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Rubina Aman Ullah Group
In this Group: Rubina , Irshad , Shazia , Shaheen Akhtar , Saima Hameed
Rubina baji, a resident of Vehari, Pakistan for the past 10 years, is married to A. U., a factory employee earning a monthly wage. She is the mother of three sons and one daughter, all students at a nearby school.

Rubina baji is fully aware of the current world economic situation and the hardships everyone is undergoing. Because it is not easy for a single person to bear all of a family’s living expenses, she helps her husband by selling clothes. She buys her inventory from the famous markets in Multan and Lahore and sells in her native city and local community. She is now applying for a loan to buy more clothes to expand her business.

Rubina baji is the group leader of four other women from her community:
Irshad baji wants a loan to buy groceries for her grocery shop;
Shazia baji seeks a loan to buy washing powders and liquids for her laundry business;
Shaheen Akhtar baji is requesting a loan to buy lentils, cooking equipment and spices for her food business;
Saima Hameed baji desires a loan to buy tools to repair electric items.

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, so if one member 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
  • 262
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 80.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Rubina Aman Ullah Group's $850 loan helped a member to buy clothes to sell.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 12, 2009
Mar 8, 2009
Currency Exchange Loss:
May 28, 2010