Allah diwae is the wife of M. M. and they have lived for the last ten years in a two-room brick house in a city named Multan (famous for its shrines and sweetmeats) in Pakistan.
She is 54 years old but she is still very active and operates her decorative embroidery business. Her family supports her in her business. They all prepare the embroidered dresses and complete the orders of the customers, which generates income.
She became the breadwinner of her family after the death of her husband. She is a regular client of Asasah (a micro-finance institute in Pakistan). She has repaid her two loans to Asasah and now has applied for the third time to purchase the supplies she needs (colored thread, beads and fabrics) to expand her decorative 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.