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Nazia M. Safdar Group
In this Group: Nazia , Bashiran , Fahmida , Mukhtar , Imtiaz

My name is Nazia and my husband's name is M. S., who is a worker in a cotton factory. I have two kids: one son and one daughter. My daughter is in kindergarten and my son is not old enough to attend school. I work in the decorative embroidery business, a skill that I learned from my mother. After marriage, I began this work because my husband’s salary was insufficient to meet household expenses. For the past 10 years I have owned a boutique where I display my own garment collection. Most of the people come to my boutique to purchase clothes. It is now the month of occasions such as Eid and Christmas and the demand for new clothes is high. I am requesting a loan to purchase more materials to make more embroidered dresses to display in my boutique.

I have some other women in my group. Bashiran baji is requesting a loan to buy clothes for her clothing business. Fahmida baji is requesting a loan to buy a sewing machine. Mukhtar baji is requesting a loan to buy washing powder for her laundry. Imtiaz baji is requesting a loan to buy bricks for her brick selling 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 each others loans. If one member does not repay, the other members are responsible for the repayment of the entire loan.

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
  • 361
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 80.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Nazia M. Safdar Group's $1,025 loan helped a member to buy material to make embroidered dresses.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 23, 2008
Dec 7, 2008
Currency Exchange Loss:
Apr 7, 2010