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Shazia's Group
In this Group: Shazia, Nusrat, Zubaida, Naseem, Hussan Bano
Shazia baji is the wife of M. T. D.. She lives in Multan, Pakistan. She owns a two-room brick house and has been living in it for the last 5 years. She is the mother of one daughter and one son. Her daughter is 3 months old and her son is one year old. Shazia baji completed her education until the 10th standard grade. She runs a boutique independently. Her husband makes decorative scarves and sells them in the market. This is a very profitable business because Multan City is famous for its handmade items. Shazia baji successfully completed her first loan from Asasah (a microfinance institute of Pakistan). Now she is applying for a loan to buy material (thread, needles) to help expand her husband's business.

She is joined in her loan group by a few more members. Nusrat baji wants a loan to buy material for her decorative embroidery business. Zubaida baji wants a loan to buy more supplies (lentils, cooking oil) for her grocery shop. Naseem baji wants a loan to buy an auto-rickshaw (a local three-wheeled vehicle). Hussan Bano baji wants a loan to buy material for her decorative embroidery business.

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
  • 336
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 73.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shazia's Group's $850 loan helped a member to expand their businesses.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 12, 2008
Aug 29, 2008
Currency Exchange Loss:
Dec 2, 2009