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Rubina is 34 years old and a married woman and has been running a business of milk sales with her husband for five years. She has one cow in milk and sells its milk to many of her neighbors, along with butter and cheese that she makes from the milk. She counts a good client list and makes enough to contribute to the family income.

Rubina is a mother of five children, all school-going. She needs to earn much more to meet their everyday expenditures including food, clothing and education. In order to increase her sales, she needs to purchase another cow. For this she requested a loan of Rs 20,000/- from Kashf Foundation. She is on her 4th loan cycle with a good repayment history. She expects a boost in her earnings and dreams of expanding her business further in the near future.

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
  • 485
    View loans »
    Pakistan Loans Fundraising
  • $15,108,650
    Funds lent in using Kiva
  • 100.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Rubina to purchase another cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 19, 2013
Jul 23, 2013
Currency Exchange Loss:
Jul 17, 2014