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Shamshad is 38 years old and a mother of four children. For the past three years Shamshad has been running a business of milk sales. She initiated her own business by buying a buffalo to support her family when her husband was the only bread earner at that point in time. With the passage of time her sales increased and also her income. This has all happened due to her courage and determination. Because of her work, she is respected in her home. She helps her husband in all family matters as well as financial matters. While talking to the Kashf officer, she shared the feeling of achievement she got by sending her children to school for further studies.

She has some savings and applied a loan of Rs. 35,000 to purchase another buffalo. She is in her 4th loan cycle with Kashf Foundation. She is hopeful to get an increase in her business income as she expands her business.

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
  • 403
    View loans »
    Pakistan Loans Fundraising
  • $15,152,450
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Shamshad to purchase another buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 17, 2013
Jun 19, 2013
Currency Exchange Loss:
Jun 17, 2014