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Farzana is a 40-year-old married woman who has been running a business selling milk for many years with the help of her husband. She has three buffaloes for milking purpose. She sells the milk in her area. Her business is doing well enough to pay for her family’s expenses. She has four children. She is a dedicated mother and wants the best for her children. She uses most of the income to pay for her children’s health and education.

This is her third year with Kashf Foundation. Now, she is requesting a loan of 40,000 PKR to purchase one more buffalo for milking. She is hopeful that her business will expand with the help of this loan, and that she will be able to fulfill her dream of providing better living conditions for her children.

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
  • 380
    View loans »
    Pakistan Loans Fundraising
  • $16,478,525
    Funds lent in using Kiva
  • 101.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Farzana to purchase one more buffalo.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 11, 2014
Aug 30, 2014
Currency Exchange Loss:
Jul 17, 2015