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Nadia, age 26, is a marred woman and the mother of four children. She has been running a milk-selling business with her husband (also shown in the photo) for many years. She initiated their own business by buying a buffalo to support the family when her husband was the only bread winner at the time. With the passage of time her sales increased, so did her income. Now she has two buffaloes and one cow. This has all happened due to her courage and determination.

Because of her work, Nadia is respected in the home. She helps her husband in all family matters as well as financial matters. She has some savings and has applied for a loan of PKR 55000 to purchase another buffalo. She expects a boost in her income as she expands 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
  • 313
    View loans »
    Pakistan Loans Fundraising
  • $15,673,250
    Funds lent in using Kiva
  • 105.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Nadia to purchase another buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 27, 2014
Mar 6, 2014
Currency Exchange Loss:
Mar 17, 2015