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Niamat is 41 years old and a vigorous lady. She has been running business selling cloths in her community, and she uses the income to support her entire family.

However, due to the lack of funds, she was unable to meet the daily demands of her customers. For this reason she applied for a loan of PKR 25,000 through the Kashf Foundation and used that money to buy a variety of cloths for the winter season.

It helped her in meeting the demands of her customers consistently. She wishes to grow her business, thereby providing a better standard of living for her family members.

Additional Information

More information about this loan

This Murabaha loan is meant for borrowers living in the Khyber Pakhtunkhwa province of Pakistan, located in the north-west of the country and bordering Afghanistan. Parts of this region remain volatile due to militant activity. This loan is designed to comply with Islamic Law, and therefore doesn't include interest. Instead, Kashf Foundation will purchase goods for the borrower and charge them a small markup fee. For more information on Islamic microfinance, please click here.

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
  • 385
    View loans »
    Pakistan Loans Fundraising
  • $16,478,525
    Funds lent in using Kiva
  • 106.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Niamat to buy a variety of cloths for the winter season.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 9, 2013
Nov 6, 2013
Currency Exchange Loss:
Oct 17, 2014