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Mumtaz is a 36-year-old, energetic, married woman. For the last three years, she has been doing a business of manufacturing a ‘waan,’ which is a material used in making charpoy -- a bedstead of woven webbing or hemp stretched on a wooden frame on four legs, common in Pakistan. She offers various kinds of waan in different colors and she is famous in providing good quality waan in her community. In this way, she is able to manage the needs of her family members. Her husband’s income is not sufficient to meet the needs of the family members alone. Mumtaz is a mother of three children.

She requires improvement of her business, so she applied for a loan of PKR 25,000 to buy another waan-making machine, to make the waan with high quality thread, to increase sales. She wishes to spend part of the profit 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
  • 244
    View loans »
    Pakistan Loans Fundraising
  • $17,610,375
    Funds lent in using Kiva
  • 98.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Mumtaz to buy another waan-making machine, to make the waan with high quality thread, to increase her sales.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 13, 2013
Mar 1, 2013
Currency Exchange Loss:
Mar 21, 2014