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Ramzana's Group
In this Group: Ramzana, Khursheed, Safia, Safia, Ayesha

Ramzana is the wife of S. A. and they have been living in Kasur, Pakistan for the last 30 years. She is the mother of three children, two daughters and one son. Her son is a laborer. Her two daughters make special order decorative embroidery. S. A., her husband, has a soft-drink business. Ramzana successfully completed her first loan from Asasah (a microfinance institute of Pakistan). Now she is applying for another loan for her husband’s soft-drink business.

She is joined in her loan group by a few more members. Khursheed baji wants a loan for her drink corner shop. Safia baji wants a loan to repair an auto-rickshaw. Safia baji wants a loan to buy masonry tools. Ayesha baji wants a loan to repair an auto-rickshaw. Baji is an Urdu term meaning 'elder sister' and signifying respect.

This is a group loan. The loan funds will be distributed among the group members, each of whom will invest in her own business. The members mutually guarantee one another's loans. If one member does not repay, the other members are responsible.

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
  • 274
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 69.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ramzana's Group's $1,150 loan helped a member to expand their businesses.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 5, 2008
Jul 27, 2008
Currency Exchange Loss:
Dec 2, 2009