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Ms. Razia is a 45-year-old married woman. She is the loving mother of four children, two daughters and two sons. She is trying hard to fulfill their needs, including food, health, clothing, and education.

For the past four years, she has been engaged in the business of milk sales with the support of her husband. She performs the task of collecting milk and then sells it to the people of her community. She makes enough to lead a decent life.

In order to increase her sales, she needs to purchase one more buffalo. For this reason, she applied a loan of PKR 40,000 to Kashf Foundation. She is in her fifth loan cycle and has shown excellent repayment behavior. She dreams of giving a good 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
  • 266
    View loans »
    Pakistan Loans Fundraising
  • $17,365,700
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Razia to purchase one more buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 18, 2013
May 5, 2013
Currency Exchange Loss:
Jan 17, 2014