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Hanifan M.siddique Group
In this Group: Hanifan , Shamshad , Kosar , Marzina , Bashiran
"I am Hanifan, a 52-year-old widow. I am a citizen of Kot Radha Kishan, which is 24 km from Kasur, Pakistan. I come from a poor family, but I have never felt badly about it."

"My husband left me alone in this world. He died from a heart attack. I worked hard for my children. I worked as a sweeper for 5 years and then I started knitting clothes."

"I have four children: three sons and one daughter. My eldest son runs a food business. The others work in a factory. My daughter help me to knit clothes. I am transferring my skills to my daughter so that she will be able to knit clothes indepenedently."

Hanifan has successfully repaid her four previous loans from Asasah, a microfinance institute in Pakistan. Now she is applying for a loan to buy lentils, cooking oil and spices for her son's food business.

She is the group leader of a group of five women in her locality. Shamshad baji wants a loan to buy thread to make shawls. Kosar baji and Bashiran baji each want a loan to buy buffalos for their milk-selling businesses. Marzina baji wants a loan to buy an electric sewing machine for her decorative embroidery 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
  • 274
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 78.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Hanifan M.siddique Group's $1,125 loan helped a member to buy supplies for food-selling business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 29, 2008
Dec 26, 2008
Currency Exchange Loss:
Apr 20, 2010