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Khalida is a 33-year-old woman living in the area of Lahore, Pakistan, with her family. Her whole family works in the same business, which involves packaging pieces of biscuits and then selling them in the market. Khalida's husband has a job in a biscuit factory. He buys cracked or small pieces of discarded biscuits at a very low rate. He brings these biscuits home to his wife. Khalida sorts according to size, quality, and type, and she categorizes the biscuits. Her daughter packs the cookies into polythene and then Khalida's husband sells the biscuits in the market. Each family member has different duties assigned to them for packaging the cookies.

Retailers like to buy these biscuits due to the low rates, and children also like to eat these biscuits. Shopkeepers have demanded more biscuits in order to increase their sales. For this reason, Khalida requested a loan of 40,000 Rs. from Kiva's field partner BRAC Pakistan. With this loan, Khalida will buy more biscuits so that she can meet the demand of the retailers.

Khalida is very thankful to Kiva's field partner, 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.

About Pakistan

  • $4,700
    Average annual income
  • 243
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 102.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Khalida to buy biscuits for resale.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Aug 7, 2013
Aug 17, 2013
Currency Exchange Loss:
Jun 17, 2014