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Nafisa is a fifty-one-year-old married woman. For the past five years, she has been selling spices to be used in cooking. She purchases the spices in bulk from a wholesale market and then sells them in packs of various sizes. She has become famous for providing good quality spices in her locality and earns enough to live a decent life. She is a responsible mother of three children and needs to earn more to cover the daily expenditures of her family members. For this reason she requested a loan of 40,000 PKR to buy a stock of salt, red chillies, black pepper and turmeric in large quantities. She is in her fifth loan cycle and has shown good repayment behavior. She wishes to expand 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
  • 220
    View loans »
    Pakistan Loans Fundraising
  • $17,660,300
    Funds lent in using Kiva
  • 102.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Nafisa to buy stocks of salt, red chillies, black pepper and turmeric in large quantities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 19, 2014
Mar 10, 2014
Currency Exchange Loss:
Mar 17, 2015