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Salma Muhammad Saleem Group
In this Group: Salma , Akhtar Naheed, Samina Kosar , Kalsoom Akhtar , Hanifan
Salma Baji helps her husband by operating a sewing business. Her husband, M. S., sells mobile phones. He buys used sets and sells them to customers. He has been in this business for the past three years. Salma Baji is applying for a loan to buy more mobile phones for her husband’s business. She is seated second from the right, sewing clothes on her sewing machine.

This loan is for five people and the other members of the group are:
Akhtar Naheed Baji wants a loan to repair her sewing machine for sewing clothes.
Samina Kosar Baji wants a loan to buy cosmetics and a hair dryer for her parlor.
Kalsoom Akhtar Baji wants a loan to buy clothes for her tailoring center. Hanifan Baji wants a loan to buy medicines for her drug store.

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
  • 370
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 80.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Salma Muhammad Saleem Group's $1,000 loan helped a member to buy used mobile phones to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 7, 2009
Jul 3, 2009
Currency Exchange Loss:
Jul 15, 2010