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Shamsa has expertise in doing machine embroidery and is has used her skill to provide for her family for over five years now. During the initial years of her business, she barely made enough money to purchase the required material. Today she is proud to be famous in her community as the best at making beautiful patterns with thread and beads. Three years ago, when she borrowed from Kashf for the first time, she purchased spools of thread with some packs of beads and pearls. Now, she has requested another loan worth Rs. 40000 to purchase a new machine with more packs of threads and sequins in different colors. She says that the females in her community have become demanding over time and satisfying them is a challenge that Shamsa has taken up. She has four children, two in school. She wishes to provide them quality education for prosperous futures.

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
  • 279
    View loans »
    Pakistan Loans Fundraising
  • $14,700,975
    Funds lent in using Kiva
  • 98.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Shamsa to purchase a new machine with more packs of threads and sequins in different colors.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 31, 2013
Jun 24, 2013
Currency Exchange Loss:
Jul 17, 2014