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Shamshad's Group
In this Group: Shamshad , Zahida Parveen, Nusrat Almas, Rukhsana Bibi, Manzooran Bibi, Yasmeen Bibi, Zahida Parveen
Shamshad is a widow who started sewing clothes after the death of her husband to fulfill the basic needs of her family. She works for members of her community and fulfills their orders to earn profits. She is a very hardworking lady. Along with her sewing business, she also manages her household duties very well.

She has given birth to two sons. Her eldest son sells refrigerators, new and used, on installments, so those persons who can’t afford to pay the full amount buy from him on installments. Her youngest son has a cosmetics-sales business. Shamshad couldn’t provide her children an education due to poor financial conditions.

She has applied for a loan from Kiva partner Asasah to improve her eldest son’s business. With the loan, he will buy fridges to sell through his shop. He has solid experience in his business and handles a good clientele base. Shamshad hopes that an investment will bring better profits to him and will expand his business.

She is a regular loan user of Asasah, and this is her third loan application. In previous loan years, she proved herself as a responsible client who always paid her installments on time and never missed a single meeting.

She lives in Borewala, which is a small city in Punjab, Pakistan, known for its agriculture industry. She has been living there, in the small colony named Habib colony, in a two-room brick house with her family for the past 10 years.

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
  • 85.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shamshad's Group's $1,525 loan helped a member to buy fridges for selling on installments.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 21, 2011
Mar 25, 2011
Currency Exchange Loss:
Mar 15, 2012