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Ms. Gazala is a 42-year-old married woman. She belongs to a poor family as her husband is a rickshaw driver who can barely meet the needs of his wife and four children.

Ghazala stitches clothes for ladies in her community and manages to contribute to her household income. With her earnings she is sending two of her children to school. However, when Kashf’s BDO met her for the first time, Ghazala was in a challenging phase of her life. Her husband was frustrated with the growing household expenses and none of her children were going to school.

With her loan she bought a new stitching machine and started working as a tailor. She was able to turn around her life with her dedication to work and Kashf’s support for three consecutive years. Currently she requested a loan of Rs 20,000 to purchase one more sewing machine with some reels of thread in different colors so her daughter can assist her in completing orders on time. In future she plans to take orders from a local boutique and will try to become a permanent supplier to them.

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
  • 272
    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 $225 helped Gazala to purchase one more sewing machine with some reels of thread in different colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 24, 2012
Nov 18, 2012
Currency Exchange Loss:
Aug 18, 2013