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Safia is a 46-year-old married woman. She is living in the poor community of Jhang in the south of Punjab with her husband and two children. Her husband, who works in a factory as a laborer, is not able to able to manage his household expenditures efficiently due to a very low salary. At that time they were not in a position to send their children to school for an education. Safia, to deal with the misery, decided to set up a small business where she could sell vegetables and fruits. For this purpose she acquired a loan from Kashf Foundation. She marketed her products in the nearby community and was able to get a reasonable number of customers to her shop in a few days.

By applying a lot of effort and hard work in her business, Safia was able to earn a very good profit out of it. Safia’s husband appreciated her efforts as she was managing the household and business affairs at the same time very efficiently. Her relationship with Kashf Foundation is very strong because she ran her business effectively and throughout the year she paid all the installments within the due time. Now Safia had requested a loan of Rs 30000 in order to enhance her business further by offering a wide range of fresh vegetables and fruits to her customers. She proudly says that she is now able to send her children to well-known schools for their prosperous future.

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
  • 277
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 96.5
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $325 helped Safia buy fruits and vegetables to resell.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Dec 1, 2012
Currency Exchange Loss:
Nov 17, 2013