Kashf Mahweshi Karza
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Loans Disbursed
123,210 -
Amounting to
PKR 10.5 Billion
Introduced in 2017, Kashf piloted the Kashf Mahweshi Karza to specifically help female livestock managers involved in dairy and meat production who are facing credit constraints. Through this initiative, Kashf is building a strong value chain which involves credit, livestock insurance, and animal husbandry trainings. Innovative and tailored to the needs and capacities of smallholder rural women, the Foundation has setup a branch in the village of Adda Khui Wala near Harrapa to pilot Kashf Maweshi Karza. Kashf plans to take this product to 9 other locations by June 2019.
Kashf’s holistic approach through this loan product focuses both on improving the productivity of the animal, mitigating risks and improving returns to the female livestock producers.
Features and Specifications
| Target market AND Purpose of the loan | This loan is for an existing dairy business running for at least 2+ years, owned by women with at least 2 dairy cattle. to be utilized for purchase of milking animals. | |||||||||
| insurance | – Life insurance (free) – Animal insurance (covers animal mortality and Theft) – Health insurance coverage of client and family members |
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| Service charges | – For 12 Month: Flat Rate = 25.50% – For 18 Month: Flat Rate = 38.51% |
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| Tenure of the loan | 12,18 months (Equal monthly installments). | |||||||||
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Client Testimonial
“I have taken a loan from Kashf to buy an animal for milking – before this I only had one grown buffalo and had periods when it was not milking and my household income was not enough in these months to sustain my household expenses. Now I always have an animal in milking, and in the months where both animals are milking I have more surplus milk to sell to the milk collector” Irshad Bibi, Sahiwal
