▁the ▁whole ▁family ▁looking ▁into ▁their ▁deb t ▁management ▁capacity ▁and ▁proceed s ▁with ▁the ▁loan . ▁K ash f ▁is ▁a ▁third - larg est ▁private ▁mic rol ender ▁in ▁Pakistan . ▁ ▁In nov ation ▁and ▁Part ners hips ▁K ash f ▁Foundation ▁was ▁the ▁first ▁M FI ▁to ▁demonstrate ▁a ▁women ▁cent ric ▁model ▁in ▁Pakistan , ▁they ▁developed ▁women ▁friendly ▁micro fin ance ▁products ▁and ▁a ▁delivery ▁method ology ▁that ▁addressed ▁women ' s ▁unique ▁collabor ative ▁strength s . ▁K ash f ▁introduced ▁micro - s av ings ▁for ▁low - in come ▁households ▁and ▁achieved ▁both ▁oper ational ▁and ▁financial ▁self - su ffic iency ▁in ▁ 2 0 0 3 . ▁K ash f ▁was ▁the ▁first ▁micro - fin ance ▁inst itute ▁to ▁generate ▁a ▁consumer ▁protection ▁code . ▁The ▁Foundation ▁raised ▁commercial ▁deb t ▁through ▁the ▁issu ance ▁of ▁term ▁fin ance ▁certific ates ▁in ▁ 2 0 0 7 ▁and ▁scale d ▁up ▁an ▁app rais al ▁back ed ▁l ending ▁model ▁for ▁low - in come ▁clients ▁with ▁two ▁tier ed ▁financial ▁education ▁program ▁for ▁clients . ▁K ash f ▁has ▁achieved ▁progress ▁in ▁pover ty ▁status ▁elev ating ▁ 3 0 % ▁of ▁its ▁clients ▁above ▁the ▁pover ty ▁line ▁with ▁households ▁have ▁a ▁greater ▁ability ▁to ▁save ▁and ▁quality ▁life . ▁They ▁get ▁better ▁nut r ition ▁and ▁can ▁afford ▁better ▁health ▁care . ▁On ▁the ▁social ▁side , ▁women ▁are ▁more ▁emp ower ed ▁and ▁about ▁ 5 0