Sugran Rafiq Masih's Group

Sugran Baji is married to Rafiq Masih and lives in Kot Radha Kishan, a small town near the city of Kasur, Pakistan. She owns a two-room brick house, in which she has been living for the last 25 years. Sugran Baji has five children: a son and four daughters. Her eldest daughter has completed five years of education and is now working in a factory. The other children stay at home and help with household work. Sugran Baji’s husband owns a brick-sales business, while Sugran Baji herself is a housewife, taking care of the household and the family. She is now applying for a loan to buy an additional amount of bricks for her husband’s brick-sales business.

She is borrowing together with a group of other women: Irshad Baji, Shabnam Baji, and Nazia Baji each need a loan to buy bricks for re-sale; Rashida Baji is borrowing to buy groceries for her grocery store, while Safia Baji and Majidan Baji each need a loan to buy a buffalo for their milk-sales businesses.

This is a group loan. The loan funds will be distributed among the group members, each of whom will invest in her own business. The members mutually guarantee one another's loans. If one member does not repay, the other members are equally responsible.



About Group Loans
In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Learn more

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