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Rubina's Group
In this Group: Rubina, Sadia
Rubina lives in Lahore, Pakistan with her family which consists of her husband and their six children. She is a housewife while her husband is a tailor by profession. He stitches a variety of bags and sells them in the market. This is the only source of income for his family. Her husband needs to purchase rexine (artificial leather) for making bags but, due to a lack of funds, finds it difficult. Therefore, as a member of a two-person lending group, Rubina has requested a loan from Kiva's partner BRAC Pakistan to purchase rexine for her husband's work. She hopes that with the anticipated profits, she will purchase an auto rickshaw for her son so that he can generate income, too. Rubina is feeling very happy and thankful to Kiva lenders.

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
  • 271
    View loans »
    Pakistan Loans Fundraising
  • $17,631,450
    Funds lent in using Kiva
  • 99.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Rubina's Group's $825 loan helped a member to purchase rexine (artificial leather) for making bags.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jul 1, 2013
Currency Exchange Loss:
Apr 16, 2014