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Razia is a 40-year-old married woman. She has been actively involved in the business of making costume jewelry for three years. The business has great potential for growth, and Razia is trying hard to support her family through her business, as this business is the only source of earning of her family. She is a mother of four children; none of them are going to school. She wishes to send them to school by trying to increase her earnings to afford the educational expenses of her children. In order to meet the orders on time and boost her sales, she applied for a loan of PKR 35,000 to buy raw materials, such as silver and dozens of artificial gems and pearls. She hopes to increase her net income and wishes to use it to provide a good 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
  • 162
    View loans »
    Pakistan Loans Fundraising
  • $17,354,175
    Funds lent in using Kiva
  • 98.9
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Razia to buy raw materials, such as silver and dozens of artificial gems and pearls, for her jewelry-making business.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
May 30, 2013
Jun 29, 2013
Currency Exchange Loss:
Jun 17, 2014