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Ms Razia, a 31-year-old married woman who lives with her husband and children, has been doing hand embroidery work for about five years with the support of her husband, the man shown in the photo. Both work together and make beautiful patterns for the people of their community. Their designs are much in demand, and they earn enough to manage their household expenses.

To meet the demands of their customers without fail, Razia has requested a loan of 20,000 PKR to buy threads in various colors with packs of beads, sequins, and stones for embellishing her designs. She hopes to increase their net income by fulfilling the orders on time. This will be her fifth loan, and she has shown a good repayment history.

Razia aspires to a bright future for her children and desires to build her own house, as they are currently living in a rented house.

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
  • 361
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Razia to buy threads in various colors with packs of beads, sequins, and stones for embellishing her designs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 5, 2013
Apr 26, 2013
Currency Exchange Loss:
May 17, 2014