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Ghulam  Fatma
Ghulam Fatma is 45 years old and a married woman. Her husband is a laborer. She has seven children for a total of nine members in her home. It was very tough for her to manage her household needs with the small income of her husband. Therefore she decided to help her husband in earning.

For this purpose she started her business selling cloth where she buys cloths of different varities from the wholesale market and sells them in her area. Now she is playing a very important role for her family. For the improvement of her business, she applied for a loan of Rs. 40,000 to purchase more variety of cloths in different colors, taking into account the taste and choice of her customers. This will help her to increase her sales which will ultimately help in generating more income for her. She is in her 6th loan cycle with good credit history,

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
  • 303
    View loans »
    Pakistan Loans Fundraising
  • $15,642,300
    Funds lent in using Kiva
  • 108.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Ghulam Fatma to purchase more variety of cloths in different colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 30, 2013
Nov 24, 2013
Currency Exchange Loss:
Nov 17, 2014