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Ms. Arzoo has been doing the work of hand-embroidery for the past five years. She is very talented and excels in her work. She has gotten a lot of appreciation from her community. But business challenges, combined with family expenditures, frustrate her nearly every day. Her husband is a bread earner, but he does not earn enough to support his family well. Arzoo’s embroidery patterns are very popular on her street, and she is the best earning resource in her household.

She is a mother of four children. For the growth of her business, she requested a loan of 25,000 Rs (Pakistani rupees) from Kashf foundation to buy raw materials such as thread, sequins and pearls in large quantities to meet with the increasing demand. She shared her dream of running a training center for girls of her village. She would teach embroidery skills, so they can help her expand her business, and also earn money for themselves.

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
  • 246
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 97.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Arzoo to buy raw materials such as thread, sequins and pearls in large quantities to meet with the increasing demand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 3, 2012
Jan 1, 2013
Currency Exchange Loss:
Dec 17, 2013