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Salma is a 40-year-old married woman. She has had a beauty parlor business for 10 years. She offers many services to her customers, such as makeup, hairstyling and facials. Through providing her best services, she has become very famous on her street.

To meet the increasing demands of her customers, she is interested in buying a variety of cosmetics for the parlor. But because of having low amounts of cash on hand, she has applied for her ninth loan with the Kashf Foundation.

She has requested a loan of 45,000 Pakistani rupees to buy large quantities of haircare products, skin products and creams for bleaching and whitening. She is hoping to serve more repeat customers. She expects to boost her earnings, and she dreams of expanding her business in the near future.

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
  • 266
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 105.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Salma to buy large quantities of haircare products, skin products and creams for bleaching and whitening.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 16, 2013
Dec 26, 2013
Currency Exchange Loss:
Oct 17, 2014