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Najma's Group
In this Group: Najma , Rasheeda, Nasra, Humaira
Najma is married to M. S. and operates a sewing business to share the financial burden with her husband. She started this business three years ago because her husband was not able to meet the basic needs of the family alone. Her husband is a private entrepreneur who sells fruit from his four-wheeled cart, visiting different areas of the community. Najma helps him by arranging the fruit on his cart early in the morning. She has given birth to two daughters and a son. Her daughters are studying while her son is 10 years old and stays at home. Najma lives in a small residential area of Multan known as Kher abad. Multan is a big city in Pakistan known for its shrines and hot weather. She has lived there in a two-room brick house for the past 15 years.

Najma has applied for a loan from Kiva partner Asasah to buy a new sewing machine which will help her finish orders on time and produce quality work. She is very hopeful that the investment will bring good results for her business and improve her profits. This is her first loan application to Asasah and she hopes it will result in a long-term relationship.

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
  • 247
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 85.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Najma's Group's $725 loan helped a member to buy a new sewing machine.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 11, 2011
Jan 19, 2011
Currency Exchange Loss:
Jan 15, 2012