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Arif is a 37-year-old married man and the father of three sons. He is very energetic, an honest and hard-working man.

He performs all his duties regarding selling his milk very well. He gets up early in the morning for getting milk from buffaloes so that he can carry it to the urban area. He uses part of the unsold milk for making yogurt, butter, and cheese and for his family's usage.

Getting milk and then selling it into the market is not an easy work for a single person, but Arif does a lot of hard work for the sake of his family. He recently recruited two assistants, who help him in the completion of his daily tasks.

Inflation is increasing day by day, and his family's needs are, too. His children are growing older and now are going to a higher school. To cope with the inflation, to pay the salary of his assistants, and to meet the increments in his family's expenses, Arif wants to grow his business. So he decided to buy another buffalo so he can increase the milk production and supply. He loves his family and wants to provide them comfort at any cost.

Therefore, Arif has requested a loan from Kiva’s field partner, BRAC Pakistan, so he can buy a buffalo and get more milk to sell.

Arif hopes that this loan will bring positive changes in the lives of his beloved family members. Although he is doing hard and a little bit dirty work, he feels proud of his efforts for his family.

Arif says thank you to Kiva and to its field partner, BRAC Pakistan.

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
  • 208
    View loans »
    Pakistan Loans Fundraising
  • $17,686,425
    Funds lent in using Kiva
  • 105.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,400 helped Arif to buy a buffalo for getting milk to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 17, 2013
Sep 25, 2013
Currency Exchange Loss:
Oct 17, 2014