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Rubina Salamat's Group
In this Group: Rubina, Rani, Taji, Parveen
Rubina baji is the wife of Mr. S. and lives in a small area named Bund Road in the city of Lahore, Pakistan. She has a two-room brick house and has been living in it for the last six years. She is the mother of three children: two sons and one daughter. All of her children are enrolled in a local school in her neighborhood. Her husband is a driver by profession. He has been driving a rented auto-rickshaw (a local three-wheeled motor vehicle) for the last ten years. Rubina baji is a housewife and prefers to do household work and take care of her family. She is applying for a loan to buy her own auto-rickshaw.

Rubina baji is joined in her loan group by a few more members. Rani baji wants a loan to buy a sewing machine to sew clothes. Taji baji wants a loan to buy groceries for her grocery shop. Parveen baji wants a loan to repair an auto-rickshaw (a local three-wheeled motor vehicle).

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
  • 442
    View loans »
    Pakistan Loans Fundraising
  • $15,121,950
    Funds lent in using Kiva
  • 80.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Rubina Salamat's Group's $650 loan helped a member to buy an auto-rickshaw (a local three-wheeled motor vehicle).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 6, 2008
Oct 22, 2008
Currency Exchange Loss:
Mar 11, 2010