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Ms Rani is a 40-year-old, married woman, and the mother of four children. For the past 25 years, Rani has been running a business of carpet manufacturing. Her husband is a government employee, but his salary is not enough to meet home expenses, which are increasing day by day. This compelled Rani to work, herself, to contribute to the family's income. She is also doing sewing as her part-time job. In this way, she is able to handle her family's needs and requirements efficiently.

She makes carpets with a special kind of wood, known as "dub wood." These carpets are used in mosques, for the purpose of prayer. By this time, she has become popular in her community for providing good-quality carpets.

In order to purchase a stock of dub wood and some utensils, such as cutters and scissors, she applied to Kashf Foundation for a second loan, of PKR 30,000. The loan capital will help her to increase her production of carpets, and increase her sales. She expects a boost in her earnings and wishes to spend it on the betterment of her family members.

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 Rani to purchase a stock of wood and some utensils, such as cutters and scissors.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 10, 2013
Currency Exchange Loss:
Jan 17, 2014