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Irshad's Group
In this Group: Irshad , Zubaida
Basic Information: Irshad is 38; she is married and lives with her husband and three children in the area of Lahore, Pakistan.
Family Financial Condition: Her husband does grocery work in a mill at very low wages; her children are young and fully dependent upon their parents. She does not have any other source of income, so she conducts a tailoring business at home.
About Tailoring Work: She purchases cloth at cheap prices and sews the garments, and her husband sells them in the market. She has been doing this since 2009. Now she has experience and knows the cloth trade very well.
Need to take out a loan: She wants to use her clothing experience and wants to make more profit, but she is compelled to take out a loan by her poor financial condition. Therefore, she expressed an interest in taking out a loan from Kiva’s field partner BRAC Pakistan.
Hopes & Dreams: She hopes that she will use this loan in a positive way and that she can grow her business. Her dreams are to provide better facilities, improved living standards, and charming clothes to her children.

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
  • 240
    View loans »
    Pakistan Loans Fundraising
  • $17,631,450
    Funds lent in using Kiva
  • 103.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Irshad's Group's $600 loan helped a member to buy cloth to be used in sewing garments.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Aug 19, 2013
Aug 26, 2013
Currency Exchange Loss:
Jun 17, 2014