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Shameem is a 44-year-old married woman. She is running a business of milk-selling with her husband for many years. She has two buffaloes in milk and sells their milk to many of her neighbors. She looks after the cattle and performs the task of collecting milk, while her husband sells door-to-door on a daily basis.

She has two daughters and three sons; three of them are school-going. She needs to earn much more to meet her everyday expenditures, including food, clothing, and education.

In order to make huge profits, she requested a loan of 40,000 PKR to buy one more buffalo to carter to more customers. She expects a boost in her sales and profits alongside. She is in her sixth loan cycle with good credit 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
  • 271
    View loans »
    Pakistan Loans Fundraising
  • $17,631,950
    Funds lent in using Kiva
  • 97.8
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Shameem to buy one more buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 26, 2014
Apr 26, 2014
Currency Exchange Loss:
Apr 17, 2015