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Zubaida is a 54-year-old woman, and a mother of five. She is involved in a business of selling bangles. She always has a great collection to offer, and she is quite familiar with the tastes and demands of her customers. She has gradually improved her business and makes enough to bear her household expenses.

Now, she has requested a loan of 40,000 PKR to buy more varieties of bangles in different colors and designs. In this way, she will be able to increase her net income through increased sales. She is in her 10th loan cycle and has shown good repayment behavior. She dreams of expanding her business and providing a better standard of living for her children.

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
  • 414
    View loans »
    Pakistan Loans Fundraising
  • $15,144,625
    Funds lent in using Kiva
  • 104.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Zubaida to buy more varieties of bangles in different colors and designs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 27, 2013
Sep 8, 2013
Currency Exchange Loss:
Sep 17, 2014