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Shabana is a 33-year-old married woman with two children who is motivated to provide for her family. For the past eight years, she has successfully run a beauty parlor in her area. Shabana has become famous in her community for providing the best quality services such as hair styling, makeup, and facials. Her husband works as a laborer in a factory and does not earn sufficient income to support the family. Shabana makes enough to contribute in the family income.

Shabana is requesting a 15,000 PKR loan from the Kashf Foundation to buy more skin care products, hair treatments, and packs of makeup kits. She will use her loan to meet her increasing client demand. Shabana is in her second loan cycle and has an excellent repayment history. She plans to use part of her profit to provide quality education to her children for their prosperous future.

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
  • 274
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 97.7
    Pakistan Rupees (PKR) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $175 helped Shabana to buy more skin care products, hair treatments, and packs of makeup kits.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 30, 2013
Feb 4, 2013
Currency Exchange Loss:
Mar 21, 2014