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Gulshan had a difficult time after her husband's business failure. She decided to work with her husband to support her family for a better future.

Five years ago she started selling cloths from her house. She purchases variety of cloths from the market at wholesale rates and then sells them to retail customers. Gulshan has retained many customers and earns enough to support her entire family.

However, due to lack of availabile funds, Gulshan is unable to meet the daily demands of her customers. That is why she contacted the Kashf Foundation and applied her third loan of Rs. 35,000, to purchase more variety of cloths of summer season in different colors.

Gulshan expects to boost her net income by increasing her sales.

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
  • 278
    View loans »
    Pakistan Loans Fundraising
  • $14,698,775
    Funds lent in using Kiva
  • 99.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Gulshan to purchase a variety of cloths for the summer season, in different colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 20, 2013
Jul 4, 2013
Currency Exchange Loss:
May 17, 2014