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Ms. Shamim is a 49-year-old married woman. She has been successfully running a small general store in her community for many years. She offers various goods for daily use. She has good communication skills and counts on a good client list. Her husband is a laborer and does not earn sufficient income to support his family alone.

She is a mother of five children. She is motivated to provide for her family. As she wants to grow her business, she requested a loan of 15,000 PKR to buy rice and flour from the market at lower rates to stock her store. She then would be able to meet the increasing demand. She wishes to utilize part of her revenues for personal expenses and part as business capital.

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
  • 272
    View loans »
    Pakistan Loans Fundraising
  • $17,407,625
    Funds lent in using Kiva
  • 95.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Shamim to buy rice and flour.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 18, 2012
Currency Exchange Loss:
Nov 17, 2013