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Shameem is 37 years old; she started a business selling milk last year. Every morning, she milks her three cows and prepares gallons of milk that her son takes to the market, but business was not always this smooth. A year back, Shameem had only one cow. Her husband works as a welder whose income is not sufficient to meet the needs of a family of five.

Life was difficult for the family, as expenses were high and income was minimum. The family was in such circumstances when Kashf’s loan officer found Shameem. After informing her about the organization's services, the loan officer discussed different business prospects for Shameem. Listening to the different opportunities being offered to her, she borrowed 20,000 PKR from Kashf and purchased a new cow. Over time, the family has been able not only to meet basic necessities but also to make additions to their livestock. They are also planning to send their youngest son back to school; he had to leave his education due to the financial crisis at home.

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
  • 244
    View loans »
    Pakistan Loans Fundraising
  • $17,610,375
    Funds lent in using Kiva
  • 95.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Shameem to purchase a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Nov 6, 2012
Currency Exchange Loss:
Nov 17, 2013