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Rafiqan is 40 years old and a married woman. She has six children; she is striving hard to meet their needs, including food, clothing and health care. She started her business of embroidery, to contribute to the family income. She is expert in embroidery and makes beautiful-looking embroidery on cloth. Her customers are based in her community or from nearby areas. At present, she enjoys a great customer list, and her work has gained a lot of appreciation and popularity in her community.

She initiated her business with the support of Kashf Foundation. Currently, she has requested a loan of Rs. 15,000 to buy a stock of thread in different colors, with packs of pearls, sequins and stones, for embellishment. These supplies will help her to meet the orders of her customers, without fail. She hopes to grow her business and dreams of giving a good and quality education to her children, through all her hard work in 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
  • 269
    View loans »
    Pakistan Loans Fundraising
  • $14,718,825
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Rafiqan to buy a stock of thread in different colors, with packs of pearls, sequins and stones, for embellishment.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 29, 2013
Jun 19, 2013
Currency Exchange Loss:
Jun 17, 2014