans Fundraising
  • $17,686,425
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Walayat's Group's $1,025 loan helped a member to purchase a variety of spices to sell.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
May 22, 2013
May 28, 2013
Currency Exchange Loss:
Mar 17, 2014