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Ms. Sakina is a 38-year-old, vigorous, married woman. She has had a beauty parlor business for the past three years. She is passionate about her work, and client demand is strong. But business challenges, combined with family expenditures, frustrate her nearly every day. Her husband is doing business selling waste yarn, but he lacks for work due to a recession here in Pakistan, and he cannot earn enough to support his family well. Sakina's beauty parlor is small but fulfills the needs of the local community, and she is the highest earner in her household. She is a mother of two children. She wants to grow her business. She requested a loan of Rs 20000 to buy more products for skin care, hair treatment, and make-up kits to cater to more customers at a time. She shared that her dream is to run a training school in her community. She is teaching make-up and hair styling skills to two students at this time, so they can help her expand her business, as well as earn money for themselves.

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
  • 431
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 95.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Sakina to buy more skin care and hair treatment products and make-up kits to cater to more customers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Nov 14, 2012
Currency Exchange Loss:
Nov 17, 2013