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Zubaida's Group
In this Group: Zubaida, Maqsoodan, Safia, Asia, Sakina
Zubaida S. K. is the wife of S. K. and lives in Kasur city, Pakistan. Kasur city is famous for its sweetmeat and historical places. She has been living in this city for the last 40 years. Zubaida baji's husband is a milkman, selling milk from his own buffalos. He has been in this profession for the last 50 years. Zubaida baji successfully repaid her first loan from Asasah (a microfinance institute of Pakistan). Now she is applying for a second loan to buy another buffalo to expand her husband's milk business.

She is joined in her loan group by a few more members. Maqsoodan M. wants a loan to buy fruits to resell. Safia K. A. wants a loan to buy more milk to resell. Asia H. C. also wants a loan to buy a buffalo for her milk business. Sakina B. A. wants a loan to buy clothing 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
  • 349
    View loans »
    Pakistan Loans Fundraising
  • $16,479,525
    Funds lent in using Kiva
  • 76.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zubaida's Group's $800 loan helped a member to buy a buffalo for their milk business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 27, 2008
Sep 12, 2008
Currency Exchange Loss:
Dec 2, 2009