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Ghulam Fatima M. Hanif Group
In this Group: Ghulam Fatima , Mukhtaran , Nasreen , Kosar , Mukhtaran
Ghulam Fatima baji is a 58-year-old married woman who has lived in Borewala, Pakistan for the past 35 years. Her husband, M. H., has run a tea stall in the community for the past 3 years. Fatima baji is the mother of two children: one son and one daughter. Her son drives a rented auto-rickshaw (a local three-wheeled motor vehicle). Her daughter is 12 years old and reads in 8th standard.

Fatima baji is a seamstress. She sews clothes to share the financial burden of her husband. She successfully repaid her two previous loans from Asasah, a microfinance institute in Pakistan. Now she is applying for a loan to buy an auto-rickshaw (a local three-wheeled motor vehicle) for her son.

She is a the leader of a group of women in her locality. Mukhtaran baji wants a loan to buy an animal to sell. Nasreen baji wants a loan to buy cosmetics to sell. Kosar baji wants a loan to buy a lath machine. Another woman, also named Mukhtaran baji, wants a loan to buy leather 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.

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
  • 243
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 79.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Ghulam Fatima M. Hanif Group's $950 loan helped a member to buy an auto-rickshaw (a local three-wheeled motor vehicle).
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 12, 2009
Feb 26, 2009
Currency Exchange Loss:
Jun 10, 2010