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Cheema's Group
In this Group: Cheema, Sarafeen, Zahida, Shahida, Fazilat, Bilquis
Cheema baji is the wife of P. M. and lives in a small area called Bund Road in the city of Lahore, Pakistan. She is the mother of three sons. Her eldest son works in a factory. The next one has a food business. Her youngest son is a sweeper by profession.

Cheema baji's husband has a government job and he also has a part-time work selling artificial jewelry sets in markets. He has been in the jewelry-selling business for the last 3 years. Cheema baji is a housewife and prefers to do household work and take care of her family. She has successfully repaid her two loans from Asasah (a microfinance institute in Pakistan). Now she is applying for a loan to buy more artificial jewelry sets for her husband's business.

She is joined in her loan group by several more members. Sarafeen baji wants a loan to buy a donkey cart for transporting loads. Zahida baji and Shahida baji each want a loan to buy groceries for their grocery shops. Fazilat baji wants a loan to buy a sewing machine. Bilquis baji wants a loan to buy a buffalo for her milk business.

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
  • 346
    View loans »
    Pakistan Loans Fundraising
  • $16,490,375
    Funds lent in using Kiva
  • 79.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Cheema's Group's $1,400 loan helped a member to buy more matching sets of jewelry.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 3, 2008
Oct 20, 2008
Currency Exchange Loss:
Mar 11, 2010