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Ghulam is 52 years old and married, the mother of three.

She is involved in work of manufacturing "neel" powder, which is used in laundry for whitening the clothes. She has been doing it with the support of her husband (the man in the picture) for the past six years. By this time she has become famous in her community for providing best-quality neel. Her husband assists her, selling it door to door.

Ghulam wants to grow her business, so she has requested a loan of PKR 30,000 to buy good-quality raw materials, such as blue dye and mineral stones. It will help her to meet the increasing demand consistently.

She is expecting a boost in her earnings and dreams of expanding her business in the future.

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
  • 269
    View loans »
    Pakistan Loans Fundraising
  • $14,721,100
    Funds lent in using Kiva
  • 106.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ghulam to buy good-quality raw materials, such as blue dye and mineral stone.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2013
Nov 1, 2013
Currency Exchange Loss:
Nov 17, 2014