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Ms. Gulshan is a 37-year-old married woman and a mother of seven children. She has been successfully running a business of hand-embroidery for many years. She is a very energetic and ambitious woman and strives hard to contribute to the family income. She is zealous about her work, and client demand is strong. In order to cope with the increasing demand of her customers, she applied a loan of 20,000 PKR from Kashf Foundation. She intends to utilize this loan amount to purchase more spools of threads and packs of sequins and stones for embellishments. She is in her 4th loan cycle with a good repayment history. She wishes to spend a part of the revenues on the betterment of her family members.

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
  • 295
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 98.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Gulshan to purchase more spools of threads and packs of sequins and stones for embellishments.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 24, 2013
Mar 1, 2013
Currency Exchange Loss:
Feb 17, 2014