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Zarina's Group
In this Group: Zarina, Nusrat, Uzma, Surriya
Zarina is a very active and efficient lady. She helps her husband in his grocery store business which he operates from his home and sells daily use items like spices, snacks, etc. to his community clients at very reasonable prices.

Actually, Zarina’s husband has two businesses. In the morning he drives a rented rickshaw and provides transport services to his passengers while in the evening he operates his grocery selling business. In his absence, Zarina takes care of the grocery business and deals with the customers very professionally.

She has given birth to three sons and a daughter. Her sons work while her daughter remains at home and helps her in her daily household tasks.

Zarina has applied for a loan from KIVA partner Asasah for her husband’s grocery store business. With the loan investment, he will buy grocery stock such as cooking oils, spices, etc. in bulk quantity that will allow him to address the clients' needs and increase his sales and profits.

Zarina is very hopeful that her husband will be able to make good use of the loan money and that it will improve his income.

Note: In the photo, the lady holding a book (called 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
  • 258
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 90.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zarina's Group's $1,325 loan helped a member to buy grocery items such as cooking oils, spices, etc. for grocery store business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 17, 2012
Mar 3, 2012
Currency Exchange Loss:
Feb 15, 2013