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Roubi is 44 years old and married. She is a contented client of Kashf foundation who helps her husband in the business of shoemaking. Her husband has been attached to the business for about 15 years. He worked really hard in making shoes by hand.

Years later, Roubi got knowledge about the cost-effective financial services of Kashf foundation. She applied for a loan to expand their business and purchase the raw materials, such as soles and plastic leather in the amalgamation of shoes to gain the maximum.

But to prepare the maximum number of shoes manually was hard and took time. After the acquisition of next loan, they purchased a shoe-stitching machine. Moreover, their sons assisted in the same business, to make the work easy and maximize the production. Their sale increased up to double, and profit got healthier consequently.

Now one of her son deals in sales and marketing in the local market, and they are reaping the reasonable benefit from their well established business. Their joint efforts enable them to cover the expenditures of all the basic amenities of life, like utilities, electrical home appliances, personal conveyance (motorbike), health facilities,etc.

At present Roubi has requested a loan of Rs. 40,000 to buy more raw materials, such as leather, plastic leather, soles, and reels of threads. In this way, she would be able to cater to more customers consistently.

As a future plan, they are eager to expand their business by manufacturing different types of shoes, such as school shoes, kids shoes, etc., to cater to many customers.

Roubi openly acknowledge the services provided to all clients by Kashf Foundation at their doorstep, such as education and training in financial activities like budgeting, savings, information about various facilities of depositing their monthly installment at the nearest UBL Omni outlet, due awareness, and training about their respective business's growth.

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
  • 271
    View loans »
    Pakistan Loans Fundraising
  • $17,631,450
    Funds lent in using Kiva
  • 94.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Roubi to buy more raw materials, such as leather, plastic leather, soles and reels of threads.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Aug 30, 2012
Oct 7, 2012
Currency Exchange Loss:
Sep 17, 2013