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Younis is 47. He is married and has to look after his five young children and old parents as well, but he hardly spends time with his family due to his business. He owns a spare parts shop in the area of Lahore, Pakistan; he sells spare parts for auto rickshaws. His shop is situated in the spare parts market and it is challenging for him to sell his products among his competitors, because in his area most of the people are likely to drive auto rickshaws by profession and need to replace depreciated parts from time to time. To cope with the competitors he has to maintain stock of each spare part so that he does not have to refuse any customers because the refusal of any demand makes a bad impression on customers and sales as well.

Nowadays, Younis is unable to buy inventory for his shop because he has been spending most of his income on household expenses. So he has requested a loan from Kiva field partner BRAC Pakistan so that he can buy all the important items including expensive and cheap spare parts. Younis is tension-free after taking this loan because BRAC showed him a beam of hope in the darkness. He 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.

About Pakistan

  • $4,700
    Average annual income
  • 206
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 106.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Younis to buy auto rickshaw spare parts to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 8, 2013
Oct 18, 2013
Currency Exchange Loss:
Nov 17, 2014