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Shamem's Group
In this Group: Shamem, Rubina
Shamem is a vigorous 45-year-old lady who is the mother of three children. She has been stitching clothes for many years. Shamem stitches clothes for the people of her community and uses the income to support her entire family. However, due to a lack of funds, she is unable to meet the daily demands of her customers. Shamem is in her fifth loan cycle with a good credit history.

Shamem is requesting a loan from the Kiva field partner BRAC Pakistan to buy more spools of thread in different colors, along with the packs of laces, zippers, and buttons. Her loan will allow her to stitch up more dresses on time and to generate a healthier income.

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
  • 269
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 109.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shamem's Group's $600 loan helped a member to buy spools of threads in different colors, packs of laces, zippers, and buttons.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 29, 2013
Dec 5, 2013
Currency Exchange Loss:
Oct 17, 2014