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Shumaila is a 22-year-old married woman. Three years ago, she started a small general store with her husband (who is also shown in the photo) where they sell jewelry and cosmetic items. Her husband also assists her by purchasing the stock of goods from the market as he has maintained many contacts for years.

Shumaila is motivated to provide her family with good quality food, clothing and health. Currently she applied for a loan of PKR 25,000 to buy more jewelry and beauty products such as make-up, lipsticks and creams in order to improve and enrich the business through the availability of more variety of products to meet customer demand. She expects a boost in her earnings and dreams of expanding her business 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
  • 317
    View loans »
    Pakistan Loans Fundraising
  • $15,642,300
    Funds lent in using Kiva
  • 103.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Shumaila to buy more jewelry and beauty products such as make-up, lipsticks and creams.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 6, 2013
Sep 1, 2013
Currency Exchange Loss:
Sep 17, 2014