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Ms. Naseem is a 53-year-old married woman who has had a business of selling milk for the past five years. She has two cows in milk; she sells their milk to many of her neighbors, along with butter that she makes from the milk. Her business is good enough to enable her to lead her decent life. She is a mother of two children and is very motivated to provide them a beautiful life with good education, food, and clothing. She has improved her business to meet the day-to-day expenses of life. It’s her first year with Kashf Foundation; she is happily running her business through the support of it. She applied for a loan of 20,000 PKR to purchase another cow. She hopes to get an increase in the production capacity of milk which ultimately helps in generating more cash. According to Naseem, Kashf Foundation changed her whole life by providing financial support and also providing awareness and improved decision-making power through training sessions.

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
  • 354
    View loans »
    Pakistan Loans Fundraising
  • $15,690,625
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Naseem to purchase another cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 5, 2013
May 3, 2013
Currency Exchange Loss:
Apr 16, 2014