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Ulfat's Group
In this Group: Ulfat, Mumtaz, Riffat, Zarina, Safyana
Ulfat is 45 years old and married with six children. All of them are getting their education from a local school. Her two elder sons operate a hosiery business along with their education to be able to afford their education fee.

Ulfat also makes shirt collars to order and earns a reasonable amount of income from her business. The earned income helps her pay utility bills. Besides her business, she carries out her responsibilities as a housewife very well.

Her husband operates a sanitary supplies business. He also offers his customers sanitary fitting services as well. He makes deals with different people who are looking for sanitary work for their homes.

Ulfat has applied for a loan from Kiva partner Asasah for the betterment of her collar-making business. With the loan, she will buy cloth and thread for making collars in larger quantity to be able to fill orders on time and earn more profit. She has been operating her business for the past three years and hopes it will improve further after the loan investment.

Note: In the photo, the lady raising her hand is Ulfat.

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
  • 428
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 85.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ulfat's Group's $1,075 loan helped a member to buy cloth & thread for shirt-collar-making business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 22, 2011
Jun 24, 2011
Currency Exchange Loss:
Jun 15, 2012