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Ms. Zarina is a 42-year-old married woman. She has been successfully running a small general store in her community for the last three years. She offers various items and goods of daily use. She has good communication skills and has a good client list.

Her husband is a laborer and earns insufficient income to support his family alone. She is a mother of five children. She is motivated to provide for her family. She wants to grow her business so she requested a loan of 20,000 PKR (Pakistan rupees) to buy a sack of rice, flour and other grocery items to meet the increasing demand at her store. She wishes to spend part of the revenues to deal with the expenses of her children’s education and to increase her business capital.

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
  • 473
    View loans »
    Pakistan Loans Fundraising
  • $15,107,750
    Funds lent in using Kiva
  • 95.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Zarina to buy a sack of rice, flour and other grocery items.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Nov 17, 2012
Currency Exchange Loss:
Dec 17, 2013