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Fozia Muhammad Iftikhar Group
In this Group: Fozia , Safia , Kalsoom , Asia , Parveen
Fozia baji is a wife of M. I. who has lived in a city named Lahore, Pakistan, for the past 10 years. Lahore city is famous for its historical places and for Punjabi foods. She is a very lively person by nature. She never fights with anyone and keeps a smile on her face all the time. She is a seamstress and sews clothes for her neighbors to earn income. Her income gives her confidence to lead an independent life. She is married to M. I. who has been an auto-rickshaw (a local three-wheeled motor vehicle) driver for the past 3 years. He earns 350 to 400 pak rupees per day. Fozia baji is applying for a loan to repair his auto-rickshaw because repairing it has become essential.

She is the group leader of four other women from her locality. Safia baji and Kalsoom baji each want a loan to buy motorbikes for their bike rental businesses. Asia baji wants a loan to buy groceries for her grocery shop. Parveen baji wants a loan to buy electrical supplies (wires, switch boards and switches) for her electrical supplies 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.

Note: Fozia baji is seated in the center of the baji’s and is showing her work.

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
  • 360
    View loans »
    Pakistan Loans Fundraising
  • $15,727,225
    Funds lent in using Kiva
  • 81.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Fozia Muhammad Iftikhar Group's $1,300 loan helped a member to repair an auto-rickshaw (a local three-wheeled motor vehicle).
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 7, 2009
Jul 7, 2009
Currency Exchange Loss:
Jul 15, 2010