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Ms Munawer is 55 years old. She has been in the business of milk sales for 11 years. She started her own business to support her family by buying a buffalo when her husband was the only bread winner. With the passage of time her sales and income have both increased. Now she has five buffaloes and cows. This has all happened due to her courage and determination.

She is a mother of five. Three of them go to school. Because of her work she is respected in her home. She helps her husband in all family matters as well as financial matters. She has been in association with Kashf for five years. She has some savings and has applied for a loan of PKR 40,000 to purchase another buffalo. This wilk help her to be able to cater to more customers in her vicinity which will ultimately improve her earnings. She expects a boost in her business income and she hopes to expand her business. She is very thankful to Kashf for its support.

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
  • 255
    View loans »
    Pakistan Loans Fundraising
  • $14,728,150
    Funds lent in using Kiva
  • 97.0
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $425 helped Munawer to purchase another buffalo.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 11, 2012
Currency Exchange Loss:
Dec 17, 2013