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Razia is 51 years old, married, and has three children who attend school. She has had a business of hand embroidery for the past five years. Two of her daughters (seen in the photo) assist her in making beautiful patterns. Razia is zealous about her work and client demand is strong.

Business challenges, combined with family expenditures, frustrate Razia nearly every day. Her husband is employed as a sales person in a grocery store, but he does not earn enough to support the family. Razia’s embroidery patterns are very popular on her street and she is the best earning resource in her household.

Razia is requesting a loan for 20,000 PKR, which she will use to buy raw materials such as thread, sequins, and pearls in large quantities to meet the increasing demand of her customers. She dreams of running a training center for girls in her village. She would like to teach embroidery skills, so they can help her expand her business and also earn money for themselves. She is also interested in opening her own shop in the market to display her work.

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
  • 345
    View loans »
    Pakistan Loans Fundraising
  • $16,486,475
    Funds lent in using Kiva
  • 95.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Razia to purchase raw materials such as thread, sequins, and pearls.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Oct 17, 2012
Currency Exchange Loss:
Oct 17, 2013