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Shamim is a 49-year-old married woman. Three years ago she bought a buffalo and began selling its milk when her husband became the family’s only breadwinner. With the passage of time her sales and income increased. Now she has three buffalo.

This has all happened due to Shamim’s courage and determination. Because of her work she is respected in her home. Both she and her husband share in all family and financial matters. While talking to the Kashf officer, she shared the feeling of achievement she got by sending her son to college for further studies.

Shamim is in her fifth loan cycle with Kashf Foundation. She is applying for a 35,000 PKR loan, and along with some of her savings she will buy another buffalo. She expects a boost in her income as her dairy grows.

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
  • 202
    View loans »
    Pakistan Loans Fundraising
  • $14,448,675
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Shamim to purchase another buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 13, 2013
Apr 2, 2013
Currency Exchange Loss:
Apr 16, 2014