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Ms. Komal is a 32-year-old, unmarried, vigorous lady. She has been running a business of hand embroidery for many years to contribute to the family income. Her embroidery patterns are very popular in her community. Due to increased demand for her embroidery designs, she is indulging other women in her business. She is motivated to provide her family with the basic necessities of life including food, clothes and education.

In order to meet the growing demand for her embroidery, she needs to engage some more women. She requested a loan of 40,000 Pakistani rupees (PKR) to buy reels of threads in different colors and packs of beads, sequins and stones for embellishment. In this way, she will be able to cater to more customers consistently. She is hopeful to get an increase in her income by targeting more customers.

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
  • $17,650,250
    Funds lent in using Kiva
  • 98.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Komal to buy reels of threads in different colors and packs of beads, sequins and stones for embellishment.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 23, 2013
May 12, 2013
Currency Exchange Loss:
Apr 16, 2014