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Ulfat's Group
In this Group: Ulfat, Seema , Sharifan Bibi, Margarette Bibi, Musarat, Shamim Bibi
Ulfat is 32 years old and a married lady. Her husband operates a grocery store where he sells daily-use household items such as sugar, salt, cooking oil, etc. He is very good in his dealings with the customers and makes good sales every day. He is also a rickshaw driver and provides transport services to his passengers. Ulfat helps him by taking care of his grocery store when he goes away for his driving business.

She is the mother of five sons: two of them are daily wage laborers while the others stay at home. Ulfat couldn’t educate her children due to financial constraints. She has applied for a loan from Kiva partner Asasah to improve her husband’s grocery store business. With the loan, he will purchase groceries in bulk quantities that will allow him to fill his customer orders and earn better profits. Her husband has been operating this business for the past 10 years and Ulfat is confident that he will successfully be able to improve it after investing the loan in it.

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

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
  • 165
    View loans »
    Pakistan Loans Fundraising
  • $17,354,175
    Funds lent in using Kiva
  • 85.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ulfat's Group's $1,175 loan helped a member to buy groceries for grocery store business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 20, 2011
Jun 22, 2011
Currency Exchange Loss:
Jun 15, 2012