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Sakina is 35 years old, married and a mother of three daughters and two sons. She has two cows and one buffalo for milking and two goats. In the beginning, she purchased goats and sheep and sold them at the festival of Eid-ul-Azha (a religious event). Gradually, she purchased cows and buffaloes to start the business of selling milk. She sells it to many of her neighbors, along with butter, cheese and ghee that she makes from the milk. She has a good client list. Her business is good enough to support her decent life.

Her husband helps in her business. She is in her second loan cycle and has a strong association with Kashf foundation. Now, she has requested a loan of 30000 PKR to buy one buffalo to increase milk production. In this way she would be able to serve more people in her community. She wishes to utilize the profits for 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
  • 365
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 97.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Sakina to buy one buffalo to increase milk production.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Jan 1, 2013
Currency Exchange Loss:
Jan 17, 2014