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Shamman's Group
In this Group: Shamman, Surriya, Zahida, Sumaira, Jeejan, Perveen, Saima, Fehmida, Zahida, Bilqees
Shamman is 42 years old, married, and has 6 children. She couldn’t help her children complete their educations due to financial constraints. Now her elder son works while remaining at home.

Shamman is a housewife; she performs her household duties very well by staying at home. Her husband sells flowers. He makes beautiful flower bouquets, which sell for good prices.

Shamman has applied for a loan from KIVA partner, Asasah, for the further expansion of her husband’s business. With the loan investment, he will buy flowers in larger quantities, which will help him make more profits from his business.

Additional Information

More information about this loan

Asasah offers products that are customized for its Muslim clients. This Murabaha loan is structured as an interest free loan. Asasah purchases goods for its borrower and charges them a markup or fee. For more information on Islamic microfinance, please click here.

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
  • 277
    View loans »
    Pakistan Loans Fundraising
  • $17,386,950
    Funds lent in using Kiva
  • 95.5
    Pakistan Rupees (PKR) = $1 USD
A portion of Shamman's Group's $1,575 loan helped a member to buy flowers for her husband's flowers-selling business.
Repayment Term
13 months (Additional Information)
Repayment Schedule
Oct 23, 2012
Nov 3, 2012
Currency Exchange Loss:
Dec 3, 2012