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Gulzar's Group
In this Group: Gulzar , Naseem Akhtar, Zahida Parveen
Gulzar belongs to a mid-sized city called Vehari, which is located in Punjab, Pakistan, and is known for its agricultural industry. She has been living in the area of 555/EB with her family in a two-room brick house for many years.

She is a housewife, staying at home to take care of her children and family. In her spare time, she sews clothes to supplement the income of her family. She mainly works for her neighboring clients and due to her quality work, they prefer to give her orders above other businesswomen of the community.

Her husband's name is A. S. and he runs a grocery shop in the market. He offers different grocery items that are used daily, such as rice, cooking oil, spices and lentils, etc., to his clients through his shop. His shop is located in a busy place, so in order to meet the requirements of his customers, he has to keep groceries in bulk every time in his grocery shop; otherwise, the customers will go to other grocery shops and that will affect his sales.

Therefore, Gulzar has applied for a loan for her husband’s business. With the loan amount, he will buy the groceries in bulk quantities, which enables him to fulfill the orders of his customers on a timely basis and makes his customers become regulars.

Gulzar is hopeful that this investment will bring positive changes to her husband’s business and he will be able to successfully fulfill the requirements of his customers and increase the household income as well.

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
  • 474
    View loans »
    Pakistan Loans Fundraising
  • $15,107,750
    Funds lent in using Kiva
  • 86.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Gulzar's Group's $625 loan helped a member to buy groceries in bulk quantities for the grocery shop.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Sep 20, 2010
Sep 29, 2010
Currency Exchange Loss:
Sep 15, 2011