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Ms Safia is a 46-year-old, married woman. She and her husband have been successfully running a business, making sweets, in a shop near their house. She has 20 years of experience in this field. Her husband also assists her by purchasing ingredients from the market, as he has built and maintained many contacts over the years.

Safia is a mother of two children and is motivated to provide her family with good-quality food, clothing and health care. She wants to grow her business, so she requested a loan of PKR 45,000, which she will use to buy packs of oil, sugar and ghee, with which to meet the increasing demand for sweets. She is expecting a boost in her earnings and dreams of expanding her business in the 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
  • 272
    View loans »
    Pakistan Loans Fundraising
  • $14,714,900
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Safia to buy ingredients, like oil, sugar and ghee, with which to make more sweets.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 28, 2013
Apr 2, 2013
Currency Exchange Loss:
Apr 16, 2014