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Mr. Arif is a 29-year-old man who lives with his family in Lahore, Pakistan. He is an active borrower of BRAC Pakistan. He belongs to a poor family. He is a father of three sons and two daughters. Two of his sons are working in a factory as labourers.

Arif makes clothes by purchasing rough and waste cotton. He purchases rough and scrap cotton, categorizes them and manufactures new cotton cloth. His work is very complicated and needs a lot of time and hard work. He loves his work.

He has requested a loan from Kiva's partner BRAC Pakistan to purchase cotton to manufacture cloth. He promises to pay back the loan on time. He wants to buy his own godown (warehouse) in the future to store sacks of multi-colour cotton.

He is thankful to BRAC Pakistan and Kiva lenders for great and kind support.

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.


About Pakistan

  • $4,700
    Average annual income
  • 331
    View loans »
    Pakistan Loans Fundraising
  • $16,524,375
    Funds lent in using Kiva
  • 100.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Arif to purchase scrap cotton to manufacture cloth.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 15, 2013
Jul 23, 2013
Currency Exchange Loss:
Sep 2, 2014