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Anees Zulfiqar Ali Group
In this Group: Anees , Raseesa , Nazia , Raeesa , Shakeela
Anees baji has lived in Vehari, Pakistan for the past 10 years. Anees baji is an uneducated woman because she comes from a poor family and her parents couldn’t pay her educational expenses. Anees baji is married to Z. A., who delivers construction supplies from his cart, which he transports from one place to another. He has been doing this work for the past 5 years. Anees baji is applying for a loan to buy a new cart because his old cart has become rough.

She is the leader of a group of women in her locality. Raseesa baji wants a loan to buy lentils, cooking oil and spices for her food business. Nazia baji and Raeesa baji each want a loan to buy groceries for their grocery shops. Shakeela Rani 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
  • 414
    View loans »
    Pakistan Loans Fundraising
  • $15,144,625
    Funds lent in using Kiva
  • 79.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Anees Zulfiqar Ali Group's $775 loan helped a member to buy a new donkey cart.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 10, 2009
Feb 28, 2009
Currency Exchange Loss:
May 27, 2010