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Ulfat is a 35-year-old energetic lady and a mother of six children. Her husband is a laborer and his income is not enough to bear the expenses of the family members. To overcome financial problems she decided to help out her husband by starting her own business raising cattle. She started her business with the support of Kashf foundation. She has cows and buffaloes with some small goats. She looks after them very well and makes a good amount of money to contribute in the family income. She has gradually improved her business by taking loans from Kashf foundation. She requested a loan of.35000 PKR to purchase one more cow. She expects an increase in her earnings and wishes to spend part of it on providing quality education for her children. Ulfat is much admired by the people of her community.

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
  • 210
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 97.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Ulfat to purchase one more cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 19, 2012
Jan 8, 2013
Currency Exchange Loss:
Jan 17, 2014