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Razia M.ramzan Group
In this Group: Razia , Qubra , Sheema , Shamim , Kalsoom
Razia baji is a widow. She has lived in a city famous for its shrines, Borewala, Pakistan, for the past 20 years. Razia baji is a very strong lady. She had totally lost hope after the death of her husband, but she was able to summon up her courage for her kids. She is the mother of four kids: two sons and two daughters. All of her kids are enrolled in a local school and are getting an education. Razia baji operates a vegetable selling business in the community and earns income to pay the school fees of her kids and manage her house. Her family feels proud of her. She is applying for a loan to buy vegetables to expand her business.

She is the group leader of four other women from her locality. Qubra baji wants a loan to buy leather to resell. Sheema baji wants a loan to buy clothes to sell. Shamim baji wants a loan to buy milk to sell. Kalsoom baji wants a loan to buy shoes for her shoe-selling business.

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 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
  • 354
    View loans »
    Pakistan Loans Fundraising
  • $15,690,625
    Funds lent in using Kiva
  • 79.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Razia M.ramzan Group's $850 loan helped a member to buy seasonal vegetables to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 28, 2009
May 15, 2009
Currency Exchange Loss:
Jun 1, 2010