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Ms Rubeena is a 33-year-old married woman. She has four children, two daughters and two sons. She is striving hard to meet their demands, including food, clothing, and health. The man shown in the photo is Rubeena’s husband, who is a tailor by profession but his income is not sufficient to meet with the daily expenditures of the family members. Therefore, two years ago, Rubeena decided to join her husband’s business to contribute to the family income. She is well familiar with the stitching techniques.

Rubeena took her first loan to buy a sewing machine from Kashf Foundation. At present, she enjoys a great client list and has gained a lot of appreciation and popularity in her community. Now she has requested for a loan of Rs 20,000 to purchase spools of thread with the packs of buttons, ribbons and zippers in various colors. She expects a boost in her earnings and wishes to spend part of it on the betterment of her family members.

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
  • 235
    View loans »
    Pakistan Loans Fundraising
  • $17,650,250
    Funds lent in using Kiva
  • 97.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Rubeena to purchase spools of thread with the packs of buttons, ribbons and zippers in various colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 4, 2013
Feb 1, 2013
Currency Exchange Loss:
Jan 17, 2014