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Etrat is a 46-year-old married woman. For about four years, she has been in the business of selling milk. She has two cows; her business is good enough to give her a decent life. She is very motivated to provide her family with good food, health and clothing. She also sells animals on a seasonal basis to generate an extra amount of income. She has improved her business in order to meet day to day expenses of life. She is happily running her business with the support of Kashf Foundation. Now she has requested a loan of 40,000 PKR in order to purchase another cow. She is hopeful to increase her sales and profits alongside.

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
  • 434
    View loans »
    Pakistan Loans Fundraising
  • $15,128,300
    Funds lent in using Kiva
  • 100.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Etrat to purchase another cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 7, 2014
Aug 26, 2014
Currency Exchange Loss:
Aug 17, 2015