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Kalsoom is a 49-year-old married woman, doing business selling milk for the past 10 years. She has two calves and one dairy cow. She sells milk to many of her neighbors, along with butter that she makes from the milk.

Her business is good enough for her to lead a decent life. She is very motivated to provide her family a beautiful life with good, food, and clothing. She has improved her business to meet the day-to-day expenses of life. She also sells animals to generate an extra amount of income.

It’s her fourth year with Kashf Foundation. She is happily running her business through the support of it. Now, she requested a loan of PKR 45,000 to purchase one more cow. She hopes to get an increase in the production capacity of milk, which ultimately helps in generating more cash.

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

  • $3,004
    Average annual income
  • 139
    View loans »
    Pakistan Loans Fundraising
  • $13,288,575
    Funds lent in using Kiva
  • 105.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Kalsoom to purchase one more cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 17, 2013
Dec 27, 2013
Currency Exchange Loss:
Jan 17, 2015