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Shamshad Khusi Muhammad's Group
In this Group: Shamshad, Musarat Parveen, Parveen, Bashiran, Rashidan, Saima, Syedan
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.

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
  • 242
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 85.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shamshad Khusi Muhammad's Group's $1,650 loan helped a member to buy ingredients for Punjabi food (Dahi Bhaley) business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 21, 2011
Feb 22, 2011
Currency Exchange Loss:
Feb 15, 2012