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Anwar Akmal Masih Group
In this Group: Anwar Bibi, Zarqa , Asia Bibi, Shahnaz Bibi
Anwar baji is a 44-year-old woman who resides in Kasur, Pakistan, a city is famous for its sweetmeat. Her husband, A. M., is a blacksmith by profession. Anwar baji is the mother of seven children: two sons and five daughters. Her eldest son works with his father. Her eldest daughter helps her to embroider dresses. The others are enrolled in a local school in her neighborhood.

Anwar baji embroiders dresses and sells them in the clothing market. She has successfully repaid her three previous loans from Asasah, a microfinance institute in Pakistan. Now she is applying for a loan to buy iron to expand her husband’s business so that her husband will be able to make more iron rods and expand his business.

She is joined in her loan group by three more members. Zarqa baji and Asia baji each want a loan to buy leather to resell. Shahnaz baji wants a loan to buy a buffalo for her milk 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.

Note: "Baji," which means "older sister," is a term of respect for women in Pakistan.

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
  • 363
    View loans »
    Pakistan Loans Fundraising
  • $15,694,800
    Funds lent in using Kiva
  • 80.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Anwar Akmal Masih Group's $950 loan helped a member to buy iron for making iron rods.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 27, 2008
Nov 27, 2008
Currency Exchange Loss:
Mar 11, 2010