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Razia, age 42, deals in the business of milk sales. For three years, she has been running her business. She initiated her own business by buying a buffalo. Her aim was to support her family at a time when her husband was the only bread earner. With the passage of time her sales increased and also her income. Now she has three buffaloes. This has all happened due to her courage and determination. Because of her work, she is respected in her home. She helps her husband in all family matters as well as financial matters.

While talking to the Kashf Officer, she shared the feeling of achievement she got by sending her son to college for further studies. She has some savings and applied for a loan of PKR 25,000 to purchase another buffalo. She is in her third loan cycle with a good repayment history. She expects a boost in her business income as she expands 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
  • 359
    View loans »
    Pakistan Loans Fundraising
  • $15,695,200
    Funds lent in using Kiva
  • 100.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Razia to purchase another buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 26, 2013
Jul 20, 2013
Currency Exchange Loss:
Jul 17, 2014