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Zaib Muhammad Ramzan's Group
In this Group: Zaib , Akhtari Begum, Nafees Fatima, Hajra
Zaib lives in Khanewal, a small town located near the city of Multan, Pakistan. Khanewal is famous for its shrines. She lives in a two-roomed brick house with her family, and she moved here with her family 30 years ago. Zaib is 56 years old, married to M. R., and the mother of five children – three sons and two daughters. Her four children are receiving an education except her eldest son who completed his education until 10th standard and couldn't continue further studies due to financial constraints. He now works as a property dealer in a company.

Zaib's husband is a rickshaw driver. He has been in this business for the last five years and it enables him to manage his children's education expenses. His eldest son contributes financially to his family as well in order to keep things running smoothly. Zaib has applied for a loan from Kiva partner, Asasah, for her husband because he has problems driving his rickshaw. With the loan, he will repair its engine and give it a new look by replacing the old seat covers with new ones. Zaib thinks that a fully repaired rickshaw will allow her husband to work with more efficiency.

Zaib is a regular loan user of Asasah and is in her third loan cycle. In previous years, she has proved herself to be a responsible client who attended every meeting and paid her installments on time.

Note: In the picture, the lady who is raising her hand is Zaib.

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
  • 369
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 86.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zaib Muhammad Ramzan's Group's $825 loan helped a member to repair a rickshaw and replace the old seat covers.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 1, 2010
Sep 11, 2010
Currency Exchange Loss:
Aug 15, 2011