Ghulam Hajran, along with her husband, is running a business selling milk. In this way, she can manage her household expenses. She looks after the cattle and performs the task of collecting milk from them on a daily basis. Her husband helps her by selling door-to-door to the people of their community. They also sell animals on a seasonal basis to make an extra amount of money. Currently, she has requested a loan of PKR 40,000 to buy more cattle. She has a very strong credit history and she always believes that hard work is the key factor of her success. She always advises others to use their loans in a productive manner to do good for themselves and for their families.
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.