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Ms Salma is a 42-year-old married woman. For the past 10 years, she has been successfully running a milk-selling business with her husband. She is a mother of six. Two of her sons are doing agriculture work. She has three buffalo and sells their milk on a daily basis. Milk selling is her major source of income for meeting all household expenses. Salma has become famous in her area for providing good quality milk. She has a good client list and makes enough to contribute to her family's income. Salma has improved her business to meet the day-to-day expenses of life. She is happily running her business. Now she requested a loan of Rs 30,000 to purchase another buffalo. She hopes to get an increase in her production capacity, which will ultimately help in generating more cash. She dreams of expanding her business in the future.

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
  • 373
    View loans »
    Pakistan Loans Fundraising
  • $16,478,525
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Salma to purchase another buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 6, 2013
May 15, 2013
Currency Exchange Loss:
Mar 21, 2014