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Najma is a 37-year-old married woman and mother of six. She has been running a business trading cloth for many years. She purchases a variety of fabric from the main city and then sells it to people locally. She has become known for selling good quality cloth in her community.

Najma has requested a loan of 50,000 PKR from the Kashf Foundation to buy bundles of different varieties of cloth for the summer season. She takes into account the choices and tastes of her customers. In this way, she will be able to earn more income through greater sales. She hopes to have a good experience with this loan.

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
  • 374
    View loans »
    Pakistan Loans Fundraising
  • $15,689,950
    Funds lent in using Kiva
  • 101.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Najma to buy bundles of different kinds of cloth for the summer season.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 16, 2014
Aug 27, 2014
Currency Exchange Loss:
Sep 17, 2015