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Zarina's Group
In this Group: Zarina, Majeedan, Sugran, Razia
Zarina is a working lady sewing clothes for her neighbor clients. She is very skillful in her work and her customers like her designs. They give her regular orders every month. Zarina has four children. All of them are enrolled in a local school and getting their education. Her husband is a contractor and builds houses and buildings on contract. Both Zarina and her husband work very hard so they can afford their children's school fees and put three meals on the table.

Zarina has applied for a loan from Kiva's partner Asasah for the further expansion of her sewing business. With this loan, she will buy a new sewing machine that will allow her to finish the orders on time and earn better profits. She is very experienced in her work as she has been doing it for the past 10 years. She is confident that a loan will be productive for her.

Zarina is a regular client of Asasah and this is her second loan application. In previous loan years, she has established good credit behavior and never missed a meeting. In the photo, the lady with a book (an Asasah passbook) is Zarina.

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
  • 269
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 86.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zarina's Group's $950 loan helped a member to buy a new sewing machine for a sewing business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 11, 2011
Jul 19, 2011
Currency Exchange Loss:
Jul 15, 2012