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Rubina is a 30-year-old married woman. She has operated a beauty parlor for three years. She offers many services to her customers such as make-up, hair styling and facials. Over time she has attained a regular list of customers and makes enough to contribute to her family's income. She needs to deal with more customers and now requires hair care products, skin products and creams of bleaching and whitening in large quantities. She applied for a loan of 40,000 PKR through Kashf Foundation. She is on her third loan and has a good repayment history. She is very experienced in her business and confident that her business will move toward a positive direction as a result of the loan investment.

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
  • 268
    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 Rubina to buty hair care products, skin products and creams of bleaching and whitening in large quantities.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 21, 2014
Sep 2, 2014
Currency Exchange Loss:
Sep 17, 2015