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Um E Habiba's Group
In this Group: Um E Habiba, Misbah
Um e Habiba is a 33-year-old housewife. She lives with her husband and three children in Punjab, Pakistan.

Since 2007, her husband has had a general store and he works very hard to meet his family needs. He needs additional capital for the growth of his business. For that, his wife, Um e Habiba, as a member of two-person lending group, has requested a loan from Kiva's partner, BRAC Pakistan.

With the loan money, her husband will purchase salt, cooking oil, sugar, flour, rice, candies, bubbles, etc. for his general store, to satisfy his clients more professionally as well as to increase his savings, for the better future of his children.

Um e Habiba and her husband are very hopeful that the loan will be a lucky and productive one for their family. Um e Habiba is 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
  • 245
    View loans »
    Pakistan Loans Fundraising
  • $17,606,550
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Um E Habiba's Group's $425 loan helped a member to buy salt, cooking oil, sugar, flour, rice, candies, bubbles, etc. for her husband's store.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 3, 2013
Jun 13, 2013
Currency Exchange Loss:
Apr 16, 2014