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Naseem's Group
In this Group: Naseem , Shamim Akhtar, Parveen, Razia, Shahida, Sajida
Naseem is a resident of a small city called Chichawatni in Pakistan. She is a 42-year-old lady who sells clothes to earn money for her family. Her husband has a cigarette shop in the market where he sells different brands of cigarettes to his customers.

Naseem is the mother of four sons and two daughters. All of them are getting an education. It is quite difficult for Naseem and her husband to afford their school fees which is why they work very hard.

Her husband wants to buy different brands of cigarettes to sell from his shop in hopes of making more income, which is why Naseem has applied for a loan from Asasah for this purpose. She is sure that her husband will be able to successfully upgrade his business by using his 15 years of experience in this business and make a positive use of this loan investment.

This is the first time she has applied for a loan from any MFI. She hopes that it will bring positive change to her husband’s business and her family’s living standard will be improved.

Note: In the picture, the lady who holds a book in her hand (called Asasah Passbook) in the first row, right corner is Naseem.

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
  • 271
    View loans »
    Pakistan Loans Fundraising
  • $17,386,950
    Funds lent in using Kiva
  • 85.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Naseem's Group's $1,000 loan helped a member to buy different brands of cigarettes for cigarette shop.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Sep 2, 2010
Sep 18, 2010
Currency Exchange Loss:
Aug 15, 2011