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Shama is 32 years old – a vigorous married woman. She has had a business doing hand embroidery for the past six years. She is zealous about her work and knows the art of satisfying her customers very well. However, business challenges combined with family and her own expenditures bother her nearly every day.

Her husband has a donkey cart, but he does not earn enough to support his family well. Shama's embroidery patterns are very popular on her street, and she is the best earning resource in her household. She is a mother of three children. She wants to grow her business and provide a good lifestyle and education for her children.

Shama requested a loan of 20,000 Pakistani rupees to buy raw materials such as reels of thread, sequins and pearls in large quantities to meet with the increasing demand. She dreams of providing quality education for her children for their better future.

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
  • 268
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 95.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Shama to buy raw materials such as reels of thread, sequins and pearls in large quantities to meet with the increasing demand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 9, 2012
Oct 21, 2012
Currency Exchange Loss:
Oct 17, 2013