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Ashraf is a 39-year-old man, living in the area of Lahore, Pakistan. He owns a small crockery store, named “Usman Crockery Store”, in which he sells crockery items such as plates, dishes, cups, jars, glasses, jugs, mugs, and buckets
Ashraf is the father of five children and the single responsible person who has to feed them. He has only one source of income from which he has to afford all the expenses of utility bills, his children's school fees and household expenses. His house condition is not up to the mark for living.

Ashraf wants to construct his house: for this purpose, more earnings are required so that he can save some money for construction. He has requested a loan of Rs. 170,000 from Kiva’s field partner, BRAC Pakistan, so that he can increase his inventory of crockery as well as his earnings.

Ashraf hopes that he will be able to construct his house soon, so that his family members will live more comfortably. He is very thankful to Kiva’s field partner, BRAC Pakistan, because they showed him a ray of hope to fulfill his desires.

Additional Information

More information about this loan

This loan is part of BRAC Pakistan's effort to provide credit to entrepreneurs seeking to expand their small businesses. These are individuals who have limited access to loans because their requests are too large for typical microfinance, and they lack the collateral to borrow from commercial banks. By funding this loan, you will enable a small business owner to provide new services and create new employment opportunities.

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
  • 345
    View loans »
    Pakistan Loans Fundraising
  • $16,486,475
    Funds lent in using Kiva
  • 100.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,700 helped Ashraf to buy crockery to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 19, 2013
Jul 26, 2013
Currency Exchange Loss:
Sep 3, 2014