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Najma's Group
In this Group: Najma, Shagufta, Allah Rakhi, Hamidan, Sobia, Shagufta, Shahnaz
Najma comes from Faisalabad which is located in Punjab, Pakistan and is known for its textile industry. She has lived there in the area of Barkatpura with her family in a 2-room brick house for the past 20 years. She is married to I. who is 54 years old and doesn’t have a job.

Najma is a talented lady who operates a boutique business at her home. She is expert in preparing plain and also embroidered dresses. She displays her work at her boutique and also supplies clothes to different clothing shops in the market. She is the mother of three sons. Her eldest son works in a factory, and other two are drivers and provide transport services.

Najma has applied for a loan from Kiva partner Asasah for the expansion of her boutique business. With the loan, she will buy clothes and embroidery materials like beads, colored thread, etc to make larger quantity of clothes. She will also hire a worker who will assist her in completing her work. She is hopeful that her 5 years of business experience will help her in expanding her business on larger scale after the loan investment and her family will be able to have a better standard of life as a result.

She is a regular loan user of Asasah and this is her 2nd loan application. In the previous loan year, she established a good credit behavior and never missed any meeting.

Note: In the photo, the lady with her hand raised is Najma.

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
  • 456
    View loans »
    Pakistan Loans Fundraising
  • $15,084,775
    Funds lent in using Kiva
  • 85.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Najma's Group's $1,600 loan helped a member to buy clothes and embroidery material for boutique business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 17, 2011
Feb 21, 2011
Currency Exchange Loss:
Feb 15, 2012