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Zareena is a 55-year-old married woman; she has been running a business selling cloth for the past seven years. She sells the cloth in her locality after purchasing it from wholesale at a slightly lower price. She has three children, and this business is the only source of income for her household. Zareena is in her sixth loan cycle with Kashf Foundation and shows a good repayment history. Now, she has requested a loan of 40,000 PKR. With this loan she intends to purchase stock of fancy cloth with greater variety from the market. She hopes to get a good return from her sales, with which she wants to provide for her children.

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
  • 360
    View loans »
    Pakistan Loans Fundraising
  • $15,695,200
    Funds lent in using Kiva
  • 99.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Zareena to purchase stock of fancy cloth with greater variety.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 18, 2014
Aug 20, 2014
Currency Exchange Loss:
Jul 17, 2015