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Ms Mumtaz, age 51, operates a milk sales business. She has been engaged in this venture for the past 25 years. She initiated her own business by buying a buffalo to help support her family, at a time when her husband was the only breadwinner. With the passage of time, her sales increased and so did her income. She now has four cows and one buffalo, and she sells milk to many of her neighbors, along with butter, cheese, and ghee, all of which she makes from the milk.

She has built up a good client list and her business is thriving enough to allow her to lead a decent life. This has all happened due to her courage and determination. Because of her work, she is respected in her home and in her community. She helps her husband in all family matters as well as financial matters. She has been in association with Kashf for the past two years. She has also managed to set aside some savings.

Ms Mumtaz has applied for a loan in the amount of PKR 30,000 in order to purchase another buffalo. She expects a boost in her business income as she expands her business.

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
  • 277
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 97.4
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $325 helped Mumtaz to purchase another buffalo.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 21, 2012
Jan 10, 2013
Currency Exchange Loss:
Jan 17, 2014