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Kosar is a 44-year-old married woman. She has been running a bakery business with the support of her husband. The man shown in the photo is Kosar’s husband. They offer various items such as biscuits, cakes, rusks and bread. They have become famous in their community for providing good quality baked goods.

Kosar is a mother of five children; two of them are going to school. She is working hard to provide them with the all necessities of life which they deserve. In order to purchase oil, sugar, flour and baking powder from the market at lower rates, she contacted Kashf Foundation and applied for a loan of 25000 PKR. With this loan, they will be better able to meet customers’ demand time after time. She wishes to spend part of her profits on the prosperous and bright future of her children.

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
  • 282
    View loans »
    Pakistan Loans Fundraising
  • $14,693,800
    Funds lent in using Kiva
  • 97.0
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $275 helped Kosar to purchase oil, sugar, flour and baking powder from the market at lower rates.
99% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Nov 28, 2012
Dec 12, 2012
Currency Exchange Loss:
Jan 17, 2014