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Isma's Group
In this Group: Isma, Sehar
isma is a member of this two-person group. She is 36 years old. She lives in Rawalpindi, Pakistan, with her family. She is a mother of four children. She owns a small embroidery business, in her house. Her embroidered clothes are liked by everyone.

Presently her stock of embroidery materials is almost finished. Therefore, she is interested in purchasing a variety of embroidery materials, including colorful thread, beads, stones, needles and clothes. For that purpose Isma, as a member of this two-person group, has requested a loan from Kiva's partner, BRAC Pakistan. She is hopeful that the loan will be a productive one for her business.

With the profit amount, she wants to construct her own house. She hopes that she will earn enough profit to pay back the loan easily, as well as construct her house. She is feeling very happy after taking the loan, because this will help her to fulfill her needs.

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
  • 283
    View loans »
    Pakistan Loans Fundraising
  • $17,414,050
    Funds lent in using Kiva
  • 99.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Isma's Group's $575 loan helped a member to purchase embroidery materials.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 24, 2013
Jul 1, 2013
Currency Exchange Loss:
May 17, 2014