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Ms. Kishwer is a 30-year-old married woman. She has been successfully selling vegetables and fruits for the last seven years. By this time she has become famous in providing fresh vegetables in her community. She has good communication skills and counts on a good client list. Her husband is employed in a government school as a peon and earns insufficient income to support his family alone.

She is a mother of four children. She is motivated to provide for her family. As she wants to grow her business, she requested a loan of PKR 35,000 to buy sacks of fresh vegetables such as potatoes, onions, etc. from the market at lower rates. She then would be able to meet the increasing demand consistently. She is in her 7th loan cycle and has shown excellent repayment behavior. She wishes to utilize part of revenues to deal with personal expenses and to expand her business.

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

  • $3,004
    Average annual income
  • 139
    View loans »
    Pakistan Loans Fundraising
  • $13,320,225
    Funds lent in using Kiva
  • 97.0
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $375 helped Kishwer to buy sacks of fresh vegetables such as potatoes, onions, etc. from the market at lower rates.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 16, 2012
Dec 11, 2012
Currency Exchange Loss:
Nov 17, 2013