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A few years ago, Shama started a beauty parlor in a room that had been used for storage. She utilized this neglected part of her home for a productive purpose as she knew that her family needed extra income. She also knew that her parents must also be collecting things for her marriage and she needed to support them. She works tirelessly to keep the business running. She told Kashf that it was getting extremely difficult to manage the family as the parlor was running on minimum necessities and clients were hesitant to use the services because of the shortage of necessary items. That’s when she took a loan of RS 20,000 from Kashf and said that she will be investing in buying utensils, cosmetics, creams and makeup kits. She is hopeful to increase her income by facilitating more customers at a time.

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
  • 277
    View loans »
    Pakistan Loans Fundraising
  • $17,386,950
    Funds lent in using Kiva
  • 95.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Shama to buy utensils, cosmetics, creams and makeup kits in larger quantity.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 24, 2012
Oct 18, 2012
Currency Exchange Loss:
Sep 17, 2013