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Zakiya is a 45-year-old housewife and mother of four. Her husband has been running a barber shop for 10 years. The man shown in the photo is Zakiya’s husband. He is efficiently doing his job and earns enough to fulfill the basic necessities of life. He is very famous in his town and counts a good client list.

He wants to expand his business but minimum resources restrict him from doing so. Zakiya, on behalf of her husband, requested a loan of amount Rs 25,000 to buy more packs of hair coloring, shaving creams and cleansers. He also plans to employ one person who will assist in catering to more customers at a time. He is hopeful to get an increase in income and desires to utilize part of the income for the betterment of their children.

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
  • 355
    View loans »
    Pakistan Loans Fundraising
  • $16,479,225
    Funds lent in using Kiva
  • 94.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Zakiya to buy more packs of hair coloring, shaving creams and cleansers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 6, 2012
Oct 4, 2012
Currency Exchange Loss:
Oct 17, 2013