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Razia M. Ramzan Group
In this Group: Razia , Mubarak , Manzooran Mai , Shamim , Zafran
Razia Baji is a 36-year-old married lady and has resided in a city named Multan, Pakistan for the past 25 years. 'My husband's name is M. R., an animal seller for the past 10 years. He buys animals from the famous animal market of Multan and sells them to the different butcher shops.' Razia Baji has three kids: one son and two daughters. All of her kids are getting an education from the school which located near their house. Razia Baji shares the financial burden of her husband by doing embroidery on dresses. She gets orders from her neighbors and charges $3 for per embroidered dress. She successfully repaid her first loan from Asasah (a microfinance institute of Pakistan). Now she is applying again for a loan to buy more livestock (goats and sheep) to sell.

She is a group leader of some more women of her locality. Mubarak Baji and Manzooran Mai Baji and Shamim Baji each want a loan to buy buffalo for their milk selling businesses. Zafran Baji wants a loan to buy seeds and fertilizer to sell.

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
  • 195
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 79.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Razia M. Ramzan Group's $1,200 loan helped a member to buy animals to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 18, 2009
Feb 15, 2009
Currency Exchange Loss:
May 19, 2010