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Najma's Group
In this Group: Najma, Allah Rakhi, Nasreen, Sugran
Najma baji is a wife of N. A. and lives in a small city named Kasur, Pakistan. She has been living in this city with her family for the last 22 years. Her house is based in one room where she and two more family members live. Najma baji is a housewife but she makes thread and sells it in market to earn profit. Her husband has an electronics shop. Najma baji has one son, and he is 16 years old. She successfully completed her two loans from Asasah (a microfinance institute of Pakistan). Now she is applying for a loan to buy electronic supplies (washing machines, stoves) to expand her husband’s business.

She is joined in her loan group by a few more members. Allah Rakhi baji and Sugran baji each want a loan to buy thread to resell. Nasreen baji wants a loan to buy embroidery material (thread, cloth, and needles).

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
  • 250
    View loans »
    Pakistan Loans Fundraising
  • $14,728,150
    Funds lent in using Kiva
  • 75.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Najma's Group's $850 loan helped a member to buy electrical goods.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 17, 2008
Sep 3, 2008
Currency Exchange Loss:
Dec 2, 2009