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Arshad's Group
In this Group: Arshad, Musarrat
Arshad is 38 years old, living in the area of Lahore, Pakistan. She is the mother of six children. She is a very hard-working and honest lady. She has to do a lot of hard work to run her household expenses. She owns a small beauty parlor at home, and her husband owns a barbershop near his house. Both contribute their full income for household expenses.

Her children go to school in the morning and tuition in the evening. It is a challenge for them to afford the school and tuition fee, so both are doing a lot of hard work to run the set-up of their house. They always try to establish their businesses so that they can get maximum income.

Arshad requested a loan from Kiva’s field partner BRAC Pakistan; she will partially use this amount for her parlor and partially for the barbershop. She will buy cosmetic products such as facial cream, hair colors, and scissors, and her husband will buy instruments such as scissors, comb, shaving cream, and blades for his barbershop.

She hopes that through this amount, both would be able to enhance their business. She is very thankful to Kiva and its 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.

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
  • 268
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 104.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Arshad's Group's $975 loan helped a member to buy cosmetic products for the parlor and barbershop.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Aug 29, 2013
Sep 7, 2013
Currency Exchange Loss:
Jul 17, 2014