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Ms Sakina is the mother of two sons and a daughter. Her husband has a cycle repair shop. Sakina has supported her family financially by selling milk for many years and serves her community well. She has two buffalo and sells their milk to many of her neighbors, along with butter and cheese that she makes from the milk. Sakina looks after the buffalo and collects their milk and her husband sells it to different places on a daily basis. They happily do it together to support their family.

Sakina is also responsible for fulfilling her children's needs for food and clothing. She needs to earn more to meet their everyday expenditures. In order to make larger profits, she has requested a loan of PKR 20,000 to buy one more buffalo to gain more customers. Sakina hopes to grow her business and dreams of giving a good, quality education to her children.

Additional Information

About Kashf Foundation

Kashf Foundation is one of the leading microfinance providers in Pakistan, focused on expanding financial access for poor women across the country. The organization’s economic empowerment program has grown from 913 clients in 1999 to 284,653 clients as of May 2012, with a current outstanding portfolio of US$32 million.

Kashf has trained over 227,000 clients in basic financial literacy and systemized financial education since 2010, in addition to providing training in gender justice and empowerment to over 12,500 participants since 2011. This group includes clients, their husbands and adolescent boys in their communities.

Over the past 16 years, Kashf has disbursed an estimated 2 million loans. Today, it operates in 16 districts in Punjab province and 1 district in Sindh province through a network of 157 branches. It plans to open 19 new branches to cover all four of Pakistan’s provinces.

About Pakistan

  • $4,700
    Average annual income
  • 310
    View loans »
    Pakistan Loans Fundraising
  • $15,673,250
    Funds lent in using Kiva
  • 94.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Sakina to buy one more buffalo to gain more customers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 12, 2012
Sep 26, 2012
Currency Exchange Loss:
Sep 17, 2013