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Najma Liaqat Ali's Group
In this Group: Najma , Musarat, Sajida
Najma is a resident of Borewala, a small city in Pakistan that is known for its shrines. She owns and operates an embroidery business from her home. She started making embroidered clothes for her neighbors three years ago and now she receives regular orders from them due to her good work. She is an expert in her art and knows different embroidery techniques, and this helps her to attract more customers. She does this work to supplement her family's income.

Her husband, L. A., is a driver by trade and drives a rickshaw that he rents. He provides transport facilities and charges according to the distance of the journey. At the end of the day, he has to pay half of his earnings to the rickshaw owner. For this reason he is unable to meet the financial expenses of his family. Therefore, Najma has applied for a loan from Kiva partner, Asasah, for her husband. With the loan, her husband will buy a rickshaw. This will enable him to improve his earnings. By owning his own rickshaw, L. A. will be able to drive it for long hours without the tension of paying rental costs and having to return it at the end of the day.

Note: In the picture, the lady who is raising her hand is Najma.

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
  • 343
    View loans »
    Pakistan Loans Fundraising
  • $16,490,375
    Funds lent in using Kiva
  • 86.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Najma Liaqat Ali's Group's $625 loan helped a member to buy a rickshaw for her husband.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Sep 15, 2010
Sep 27, 2010
Currency Exchange Loss:
Sep 15, 2011