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Kalsoom Younas Farooq Group
In this Group: Kalsoom , Rukhsana, Razia Begum, Razian Bibi, Sofia
Kalsoom lives in a small city of Punjab province of Pakistan called Khanewal that is famous for its agriculture industry. She lives in a two-room brick house in an area named Railway Landy, with her husband and their 17-year-old son. Kalsoom moved to her house after her marriage to Y. F., who has a barber shop business. Kalsoom’s son left school after fifth grade. Now he stays at home, and Kalsoom prays that he will find suitable work soon and start contributing financially to the family.

Kalsoom is a housewife who works in the home. She has applied for a loan from Kiva partner Asasah to help her husband expand his barber shop business. With the loan, he will buy necessary items such as scissors, hair shampoo, and hair gels to offer better services to his customers. Kalsoom is hopeful that her husband, who started this business 5 years ago, will be able to improve his business with the help of this loan.

Kalsoom is a regular loan user of Asasah and this is her fifth loan application. She has maintained a good credit repayment history and never misses meetings. In this photo, Kalsoom is seen holding her passbook, the Asasah Passbook.

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
  • 283
    View loans »
    Pakistan Loans Fundraising
  • $17,386,950
    Funds lent in using Kiva
  • 85.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kalsoom Younas Farooq Group's $1,125 loan helped a member to buy items for barber shop business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 16, 2010
Nov 17, 2010
Currency Exchange Loss:
Nov 15, 2011