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Zatoon is a 40-year-old married woman who has enjoyed the work of making parandas for so many years. Parandas are considered a traditional hair accessory in countries like Pakistan. Women use it for a traditional look on special occasions, like weddings and Eid (a holiday). Zatoon makes beautiful parandas, especially for bridal hairstyles. She initiated her business with the support of Kashf Foundation. Taking a loan from Kashf helped her to account for expenses she thought she could never bear. She is striving hard to meet her family expenditures. She is responsible for providing her family a good environment, with good food, clothing, and education.

Zatoon needs a loan of PKR 25,000 to buy raw material for embellishment (colorful threads, beads, mirrors, and pearls). It would increase her sales and profits. She is in her 2nd loan cycle with a good repayment 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
  • 265
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 106.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Zatoon to buy raw material including colorful threads, beads, mirrors, and pearls.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 9, 2013
Nov 7, 2013
Currency Exchange Loss:
Nov 17, 2014