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Neelam's Group
In this Group: Neelam, Rukiya
Neelam is a borrower of BRAC Pakistan and group leader of this two person group. She lives in Lahore, Pakistan. She has two sons. Her husband owns a general store and that is how he fulfills the family needs. He sells a variety of products like flour, detergent, milk, pulses [beans, nuts, peas], soaps, shampoo, rice, noodles, etc.

Currently, the stock of his shop is almost gone and he does not have enough savings to purchase more products. As this business is the only source of income for his family, it is therefore necessary to continue this work. That is why his wife, Neelam, has requested a Kiva loan from its field partner BRAC Pakistan, to help her husband to purchase a variety of products to sell in his general store. He will purchase flour, detergent, milk, pulses, soaps, and shampoo with the Kiva loan.

The loan amount would be very helpful to continue his business. Neelam wants to thank Kiva field partners and all staff of BRAC Pakistan for their kind help.

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
  • 311
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 103.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Neelam's Group's $550 loan helped a member to purchase a variety of products to sell in the general store.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 16, 2013
Aug 29, 2013
Currency Exchange Loss:
Jul 17, 2014