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Umar is a 42-year-old married woman. She is a mother of six children and is motivated to provide for her family.

She has been successfully running a small general store in her community for the last year. She offers various goods for daily use. She has good communication skills and counts a good client list. Her husband is employed in a small factory and earns insufficient income to support his family alone.

As she wants to grow her business, she requested a loan of PKR 35,000 to buy stock of rice, sugar and flour from the market at lower rates. She then would be able to meet the increasing demand consistently.

She is in her third loan cycle and has shown excellent repayment behavior. She wishes to use part of revenues to deal with personal expenses and to increase her business capital.

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
  • 343
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 104.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Umar to buy stock of rice, sugar and flour.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 20, 2013
Sep 3, 2013
Currency Exchange Loss:
Sep 17, 2014