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Nasreen Arshad Masih Group
In this Group: Nasreen , Parveen , Shakeela , Saima , Hanifan
Nasreen baji, the wife of A. M., has lived in the mid-size city of Riwind, Pakistan for the past 10 years. She is not educated, because her parents couldn’t afford her educational expenses. Her husband drives a donkey cart that transports fruits and vegetables from one place to another. He has been in this business for the past 2 years. Nasreen baji is applying for a loan to buy a new donkey cart for her husband, because his old cart has become rough and rotted with wear.

Nasreen baji is the leader of a group of five women from her locality. Parveen baji, Shakeela baji, and Saima baji each want a loan to buy donkey carts for loading. Hanifan baji wants a loan to buy beads, colored thread and cloth for her decorative embroidery 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.

Note: "Baji," which means "older sister," is a term of respect for women in Pakistan.

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
  • 471
    View loans »
    Pakistan Loans Fundraising
  • $15,107,750
    Funds lent in using Kiva
  • 80.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Nasreen Arshad Masih Group's $1,075 loan helped a member to buy a new donkey cart.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 26, 2009
Jun 7, 2009
Currency Exchange Loss:
Jun 18, 2010