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Salma's Group
In this Group: Salma, Kubra, Mumtaz, Salma, Naseem
Salma belongs to a small city called Arifwala in Pakistan. Arifwala is known for its agriculture industry. She has been living there in a 2-room brick house for the past 10 years. She is married to A. G. and has three children. All of them are very young and studying in a local school. Salma is a housewife, staying at home and doing her household responsibilities.

Her husband has an animal-selling business. His business grows busier during the Muslim festival of Eid-ul-Azha because people purchase animals to slaughter. At other times he sells animals to butchers. Salma has applied for a loan from Kiva partner Asasah for her husband who will buy some goats & sheep to further improve his animal-sales business. He has been operating this business for the past 10 years and Salma is confident that her husband will be able to improve the financial condition of his business.

She is a regular loan user of Asasah and this is her 3rd loan application. In previous loan years, she has maintained a good credit record and never missed any meeting.

Note: In the photo, the lady with a book (called Asasah Passbook) is Salma.

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
  • 306
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 84.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Salma's Group's $1,075 loan helped a member to buy goats & sheep for resale.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 26, 2011
Apr 28, 2011
Currency Exchange Loss:
Apr 15, 2012