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Fozia is a 36-year-old lady who enjoys doing the work of hand embroidery. She started doing this work with her daughters. Her embroidery patterns are very popular in her territory. Her husband is employed with a low salary income to meet the household expenses alone. Fozia is motivated to provide her family with the basic necessities of life, including food, clothes and education.

In order to meet the growing demand for embroidery, she needs to buy more frames, needles and threads in different colors. For this reason, she applied for a loan of 35,000 PKR (Pakistani rupees) through Kashf Foundation. She is in her third loan cycle and has shown good repayment behavior. She hopes to have a good experience with the new loan.

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
  • 294
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 102.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Fozia to buy more frames, needles and threads in different colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 23, 2013
Aug 21, 2013
Currency Exchange Loss:
Aug 17, 2014