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Ms. Niaz is a 52-year-old married woman; she has been doing a business of milk sales for many years. She has two buffaloes and sells their milk to many of her neighbors. Her business is good enough for her to lead a decent life.

Niaz has five children, and three of them are school-going. She is very motivated to provide them with a beautiful life with good education, food and clothing. Niaz has improved her business to meet the day-to-day expenses of life. Her husband is a pension holder who also assists her in running this business. The milk selling business is a major source of income for meeting their household expenses.

It’s Niaz’s second year with Kashf Foundation; she is happily running her business through support of it. Now she has requested a loan of PKR 30,000 to purchase another buffalo. She hopes to get an increase in the production capacity of milk, which will ultimately help 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
  • 334
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Niaz to purchase another buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 25, 2013
Apr 23, 2013
Currency Exchange Loss:
Mar 21, 2014