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Ms. Zarina is a 32-year-old married woman. She is the symbol of a hard worker in her community. Ten years ago, she started the business of stitching as she admits to the fact that both husband and wife are required to work side-by-side to meet the needs of the family members. She knows the techniques of stitches very well and has good clientele.

In order to fast-track her business growth, she started taking loans from Kashf Foundation, and now she in her third loan cycle. This time, she is in need of 35,000 Rs. (Pakistan rupees) because of the upcoming eve of Eid (the religious festival). The orders from customers are at a maximum, so she needs to buy more fancy material like sequins, pearls, artificial stones, threads, utensils, etc., to fulfill the customers' demand. She expects that she will be able to generate more profits, and hence, better support the needs of her family members.

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
  • 322
    View loans »
    Pakistan Loans Fundraising
  • $16,524,375
    Funds lent in using Kiva
  • 95.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Zarina to buy more fancy material like sequins, pearls, artificial stones, threads, utensils, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 5, 2012
Nov 3, 2012
Currency Exchange Loss:
Aug 18, 2013