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Kalsoom's Group
In this Group: Kalsoom , Kalsoom, Najma Parven, Ghafooran
Kalsoom is an educated lady. She has completed her education to 12th standard and now performs her duty as a teacher in a school. She chose this work as a profession, because she loves teaching and her profession now helps her to financially support her family. She is the resident of Jaranwala, which is a small city of Punjab and famous for its agriculture industry in Pakistan. She lives in a 2 room brick house with her family. She moved here after her marriage. She is 33 years old and has no children yet. Her husband is a vegetable seller by profession and works in a vegetable market. Her father-in-law is also a working person in the family and is involved in a fruit selling business.

She has applied for a loan from Kiva partner, Asasah for her husband’s business. With the loan, her husband will buy fresh seasonal vegetables and increase his sales. She is hopeful that her husband’s business will develop by investing money in it.

She is a regular user of Asasah and this is her 2nd loan application. In her previous loan year, she established good credit behavior and never missed any meetings.

Note: “In the photo, the lady who holds a book (called Asasah Passbook) in her hands is Kalsoom”.

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
  • $17,407,625
    Funds lent in using Kiva
  • 85.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kalsoom's Group's $825 loan helped a member to buy seasonal vegetables for vegetable selling business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 13, 2010
Oct 25, 2010
Currency Exchange Loss:
Oct 15, 2011