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Zareena, age 42, sells milk to earn an income. She and her husband have six children, and she initiated her own business 20 years ago 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 and her income increased. Now she has two buffaloes and one cow. This has all happened as a result of her courage and determination. Because of her work, she is respected in her home, and she helps her husband in all family matters as well as financial matters. While talking to the Kashf officer, she shared the feeling of achievement she felt as a result of being able to send her son to college for further studies.

Zareena is in her eighth loan cycle with Kashf Foundation. She wants to buy another buffalo, which she intends to do with money she has already saved in addition to her requested loan funds. For this purpose, she has applied for a loan in the amount of PKR 30,000. She expects a boost in her business income as she expands her business. 

She is very thankful to Kashf for its support.

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
  • 298
    View loans »
    Pakistan Loans Fundraising
  • $15,642,300
    Funds lent in using Kiva
  • 97.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Zareena to purchase another buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 2, 2013
Feb 1, 2013
Currency Exchange Loss:
Jan 17, 2014