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Ms. Zarka is a 42-year-old married woman. Three years ago, she started her own business of clothing sales when her husband got severely ill. She didn’t lose hope and contacted Kashf Foundation upon the advice of her neighbor to initiate her own business. She buys clothes of different designs from the market, in bulk, at lower rates and sells them in her community. She counts a good client list, most of her clients are her neighbors. She is a mother of three children, two of them are school-going. Zarka wishes to send the other child to school, but is unable to cover the expenses. She has gradually improved her business. Now she requested a loan of 40,000 PKR. She is going to use this loan to buy an ample variety of clothes in a larger quantity to add to her current ones. She intends to use the earned profits on her children’s education.

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
  • 309
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 97.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Zarka to buy an ample variety of clothes in a larger quantity to add to her current ones.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 11, 2013
Feb 1, 2013
Currency Exchange Loss:
Dec 17, 2013