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Najma is a 31-year-old married woman and a dedicated mother of four children. The man shown in the photo is Najma’s husband, who has been running a donkey cart for five years. He transfers things from one place to another and makes a reasonable amount of income through his business to meet the family expenses.

In order to purchase a bigger size wooden cart, Najma requested a loan of Rs. 25,000 from Kashf Foundation. In this way her husband would be able to carry more things at once, such as vegetables and fruits, to save his time. Najma expects a boost in her husband’s income and wishes to spend part of the profits 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
  • 415
    View loans »
    Pakistan Loans Fundraising
  • $15,138,750
    Funds lent in using Kiva
  • 97.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Najma to purchase a bigger size wooden cart.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 23, 2013
Feb 1, 2013
Currency Exchange Loss:
Feb 17, 2014