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Sakina's Group
In this Group: Sakina, Parveen, Bashiran, Muniran, Shahida
Sakina baji is the wife of J. H.. She lives in the small city of Chichawatni, Pakistan. She is the mother of nine children: seven sons and two daughters. Sakina's baji's elder son has a wood business. The next eldest son has a grocery shop. Her younger son is a daily wage laborer. Sakina baji and her daughters prefer to stay at home and do household work. Sakina baji successfully repaid her first loan from Asasah (a Pakistan microfinance institute). She invested the loan amount in her son's grocery shop. Now she is applying for a loan to buy groceries to diversify her son's grocery shop into a grocery store.

Sakina baji is joined in her loan group by four other members. Parveen baji wants a loan to buy shoes for her shoe selling business. Bashiran baji wants a loan to buy leather to resell. Muniran baji wants a loan to buy a donkey cart for loading. Shahida baji wants a loan to buy cosmetics to resell.

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
  • 429
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 74.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sakina's Group's $1,275 loan helped a member to buy groceries for grocery shop.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 15, 2008
Sep 1, 2008
Currency Exchange Loss:
Dec 2, 2009