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Seema M. Sharif Group
In this Group: Seema , Zareena , Bilquis , Razia , Jana , Naziran
Seema baji is a wife of M. S. who has been a milk seller for the past 20 years. Seema baji resides in the Kot Radha Kishan suburb of Kasur, Pakistan. It’s a half hour distance from Kasur. She is an uneducated lady but she is very responsible. She helps her husband get milk from the buffaloes and then her husband goes to milk shops to sell the milk. She is applying for a loan to buy another buffalo to expand her husband’s milk selling business.

She is a group leader of a few women of her locality. Zareena baji and Bilquis baji each want a loan to buy groceries for their grocery stores. Razia baji and Jana baji each want a loan to buy wood to resell. Naziran baji wants a loan to buy an auto-rickshaw (a local three-wheeled motor vehicle).

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
  • 265
    View loans »
    Pakistan Loans Fundraising
  • $17,365,700
    Funds lent in using Kiva
  • 78.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Seema M. Sharif Group's $1,225 loan helped a member to buy another buffalo for milk selling business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jan 5, 2009
Dec 26, 2008
Currency Exchange Loss:
Apr 17, 2010