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Koser is a 31-year-old, married woman. She is a motivated mother of three children and she is trying hard to fulfill their demands, including food, clothing, and health.

Koser has been running a small beauty parlor in her house to contribute to her family's income. She offers many efficient services to her customers, such as facials, haircuts, and makeup.

Her business is at an initial stage and she wants to expand her business to meet the increasing demands. For this reason, she applied for a loan of PKR 30,000 to buy in large quantities more hair care products, skin products, and creams for bleaching and whitening.

Koser is in her third loan cycle with a good loan history. With the help of the loan, she will not only purchase a variety of products, but will also be able to meet her household expenditures.

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
  • 456
    View loans »
    Pakistan Loans Fundraising
  • $15,121,950
    Funds lent in using Kiva
  • 100.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Koser to buy in large quantities more hair care products, skin products, and creams for bleaching and whitening.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 12, 2013
Jul 12, 2013
Currency Exchange Loss:
Jul 17, 2014