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Waziran M. Rafiq Group
In this Group: Waziran, Sharifan , Zainab , Jamila , Almay
Waziran baji is 52 years old and a married lady and citizen of a city named Kot Radha Kishan, Pakistan. She is married to a man whose name is M. R., and he has a dairy business. He has a buffalo and Waziran baji also helps him in getting milk from her and selling it to the milk shops. She has three sons. Her eldest son works in a factory on monthly wage. The others are not employed and don’t do anything. She successfully repaid her first loan from Asasah (a micro-finance institute in Pakistan). Now she is applying again for a loan to buy another buffalo to expand her husband’s dairy business.

She is the group leader for another four women from her locality. Sharifan baji wants a loan to buy groceries for her grocery shop. Zainab baji wants a loan to buy a buffalo for her dairy business. Jamila baji wants a loan to buy cosmetics and a hair dryer for her beauty parlor. Almay baji wants a loan to buy milk 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
  • 367
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 80.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Waziran M. Rafiq Group's $975 loan helped a member to buy another buffalo for their dairy business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 28, 2009
Mar 26, 2009
Currency Exchange Loss:
May 21, 2010