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Gulshan is a 56-year-old married woman. She is a mother of six children. Three of them are school going while others help Gulshan in her business.

Two years ago, she faced a very difficult time because the income earned from her husband was not sufficient to meet the expenses of the household. She didn’t lose hope and contacted Kashf Foundation upon the advice of her neighbor to initiate her own sweater-knitting business. She bought bundles of wool in different colors from the market at lower rates and started knitting for the people living around her. She now has a good client list; most of her clients are her neighbors.

She has gradually improved her business. Now she requested a loan of PKR 20,000. She is going to use this loan to buy packs of needles and bundles of wool in different colors to increase her sales to the local market during winter season. She intends to use the earned profits on her children’s education and house improvement.

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
  • 434
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 95.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Gulshan to buy packs of needles and bundles of wool in different colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 27, 2012
Nov 3, 2012
Currency Exchange Loss:
Aug 18, 2013