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Iram is a 25-year-old married woman and the mother of three children. She has been running a business selling used clothing and bags with her husband (in the photo) for the last few years. They purchase a variety of used bags from the main city and then sell them to the people in their area. Iram's husband has become famous for selling good quality used bags in the community.

Iram is in her 4th loan cycle. She has asked Kashf Foundation for a loan of PKR 45,000 to buy stock of different used clothing and bags, taking into account the choices and tastes of their customers. This loan would enable Iram to earn more income through greater sales. She hopes to have a good experience with this new loan and wants to grow her business. She dreams of giving a good and quality education to her children through all her hard efforts in her business.

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
  • 353
    View loans »
    Pakistan Loans Fundraising
  • $15,690,625
    Funds lent in using Kiva
  • 105.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Iram to buy stock of different used clothing and bags.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 19, 2014
Mar 3, 2014
Currency Exchange Loss:
Feb 20, 2015