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Zubaida Muhammad Khalil Group
In this Group: Zubaida , Shahnaz , Zubaida , Ayesha , Kaniz Fatima
Zubaida baji is a daily wage laborer. She works with her husband who is a mason by profession. He constructs buildings and she provides the required material to him. They are a very hardworking couple. Zubaida baji is applying for a loan to buy mason tools for her husband’s business.

She is the group leader of four other women from her locality. Shahnaz baji wants a loan to buy seasonal fruits to sell. Zubaida baji wants a loan to buy animals (goats) for her animal selling business. Ayesha baji wants a loan to buy a buffalo for her milk selling business. Kaniz Fatima baji wants a loan to buy clothes 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 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
  • 207
    View loans »
    Pakistan Loans Fundraising
  • $17,686,425
    Funds lent in using Kiva
  • 80.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zubaida Muhammad Khalil Group's $625 loan helped a member to buy mason tools.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 29, 2009
May 21, 2009
Currency Exchange Loss:
May 30, 2010