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Rukhsana Muhammad Amen Group
In this Group: Rukhsana , Zubaida , Rubina , Azharan
Rukhsana Baji is a wife of M. A., and for the past 15 years has been a citizen of Borewala, Pakistan, a city famous for its shrines. Her husband runs a construction supply business, and has been selling supplies to building contractors for over 3 years. Rukhsana Baji is applying for a loan to buy construction supplies to advance her husband’s business.

This is a group loan, and Rukhsana Baji is the group leader. The other three members are women from her area. Zubaida Baji wants a loan to buy materials (beads, colored thread and clothes) for preparing embroidered clothes. Rubina Baji wants to buy seasonal fruits to sell. Azharan Baji wants to buy materials (cooking oil, lentils and spices) for her food-selling business. 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: Rukhsana Baji is seated in a white shawl in this picture.

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
  • 272
    View loans »
    Pakistan Loans Fundraising
  • $17,407,625
    Funds lent in using Kiva
  • 81.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Rukhsana Muhammad Amen Group's $1,000 loan helped a member to buy construction supplies for resale.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 7, 2009
Jul 6, 2009
Currency Exchange Loss:
Jul 15, 2010