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Perveen is a 46-year-old married woman who has been running a business of milk selling for the last many years. She has two cows in milk and sells their milk to many of the neighbors. She also looks after buffaloes and performs the task of collecting milk from them, selling it at different places on a daily basis. In this way she is able to obtain a good profit. She also sells animals to generate an extra amount of income.

She is happily running the business to support her family. She has 4 children. She needs to earn much more to meet the household expenditures, including food, clothing and health. In order to make more profit, Perveen has gotten her 7th loan of 40,000 PKR to buy one more cow in order to cater to more customers. She hopes to get an increase in the production of milk which will ultimately help in generating more cash.

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
  • 280
    View loans »
    Pakistan Loans Fundraising
  • $14,699,975
    Funds lent in using Kiva
  • 100.9
    Pakistan Rupees (PKR) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $400 helped Perveen to buy one more cow.
90% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 16, 2014
Aug 28, 2014
Currency Exchange Loss: