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Tarifa Javed Masih Group
In this Group: Tarifa , Samina , Nasira Parveen, Nasreen
Tarifa baji is a 38-year-old woman who resides in Walton in Lahore, Pakistan. She owns a two-room brick house where she has been living for the past 20 years. She completed her education until the 8th standard grade, but couldn’t get more education due to her father’s low income. Her husband, J. M., works in a cinema and provides tickets to the people.

Tarifa baji makes decorative embroidered dresses on order and earns a good profit on them. She has successfully repaid her four previous loans from Asasah (a microfinance institute of Pakistan). Now she is applying for a loan to buy clothes, patterns, and colored thread to expand her decorative embroidery business.

She is joined in her loan group by three more members. Samina baji wants a loan to buy a sewing machine to sew clothes. Nasira baji wants a loan to buy chairs and tools for her barber salon. Nasreen baji wants a loan to buy lentils, 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
  • 319
    View loans »
    Pakistan Loans Fundraising
  • $16,524,375
    Funds lent in using Kiva
  • 80.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Tarifa Javed Masih Group's $700 loan helped a member to buy material to make decorative embroidered dresses.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Nov 27, 2008
Nov 27, 2008
Currency Exchange Loss:
Apr 3, 2010