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Shamshad is a 36-year-old married woman. She has been in the business of running a beauty parlor for three years. She offers many services to her customers, such as makeup, hair styling, and facials. Over time, she has established a regular list of customers so that she makes enough to contribute to the family income.

She needs to deal with more customers regularly. To do this, she requires hair care products, skin products, and creams for bleaching and whitening in large quantities, so she applied for a loan of Rs. 30,000 through Kashf Foundation. She is in her second loan cycle with good repayment history. She is very experienced in her business and confident that her business will move in a positive direction as a result of the investment of the 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
  • 366
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 106.5
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Shamshad to purchase hair care products, skin products, and creams for bleaching and whitening in large quantities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 4, 2013
Nov 2, 2013
Currency Exchange Loss:
Oct 17, 2014