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Ambreen is a 28-year-old married woman. She has been successfully running a business of flower making for the last four years. She offers various colorful flowers for decorating homes and events such as birthdays, parties etc. She sells them to the people of her community and also supplies to the local market. She has good communication skills and has a good client list.

Her husband works as a laborer and earns insufficient income to support her family alone. She is motivated to provide for her family. She wants to grow her business so she requested a loan of PKR 40,000 in order to buy raw material such as fabric, glace papers and floral tapes along with packs of paints in various colors. In this way she will be able to meet with the increasing demands of her customers consistently. She wishes to spend part of the revenue to deal with the expenses of her family and to increase her business capital.

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
  • 267
    View loans »
    Pakistan Loans Fundraising
  • $17,714,550
    Funds lent in using Kiva
  • 101.1
    Pakistan Rupees (PKR) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Ambreen to buy raw material such as fabric, glace papers, floral tapes along with the packs of paints in various colors.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 16, 2014
Sep 2, 2014
Currency Exchange Loss:
Sep 17, 2015