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Imtiaz's Group
In this Group: Imtiaz , Naseem, Rukshana
Imtiaz lives in a mid-sized city called Vehari in Pakistan. She owns a two room house where she has lived with her family for over 15 years. A very talented lady, Imtiaz is involved in an artificial flower making and selling business. She makes artificial flowers and sells them in the market to different decorative shops to help her family financially. She learned this skill from her mother who was involved in the same work.

Her husband's name is A. D., who operates a PCO (public call office, where people make a call and pay the call charges) in the market where he offers his clients national and international calls at cheap rates. He also sells calling cards to his customers. They both share their earnings to meet the financial expenses of the family.

Imtiaz has applied for a loan from Kiva partner, Asasah, for her husband’s business. With the loan amount, her husband will buy telephone sets to offers his services to more people at a time and calling cards to sell to the customers. Imtiaz is hopeful that with the help of an investment her husband’s business will grow and his income will be increased.

This is a group loan. While each member of the group receives an individual loan, they are all collectively responsible for paying back the loans of their fellow group members if someone is delinquent or defaults.

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
  • 337
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 85.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Imtiaz's Group's $550 loan helped a member to buy telephone sets & calling cards for public calling office.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Sep 7, 2010
Sep 22, 2010
Currency Exchange Loss:
Sep 15, 2011