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Nosheen's Group
In this Group: Nosheen , Shahnaz, Zakia, Rukhsana
Nosheen is married to M. A.. She operates a decorative embroidery business to support her family financially. She has been doing this work for the past 7 years and has a good number of clients in her community.

Nosheen's husband is a painter by profession and paints on houses and walls on order. It is very difficult for Nosheen to manage her household expenses but she never compromises on her children’s education. She has 3 children and all of them are studying.

Nosheen has applied for a loan from Kiva partner Asasah to improve her embroidery business. With this loan, she will buy embroidery materials such as beads, colored thread and tassels in bulk to fulfill larger orders and make more income. She is very hopeful that she will successfully be able to improve the financial condition of her business after the loan investment.

Nosheen is a regular loan user of Asasah's. This is her 2nd loan application. With the previous loan, she established good credit behavior and had never missed a meeting.

Nosheen lives in Multan, a big city in Pakistan known for its shrines and hot weather. She came here after her marriage and lives in a 2-room brick house in the area of Samejabad.

Note: In the photo, the lady with a raising hand is Nosheen.

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
  • 359
    View loans »
    Pakistan Loans Fundraising
  • $15,695,200
    Funds lent in using Kiva
  • 85.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Nosheen's Group's $800 loan helped a member to buy materials for embroidery business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 11, 2011
Jan 19, 2011
Currency Exchange Loss:
Jan 15, 2012