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Najma, 48, has been engaged in the business of selling milk for about 20 years. She has five buffaloes and five cows in milk. She sells their milk to many of her neighbors, and she earns a good income, to contribute to the family income. She has two daughters and one son; all are school-going. She is highly motivated to provide them a beautiful life, with good education, food and clothing. She has improved her business to meet the day-to-day expenses of life. This is her fourth year with Kashf Foundation. She is happily running her business with its support. Now she has applied for a loan of PKR 5,000 to buy one more cow. She hopes to increase her earnings through her increased sales.

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
  • 316
    View loans »
    Pakistan Loans Fundraising
  • $16,524,375
    Funds lent in using Kiva
  • 98.6
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Najma to purchase one more cow for her dairy business.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 29, 2013
Jun 14, 2013
Currency Exchange Loss:
Jun 17, 2014