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Khursheed Muhammad Ramzan's Group
In this Group: Khursheed , Nasir Tabasum, Rubina, Allah Rakhi, Rushdan
Twenty-five years ago Khursheed M. R. moved to Kasur, a city located in Punjab and known for its leather industry in Pakistan. Then a few years ago she lost her husband to a sudden death, so she is now a widow. She lives in a two-room brick house with her family. She couldn’t send her children to school due to poor financial conditions, so she taught her daughters the art of embroidery, which they now do to earn money for the family. She also has a son who runs a grocery shop in the market from which he sells daily use items to his customers.

Khursheed’s children are very obedient and mind everything she says. They respect her very much and take care of her in the way she takes care of them. They like to give her every happiness in life so she never thinks about her loss.

Khursheed has applied for a loan, her fifth from Asasah, for her son’s grocery business. He has been in this business for the past ten years. With the loan he will buy grocery items such as rice, lentils, cooking oil and spices, etc. in bulk quantity for his shop. Khursheed is hopeful that this investment will yield a positive impact on her son’s business. She herself has responsibly paid her previous loan installments every year and attended every meeting.

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
  • 471
    View loans »
    Pakistan Loans Fundraising
  • $15,107,750
    Funds lent in using Kiva
  • 85.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Khursheed Muhammad Ramzan's Group's $1,000 loan helped a member to buy groceries in bulk for her son's grocery shop.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 12, 2010
Oct 23, 2010
Currency Exchange Loss:
Oct 15, 2011