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Kousar, age 41, is running a food stall in her street with the support of her husband. She makes delicious ‘Dahi Bhallay’, which is a dish consisting of balls made from ground lentils, deep fried and served in a yogurt sauce. She has worked hard to gain popularity and recognition within her town. With the increase in the price of vegetables and lentils, she was barely able to produce enough to make a good sale. Two years ago, Kousar borrowed funds for her business from Kashf Foundation, hoping to revive it. Today, she has been successful in consistently making sales and earning a healthy revenue from the business. In order to increase her sales, she needs to purchase packs of flour, oil, salt and spices. For this reason, she applied for a loan of Rs 40,000 from Kashf Foundation. She is in her third loan cycle with a good repayment history. She wishes to spend part of her revenue on expansion of her business.

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
  • 307
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 98.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Kousar to purchase packs of flour, oil, salt and spices.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 14, 2013
Jun 9, 2013
Currency Exchange Loss:
May 17, 2014