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Fozia Nazir Ahmad Group
In this Group: Fozia , Zubaida , Tahira Bano , Allah Rakhi , Rashidan
Fozia baji, the wife of N. A. and lived in Borewala, Pakistan for the past 22 years. Fozia baji quit school after completing her 8th standard because she paid more attention to household chores than studies. Her husband runs a shop where he sells embroidery material (beads, laces and colored thread). He has a very good variety that attracts a large number of customers.

Fozia baji successfully repaid her two previous loans from Asasah, a microfinance institute of Pakistan. Now she is applying for a loan to buy more embroidered material to sell.

She is a the leader of a group of women in her locality. Zubaida baji wants a loan to buy fruit for her fruit business. Tahira bano wants a loan to buy clothes to sell. Allah Rakhi baji wants a loan to buy another motorbike for her motorbike rental business. Rashidan baji wants a loan to buy 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.

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
  • 365
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 79.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Fozia Nazir Ahmad Group's $1,175 loan helped a member to buy embroidered material to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 12, 2009
Feb 26, 2009
Currency Exchange Loss:
May 27, 2010