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Ms. Shamim is 42 years old and a married woman. She has been running a business of caring for animals and selling their milk, with her husband, for many years. They have four buffaloes in milk, and they sell the milk to many of their neighbors, along with butter and cheese that they make from the milk. Shamim looks after the buffaloes and performs the task of collecting milk from them, while her husband sells the dairy products to different places on a daily basis. They are happily doing the work together, to support their family.

She has three daughters and three sons. Two of her children are school-going. The family needs to earn much more, to meet their everyday expenditures including food, clothing, and education. In order to make huge profits, Shamim requested a loan of PKR 35,000, which she will use to buy one more buffalo. The additional milk will enable them to cater to more customers. She hopes to get an increase in the milk-production capacity of the herd, which ultimately helps in generating 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
  • 371
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Shamim to buy one more buffalo, to cater to more customers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 20, 2013
Apr 23, 2013
Currency Exchange Loss:
Apr 16, 2014