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Fazilat Muhammad Ashraf Group
In this Group: Fazilat , Bushra , Shamim Akhtar , Amna , Siddiqan
Bushra baji wants a loan to buy marble to sell. Shamim akhtar baji wants a loan to buy seasonal fruits to sell. Amna baji wants a loan to buy iron to sell. Siddiqan baji wants a loan to buy electric supplies (tube lights, switches and switchboards) to sell.

Fazilat baji is married to M. A.. They both are citizens of Lahore, Pakistan, where they have lived for the past 17 years. Lahore city is famous for its historical places and for its Punjabi foods. Her husband has a cycle-repairing business. He has been doing this work for the past three years. Fazilat baji makes decoration pieces and sells them at the market to earn income. She saves her income in a committee and uses it when needed. She is applying for a loan to buy tools for her husband’s cycle-repairing 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: Siddiqan baji is holding in her hand one of Fazilat baji's decoration pieces.

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
  • 334
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 80.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Fazilat Muhammad Ashraf Group's $1,175 loan helped a member to buy tools for cycle repairing business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 16, 2009
Jun 12, 2009
Currency Exchange Loss:
Jun 16, 2010