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Ms Ramzan is a 47-year-old, married woman. She has been successfully running a small general store, with her husband, at the corner of her house. She has gained 16 years of experience in this field. She offers various goods of daily use, and jewelry items. Her husband assists her by purchasing goods to stock the store from the market, as he has maintained many contacts there for years.

She 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 50,000. She will use it to buy a greater variety of bangles, and packs of biscuits and beverages. It will help her to cater to more customers, time after time. 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

  • $3,004
    Average annual income
  • 140
    View loans »
    Pakistan Loans Fundraising
  • $13,320,225
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Ramzan to buy a greater variety of bangles, and packs of biscuits and beverages.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 11, 2013
Apr 26, 2013
Currency Exchange Loss:
May 17, 2014