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Mrs Shamshad is a 41-year-old, married woman. She has been providing a service of packaging, for seven years. She gets orders from factories, which manufacture products and send them to Shamshad for packaging. By this time, she has become very famous for providing good quality services to her customers in her vicinity.

Shamshad is a mother of seven children. She is motivated to provide them a beautiful life with good education, food and clothing. She got married at an early age and faced many problems in running her household. Her husband is employed in a small general store and earns not enough income to provide his family with bread and butter. Due to this reason, she initiated a business of packing beauty products, such as bleach creams, to support the needs of her family members.

She has improved her business to meet the day-to-day expenses of life. It’s her first year with Kashf Foundation, and she is happily running her business with the support of financing from Kashf. She has borrowed a loan of 15,000 PKR to purchase packaging material, such as bundles of wrapping sheets and boxes of good quality, so she can complete the orders on time. She expects a boost in her net income and desires to use the earned profits on her children’s education.

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
  • 271
    View loans »
    Pakistan Loans Fundraising
  • $17,386,950
    Funds lent in using Kiva
  • 96.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Shamshad to purchase packaging materials, such as boxes of good quality, to complete on time the orders for packaging goods, from her factory customers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 13, 2012
Dec 5, 2012
Currency Exchange Loss:
Aug 18, 2013