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Ms. Noreen is a 41-year-old, married woman. She is the mother of five children.

She is in the business of selling used clothes. Specifically, she buys a variety of old clothes from the main city market and re-sells them to the people of her local community. She started her business because it was very difficult for her to pay for her family's living expenses with the small amount of income generated by her husband. As a result, she decided to help her husband by earning money for the family, and now she plays a very important role in doing just that and supporting her family.

She has been associated with Kashf for the past four years. She is currently requesting a loan in the amount of 35,000 PKR, which will allow her to purchase a greater selection of clothes (in a larger variety of colors and sizes), and which in turn ought to satisfy her customer's demands. With the loan proceeds, Noreen expects to experience a boost in her net income through an increase in sales sales.

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
  • 215
    View loans »
    Pakistan Loans Fundraising
  • $17,686,425
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Noreen to meet customer demand by purchasing additional inventory (e.g., a large variety clothing in different colors and sizes).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 22, 2013
Apr 24, 2013
Currency Exchange Loss:
Mar 21, 2014