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Ms. Musarrat has been making shoes for the last six years. During the year she has experienced low capital because of many problems receiving timely payments. As a result, she was unable to expand her business activities. Since she was afraid to take informal loan from relatives, she contacted Kashf foundation upon the suggestion of her neighbor. She is an energetic person and eager to support her family. As a widow and a mother of six children, she is responsible for fulfilling the basic necessities (food, health, and education) and improving their standard of living.
Her children help her to make shoes. With this support of Kashf Foundation (her 5th loan) she is fulfilling her dreams and is able to manage her children’s education. Her loan request of 40,000 PKR will be used to buy additional shoe materials (leather, plastic soles, etc). In this way she can handle the growing demand of her shoes in the market and, as a result, better support her family.

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
  • 366
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Musarrat to buy materials to make shoes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 19, 2013
Apr 2, 2013
Currency Exchange Loss:
Feb 17, 2014