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Uzma's Group
In this Group: Uzma, Razia, Nazia, Shumaila, Abida
Uzma baji is the wife of Mr. A. and lives in a small area named Bund Road of City Lahore, Pakistan. Uzma baji couldn’t get an education because her parents couldn’t bear the expenses of her education. She got married at the age of 19. Uzma baji’s husband is a driver and drives a rented auto-rickshaw (a local three-wheeled motor vehicle). He has been driving this for the last 5 years. Uzma baji herself is a housewife and prefers to do household work and take care of her husband. She is applying for a loan to buy her own auto-rickshaw (a local three-wheeled motor vehicle).

She is joined in her loan group by a few more members. Razia baji wants a loan to buy groceries for her grocery shop. Nazia baji wants a loan to buy an auto-rickshaw. Shumaila baji wants a loan to buy fresh flowers to make bouquets for reselling purposes. Abida baji wants a loan to expand her vegetable-selling 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
  • 308
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 80.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Uzma's Group's $950 loan helped a member to buy an auto-rickshaw (a local three-wheeled motor vehicle).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 7, 2008
Oct 23, 2008
Currency Exchange Loss:
Mar 11, 2010