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Sakina's Group
In this Group: Sakina , Mukhtaran Bibi, Hamidan Bibi, Hafizan, Khalida Parveen, Allah Rakhi, Rasheeda Begum
Sakina, a resident of Kasur, a Pakistani city famous for its sweetmeats, is 51 years old, a mother of four daughters and three sons, and married to M. S., a laborer. Although he is a very hard worker, his job is not a permanent source of income because work is sporadic. To support him financially and to fulfill the basic needs of the family, Sakina started an embroidery business, taking orders from her nearby clients and completing them promptly to earn an income.

All of Sakina's children are illiterate because she couldn't afford to send them to school. She has, however, taught her art of embroidery to all of her sons, who now operate their own business from a rented shop in the market. They contribute to the family financially from their earnings, while her daughters are very young and stay at home.

Sakina has applied for a loan from Kiva partner Asasah for her embroidery business. With the loan, she will buy embroidery items such as clothes, beads, colored thread and sketches in bulk quantity that will enable her to complete orders on time and increase her income. A regular loan user of Asasah, this is her fourth loan application. In previous loan years, she has maintained good credit behavior and attended all meetings.

Note: In the photo, the lady holding a book (called Asasah Passbook) is Sakina.

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
  • 272
    View loans »
    Pakistan Loans Fundraising
  • $14,717,025
    Funds lent in using Kiva
  • 85.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sakina's Group's $1,650 loan helped a member to buy embroidery items in bulk quantity for embroidery business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Nov 1, 2010
Nov 2, 2010
Currency Exchange Loss:
Oct 15, 2011