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Shamim's Group
In this Group: Shamim , Bilquis Bibi, Iqbal Bibi, Razia
Shamim is an optimistic lady who operates a business selling paper envelopes. She does this work to support her family financially. She receives orders from different shops in the market and fulfills their orders to make an income. She lives in Okara, which is located in Punjab, Pakistan, and is known for its dairy industry. She has lived there with her family in a two-room brick house the area of Sheikh basti for the past twelve years.

She is 43 years old and has five children. Her elder son has a job in a college and the second son has a construction supply business. Her remaining children are enrolled in school and getting their education. Her husband’s name is T., and he works in a medical clinic for a low income. His income was not enough for the whole family; that’s why Shamim started her business of selling paper envelopes.

Sharim has applied for a loan from the Kiva partner, Asasah, because she has a large order to fill. With the loan she will purchase paper envelopes in bulk that will help her to complete the orders on time and make extra income. She is hopeful that the loan money will prove to be beneficial for the improvement of her business, and that she will be able to manage the expenses of her home better.

She is a regular loan user of Asasah and this is her 3rd loan application. In previous loan years, she has maintained good credit behavior and never missed any 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
  • 247
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 85.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shamim's Group's $775 loan helped a member to buy paper envelopes for reselling.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 16, 2011
Feb 21, 2011
Currency Exchange Loss:
Feb 15, 2012