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Ashrafi's Group
In this Group: Ashrafi, Razia, Zahida Parveen
Ashrafi is a resident of the mid-sized city of Riwind in Pakistan. She owns a small house with two rooms. She has been living in it with her family for over ten years. Her husband's name is M. A. and he is involved in a dairy business. He has a dairy cow from which he gets milk to sell to the local community. His income helps him to manage the financial expenses of the family.

On seeing the hard work and devotion of her husband, Ashrafi decided to share the financial burden with him and started sewing clothes three years ago. Originally she made her relatives use her to sew their clothes and, seeing the satisfactory results, they have now paid her and given her more of their clothes to sew. She also, now, receives orders from her neighbors and charges them Pak Rs. 100 to 150. Now they can both manage their financial expenses efficiently using their earnings.

Ashrafi is applying for a loan from Asasah to invest capital in her husband’s business so he can purchase another dairy cow and increases his profits.

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
  • 362
    View loans »
    Pakistan Loans Fundraising
  • $15,727,225
    Funds lent in using Kiva
  • 84.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ashrafi's Group's $950 loan helped a member to purchase another dairy cow to increase profit.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 13, 2010
May 19, 2010
Currency Exchange Loss:
May 15, 2011