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Hanifan M. Ayub Group
In this Group: Hanifan , Rani , Zakia , Lalan , Samina

Hanifan baji is a 50 year old married lady and resides in a city named Arifwala in Pakistan. She owns a two room brick house and has been living in it for the past 10 years. Her husband's name is M. A. and he is a daily wage labor. Hanifan baji has one son who is a driver by profession, driving a rented auto-rickshaw (a local three-wheeled motor vehicle). Hanifan baji also works with her husband. They both work hard for their son. She is applying for a loan to buy an auto-rickshaw along with money saved by her son.

She is the leader of a group with a few more women. Rani baji also wants a loan to buy an auto-rickshaw. Zakia baji wants a loan to buy meat to resell. Lalan baji wants a loan to buy chairs for her barber shop. Samina baji wants a loan to buy switches and wires for her electric 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 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
  • 333
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 78.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Hanifan M. Ayub Group's $1,025 loan helped a member to buy an auto-rickshaw.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 5, 2009
Dec 26, 2008
Currency Exchange Loss:
Apr 18, 2010