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Custom Embroidered Clothes Group
In this Group: Naziran, Sakina, Khairan, Zareena, Shamim
Naziran baji is the wife of M. Sharif and lives in a city named Pakpattan, Pakistan. Pakpattan city is famous for its historical and pious places. She has been living in this city since her childhood. She is the mother of four sons. Her elder son is a driver and drives a local bus. The next eldest to him works in a factory. The younger to him is in 10th standard (grade). Her younger son is in the 9th standard. Naziran baji's husband is a worker in a school. Naziran baji is a housewife but she also makes embroidered clothes and sells them in market. She successfully repaid her first loan from Asasah (a microfinance institute of Pakistan). Now she is applying for a loan to buy material (clothes, colored thread, and patterns) to make more embroidered clothes to earn good profit.

She is joined in her loan group by a few more members. Sakina baji wants a loan to buy groceries for her grocery shop. Khairan baji wants a loan to buy motorbike spare parts. Zareena baji wants a loan to buy more video games for her video game shop. Shamim baji wants a loan to buy more cigarettes to resell.

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
  • 234
    View loans »
    Pakistan Loans Fundraising
  • $17,650,250
    Funds lent in using Kiva
  • 76.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Custom Embroidered Clothes Group's $675 loan helped a member to buy material to make embroidered clothes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 26, 2008
Sep 12, 2008
Currency Exchange Loss:
Dec 2, 2009