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Shamim Rahmat Masih Group
In this Group: Shamim , Farzana , Shabana , Parveen , Fozia
Shamim baji is a 56-year-old married lady and has resided in a city called Borewala, Pakistan for the past 40 years. She couldn’t get an education because her parents couldn’t afford her education expenses. Her husband's name is R. M. and he is a wood seller by profession. He has been selling wood for the past 25 years.

Shamim baji also helps him in his wood-selling work. They divide the work hours between themselves. Shamim baji sells wood in the shop in the morning and her husband sells wood in the evening. Shamim baji is the mother of two sons. Her elder son runs a salon and the other has a mobile phone shop. Shamim baji successfully repaid her two loans from Asasah (a micro-finance institute in Pakistan). Now she is applying for a loan to buy more wood to expand her wood-selling business.

She is the group leader for some more women from her locality. Farzana baji and Shabana baji each want a loan to buy groceries for their grocery shop. Parveen baji wants a loan to buy wood to re-sell. Fozia baji wants a loan to buy seasonal fruit for her fruit-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
  • 374
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 79.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shamim Rahmat Masih Group's $975 loan helped a member to buy wood to re-sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 10, 2009
Feb 3, 2009
Currency Exchange Loss:
Apr 21, 2010