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Nazia  Khalid Rafique Group
In this Group: Nazia, Shumaila , Razia , Shagufta
Nazia baji is the wife of K. R.. They have lived in Lahore, Pakistan for ten years. The city of Lahore is famous for its historical places and for Punajbi foods. Nazia baji is the mother of two children, one son and one daughter. Both of them are enrolled in school. Nazia baji and her husband made a commitment to themselves that they will give their children a better future, so they work really hard to fulfill their commitment. Her husband sells fruit from a cart by announcing his products in a loud voice in different areas, and Nazia baji embroiders dresses on order. She collects the orders from the cloth shop and gets money for her labor. Nazia baji is applying for a loan to buy materials, including beads and colored thread, for her decorative embroidery business.

She is the group leader of three other women from her locality. Shumaila baji wants a loan to buy scrap for her scrap business. Razia baji wants a loan to buy a sewing machine for her sewing business. Shagufta baji wants a loan to buy artificial jewelry to sell.

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 the others' 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
  • 274
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 80.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Nazia Khalid Rafique Group's $1,000 loan helped a member various, including buying embroidery supplies.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 7, 2009
Mar 28, 2009
Currency Exchange Loss:
May 28, 2010