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Kousar is a 43-year-old married woman who has been hand-embroidering from her house for 10 years. She embroiders for the people living around her house and uses the income to support her entire family. However, due to financial problems, Kousar is unable to meet the daily demands of her good customers. For this reason, she contacted Kashf Foundation and applied for a loan of PKR 35,000. She intends to use this loan to buy raw material including frames and spools of thread with packs of sequins and glitter in various colors. She is in her seventh loan cycle with good repayment history. Kousar hopes to grow her business and dreams of giving a good and quality education to her children through all her hard work.

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
  • 447
    View loans »
    Pakistan Loans Fundraising
  • $15,084,775
    Funds lent in using Kiva
  • 97.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Kousar to buy raw material including frames and spools of threads with packs of sequins and glitter in various colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 16, 2013
Feb 1, 2013
Currency Exchange Loss:
Feb 17, 2014