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Kalsoom Muhammad Hussain Group
In this Group: Kalsoom , Nasreen , Bashiran , Sakina

Kalsoom baji is the wife of M. H.. They have lived in a mid-size city Riwind, Pakistan for the past ten years. They are a very hardworking couple. Kalsoom baji prepares decorative embroidered dresses based on orders from the shops and Mr. H. makes artificial jewelry and sells it the jewelry shops.

Kalsoom baji is applying for a loan to buy beads, tools, and sketches for her husband’s jewelry making business. She is the leader of a group of three other women from her locality. Nasreen baji wants a loan to buy groceries for her grocery ssyore. Bashiran baji wants a loan to buy material beads, colored thread, and clothing for her embroidered clothing business. Sakina baji wants a loan to buy biscuit packs wholesale 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
  • 245
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 80.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kalsoom Muhammad Hussain Group's $1,200 loan helped a member to buy materials for her husband's jewelry business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 28, 2009
Jun 8, 2009
Currency Exchange Loss:
Jun 18, 2010