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Zaib's Group
In this Group: Zaib, Kosar Parveen, Irshad Ulfat, Amna Bibi, Samina
Zaib lives in Khanewal, which is a small city located in Punjab province of Pakistan known for its agriculture industry. She has been living in the area of Marzipura in a two-room brick house with her family for the past 15 years. She is married to M. N. who works for the Pakistan railway for a low income. To fulfill the basic needs of the family, and to financially assist her husband, Zaib does sewing and embroidery work for neighborhood clients. The money she earns helps pay the utility bills and cover other household expenses.

Zaib has applied for a loan from Kiva's partner, Asasah, to further improve her business. With this loan, she will purchase clothes and embroidery materials such as beads and colored thread to fulfill the orders of her customers on time and to increase her income. She has been in this business for the past five years and is very sure that an investment will definitely be helpful to her in improving her business.

Zaib is a regular loan user of Asasah and this is her second loan application. She has built a good credit record in the previous loan year and never missed any meeting. In the photo, the lady with a book (an Asasah passbook) is Zaib.

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
  • 317
    View loans »
    Pakistan Loans Fundraising
  • $15,642,300
    Funds lent in using Kiva
  • 84.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zaib's Group's $950 loan helped a member to buy clothes and embroidery material.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 6, 2011
Apr 11, 2011
Currency Exchange Loss:
Apr 15, 2012