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Ferzana is a 34-year-old married woman. She has been operating a business of selling bangles for one year in order to contribute to her family's income. Her husband has a job in a factory but makes an insufficient amount of income to fulfill the demands of his family.

Ferzana offers various types of bangles in different colors and sizes to the people of her community. She also sells the sets of bangles in the market at reasonable rates. For the further improvement of her business she contacted Kashf Foundation and applied for a loan of Rs. 30,000. In this way she would be able to purchase more variety of bangles in various sizes, colors and designs. She is expecting a boost in her earnings, and she dreams of expanding her business in the future.

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
  • 275
    View loans »
    Pakistan Loans Fundraising
  • $17,407,625
    Funds lent in using Kiva
  • 99.0
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Ferzana to purchase more variety of bangles in various sizes, colors and designs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 27, 2013
Jul 1, 2013
Currency Exchange Loss:
Jun 17, 2014