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Sakina's Group
In this Group: Sakina, Shazia, Allah Rakhi, Ameeran, Razia
Sakina baji is the wife of A. Hamid, and she lives in the city of Chichawatni in Pakistan. She is the mother of eleven children: ten daughters and one son. Her oldest daughter is married. Her husband is a laborer: he is hired to carry or move items, for construction work, etc. She has already successfully repaid her first loan from Asasah (a microfinance institute of Pakistan). In practice, Sakina baji takes care of other people’s land and she does house-related work. Now, she is applying for a loan for her husband so that he can buy a cart to lift heavy items.

She is joined in her loan group by the following individuals: (1) Shazia baji, who seeks a loan to expand her children's garment business; (2) Allah Rakhi baji, who requests a loan to buy masonry tools for her husband’s business; (3) Ameeran baji, who asks for a loan to buy a donkey cart; and (4) Razia baji, who wants a loan for her food business.

This is a group loan. As such, the loan proceeds will be distributed among the group members, each of whom will invest in her own business. Further, the members mutually guarantee each other's loans; therefore, if one member does not repay her loan, the other members are responsible for the arrears.

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
  • 264
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 69.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Sakina's Group's $1,075 loan helped a member to improve and expand their respective businesses (e.g., by purchasing carts, materials for a garment business, masonry tools, and food).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 4, 2008
Jul 27, 2008
Currency Exchange Loss:
Dec 2, 2009