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Manzoran is a 53-year-old married woman. She has ten years of experience in the field of embroidery. She has become famous for providing unique and attractive embroidered designs in her community and in the local market. The retailers wait for Manzoran to bring in her well-prepared inventory, and they pay her well for her hard work.

However, Manzoran’s business was not this successful in past years. She had few resources, especially material and machines for embroidery, and mobility was not so easy. Her five children were barely provided with basic necessities, for their father was the sole breadwinner and did not make sufficient income to support the family’s growing needs. It was in such challenging circumstances that Manzoran borrowed funds from Kashf and invested them in her fading business. She has been associated with Kashf for four years. Now she has requested a loan of 25,000 PKR to buy reels of thread in different colors and packs of sequins, pearls and glittering material to embellish her clothes. She is hopeful that she can increase her net income by making orders on time. She desires to provide a high-quality education to her children.

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
  • 265
    View loans »
    Pakistan Loans Fundraising
  • $17,407,625
    Funds lent in using Kiva
  • 95.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Manzoran to buy reels of thread in different colors and packs of sequins, pearls, and glittering material.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Nov 7, 2012
Currency Exchange Loss:
Nov 17, 2013