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Zarina's Group
In this Group: Zarina, Sakina Mai, Asma, Naeema, Samia
Zarina is a 44-year-old married woman who lives in a city called Multan, Pakistan, famous for its shrines and sweetmeats. She owns a small house of two rooms where she lives with her seven children and her husband of over 20 years.

Zarina has five sons and two daughters: her elder son has a timber-selling business; next to him is a painter who paints walls and windows on call; the next two work in a factory on monthly wages; the youngest of her sons is free and doesn’t do anything; her daughters stay at home and help their mother in managing the household chores.

Zarina’s husband is named N. M. and he has a job in the government sector as a security guard but earns a low income.

Zarina herself owns and operates her sewing business. She does this work to share the financial burden of her husband and to make him relax from this aspect. Her care for him makes her unique and he respects her a lot.

Zarina has applied for a loan from Asasah for her elder son. With the loan, he will buy timber in bulk and increase his sales by selling to more customers. Zarina is a regular loan user of Asasah and this is her 3rd loan.

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
  • 273
    View loans »
    Pakistan Loans Fundraising
  • $14,714,900
    Funds lent in using Kiva
  • 85.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zarina's Group's $925 loan helped a member to purchase more timbers for her son's timber-selling business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 16, 2010
Aug 24, 2010
Currency Exchange Loss:
Aug 15, 2011