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Ms. Nizakat is a 44-year-old married woman. She has been in the business of cloth trade for many years. She buys bundles of cloths in various designs and colors from the market and then sells them to the people of her community. She has become famous for providing good quality cloths of various fabrics.

She is a mother of six children, and her husband is a retired person whose pension is not enough to cover the needs of the family members alone. Therefore, she began her own business to contribute to the family income. In order to purchase more variety of cloths in different colors and designs, she requested a loan of Rs. 40,000 from Kashf Foundation. She is in her 5th loan cycle and has shown excellent repayment behavior. She hopes to see an increase in her net income and desires to spend part of 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
  • 475
    View loans »
    Pakistan Loans Fundraising
  • $15,107,750
    Funds lent in using Kiva
  • 97.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Nizakat to purchase more variety of cloths in different colors and designs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 16, 2013
Feb 9, 2013
Currency Exchange Loss:
Dec 17, 2013