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Ms. Irshad, age 45, runs a retail shop on a small corner outside her house. She has operated her business for the last four years and it has helped her to bring in a reliable source of income for the family, pay utility bills, and save enough so her children can go to school. She and her husband have three children.

Irshad is a good business woman and is doing well for her family. She recently borrowed Rs 25,000 and used it to buy rice, beverages, and a digital weighing machine for her retail store. She is hopeful that she will earn more profits through the increase in sales. She has taken out several loans and her repayment behavior is good.

Irshad dreams of sending her children to school so eventually they can provide for their families in a much better way. She says that with Kashf’s help and her own hard work she will eventually make this possible.

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
  • 264
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 94.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Irshad to buy rice, beverages and digital weigh machine for her retail store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 12, 2012
Oct 7, 2012
Currency Exchange Loss:
Aug 18, 2013