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Shah Gul's Group
In this Group: Shah Gul, Shamim, Shabana, Zainab, Najma
Shah Gul baji, the wife of M. A. K., lives in Arifwala, Pakistan. She has been living in this city for the past 20 years. Shah Gul baji completed her education through the 5th standard grade. She is the mother of seven children: two sons and five daughters. None of her children goes to school. Her eldest son is a mechanic who works in a workshop.

Shah Gul baji’s husband makes spare parts for vehicles with a lathe. He has been in this business for the past 20 years. Shah Gul baji is a housewife who prefers to do household work and take care of her family.

Shah Gul baji successfully repaid two previous loans from Asasah, a microfinance institute in Pakistan. Now she is applying for a loan to buy another lathe to expand her husband’s business.

She is joined in her loan group by four more members. Shamim baji and Shabana baji each want a loan to buy tools to repair vehicles for their motor workshop. Zainab baji wants a loan to buy car wheels to resell. Najma baji wants a loan to buy a lathe.

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.

Note: Baji, which means 'older sister,' is a term of respect for women in Pakistan.

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
  • 274
    View loans »
    Pakistan Loans Fundraising
  • $17,412,300
    Funds lent in using Kiva
  • 80.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shah Gul's Group's $1,250 loan helped a member to buy another lathe.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 12, 2008
Oct 28, 2008
Currency Exchange Loss:
Mar 11, 2010