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Zubaida is a 41-year-old married woman and the mother of nine children.

The income generated by her husband was insufficient to cover all their household expenses, so she started her business seling milk. She has been doing this for many years and has become famous for providing good quality milk in her locality.

With the support of Kashf Foundation, she has gradually improved her business, and recently she has requested a loan of 45,000 PKR to purchase another buffalo. This will help her to increase her sales, which will ultimately help to generate more income for her.

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
  • 334
    View loans »
    Pakistan Loans Fundraising
  • $15,680,075
    Funds lent in using Kiva
  • 102.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Zubaida to purchase another buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 13, 2014
Sep 1, 2014
Currency Exchange Loss:
Jun 17, 2015