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Mehar Deen Muhammad Group
In this Group: Mehar , Razia , Razia , Razia , Irshad
"I am Mehar and I’m a 58-year-old married lady. I reside in an area called Kot Radha Kishan near the city of Kasur, Pakistan. I own a two-room brick house and have been living in it with my family for the past 30 years. My husband's name is D. M. and he is a watchman by profession. I am the mother of two sons.

"My elder son completed his education up to 8th standard and couldn’t study further because of lack of interest. He is working in a cotton factory where he fills cotton into sacks. My younger son got his education up to 10th standard and is working as a typist in the high court.

"I belong to a milk-selling profession. This is our family business. My mother was also involved in this business. I get milk from the buffalo by getting up early in the morning. Presently, I’ve one buffalo. I sell the milk in the milk shops and to the community as well. I sell the kg of milk at 34 Pak rupees. I have successfully repaid my first loan from Asasah (a micro-finance institute in Pakistan). Now I am applying again for a loan to buy another buffalo to expand my milk-selling business.

"I’m the group leader for some more women from my locality. Razia baji and another lady called Razia baji each want a loan to buy a buffalo for their milk-selling businesses. A third lady called Razia baji wants a loan to buy wood to re-sell. Irshad baji wants a loan to buy a sewing machine to use to sew clothes."

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
  • 319
    View loans »
    Pakistan Loans Fundraising
  • $16,524,375
    Funds lent in using Kiva
  • 78.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Mehar Deen Muhammad Group's $1,025 loan helped a member to buy another buffalo for her milk-selling business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 30, 2008
Jan 1, 2009
Currency Exchange Loss:
Apr 13, 2010