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Ms. Zahida is a bold and energetic married woman. She has been in the business of a beauty parlor for the past three years. She started a parlor in a small corner of her two-room house.

She is working to support her family financially. She is a mother of two. She is responsible to provide them with the basic necessities of life. She feels happy to be sending her children to school through all her hard work. Zahida works tirelessly to keep the business running because she is the only breadwinner of the house.

She told Kashf that it was getting extremely difficult for her to manage the family, as the parlor was running on minimum necessities and her clients were hesitant to avail services as there are lots of competitors in the community. That’s when she took a loan worth Rs 30,000 from Kashf and reported that she will be investing the amount in buying more cosmetics and some furniture for the parlor to deal with more customers at a time.

She is hopeful to get an increase in the number of customers, and she intends to utilize part of the income in buying more furniture and utensils for her parlor.

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
  • 359
    View loans »
    Pakistan Loans Fundraising
  • $15,731,150
    Funds lent in using Kiva
  • 95.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Zahida to buy more cosmetics and some furniture for the beauty parlor to deal with more customers at a time.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 12, 2012
Oct 13, 2012
Currency Exchange Loss:
Sep 17, 2013