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Ms. Sajida has been successfully running a business of envelope-making, for the past four years. She buys scrap paper, and after properly cutting and recycling these papers, she makes envelopes of them. She then sells the envelopes to different shops, for packing. Through her business she makes enough of an income to contribute to the family income.

She has four children, all of them school-going. She is responsible for providing them with good food, health care, and education, so she requires earning more income to support her family well. She is taking her third loan from Kashf Foundation, and she requested a loan of 30,000 PKR. She will use the loan to buy bundles of paper, which will enable her to increase her sales. She expects a boost in her earnings, and she wishes to spend the part of profits on the expansion of her business.

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
  • 305
    View loans »
    Pakistan Loans Fundraising
  • $15,673,250
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Sajida to buy more bundles of paper, which she will recycle into more new envelopes to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Apr 23, 2013
Currency Exchange Loss:
Mar 21, 2014