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Irshad Begum M. Sharif Group
In this Group: Irshad Begum , Sugran , Atharan , Maryam , Ashran
Irshad begum baji is 48 years old, married, and has resided in Borewala, Pakistan for the past 30 years. Growing up, she unfortunately could not attain education due to her family’s financial difficulties. She is currently married to M. S., a sweetmeat maker. He has owned his own store for the past 28 years. Irshad baji is the mother of four kids: three sons and one daughter. All of her kids are currently attending the local school, and one of her sons is memorizing the holy book “Quran-e-Pak”.

Irshad baji is a very responsible lady. She helps her husband at the family business, making sweetmeats. She has successfully repaid her first loan from Asasah (a microfinance institute of Pakistan). She is applying again for a loan to buy materials (sugar, cooking oil and dry fruits) to expand her husband’s sweetmeat business.

She joined her current loan group with several women in her local community, all of whom are seeking to expand their family businesses. Sugran baji wants a loan to buy clothes for her clothes selling business. Atharan baji wants a loan to expand her sweetmeat selling business. Maryam baji wants a loan to buy another buffalo for her milk selling business. Ashran baji wants a loan to drive an auto-rickshaw (a local three-wheeled motor vehicle).

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
  • 277
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 78.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Irshad Begum M. Sharif Group's $1,125 loan helped a member to buy material for sweetmeat selling business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 27, 2009
Jan 30, 2009
Currency Exchange Loss:
Apr 27, 2010