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Fozia Mumtaza Ali Haider Group
In this Group: Fozia , Zahida Parveen , Suraiya , Amreena
Fozia baji, the wife of M. A. H., resides in Kasur, Pakistan. She owns a two-room brick house where she has been living for the past 10 years. She is the mother of two sons. Her elder son is in the 4th standard grade and her younger son is in kindergarten.

Fozia baji’s husband has a mobile phone shop in which he sells and repairs mobile phones. He has been in this business for the past 5 years. Fozia baji has a business selling clothes. Because she wants to share the financial burden of her husband, and because of inflation is increasing every day, it's very difficult for a single person to support the family. She is applying for a loan to expand her clothing business.

She is joined in her loan group by three more members. Zahida Parveen baji wants a loan to buy leather to resell. Suraiya baji wants a loan to buy groceries for her grocery shop. Amreena baji wants a loan to buy lentils, rice, cooking oil, and spices for her food 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.

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
  • 244
    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 Fozia Mumtaza Ali Haider Group's $825 loan helped a member to buy clothes to resell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 27, 2008
Nov 27, 2008
Currency Exchange Loss:
Apr 3, 2010