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Ms. Fozia is a 29-year-old married woman doing a business of selling milk for the past two years. She has three buffaloes and 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 allow her to lead a decent life. She has one son, so she is very motivated to provide her family with a beautiful life.

Fozia has improved her business to meet the day-to-day expenses of life. She has some savings put aside and applied for a loan of Rs. 25,000 to purchase another cow. She hopes to get increase in her net income by catering for more people in her community.

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
  • 353
    View loans »
    Pakistan Loans Fundraising
  • $15,690,625
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Fozia to purchase another cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 10, 2013
May 12, 2013
Currency Exchange Loss:
May 17, 2014