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Zareena M. Mushtaq Group
In this Group: Zareena , Bushra , Zubaida , Bashiran , Nasreen , Jeo
Zareena baji is a 45 years old married woman and resides in a city named Kot Radha Kishan which is 24 km away from the city of Kasur, Pakistan. Her husband name is M. M. who is a delivery man. He delivers fruit and vegetables from one place to another. She is the mother of nine children: five sons and four daughters. Her elder son works in a factory. The next is a tailor. The others are free and don’t do anything. Zareena baji keeps her daughters busy in embroidery. Her daughters make embroidered cloth and Zareena baji sells it in the cloth market. She successfully repaid her two loans from Asasah (a microfinance institution in Pakistan). Now she is applying for a loan to buy a donkey cart for her husband because the old one is wearing down.

She is a group leader of a few women. Bushra baji and Zubaida baji each want a loan to repair their vehicle named “Shahzore” for loading and transporting. Bashiran baji wants a loan to buy rice to resell. Nasreen baji wants a loan to buy vegetables for her vegetable selling business. Jeo baji wants a loan to buy a buffalo for her milk 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
  • 362
    View loans »
    Pakistan Loans Fundraising
  • $15,695,200
    Funds lent in using Kiva
  • 78.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zareena M. Mushtaq Group's $1,450 loan helped a member to buy a donkey cart.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 29, 2008
Dec 26, 2008
Currency Exchange Loss:
Apr 18, 2010