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Amina is a 44-year-old married woman. She has been running a business selling milk with her husband for many years. At present, she has one cow in milk and sells its milk to many of her neighbors, along with butter and cheese that she makes from the milk. She earns a good amount of income to cover her household expenditures. In order to make huge profits, Amina applied for a loan of PKR 35,000 to buy an additional cow to serve more customers. She hopes to increase her milk production capacity, which will ultimately help in generating more cash. This will be her third loan cycle.

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
  • 465
    View loans »
    Pakistan Loans Fundraising
  • $15,111,200
    Funds lent in using Kiva
  • 98.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Amina to buy one additional cow for her dairy business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 20, 2014
Jun 22, 2014
Currency Exchange Loss:
Jun 17, 2015