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Salma's Group
In this Group: Salma , Sumera, Farah, Shazia
Salma is married to A. R., who operates a business selling Punjabi food. He has a breakfast stall in the market where he offers traditional Punjabi food such as Halwa puri (a combination of sweet halwa, spicy chick peas and hot crunchy puris) and Nan channey (made with chick peas) to his customers. He has a good name in the area for his food's quality and taste.

Salma is a housewife who stays at home and does her household work. She is the mother of 5 children, all of whom are enrolled in school and getting their education. Salma has applied for a loan from Kiva's partner Asasah to financially assist her husband in his food stall business. With the loan, he will buy chick peas, cooking oil, flour, spices, etc. in bulk to help him make large quantities of food to sell. He has been operating this business for over 6 years and Salma is confident that he will be able to improve his business with the help of a loan investment. Salma is a regular lender with Asasah and this is her 3rd loan application. In previous loan years, she maintained good credit behavior and never missed a meeting.

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
  • 244
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 85.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Salma's Group's $800 loan helped a member to buy required items for Punjabi food stall business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 15, 2010
Nov 16, 2010
Currency Exchange Loss:
Nov 15, 2011