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Ms. Safia is a 45-year-old, vigorous married woman. She has been doing a business of hand embroidery for the past two years.

She beautifully makes patterns and becomes famous in her community. She is passionate about her work and client demand is strong, but the business challenges, combined with the family expenditures she faces, frustrate her nearly every day.

Her husband is employed as a sales person in a grocery store. He earns not enough to support his family well, while Safia is the best earning resource of her house, as her embroidery patterns are very popular in her street.

Safia is a mother of three children; all are school-going. She wants to grow her business, so she requested a loan of Rs 25,000 to buy raw material such as reels of thread, packs of sequins, and pearls in large quantity to meet with the increasing demand.

She shared her dreams of running a training center for girls of her village to train them and to transfer her skills, so that they can help her in expanding her business and also earn for them.

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
  • 275
    View loans »
    Pakistan Loans Fundraising
  • $17,631,450
    Funds lent in using Kiva
  • 95.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Safia to buy raw material such as reels of thread, packs of sequins, and pearls in large quantity to meet with the increasing demand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 18, 2012
Nov 5, 2012
Currency Exchange Loss:
Nov 17, 2013