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Najma's Group
In this Group: Najma, Hajran, Azra, Rashida, Nabeela Qamar
Najma resides in Ghala mandi, an area of a city called Sahiwal. Sahiwal is a small city in Pakistan known for its agriculture industry. She has been living there with her family in a two-room brick house for the past 15 years. She is a housewife who manages her household work by staying at home.
She is married to M. A. who is a fruit vendor by profession. He puts the fruit on his cart and starts selling early in the morning by visiting different streets of the city. He deals with his clients very well and makes good sales every day due to the good quality of his fruits. Najma is a very supportive person. She helps her husband by arranging the fruit for him on his cart. She has given birth to four children. All of them are enrolled in a local school and getting their education.

Najma has applied for a loan from Kiva partner Asasah to improve her husband’s business. With the loan, he will buy fresh seasonal fruit to sell and earn better profits. He has been operating this business for the past 12 years and hopes that a loan will bring positive financial changes to his business.
Note: In the photo, the lady with a book (called Asasah Passbook) is Najma.

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
  • 260
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 84.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Najma's Group's $1,125 loan helped a member to buy fresh seaonal fruit to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
May 2, 2011
May 5, 2011
Currency Exchange Loss:
Apr 15, 2012