A loan of $1,650 helped a member to buy ingredients for Punjabi food (Dahi Bhaley) business.


Shamshad Khusi Muhammad's Group's story

Shamshad has lived in a small city in Punjab, Pakistan, called Kot Radha Kishen, for the past 12 years. Kot Radha Kishen is known for its dairy industry. Shamshad lives in a two-roomed brick house located in Rawal Jhangerh.

Her husband has a Punjabi food business. He sells Dahi Bhaley, which is a famous Punjabi dish made up of yogurt, potatoes and spices. He sells it from a four-wheeled cart which he takes around different streets in the city. Shamshad herself is a housewife who prefers to stay at home and carry out her household responsibilities. She is the mother of four sons. She is unable to provide them with an education due to financial constraints. Her elder son has a barber shop and the others stay at home.

Shamshad has applied for a loan from Kiva partner Asasah for her husband’s business. With the loan, he will buy ingredients such as spices, potatoes and yogurt etc. to make larger quantites of Dahi Bhaley, which will help him sell more and make more income.
He has been operating his business for ten years and Shamshad is hopeful that an investment will generate more profits and expand his business further.
She is a regular loan user of Asasah and this is her third loan application. In previous loan years, she has maintained good credit behavior and never missed a meeting.

Note: In the photo, the lady holding the book (an Asasah Passbook) is Shamshad.

In this group: Shamshad, Musarat Parveen, Parveen, Bashiran, Rashidan, Saima, Syedan


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