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Suraya is a 31-year-old married woman. She is a mother of three children.

Suraya has a business making garlands with artificial flowers and glittering papers. She is passionate about her work, and client demand is strong. But business challenges, combined with family expenditures, frustrate her nearly every day. Her husband is a government servant of grade 7, but he does not earn enough to support his family well.

Suraya's garlands are very popular on her street, and she is the best earning resource in her household. She wants to grow her business and requested a loan of 30,000 PKR to buy raw materials such as glittering papers and packs of pearls, sequins, and ribbons in various colors for embellishment. In this way she will be able to meet the orders on time and inflate her sales to the local market. She is also interested in opening her own shop in the market to display her work.

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
  • 248
    View loans »
    Pakistan Loans Fundraising
  • $17,646,350
    Funds lent in using Kiva
  • 95.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Suraya to purchase glittering papers and packs of pearls, sequins, and ribbons in various colors for embellishment.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 14, 2012
Nov 17, 2012
Currency Exchange Loss:
Nov 17, 2013