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Ms. Hina is a 23-year-old married lady; she is shown with a veil in the picture as she is obliged to maintain religious and social norms. She has a passion for giving quality education to her community and receiving happiness from children. She opened her school in April, 2013 with 20 students and 2 teachers. She says, “My house is surrounded by many government and private schools. All these schools have different schemes of studies and teachers cannot meet the level of the students. Student’s learning disabilities are increased day by day. Our students received information in an inappropriate way and could not apply these lessons in real life. I opened this school so I can give authentic, proper, and inclusive education to the students.”

She says that now we are facing many challenges due to the commercialization of education. Education means enhancing students’ abilities through effective learning. Parents can not realize how their children are treated in school and how their children get into problems.” Hina is catering to students’ learning disabilities through focusing on primary education. She says, "I have the aim to concentrate on children's basic learning and its effective implementation in real life."

She also says, "I am a very old client of the Kashf foundation and feel happy to know about the new initiative of the Kashf foundation for schools." She requests a loan of Rs. 100,000 for furniture, computers, and printed copies. She says “Kashf solved my big problem with the financial barrier." Hina plans to improve her school's enrollment and ensure quality education through inclusiveness.

Additional Information

More information about this loan

This loan is part of Kashf Foundation's effort to provide financial and technical support to schools catering to low-income students in urban slums. With this credit, entrepreneurs running low-cost private schools can fund the operations of their schools, pay teachers, afford capital expenditures, and improve infrastructure. By funding this loan, you will help improve the quality of teaching methods, curricula and facilities, and increase enrollment and retention rates at schools in Pakistan's slums.

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
  • 231
    View loans »
    Pakistan Loans Fundraising
  • $17,650,250
    Funds lent in using Kiva
  • 105.7
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $950 helped Hina to buy furniture, computers, and printed copies to use in her school.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 30, 2013
Currency Exchange Loss:
Apr 17, 2015