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Josephine's Group
In this Group: Josephine, Tahira, Razia, Suriya, Sakina
Josephine N. has been married for 36 years and is a mother of seven: four boys and three girls. All her daughters and the eldest son are married. Josephine’s husband works at a medical laboratory and one of her sons provides movie-making services at various occasions including weddings and birthdays. Currently, her son wants to purchase a new camera for which he needs a loan. Josephine will save the extra profits from his income for his wedding.

There are several other women in this loan group who also require small loans: Tahira Y. needs her share of the loan for her husband’s medical laboratory; Razia J.’s daughter runs a beauty salon. Suriya S. will invest her share of the group loan in her husband’s grocery store, and Sakina S.’s son runs a medical laboratory. All these women have been together for a year and practice values such as punctuality and saving.

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
  • 330
    View loans »
    Pakistan Loans Fundraising
  • $16,502,100
    Funds lent in using Kiva
  • 63.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Josephine's Group's $1,400 loan helped a member buy a new movie camera for her son's business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 13, 2008
Apr 20, 2008
Currency Exchange Loss:
Jun 15, 2009