Razia is married and supports her family financially by operating a dairy business. She sells milk to people in her community for a reasonable price.
Razia is very efficient and also performs her household tasks very well along with her business. She has given birth to a son and a daughter. Both are very young and are not of school going age yet. Her husband is a mason and constructs buildings and houses on order. He is known in his area for his skills and earns reasonably good profits.
Razia has applied for a loan from Kiva field partner Asasah to fund her dairy business. She plans to use the proceeds of this loan to buy another buffalo that will allow her to get larger quantities of milk and increase her income by selling it at a profit.
In the photo that accompanies this profile, Razia is the woman holding the Asasah Passbook.
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.