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Rani's Group
In this Group: Rani, Sharifan, Safia, Hafizan, Zareena
Rani Baji is married to Mr. Khalil and lives in a small town called Kot Radha Kishan, loacted near the city of Kasur, Pakistan. Rani Baji owns a two-room brick house, in which she has been living for the last 10 years. She has three children: two sons and a daughter. None of her children go to school. Rani Baji’s husband runs a milk-sales business: he chose this profession 15 years ago, learning from his parents who are also involved in the dairy business. Rani Baji herself is a housewife, taking care of the household and the family. She has successfully re-paid her two previous loans from Asasah (a micro-finance institute in Pakistan). Now, she is applying for a new loan to buy an additional buffalo to expand her husband’s milk sales business.

Rani Baji is borrowing together with a few other people from the local community: Sharifan Baji, who needs a loan to buy bricks for sale, Safia Baji, who will use the loan money to buy milk cream to sell to grocery shops, Hafizan Baji, who wants to borrow to be able to buy a buffalo for her milk sales business, and Zareena Baji, who needs additional capital to buy groceries for her grocery shop.

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 held equally 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
  • 297
    View loans »
    Pakistan Loans Fundraising
  • $15,664,450
    Funds lent in using Kiva
  • 80.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Rani's Group's $1,050 loan helped a member purchase of a buffalo for a milk sales business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 11, 2008
Oct 27, 2008
Currency Exchange Loss:
Mar 11, 2010