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Ms Uzma is a 26-year-old married woman. She initiated her business of hand-embroidery with the support of the Kashf foundation. She is zealous about her work, and client demand is strong.

But business challenges, combined with family expenditures, frustrate her nearly every day. Her husband is employed as a sales person in a grocery store, but his income is not sufficient to bear the daily expenditures of family members alone. Uzma’s embroidery patterns are very popular on her street, and she is the best earning resource in her household.

In order to cater the demands of her customers without delay, she has requested a loan of Rs 20,000 to buy raw materials, such as spools of threads and packs of sequins and glittering material in different colors. She is hopinmg to get an increase in her net income, which she will use on the renovation of her house.

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
  • 243
    View loans »
    Pakistan Loans Fundraising
  • $17,610,375
    Funds lent in using Kiva
  • 96.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Uzma to buy raw materials, such as spools of threads and packs of sequins and glittering material in different colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 1, 2012
Currency Exchange Loss:
Dec 17, 2013