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Shehnaz's Group
In this Group: Shehnaz, Samina, Razia
Shehnaz is a 53-year-old married woman, living with her family in the area of Lahore, Pakistan. Her son has been running a cosmetics store for 10 years and generates income for his family. He sells beauty products such as shampoo, lotions, creams, artificial jewelry, nail polish and ladies' undergarments.

Nowadays, demand for export quality products has increased, but due to the unavailability of export quality products, he has to refuse his customers. He does not have enough savings for the further investment into the current enterprise. In fact, his major generated income is spent on household expenses and his father’s medical expenses.

Therefore, Shehnaz has requested a loan for her son’s business to empower him for buying export quality cosmetic products. He hopes that now he can grow his business and can generate reasonable income. Shehnaz thanks Kiva and its field partner for this honorable support.

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
  • 382
    View loans »
    Pakistan Loans Fundraising
  • $16,478,525
    Funds lent in using Kiva
  • 100.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shehnaz's Group's $1,500 loan helped a member to buy export quality cosmetics for resale.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 21, 2014
Mar 12, 2014
Currency Exchange Loss:
Jan 17, 2015