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Zubaida is 23 years old and a vigorous, married woman. For the past five years, she has run a hand-embroidery business. Zubaida is zealous about her work and client demand is strong. But business challenges, combined with family expenditures, frustrate her nearly every day. Zubaida's husband works as a salesperson at a grocery store, but he does not earn enough to support his family. Zubaida’s embroidery patterns are very popular on her street and she is the best earning resource in her household.

Zubaida is requesting a 20,000 PKR loan to buy materials such as threads, sequins, and pearls in large quantities to meet her increasing demand and grow her business. In the future, Zubaida dreams of running a training center for girls of her village. She would like to teach embroidery skills so her students can both help her to expand her business and also earn money for themselves. Zubaida 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
  • 230
    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 $225 helped Zubaida to buy materials such as threads, sequins, and pearls to meet increasing demand.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 24, 2013
Feb 4, 2013
Currency Exchange Loss:
Feb 17, 2014