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Ms Shamim is a 38-year-old, energetic, married woman. For the last three years, she has been in the business of manufacturing "waan" which is a material used in making charpoy (a bed consisting of a frame strung with tapes or light rope). She offers various kinds of waan in different colors, and she is famous in providing good quality waan in her community. In this way, she is able to manage the needs of her family members. Her husband also assists her in making waan and then supplying to the people of their community and in local market. She is a mother of four children, two of whom are school-going. She requires improving her business so she applied for a loan of 33,000 PKR to buy another waan-making machine for her husband to assist her in his free time. While speaking to a loan officer at Kashf, she said her children have never slept without having a meal ever since she started working on her own. She wishes to utilize part of the revenue for the betterment of her family.

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
  • 213
    View loans »
    Pakistan Loans Fundraising
  • $13,109,125
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Shamim to buy another waan-making machine for her husband to assist her in his free time.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 17, 2013
Apr 26, 2013
Currency Exchange Loss:
May 17, 2014