She has six children: three sons and three daughters. All of her kids are enrolled in school.
Her husband operates a wood-selling business in the community. He also goes to different areas on his donkey cart to deliver his customers' orders. He has been in this business for over ten years.
Nighat is applying for the first time for a loan from Asasah (a micro-finance institute in Pakistan) to purchase embroidery items in bulk (beads, colored threads, sketches and fabric) to expand her embroidery business.
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.
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Success!! The loan was 100% repaid