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For about 12 years, Surya, age 35, has dealt in the business of milk sales. She has two buffaloes who give milk and sells their milk to many of her neighbors, along with butter and cheese that she makes from the milk. She is happily doing it to support her family as her husband’s income is not sufficient to meet their household expenses alone. She has four daughters and two sons, four of them are school going. In order to increase her sales, she needs to buy one more buffalo to carter to more customers. For this reason she applied for a loan of Rs. 45000 from Kiva partner the Kashf foundation. She is in her fifth loan cycle with a good repayment history. She wishes to spend part of the profits on providing a better standard of living to her children.

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
  • 312
    View loans »
    Pakistan Loans Fundraising
  • $15,673,250
    Funds lent in using Kiva
  • 98.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Surya to buy one more buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 5, 2013
Jun 24, 2013
Currency Exchange Loss:
Jun 17, 2014