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Ms Kishwer is a 22-year-old lady. To earn a living, she has been doing stitching and sewing work for the last month. She decided to start her business so that she could contribute to her family's income. She sews for people living near her house and uses the income to support her entire family. However, due to a lack of capital, she is unable to meet the daily demands of her customers.

She is currently in her second loan cycle and has borrowed 20,000 PKR from Kashf. She intends to use the requested loan amount to buy additional raw materials such as spools of threads, laces, and zippers in different colors. As a result of the loan proceeds, she hopes to increase her revenues so that she is better be able to improve her living conditions.

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
  • 376
    View loans »
    Pakistan Loans Fundraising
  • $16,478,525
    Funds lent in using Kiva
  • 96.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Kishwer to satisfy demand by purchasing additional raw materials (e.g., spools of thread, laces, and zippers).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 22, 2012
Dec 5, 2012
Currency Exchange Loss:
Dec 17, 2013