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Naseem M. Manzoor Group
In this Group: Naseem, Zareena, Salma, Kalsoom, Nishan
Naseem baji is the wife of Manzoor A. and lives in a city named Chichawatni, Pakistan. She is the mother of four children: two sons and two daughters. She owns a two-room brick house and has been living in it for the last 5 years. Naseem baji's husband sells wooden sticks in various places as well as his community. He has been in this work for the last 3 years. Naseem baji successfully completed her first loan from Asasah (a microfinance institute of Pakistan). Now she is applying for a loan to buy more wooden sticks to expand her husband's business.

She is joined in her loan group by several more members. Zareena baji wants a loan to buy an auto-rickshaw (a local three-wheeled vehicle). Salma baji wants a loan to buy a donkey cart. Kalsoom baji wants a loan to repair her auto-rickshaw (a local three-wheeled vehicle). Nishan baji wants a loan to buy more wood to re-sell.

This is a group loan. The loan funds will be distributed among the group members, each of whom will invest in her own business. The members mutually guarantee one another's loans. If one member does not repay, the other members are responsible.

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
  • 245
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 74.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Naseem M. Manzoor Group's $1,200 loan helped a member to buy more wooden sticks for re-sale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 13, 2008
Aug 29, 2008
Currency Exchange Loss:
Dec 2, 2009