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Ms. Zeenut is a 45-year-old, vigorous married woman. She has had a business of machine embroidery for the past 20 years. She is passionate about her work, and client demand is strong. But business challenges, combined with family expenditures, frustrate her nearly every day. Her husband is employed in a factory, but he does not earn enough to support his family well. Zeenut’s stitching patterns are very popular on her street, and she is the best earning resource in her household.

She is a mother of three children. She wants to grow her business. She requested a loan of Rs 30,000 from Kashf Foundation, to buy raw materials such spools of thread, sequins and zippers in large quantities to meet the increasing demand. She shared her dream of running a training center for girls of her village. She would teach stitching skills, so they can help her expand her business, and also earn money for themselves.

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
  • 315
    View loans »
    Pakistan Loans Fundraising
  • $15,673,250
    Funds lent in using Kiva
  • 97.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Zeenut to buy raw materials such spools of thread, sequins and zippers in large quantities to meet the increasing demand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 12, 2012
Jan 1, 2013
Currency Exchange Loss:
Dec 17, 2013