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Zainab M.akram Group
In this Group: Zainab , Qubra , Nawab , Suraiya , Bashiran
Zainab baj is a citizen of a city named Riwind, in Pakistan. She is thirty-six years old and married. She has been living in this city for the last fourteen years. Her husband's name is M., and he is a driver of a rented auto-rickshaw (a local three-wheeled motor vehicle). The owner gives him very little income even though the owner knows that her husband works really hard. Zainab baji decided to apply for a loan to buy an auto-rickshaw for her husband so that he can get the entire amount of income from his work.

Zainab baj is the group leader of four other women from her locality. Qubra baji wants a loan to buy artificial jewelry to sell. Nawab baji wants a loan to buy thread to sell. Suraiya baji and Bashiran baji each want a loan to buy seasonal vegetables 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 the others' 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
  • 270
    View loans »
    Pakistan Loans Fundraising
  • $17,407,625
    Funds lent in using Kiva
  • 80.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A portion of Zainab M.akram Group's $1,075 loan helped a member various, including buying an auto-rickshaw.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 28, 2009
Mar 28, 2009
Currency Exchange Loss:
May 23, 2010