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Ms Zuhra is a 50-year-old vigorous married woman. She has been running a business of hand-embroidery for the past five years. She is passionate about her work and client demand is strong. However, business challenges, combined with family expenditures, frustrate her nearly every day. Her husband is employed in a small factory, but he does not earn enough to support his family well. Zuhra’s embroidery patterns are very popular on her street and she is the best earning resource in her household.

She is a mother of seven children. She wants to grow her business, so she requested a loan of Rs 35,000 to buy raw materials such as threads, sequins and pearls in large quantities to meet the increasing demand. She shared her dream of running a training center for girls of her village. She would teach embroidery skills, so she can help her expand her business help others earn money for themselves. She is also interested in opening her own shop in the market to display her work.

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
  • 245
    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 $375 helped Zuhra to buy raw materials such as threads, sequins and pearls in large quantities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 15, 2013
Feb 1, 2013
Currency Exchange Loss:
Feb 17, 2014