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Ms Shagufta is a 40-year-old active, married woman. She is efficiently doing a milk-selling business. Most of her clients are her neighbors. She makes enough to lead a decent life. Her husband is employed in a small general store and one of her sons works in a repair shop. However, their income is very unpredictable and not enough to cover everyday expenditures.

She is a loving mother of three children. She is in charge of providing her family with good food, health and education. She has slowly but surely improved her business by taking loans from the Kashf Foundation. Now she has requested a loan of PKR 15,000 to buy another cow to meet the increasing demand from her customers. She hopes to have more profits and hence better support her family and will spend a part of her earnings on the education of her two daughters.

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
  • 329
    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 $175 helped Shagufta to buy another cow to meet the increasing demand from her customers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 20, 2012
Oct 3, 2012
Currency Exchange Loss:
Aug 18, 2013