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Saima is a 29-year-old married woman and mother of three children. She has been running a beauty parlor for the past 18 months. In that time, she has become famous on her street for providing the best quality services to her customers. Her husband is a taxi driver, but his income is not sufficient to meet the needs of the family members alone.

In order to meet the requirements of her parlor, she contacted the Kashf Foundation and applied for a loan of 30,000 PKR. This loan will help her to purchase more makeup kits, lipstick and hair rollers to cater to more customers again and again. She is in her 2nd loan cycle and has a good repayment history. She dreams of expanding her business in the future.

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
  • 274
    View loans »
    Pakistan Loans Fundraising
  • $14,714,900
    Funds lent in using Kiva
  • 97.2
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $325 helped Saima to purchase more makeup kits, lipstick and hair rollers for her business.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 27, 2012
Jan 2, 2013
Currency Exchange Loss:
Jan 17, 2014