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Kaneez Begum M. Murad Group
In this Group: Kaneez Begum , Shamim, Naziran
Kaneez Begum Baji is 34 a year old lady who resides in a shrine city named Pakpattan, Pakistan. She has been living in this city for the past 20 years.

Her husband's name is M. M., and he has a clothes selling business. She is the mother of four children: two sons and two daughters. Her elder son helps his father in the clothes selling business. The others are enrolled in a local school in her neighborhood.

Kaneez Baji has a clothes sewing business. She earns 1500 Pak Rupees per month, which she saves to pay her children’s school fees. She has successfully repaid her first loan from Asasah (a microfinance institute of Pakistan). Now she is applying for a loan to buy more clothes to expand her husband’s clothes selling business.

She is a group leader of a few more members of her community. Shamim Baji and Naziran Baji each want a loan to buy clothes for their clothes 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 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
  • 271
    View loans »
    Pakistan Loans Fundraising
  • $14,718,825
    Funds lent in using Kiva
  • 80.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kaneez Begum M. Murad Group's $525 loan helped a member to buy more clothes for selling.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 23, 2008
Dec 17, 2008
Currency Exchange Loss:
Apr 15, 2010