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Ghzala Yasmeen Javed Iqbal Group
In this Group: Ghzala Yasmeen, Rubina Arshad, Anayat , Ruqaiya Bano
Ghzala Yasmeen baji has lived in Chichawatni, Pakistan for the last 15 years. Her husband, J. I., sells clothing. He buys clothes from the city Multan because the clothes are less expensive there, and he resells them in his native city. He also treks to different towns and communities to sell the clothes. Ghzala baji also sews clothes to pay off the utilities. She is applying for a loan to buy additional clothing to advance her husband’s business.

She is the leader of a group including three other women from her locality. The other members and their loan uses are as follows:

Rubina Arshad baji wants a loan to buy a sewing machine for sewing clothes.
Anayat baji wants a loan to buy a sewing machine for sewing clothes.
Ruqaiya Bano baji wants a loan to buy scrap for her scrap 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: Ghzala baji is showing her sewing machine in this photo.

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
  • 396
    View loans »
    Pakistan Loans Fundraising
  • $15,152,450
    Funds lent in using Kiva
  • 81.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ghzala Yasmeen Javed Iqbal Group's $925 loan helped a member to buy clothing to resell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 7, 2009
Jul 10, 2009
Currency Exchange Loss:
Jul 15, 2010