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Traditional ventures to remove poverty.

Donations without payback


Vs microfinance.
Multiple loaning, portfolio management, credit history
Kashf Microfinance Bank Limited:
Kashf Microfinance Bank Limited (KMBL) is a nationwide microfinance bank in Pakistan that started
operations in October 2008. The Bank currently has around 500 employees and operates with 46 online
locations across 36 cities in 3 provinces of Pakistan. Kashf Microfinance Bank Limited serves over
200,000 depositors and over 30,000 borrowers. Kashf Microfinance Bank is a subsidiary of FINCA
International (www.finca.org). Specializes in lending to small and micro businesses and savings products
to low income communities, Offers a complete range of savings products, real-time money transfers,
collection of utility bills.
The Client:
Value, reliable service, reasonable price
The Product: Responsive to Clients needs
The Delivery Methodology:
Mitigates Risk, Reduces Transactional Costs
The Microfinance Provider: Manage Risk and Achieve Financial Sustainability
Vision
Financial services for all in a poverty free and gender equitable society.
Mission
Serving all with dignity by providing quality and cost effective microfinance services to low income
households that alleviate poverty and enable women to become active agents of social and economic
change, through building alliances, promoting linkages and developing entrepreneurship.
Core Values
Commitment to
Excellence
Kashf Foundation ensures the highest level of quality in all outputs with
the aim of being market leaders
Service Kashf Foundation ensures customer satisfaction through a respectful
and professional attitude with the aim of delighting the customer
Integrity
Kashf Foundation ensures that all interactions with clients and amongst
staff are based on honesty and mutual dignity with the aim of
espousing integrity across the board
Responsibility
Kashf Foundation believes in meeting all promises as per commitments
hence we do what we say and say what we do
Innovation
Kashf Foundation believes in learning, adapting and growing thereby
responding positively to change
Respect
Kashf Foundation believes in dignity at the workplace which includes
mutual respect and care for each other thereby inculcating do unto
others what you would like others to do to you
Reciprocity
Kashf Foundation believes in team work and ascribes to the motto all
for one and one for all
Action-Oriented
Kashf Foundation aims towards a problem solving approach in all
actions thereby being part of the solution and not the problem
Meritocracy
Kashf Foundation ensures equal opportunities and a fair and
transparent appraisal mechanism with access to adequate redressal
channels thereby processing feedback positively
Sustainability
Kashf Foundation believes in the long-term sustainability of both the
organization and clients thereby promoting self-sufficiency through
continuous improvements in processes, products and services
Current products:
Kashf Ibteda-e-Karobar Karza productive loan for new businesses.
Kashf Karobar Karza-Productive loan for existing businesses
Kashf Aitebar Karza-Renewable credit line for existing clients
Kashf Sehatmand Zindagi Bima - Micro Health Insurance
Kashf Zindagi Bima - Life Insurance
Culture/ Leadership style
Challenges and how they overcome them.
Multiple loans by same people
NPL
Natural disasters
Improper regulation;
Increasing competition;
Difficulties in MFI profitability;
Lack of diversification of financial products and services, and concentration on microcredit;
Difficulties in MFI stability;
Limited MFI management capacity;
Political interference;
High transaction cost;
Unfavourable policy environment;
Inadequate investment in agriculture development;
Low knowledge levels.
Asjid qureshi
How Kashf is different
Skill development

Kamyab karobari qarza
Aitbarr karza
Our story:
Key learnings:
Why customers value it
Business model
Meeting with the local authority, Social mobilization campaign, membership and group formation,
formation of local representative, business pre-feasibility assessment and development of market
linkages , individual heath insurance and life time insurance, preliminary individual loan disbursement ,
recovery of installments.


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