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Mrs Kalsoom is a 39-year-old, married woman. She has been running a business of selling dairy products, with her husband, for five years. She has two buffaloes in milk, and she sells milk to many of her neighbors, along with butter and cheese that she makes from the milk. She looks after the buffaloes and performs the task of collecting milk from them, while her husband sells milk and dairy products to different places, on a daily basis. They are happily doing the business together, to support their family.

She needs to earn more to meet their everyday expenses, including food, clothing and education. She has been in association with Kashf Foundation for three years. Now she has requested a loan of Rs. 27,000, which she will use to buy one more buffalo, to increase her sales. Kalsoom hopes to get an increase in the production capacity of milk, which ultimately will help her to generate more cash.

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
  • 279
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 98.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Kalsoom to buy one more buffalo, for dairy use.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 15, 2013
Apr 1, 2013
Currency Exchange Loss:
Feb 17, 2014