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Sumera is a 32-year-old married woman. She has been in the beauty parlor business for one and a half years. She offers many facilities to her customers such as makeup, hair styling, and facials. By providing the best services, she has become very famous in her street.

In order to meet with the increasing demands of her customers, she is interested in buying more varieties of cosmetic products for the parlor. Because of having low cash in hand, she contacted Kashf Foundation to apply for her first loan. She needs a loan of 30,000 PKR (Pakistani rupees) to buy hair care products, skin products, and creams for bleaching and whitening in large quantities. She hopes to cater to more customers, time after time.

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
  • 336
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 106.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Sumera to buy hair care products, skin products, and creams for bleaching and whitening in large quantities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 9, 2013
Oct 21, 2013
Currency Exchange Loss:
Oct 17, 2014