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Ms Zanib is a 43-year-old married woman. She has sold milk for 12 years with the support of her husband, also shown in the photo. They have four adult buffalo and two baby buffalo. Every morning Zanib milks her buffalo and prepares the liters of milk for her husband who takes it to the market to sell. They have a good client list and business is good enough to lead a decent life.

Zanib is a mother of eight; one daughter and seven sons. Her sons also help in her business. She is in her sixth loan cycle and has a strong association with Kashf Foundation. She has taken several loans and each time paid back her loan in full and on time. Now she requests a loan of 40,000 PKR to buy one more buffalo to increase milk production and serve more people in her community. She wishes to utilize part of her revenue for her children's education and for them to have a career in the armed forces.

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
  • 247
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 96.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Zanib to buy a buffalo to increase milk production.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 15, 2012
Dec 1, 2012
Currency Exchange Loss:
Dec 17, 2013