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Zakeria is 31 years old, married, and has two children who attend school. She runs a business of milk sales, which she has been doing for five years. Zakeria has one cow in milk and every morning she milks her cow and prepares liters of milk that her husband takes to the market to sell. She earnss enough to bear the expenses of her family members.

Zakeria is requesting a loan for 20,000 PKR, which she will use to purchase another cow. She will be able to cater to more customers which will help to bring in more cash. Zakeria desires to use part of revenue on the improvement of her house. She needs to expand her business to fulfill the demands of food, clothing, and education.

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
  • 307
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 95.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Zakeria to purchase a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 16, 2012
Nov 7, 2012
Currency Exchange Loss:
Nov 17, 2013