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Samina, age 45, and her husband have four children and live in Lahore. Her son has been running a cigarette and paan shop for many years near his house. The business is operating very well.

Due to customer demand, he wants to offer juices, soft drinks, and chilled drinks as well as cigarettes and paan. He does not want his store to be missing these popular products because he does not wish to disappoint any of his respected customers. He feels that his store should offer beverages that people consider necessary and consume regularly in their daily routines. In this way, he will successfully win the trust of his customers and increase his income as well.

Samina has therefore requested a loan from Kiva field partner Brac Pakistan, so that her son can buy juices, soft drinks, and chilled drinks as well as cigarettes and paan for his shop. She is very happy about this loan and is hopeful that her son will successfully fulfill demand for these essential items so that he can ensure customer satisfaction.

Samina is very thankful to Kiva and to 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
  • 226
    View loans »
    Pakistan Loans Fundraising
  • $17,707,650
    Funds lent in using Kiva
  • 98.7
    Pakistan Rupees (PKR) = $1 USD
A loan of $525 helped Samina to assist her son in buying juices, soft drinks, and chilled drinks as well as cigarettes and paan to offer for sale in his shop.
Repayment Term
11 months (Additional Information)
Repayment Schedule
May 14, 2014
Jun 2, 2014
Currency Exchange Loss:
Jul 2, 2014