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Ms. Ghulam-Zaineb is a 31-year-old married woman. She has been running a small general store in her community for the last 10 years. Her husband earns an average income by working on a wheat grinding machine. She initiated her business to contribute to the family income. To fully stock her store, she needs to purchase stocks of rice, sugar, and grains. For this, she contacted Kashf Foundation and applied a loan of PKR 40,000. She is in her fifth loan cycle with a good repayment history. Buying more stock will help her to generate extra revenue to meet her business and family requirements.

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
  • 272
    View loans »
    Pakistan Loans Fundraising
  • $14,714,900
    Funds lent in using Kiva
  • 97.7
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $425 helped Ghulam-Zaineb to purchase stocks of rice, sugar, and grains.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 28, 2012
Feb 1, 2013
Currency Exchange Loss:
Jan 17, 2014