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Ramzana's Group
In this Group: Ramzana , Shamim Akhtar, Musarat Parveen, Rubina, Haleema, Waziran
Ramzana is a housewife who stays at home and does her household responsibilities. Her husband sells milk from his shop, which is located in the market. Ramzana is 33 years old and a mother of three children. Two of them are enrolled in a local school and getting their education. Ramzana wants to send her younger daughter to school. She is 10 years old, but Ramzana doesn’t have enough financial resources.

She wants to help her husband improve his business so she has applied for a loan from Kiva partner Asasah. With the loan, her husband will purchase milk in larger quantity, which will help him increase his sales and improve his income. He has been operating this business for the past 10 years and it is going reasonably well for him. Ramzana hopes that after the loan, it will further improve and she will be able to send her younger daughter to school.

She lives in a city called Arifwala, which is located in Punjab, Pakistan and known for its dairy industry. Her house contains three rooms and she moved here 10 years ago.

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
  • 272
    View loans »
    Pakistan Loans Fundraising
  • $14,717,025
    Funds lent in using Kiva
  • 85.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ramzana's Group's $1,375 loan helped a member to buy milk to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 10, 2011
May 16, 2011
Currency Exchange Loss:
May 16, 2012