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Mrs Kousar is a 52-year-old, married woman, who has been running a business of dairy farming, milking buffaloes, for the past ten years. She initiated her own business by buying a buffalo, in order to support her family and help her husband. With the passage of time her sales increased, and her income did also, and now she has two buffaloes.

She is the mother of five children; two of them are school-going. Because of her work, she is respected in her home. She helps her husband in all family matters, as well as financial matters. While talking to the Kashf officer, she shared her dream to educate her other children as well.

Kousar is in her fifth loan cycle with Kashf Foundation. She has some savings and has applied for a loan of PKR 20,000 to help her to purchase another buffalo. She hopes to gain an increase in her net income, which she intends to spend on providing quality education to 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
  • 271
    View loans »
    Pakistan Loans Fundraising
  • $14,718,825
    Funds lent in using Kiva
  • 97.2
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $225 helped Kousar to purchase another buffalo for dairy use.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 22, 2012
Dec 13, 2012
Currency Exchange Loss:
Dec 17, 2013