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Schools are the most important institutes for bringing change in underprivileged communities of any country. Here is a story of a woman by the name of Ms. Samina, who was deprived basic necessities in her childhood. She found many problems during her own career building, and found non-conducive environment.

Samina wants to serve her community through quality education. She explained her dream of community-oriented school for the deprived children. She says: “I feel pain for the children who are not going to school because of financial barriers.” She opened her school in 2008 with the help of her husband.

Initially, she was teaching in another building that did not satisfy her eagerness of quality education. In 2008, the school had only two desks, one black board, one box of chalks, one teacher, and 10 students enrolled. She said that she started investing the entire income of her house on the school and waiting for best results.

Samina says: "It was hard time and we were facing many problems. Later on, income increased day by day because of our hardship and continued efforts."

In 2010, she went for a new building to expand her school. In the new building, she enrolled 32 students, and later on the enrollment increased to 95 students. She said during this, the building owner died and his son insists us to pay rent too high. At this point, she shifted her school into her house because of landlord misbehavior. She says that she was very disturbed and her school went down day by day.

She heard about Kashf Foundation through their family friends, and met Kashf staff for school loan purpose. Kashf team briefed her about Kashf School Sarmaya and its procedures. She shared her mission and vision with the Kashf team members. She discussed that if she gets the loan, she can provide many other good opportunities to her learners. She shared that she will construct her school rooms and provide furniture to the students.

She was so pleased to receive a loan of PKR 100,000. She said, children from low income background will get quality education and become responsible citizens.

Additional Information

More information about this loan

This loan is part of Kashf Foundation's effort to provide financial and technical support to schools catering to low-income students in urban slums. With this credit, entrepreneurs running low-cost private schools can fund the operations of their schools, pay teachers, afford capital expenditures, and improve infrastructure. By funding this loan, you will help improve the quality of teaching methods, curricula and facilities, and increase enrollment and retention rates at schools in Pakistan's slums.

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
  • 429
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 105.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Samina to construct her school rooms and provide furniture to her students.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 30, 2013
Currency Exchange Loss:
Mar 17, 2015