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Ms Shehnaz is a 38-year-old married woman. She has been successfully running a cosmetic retail business for one year. She sells make-up kits, lipsticks, different types of cleansers, and lotions to the people in her community. She has a good client list and makes enough to lead a decent life. In order to cater to more customers, she needs to purchase various creams and make-up kits with packs of lipsticks and lip glosses. For this she contacted Kashf Foundation and applied for a loan of Rs 20,000. She expects an increase in her earnings through her increased sales. She wishes to spend a part of her profits on the expansion of 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
  • 262
    View loans »
    Pakistan Loans Fundraising
  • $17,365,700
    Funds lent in using Kiva
  • 97.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Shehnaz to purchase various creams and make-up kits with packs of lipsticks and lip glosses.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Feb 1, 2013
Currency Exchange Loss:
Feb 17, 2014