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Zinat is a 32-year-old married woman and a mother of three children. She has run a beauty parlor for about four years. She offers many services to her customers such as makeup, hair styling, and facials.

Due to her great service, she has become very well-known on her street. In order to meet the increasing demands of her customers, she is interested in buying a larger variety of cosmetics products for the parlor. Because she has a low amount of cash, she contacted Kashf Foundation and applied for her eighth loan of 45,000 PKR. She wants to buy hair care products, skin products, and bleaching and whitening creams in large quantities.

Zinat is hopeful that she can cater to more customers in time. She expects a boost in her earnings due to her loan, and she plans to spend a part of her profits on her family.

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
  • 273
    View loans »
    Pakistan Loans Fundraising
  • $14,708,500
    Funds lent in using Kiva
  • 107.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Zinat to buy hair care products, skin products, and bleaching and whitening creams in large quantities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 27, 2013
Dec 17, 2013
Currency Exchange Loss:
Oct 17, 2014