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Waince is a 45-year-old married woman. She has been in the beauty parlor business for nine years. She offers many services to her customers such as makeup, hairstyling, and facials. She is the mother of five children. Her husband is employed with an income too low to meet the needs of the family members. Through her well provided services, she has become very famous on her street. Waince is interested in buying more of a variety of cosmetic products for the parlor in order to meet the increasing demands of her customers. But because she lacks cash in hand, Waince contacted Kashf Foundation and applied for her third loan of 40,000 PKR to buy hair care products, skin products, and bleaching and whitening creams in large quantities. She hopes to cater to more customers in time. She dreams to expand her business in the near 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
  • 255
    View loans »
    Pakistan Loans Fundraising
  • $17,631,450
    Funds lent in using Kiva
  • 103.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Waince to buy hair care products, skin products, and bleaching and whitening creams in large quantities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 22, 2013
Aug 31, 2013
Currency Exchange Loss:
Sep 17, 2014