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Mumtaz is a 26-year-old, married woman. She has been doing a business of clothing sales for six years, with the support of her husband. She is expert in stitching clothes while her husband sells them to the people of her community and in the local market. In this way, they are able to manage their household expenses. Mumtaz is passionate about her work and client demand is strong, but business challenges, combined with family expenditures, frustrate her, nearly every day.

For this reason, she contacted Kashf Foundation and applied for a loan of PKR 20,000. The loan would help her to purchase more raw materials, such as cloth, spools of thread, and zippers in various colors, to meet the customers’ demand, time after time. She expects a boost in her earnings through her increased sales and wishes to spend part of the profits on the betterment of her family members. She dreams to expand her business, in the near 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
  • 357
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 98.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Mumtaz to purchase more raw materials for her business, such as cloth, spools of thread, and zippers in various colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Mar 1, 2013
Currency Exchange Loss:
Feb 17, 2014