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Ms Gulshan is 54 years old and has been successfully doing a business making juice for the past four years. She makes delicious orange juice at home and serves it in her community. She is very popular in her town and appreciated by her customers. She works hard to diversify her livelihood, as she understands that she should not depend solely on the income earned by her husband. Her husband is employed in a general store and earns too little income to support his family alone.

She is a mother of six children and in charge of providing them with the basic necessities of life. Her business has improved gradually. She needs to expand her sales, so she contacted Kashf Foundation and requested a loan of Rs 30,000/- to buy stock of sugar and packs of different flavors to increase production. She is very excited about this new loan and wants to spend a portion of the profits on her children’s education and home renovation.

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
  • $17,386,950
    Funds lent in using Kiva
  • 94.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Gulshan to buy sugar and packs of flavorings to increase production.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 6, 2012
Oct 7, 2012
Currency Exchange Loss:
Oct 17, 2013