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Kaniza M. Ismail Group
In this Group: Kaniza , Gulshan , Rani , Parveen
Kaniza baji and her husband M. I. have lived in a city named Borewala in Pakistan for the past 15 years. Her husband has run a salon in the community for the past six years. Presently, he has two employees in his salon and he pays them bimonthly. Kaniza baji is applying for a loan to buy supplies (mirror, razors, creams and chairs) to give a new look to her husband’s salon.

She is the group leader of three other women from her locality. Gulshan baji and Parveen baji both want loans to buy an auto-rickshaw (a local three-wheeled motor vehicle). Rani baji wants a loan to buy groceries for her grocery shop.

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
  • 472
    View loans »
    Pakistan Loans Fundraising
  • $15,107,750
    Funds lent in using Kiva
  • 80.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kaniza M. Ismail Group's $1,000 loan helped a member to buy salon supplies.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 27, 2009
Mar 25, 2009
Currency Exchange Loss:
May 27, 2010