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Najma is a 45-year-old married woman living in the area of Lahore, Pakistan. She is the mother of seven children.

She has taken a loan for her husband’s rickshaw. In fact, his rickshaw is in need of repair due to continuous work. He earns very low money, which is insufficient to meet his daily household expenses.

Najma belongs to a poor family. Her husband is an old man but he is contributing to the household expenses. Her three sons are doing jobs in different companies; they are also contributing to the household expenses.

Najma requested a loan from Kiva’s field partner, BRAC Pakistan, so that her husband can fix his rickshaw and drive it smoothly.

She wants marry of her daughter and is making savings. She hopes that this loan will affect her savings also.

Najma says thanks to Kiva and to 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.


About Pakistan

  • $4,700
    Average annual income
  • 213
    View loans »
    Pakistan Loans Fundraising
  • $17,693,750
    Funds lent in using Kiva
  • 106.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Najma to pay for the maintenance of her husband's auto rickshaw.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 25, 2013
Oct 5, 2013
Currency Exchange Loss:
Sep 3, 2014