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Khursheed Zulfiqar Masih Group
In this Group: Khursheed , Shamshad , Razia , Irshad Begum
Khursheed baji is a 55-year-old married mother of two who has lived in the city of Lahore, Pakistan for the past 35 years. Her husband is named Z. M. and he runs a small hotel in the community, where he also sells Punjabi foods. He has 6 years of experience in this business. Khursheed baji helps her husband by cooking Punjabi foods. And the hotel is known for its delicious foods! Khursheed baji has a son who earns income as an auto-rickshaw (a local three-wheeled motor vehicle) driver and her daughter currently studies in the 7th standard. Khursheed baji successfully repaid her first loan from Asasah (a microfinance institute of Pakistan) and now she is applying for another loan to replace the body of her son's auto-rickshaw (a local three-wheeled motor vehicle).

Khursheed baji is the leader for this group loan which includes three other women from her locality. The loan will be distributed among the group members, each of whom will invest in her own business. Shamshad baji will use the loan to buy religious books for her book shop, Razia baji needs a loan to repair the engine of her vehicle (named “Shahzore”), and Irshad begum baji plans to buy a welding machine. The members of a group loan mutually guarantee one another's loans. If one member does not repay, the other members are responsible.

Additional Information

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
  • 316
    View loans »
    Pakistan Loans Fundraising
  • $15,673,250
    Funds lent in using Kiva
  • 80.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Khursheed Zulfiqar Masih Group's $700 loan helped a member to replace the body of an auto-rickshaw (a local three-wheeled motor vehicle).
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 28, 2009
May 8, 2009
Currency Exchange Loss:
May 30, 2010