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Ms. Rubina is a 29-year-old married woman. Her husband is a government employee but his income is not sufficient to cover all of their household expenses. She has been running a business of trading clothing for the past two years to contribute to the family income.

She purchases a variety of clothing from the main city and then sells it to the people of her community. She has become well-known for selling good quality clothing. Currently she is requesting a loan of PKR 20,000 from the Kashi Foundation to buy stock of different clothing for the next season. In this way, she will be able to earn more income through higher sales. She is in her fifth loan cycle; her repayment history is remarkable. She dreams to provide a quality education to her children.

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
  • 306
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 98.2
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Rubina to buy stock of different clothing for the next season to meet the demand and preferences of her customers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 22, 2013
Mar 6, 2013
Currency Exchange Loss:
Jan 17, 2014