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Ms Muryum is a 47-year-old married woman. She has been doing a business of hand-embroidery for many years. Muryum is a mother of five children. One of her sons is shown in the photo. He assists her in completing orders on time. She receives many orders for special occasions like weddings, parties etc. By this time, she has become famous in her community for providing elegant dresses of unique embroidery patterns to her customers.

In order to fulfill the demands of her customers on time, she needs to purchase more spools of threads, pearls and sequins in various colors. For this, she applied for a loan of Rs. 20,000 from Kashf foundation. She is in her sixth loan cycle with an excellent repayment history. She expects a boost in her net income and wishes to spend part of it on the betterment of her family members. She also aspires to save money to buy her own house in the future.

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
  • 343
    View loans »
    Pakistan Loans Fundraising
  • $16,486,475
    Funds lent in using Kiva
  • 97.3
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Muryum to purchase more spools of threads, pearls and sequins in various colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 9, 2013
Feb 1, 2013
Currency Exchange Loss:
Feb 17, 2014