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Irshaad's Group
In this Group: Irshaad, Mehmooda Begum, Manzooran Bibi, Bushra Parveen, Abdia Parveen
Irshaad has applied for a loan from Kiva's partner, Asasah, to financially assist her son in his agriculture business. He works in the fields and grows different seasonal crops. With this loan, he will purchase fertilizers and seeds, etc., which will help him grow crops and earn good income. Irshaad is hopeful that her son, who has been operating this business for the past five years, will get the desired results from his work with the loan investment.

Irshaad is a very supportive lady. In order to financially assist her family, she sells milk. She has a buffalo at home whose milk she sells to clients in her community at a reasonable rate. Her buffalo produces 8-10 kg of milk per day and she sells 1 kg of milk at approximately 45 Pakistani rupees which is almost the same price in every city. Her earned income allows her to pay off the utilities and to manage the financial affairs of her family smoothly.

Irshaad has three other sons and three daughters. Her sons do different kinds of businesses and play their part for the financial survival of their family. Her daughters stay at home and help their mother in her daily works. Irshaad has been living in the city of Jaranwala for the past many years. Jaranwala is a small city in Punjab, Pakistan, known for its agricultural industry. She lives with her family in a two-room brick house.

Irshaad is a regular client of Asasah and this is her second loan application. In her previous loan year, she established good credit behavior and never missed a meeting.

In the photo, the lady with a book (an Asasah passbook) is Irshaad.

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
  • 268
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 85.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Irshaad's Group's $875 loan helped a member to buy fertilizer and seeds.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 19, 2011
Jan 23, 2011
Currency Exchange Loss:
Jan 15, 2012