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Zubaida is 47 years old, married, and has children. She has enjoyed the work of making Parandas for many years. Parandas are considered as a traditional hair accessory in Pakistan. Women use them for a traditional look on special occasions such as Eid (a holiday) and weddings. Zubaida makes beautiful Parandas, especially for bridal hairstyles.

Zubaida initiated her business with the support of Kashf Foundation. Taking a loan from Kashf helped her account for expenses she thought she could not afford. Zubaida is requesting a loan for 25,000 PKR, which she will use to buy raw material including colorful threads, beads, mirrors, and pearls for embellishment. This would help in attracting more customers. She desires to utilize her revenue on the well-being of her children. Zubaida is striving hard to meet her family's expenditures. She is responsible for providing them with good food, clothing, and 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
  • 209
    View loans »
    Pakistan Loans Fundraising
  • $17,360,725
    Funds lent in using Kiva
  • 97.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Zubaida to purchase raw material including colorful threads, beads, mirrors, and pearls for embellishment.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 16, 2013
Feb 1, 2013
Currency Exchange Loss:
Feb 17, 2014