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Kashif is 30 years old, married and an energetic man living with his spouse and two children in the area of Lahore, Pakistan.

He is a milkman by profession. He sells milk, yogurt, butter and buttermilk over a shop near his community and earns a reasonable income for his family. He has been purchasing milk from the market and selling it as a retailer over his shop. Now his customers are complaining about the freshness of his milk. He wants to buy fresh milk from wholesalers instead of from the market but their price is higher than the market rates. He does not have enough cash on hand to buy fresh milk and does not want to compromise the quality as well
Therefore, Kashif requested a loan from Kiva’s field partner BRAC Pakistan to purchase fresh milk from the wholesalers to sell and to produce yogurt, cheese, butter and buttermilk. This is his second loan with Kiva. He has been using his previous loan to set up his milk shop, which worked positively. He hopes that this time the lenders will support him again and this loan will prove productive for his business as well.

He is very impressed with the Kiva loan cycle. He is thankful to the lenders because they provided a source of income for his family.

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
  • 345
    View loans »
    Pakistan Loans Fundraising
  • $16,486,475
    Funds lent in using Kiva
  • 105.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,425 helped Kashif to buy fresh milk for producing yogurt, cheese and butter to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 6, 2014
Feb 13, 2014
Currency Exchange Loss:
Feb 21, 2015