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Kalsoom's Group
In this Group: Kalsoom, Jannat, Sakina, Rubina, Zainab, Nusrat, Shumaila
Kalsoom supports her family financially by doing embroidery. She is very skillful and receives a good number of orders every month.

Her husband is a professional carpenter and expert in making furniture. He operates his business in the market and manufactures very good quality furniture. Due to his good quality work, he receives good appreciation from his customers.

Kalsoom is the mother of seven children. Two elder sons work in a factory while others support their mother in her embroidery work.

She has applied for a loan from Kiva partner Asasah because she wants to buy embroidery material in bulk to be able to fulfill larger orders on time. This will help her make more income every month.

She has been operating her business for the past 10 years and is confident that an investment will help her improve her business.

She is a regular loan user of Asasah and this is her second loan application. In the previous year, she has established good credit behavior and never missed any meetings.

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
  • 342
    View loans »
    Pakistan Loans Fundraising
  • $16,486,475
    Funds lent in using Kiva
  • 86.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Kalsoom's Group's $1,350 loan helped a member to buy embroidery material in bulk.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Aug 9, 2011
Aug 18, 2011
Currency Exchange Loss:
Aug 15, 2012