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Ms. Salma is a 54-year-old married woman and a mother of six children. She is motivated to provide all facilities of life to her family. Her husband has been running a general store in his community for the last two years. Salma also helps her husband in business by dealing with customers, as she has good communication skills.

To meet the demands of her customers, Salma needs to purchase more packs of biscuits, rice and flour. For this reason, she contacted Kashf Foundation and applied for a loan of PKR 20,000. With the help of this loan, she will be able to meet the increasing demands of her clients and to generate more revenue. She wishes to utilize part of the revenues to deal with personal expenses and to increase business capital.

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
  • 433
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Salma to purchase more packs of biscuits, rice and flour.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 18, 2013
May 5, 2013
Currency Exchange Loss:
May 17, 2014