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Zubaida is a 33 year old married woman. She has been successfully running an animal sales business with the support of her husband (see photo).

Zubaida has one calve and two cows. She looks after the animals while her husband sells them on seasonal basis. They are happily doing it together to support their family. They have two daughters and one son; two of them attend school.

They need to earn much more money to meet their everyday expenditures, including food, clothing and education expenses.

In order to make huge profits, Zubaida requested a loan of Rs 30,000/- to buy one more cow. She expects boost in her earnings with her loan and plans to spend her profits on expanding 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
  • 414
    View loans »
    Pakistan Loans Fundraising
  • $15,144,625
    Funds lent in using Kiva
  • 99.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Zubaida to buy a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jul 4, 2013
Currency Exchange Loss:
Jul 17, 2014