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Sofia, age 25, operates a business making and selling spices. With the support of her husband (shown with her in the picture), she has run her business for many years. Sofia makes the spices by grinding chili peppers, cloves, and cardamom, while her husband assists her in packaging them and then selling them to people in their community.

Sofia and her husband have retained a regular list of customers and earn enough to meet the household expenses. They have three children.

To cope with the increasing demand of her customers, Sofia requested a loan in the amount of Rs. 20,000, which she will use to purchase chili peppers, cloves, and cardamom in larger quantities.

She hopes to see a boost in her earnings and wishes to spend the better part of her profits on the improvement of her family's standard of living.

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
  • 296
    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 Sofia to purchase chili peppers, cloves, and cardamom in large quantities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 12, 2013
Mar 1, 2013
Currency Exchange Loss:
Feb 17, 2014