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Ms Musarat is 54 years old and married. She has been doing a clothing trading business for many years. She purchases clothes in bulk from the market at wholesale rates and then sells them to the people of her community. Most of her clients are her neighbors and she is making enough to lead a decent life. Her husband is employed in a small retail store but his income is not sufficient to meet the daily expenditures of his family members alone. Musarat is contributing very much to the family income to support her family through all her hard work. Her customer base is diverse and varied. She is much in demand and highly appreciated among her customers. However, due to low cash in hand, she is facing difficulties in fulfilling the demands of her customers. For this reason, she requested a loan of Rs 15,000 to buy a wide variety of clothes in different colors and designs to add to her inventory. She aspires to save money for the expansion 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
  • 346
    View loans »
    Pakistan Loans Fundraising
  • $16,479,525
    Funds lent in using Kiva
  • 97.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Musarat to buy a wide variety of clothes in different colors and designs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 15, 2013
Feb 1, 2013
Currency Exchange Loss:
Jan 17, 2014