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Ms. Razia is a 44-year-old, active married woman and a mother of five children. She faced many problems during her early married life as her husband’s income alone is not sufficient to meet the needs of the family members. This compelled Razia to initiate her business of cosmetic sales to contribute to the family income. She offers various products of good quality and counts a good client list.

To meet the demand of her customers, she needs to purchase more items such as cleansers, facials, lipssticks and packs of makeup kits. For this reason she applied for her second loan of Rs. 30,000 from Kashf Foundation. She expects a boost in her earnings and desires to spend part of the income on providing good and 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
  • 319
    View loans »
    Pakistan Loans Fundraising
  • $16,524,375
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Razia to purchase more items such as cleansers, facials, lipssticks and packs of make-up kits.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 16, 2013
May 23, 2013
Currency Exchange Loss:
Apr 16, 2014