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Ghazala's Group
In this Group: Ghazala, Sarwar, Shameem, Razia, Razia
Ghazala is the mother of five sons and two daughters. Her eldest son is a dental expert who runs a dental clinic, while her remaining children are continuing their education. An embroidery expert, Ghazala prepares beautiful embroidered clothes for her clients and earns reasonable income every month.

Ghazala has applied for a loan from KIVA partner Asasah for further expansion of her embroidery business. With the loan, she will buy beads and embroidery thread in larger quantity and variety that will help her prepare even better looking clothes and increase her income.

Additional Information

More information about this loan

Asasah offers products that are customized for its Muslim clients. This Murabaha loan is structured as an interest free loan. Asasah purchases goods for its borrower and charges them a markup or fee. For more information on Islamic microfinance, please click here.

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
  • 363
    View loans »
    Pakistan Loans Fundraising
  • $15,695,200
    Funds lent in using Kiva
  • 94.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ghazala's Group's $900 loan helped a member to buy embroidery materials for her business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 23, 2012
Jul 26, 2012
Currency Exchange Loss:
Aug 8, 2013