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Ms. Irshad is a 41-year-old, vigorous, married woman. She has had a business of hand embroidery for the past 12 years. She is passionate about her work, and client demand is strong. She is famous for providing the best embroidery wedding dresses in her community, but business challenges, combined with family expenditures, frustrate her nearly every day. Her husband is a labor worker, and he does not earn enough to support his family well. Irshad is a mother of six children.

She wants to expand her business. She requested a loan of 30,000 PKRs, to buy raw materials such as reels of thread, packs of sequins, and pearls in different colors. That will enable her to meet the increasing demand for her work. She shared her dream of opening a shop in her town to display her work. She expects a boost in her net income which she intends to utilize on the education of her children and on the expansion of her business.

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
  • $17,414,050
    Funds lent in using Kiva
  • 95.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Irshad to buy raw materials such as reels of thread, packs of sequins, and pearls in different colors for her hand embroidery business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 16, 2012
Nov 5, 2012
Currency Exchange Loss:
Nov 17, 2013