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Frzana is a 41-year-old married woman. She has been running a beauty parlor for the past four years in a corner of her house. She offers many facilities to her customers such as makeup, hairstyling and facials. Due her best efforts at providing services, she has become very famous in her street. She needs to have more customers who come time after time. For this reason, she wants to purchase hair-care products, skin products and creams of bleaching and whitening in large quantities, so she applied for a loan of 40,000 PKR (Pakistani rupees) through Kashf Foundation.

She is in her fourth loan cycle with good repayment history. She is very experienced in her business and confident that her business will move toward a positive direction as a result of the loan investment.

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
  • 416
    View loans »
    Pakistan Loans Fundraising
  • $15,138,750
    Funds lent in using Kiva
  • 105.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Frzana to purchase hair-care products, skin products and creams of bleaching and whitening in large quantities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 16, 2014
Jan 30, 2014
Currency Exchange Loss:
Feb 20, 2015