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Rubina is a 31-year-old woman and is successfully running a small school canteen. She has gained five years of experience in this field and earns enough to meet the needs of the family members. She is a mother of two children and is motivated to provide them with good quality food, clothing and education. She wants to grow her business so she has requested a loan of PKR 40,000 to buy packs of biscuits, cookies, sweets and beverages to cope with the increasing demand at her canteen. She is in her 3rd loan cycle with a good repayment history. She expects a boost in her earnings and dreams of improving her standard of living.

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
  • 403
    View loans »
    Pakistan Loans Fundraising
  • $15,152,450
    Funds lent in using Kiva
  • 103.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Rubina to buy packs of biscuits, cookies, sweets and beverages.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 26, 2014
Mar 9, 2014
Currency Exchange Loss:
Jan 17, 2015