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Shamim Aslam Masih Group
In this Group: Shamim , Najma , Razia , Zarina , Naseem
My name is Shamim and I’m 44 years old. I have resided in Arifwala, Pakistan for the back 22 years. I’m an uneducated lady from a poor family, as my parents were not in a position to educate me and send me to school. I am married to A. M., a worker in a private company. I have two sons and two daughters; my eldest daughter completed her education till the 8th standard and then got a diploma in beauty parlor work. Now she is running a beauty parlor in the house. The others are still in school. I have operated a clothes-selling business in my community for the past 10 years. I have repaid my two previous loans from Asasah (a microfinance institute of Pakistan) and am now applying for a new one to buy more clothes to expand my business.

I’m a group leader of four other women in my locality:

Najma baji wants a loan to buy material (cloth, beads and colored thread) for her decorative embroidery business;

Razia baji wants a loan to buy chairs and razors for her salon;

Zarina baji wants a loan to buy groceries for her grocery shop;

Naseem baji wants a loan to buy sugar and cooking oil for her sweetmeat business.

The funds for this group loan will be distributed among the members, each of whom will invest in her own business. The members guarantee one another's loans, so if one does not repay, the others 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
  • 379
    View loans »
    Pakistan Loans Fundraising
  • $16,478,525
    Funds lent in using Kiva
  • 79.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Shamim Aslam Masih Group's $1,250 loan helped a member to buy clothes for her clothes-selling business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Feb 18, 2009
Feb 17, 2009
Currency Exchange Loss:
May 20, 2010