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Ms. Musarat is a 41-year-old married woman. She has been making samosas, which is a fried or baked pastry with a savory filling (such as spiced potatoes, onions, and ground chicken), for the past three years. She sells it to the people of her community and in the local market. Her husband is employed at a small general store and does not earn enough income to provide his family with bread and butter. This compelled her to initiate her own business to support her family.

Musarat has five children. She is motivated to provide them with a beautiful life including good education, food, and clothing. In order to meet customers’ demands time after time, she needs to purchase packs of oil, salt, and spices. For this she applied for a loan of Rs 20,000 from Kashf Foundation. She is in her second loan cycle with a good repayment history. She hopes to get an increase in her sales and desires to use the earned profits for her children’s educations.

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
  • 429
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 97.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Musarat to purchase packs of oil, salt, and spices.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 24, 2013
Feb 9, 2013
Currency Exchange Loss:
Feb 17, 2014