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Ms. Zaib is a 42-year-old married woman. Two year ago, her husband died a natural death. After her husband's death, she was worried about her family, as her husband was the single breadearner, but she didn't lose hope and started a small general store in the corner of her house to support her children. By this time, she has become famous in her community.

Ms. Zaib offers various goods for daily use at reasonable prices. She has good communication skills and counts on a good client list. She wants to grow her business and has applied for a loan of 20,000 Pakistani rupees to buy packs of biscuits, beverages, and a stock of sugar from the market at lower rates. This will enable her to meet the increasing demand consistently. She wishes to utilize part of her revenue to deal with personal expenses and to increase 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

  • $3,004
    Average annual income
  • 112
    View loans »
    Pakistan Loans Fundraising
  • $13,302,525
    Funds lent in using Kiva
  • 97.0
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $225 helped Zaib to buy packs of biscuits, beverages, and a stock of sugar from the market at lower rates.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 27, 2012
Dec 12, 2012
Currency Exchange Loss:
Dec 17, 2013