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Razia's Group
In this Group: Razia, Fatah Bibi, Sana, Fozia
Razia is an active lady, carrying out her responsibilities as a housewife and mother very well. She prefers to stay at home and take care of her family. She is a resident of Jaranwala, which is a small city located in the Punjab province of Pakistan and known for its agricultural industry. She has been living there with her family in a three-room brick house for the past 10 years. Her husband's name is M. S. and he is a scrap dealer. He supplies scrap to different factories and to other scrap dealers on demand and generates income for the family.

Razia has four sons and a daughter. Her eldest son left his education and started working. He is a bus conductor. The other two are enrolled in a local school getting their education.

Razia has applied for a loan from Kiva's partner, Asasah, for her husband who wants to buy scrap to fulfill the demands of his clients. With the loan, he will buy scrap such as used paper, plastic bottles, etc. He has been operating this business for the past many years and is well known among his clients for his good work. Razia hopes that an investment will bring positive financial changes to his business and will help her family to live a better financial life as a result.

Razia is a regular loan user of Asasah and this is her second loan application. In previous years, she has established good credit behavior and never missed any meeting. In the photo, the lady with a book (an Asasah passbook) is Razia.

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
  • 356
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 84.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Razia's Group's $675 loan helped a member to buy scrap for a scrap business.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 2, 2011
May 4, 2011
Currency Exchange Loss:
Apr 15, 2012