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Ms. Fozia is a 36-year-old woman. Four years ago, she started her own business of clothing sales, after her husband had divorced her. She is a very hard-working lady. She didn’t lose hope and contacted Kashf Foundation, upon the advice of her neighbor, to initiate her own business. She buys clothes of different designs from markets, in bulk at lower rates, and resells them at retail in her community. She counts a good customer list; most of her customers are her neighbors. She has gradually improved her business, using several loans from Kashf Foundation. Now she has requested a loan of 40,000 PKR to buy a variety of clothes for the winter season. She expects a boost in her profits through her larger sales. She wishes to use the earned profit on the improvement of her house.

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
  • 166
    View loans »
    Pakistan Loans Fundraising
  • $17,359,675
    Funds lent in using Kiva
  • 95.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Fozia to buy a variety of clothes for the winter season.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 16, 2012
Nov 4, 2012
Currency Exchange Loss:
Nov 17, 2013