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Safia is a 30-year-old married woman living with her husband and five children. She has two daughters and three sons. Her husband runs food cart in his community. The man shown in the photo is Safia’s husband. Her husband’s income is not enough to meet the basic needs of the family members. In this tough time, Safia has decided to work to contribute in the family's income. She makes mud ovens and sells them in the local market as well as in nearby communities. Her husband also assists her in making them. Both are working together to provide a good standard of living to their children.

In order to purchase an oven frame, a stock of good quality mud (soil), and buckets of paints, Safia borrowed PKR 35,000 from Kashf. It would help her to increase her earnings through her large sales. Safia has been associated with Kashf for five years. She wishes to spend part of her profits on providing a 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
  • 314
    View loans »
    Pakistan Loans Fundraising
  • $15,642,300
    Funds lent in using Kiva
  • 97.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Safia to purchase an oven frame, a stock of good quality mud, and buckets of paints.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 21, 2012
Jan 2, 2013
Currency Exchange Loss:
Jan 17, 2014