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Najma is a 35-year-old married woman and a mother of three. She has expertise in embroidery and has been using her skill to provide for her family for many years. She started this line of work at a very young age. Her embroidery patterns are very popular in her community. Her customers’ demand is increasing day by day but due to lack of capital she is unable to meet those demands. For this reason, she requested a loan of Rs. 35,000 to buy reels of threads in different colors along with packs of beads, sequins and stones for embellishment. She is hopeful of increasing her income by targeting more customers. She dreams for her children's bright future and desires to provide them a better living standard.

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
  • 276
    View loans »
    Pakistan Loans Fundraising
  • $17,631,450
    Funds lent in using Kiva
  • 99.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Najma to buy reels of threads in different colors along with packs of beads, sequins, and stones for embellishment.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 7, 2013
Jun 30, 2013
Currency Exchange Loss:
May 17, 2014