Zafar Iqbal Bhatti, a resident of Rawalpindi has been the bank’s deposit customer since 2014.

Formerly a government employee, Zafar decided to invest his retirement fund with U Bank. His savings account not only brought in a steady income for him but also helped him cover his monthly expenses as well as finance his daughter’s education.

Utilizing his earned profits prudently, Zafar has been able to launch and expand a successful construction business.

Zafar Iqbal Bhatti – Rawalpindi

Aziz-un-Nisa who lived in factory quarters in Rawalpindi, decided to set up an in-house snack shop seven years ago. Financial challenges landed her at U Bank’s branch to avail a loan.

Now in her fourth loan cycle, Aziz-un-Nisa has been able to grow her business by receiving the right help at the right time. Her decent daily profits allows her to fulfill her dream of affording quality education for her sons.

While it was her family’s dire financial circumstances that led Aziz-un-Nisa to become economically active and support her husband in providing for the family, her entrepreneurial ambitions now knows no bound. Her ambition is to venture in to clothing business.

Aziz-un-Nisa – Rawalpindi

If it hadn’t been for U Bank’s microenterprise loan, Muhammad Shoaib’s entrepreneurial ambitions would never have become a reality. Currently in his third loan cycle with U Bank, Shoaib has been running a Dhabba in Haripur for nearly five years now.

While he had all the other ingredients in place, Shoaib had been strapped for cash to use as working capital and purchase the basic equipment and furniture necessary to turn his small restaurant into a success. It was this need that brought Shoaib to U Bank.

The sole breadwinner for his household, Shoaib has been able to overcome his financial difficulties and can provide for his family as his business grew with the help of U Bank financing facility. Today, the small dhaba has become a restaurant and has bigger plans for the future

Muhammad Shoaib – Haripur

Saima Izfar who hails from Rawalpindi, wanted to fulfill her lifelong dream of founding a school system. The help that she needed arrived in form of a loan from U Microfinance Bank. Before the loan, the financial barriers always acted as a roadblock for Saima.

Always passionate about giving back to the society, Saima started “Islamia Model School” five years ago and hasn’t looked back since. What started as a playgroup only institute, has now gone on to include classes up to the eighth grade and made education accessible by charging an affordable fee of 800 Pakistani rupees only. For Saima, this is only the beginning. Her dream is to shift this three-roomed school into a custom made school building that will provide the right environment for her students.

This School has become a family endeavor with Saima’s father, Zafar Ali, running an evening school program for students who can’t attend classes in the mornings. Currently Saima is in her fourth loan cycle with U Bank and intends for this banking relationship to grow with her business.

Saima Izfar – Rawalpindi

Sajida Bibi, one of U Bank’s earliest customers, has been using the loan products for the past five years. At the end of her first loan cycle, she was successfully able to buy two cows. Today she’s been able to expand her livestock business to include 6 cows and many goats. She has been engaged in breeding, selling and milking activities.

As the sole earner in her household, Sajida has been able to create gains for her family and not only has she been able to send her children to school, remodel her home but has also managed to afford sending her husband abroad for work. All this through the increased income and profit from her livestock business.

Sajida Bibi – Arifwala

 

When Saleem first applied to U Bank for a loan, he didn’t have any land. He only had a few animals in a rented pen and struggled financially. It was then that he started inquiring about the loan from a U Bank representative. Through his first loan he was able to buy, feed and later sell additional livestock.

Currently in his 4th loan cycle, Saleem has been able to grow his livestock business considerably. He has been able to enroll all three of his children in school.

For Saleem what has left the most impact, has been the level of cooperation, guidance and respect he encountered throughout his journey as a U Bank customer. He has gone on to recommend other people in need to the bank as well.

Muhammad Saleem – Ahmedpur East