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Ms Sadia is a 25-year-old married lady and the proud owner of a beauty parlor. For 6 years, Sadia worked as a helping hand in a parlor near her house and gained enough experience to start her own business. When Sadia wished to take a loan to start a new business, her husband was against the idea of going into debt and was doubtful about Sadia’s ability to repay it. However, Sadia was confident in her experience and borrowed from Kashf as her friend in the neighborhood told her about Kashf and its efforts in their community.

Her hard work has increased customer traffic in her parlor to an extent that she applied to borrow Rs 30,000 so she can prepare two dressing stations that require a chair, a table, a mirror, and a few new accessories. In this way, she will be able to cater to more customers time after time.

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
  • 334
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 97.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Sadia to purchase two chairs and tables, a mirror, and a few new accessories.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 12, 2012
Jan 1, 2013
Currency Exchange Loss:
Sep 17, 2013