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Komal is 23-year-old married woman; she has three sons living with her. Her husband is a factory employee and able to earn 5000 Rs in a month. Due to the growing prices of basic necessities of life it was very hard for them to survive on the limited income of her husband. One day she told her husband that she wanted to do some work to support his income. Komal’s husband appreciated her idea. One day Komal’s husband bought a digital camera for her with bonus money he received from the factory. Komal started offering photographic services in her neighborhood for events such as weddings, birthdays, etc. With the help of her husband, she built relationships in the market to make prints of all the photos taken at discounted rates.

She is now able to earn a reasonable amount of money from this business. She expressed that the camera she has now is not of good quality, and she has to miss out on clients because camera is not capable of low-light photography. Komal wants to increase the scale of her services and needs another camera of better quality and a reflection umbrella to cater to these customers. For that purpose she is requesting 25000 Rs from Kashf Foundation. It would help her to make her customers more satisfied.

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
  • 96.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Komal to buy another camera of better quality and a reflection umbrella to cater to her customers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 16, 2012
Dec 1, 2012
Currency Exchange Loss:
Dec 17, 2013