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Razia, age 33, is a married woman and has been running a business of milk selling for many years with the support of her husband who is also shown in the photo. She has two buffaloes in milk and sells their milk to many of their neighbors, along with butter and cheese that she makes from the milk. She has four children; two daughters and two sons, all of them are school going. She needs to earn much more to meet their everyday expenditures including food, clothing and education. Now she is in her 6th loan cycle with Kashf Foundation and has applied for a loan of 40,000 PKR. In order to make huge profits, she requested for a loan of Rs 40,000/- in order to buy one more buffalo to cater to more customers. She hopes to increase the production capacity of milk which ultimately helps 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
  • 279
    View loans »
    Pakistan Loans Fundraising
  • $14,700,975
    Funds lent in using Kiva
  • 101.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Razia to buy one more buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 13, 2014
Sep 2, 2014
Currency Exchange Loss:
Aug 17, 2015