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Razia is a 52-year-old, vigorous, married woman, and mother of six children. She has had a hand-embroidery business for the past fifteen years. Two of her daughters also assist her in making beautiful patterns. She is zealous about her work, and client demand is strong. But business challenges, combined with family expenditures, frustrate her nearly every day. Razia’s embroidery patterns are very popular on her street and she is the highest income earner in her household. She wants to grow her business, so she requested a loan of 30,000 PKR to buy raw materials such as different colored thread, sequins, and pearls. The loan will help her complete her customers' orders on time. She dreams of opening her own shop in the market to display her work.

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
  • 429
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 106.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Razia to buy raw materials such as different colored thread, sequins and pearls.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 11, 2013
Oct 4, 2013
Currency Exchange Loss:
Oct 17, 2014