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Najma is 27 years old and married. Eight years ago, she started her own business running a beauty parlor in her own house after separating from her husband. She was worried but she didn’t lose hope and contacted Kashf Foundation upon the advice of her neighbor to establish her business. She has gradually improved her business with the support of Kashf Foundation. She purchased better quality materials and some furniture for the parlor. She counts a good client list, and most of her clients are her neighbors. To meet the requirements of her parlor, she has requested a loan of 30000 PKR. She is going to use this loan to buy good quality kits for bridal makeup and packs of beauty and skin care products. She wishes to spend part of her profit on the expansion of her business.

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
  • 264
    View loans »
    Pakistan Loans Fundraising
  • $17,365,700
    Funds lent in using Kiva
  • 97.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Najma to buy good quality kits for bridal makeup and packs of beauty and skin care products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 7, 2012
Jan 1, 2013
Currency Exchange Loss:
Nov 17, 2013