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Ms. Zabaida is a 46-year-old married woman and a mother of three. She has had a business selling vegetables for four years. The man shown in the photo is Zabaida’s husband. Four years back when her husband was laid off from his job, they faced much trouble in managing the financials of their home. They began to think and after careful observation and seeing the trend of the community they decided to open a vegetable shop outside their home. Both Zabaida and her husband manage to give proper time to their customers by keeping the shop open into the evening. The customers are impressed by their polite behavior and whenever they have to buy the vegetables, they come to their shop.

Kashf played a vital role in starting of their business. At an early stage before the business was established, Kashf gave them loan to meet their financial needs. Now they are in their 5th loan cycle with Kashf, exhibiting good repayment behavior. Now they require an amount of 45,000 Rs so that they can buy more stock of fresh vegetables from market at wholesale rates. She will spend the profit providing a better and more prosperous future 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
  • 223
    View loans »
    Pakistan Loans Fundraising
  • $17,650,250
    Funds lent in using Kiva
  • 96.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Zabaida to buy more stock of fresh vegetables from the market at wholesale rates.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 24, 2012
Nov 19, 2012
Currency Exchange Loss:
Nov 17, 2013