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Zubaida is a 46-year-old married woman. She is running a business selling animals with her husband, who is also shown in the picture. They have one buffalo, one cow, two goats and one calf. She looks after the cattle while her husband sells them in local market. They are happily doing it together to support their family. They have seven children; only three of them are school-going due to their financial conditions.

They need to earn much more to meet their everyday expenditures, including food, clothing and education. In order to make huge profits, Zubaida requested a loan of 35,000 PKR [Pakistan rupees] to buy two more calves. With this loan, she will definitely expand her business and income level. She is in her second loan cycle with a good credit history.

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
  • 160
    View loans »
    Pakistan Loans Fundraising
  • $17,354,175
    Funds lent in using Kiva
  • 106.4
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Zubaida to buy two more calves.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 3, 2013
Oct 30, 2013
Currency Exchange Loss:
Sep 17, 2014