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Nisar is a 52-year-old married woman. She has been successfully running a small bakery in her community for the last three years. She offers various bakery items such as biscuits, cupcakes, bread rolls, etc. She is an expert in baking and serves her community well. Her husband is employed in a small factory and earns insufficient income to support his family alone but Nisar’s contribution to the family income is enough to give them a decent life.

She is the mother of five children. She is motivated to provide the basic necessities to her family. As she wants to grow her business, she requested a loan of Rs 30,000 to increase her stock of bread and flour and more packs of oil at wholesale rates from the market. She then would be able to meet the increasing demand consistently. She is in her 4th loan cycle and has shown excellent repayment behavior. She wishes to utilize part of the revenues to expand her supplies to the local market.

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
  • 275
    View loans »
    Pakistan Loans Fundraising
  • $17,407,625
    Funds lent in using Kiva
  • 96.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Nisar to increase her stock of bread and flour and more packs of oil.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 16, 2012
Dec 1, 2012
Currency Exchange Loss:
Dec 17, 2013