▁and ▁research ing ▁from ▁the ▁clients ▁of ▁foundation . ▁Z af ar ▁tra ve led ▁for ▁a ▁year ▁tour ing ▁Nep al ▁and ▁India ▁understanding ▁the ▁structure ▁of ▁low - in come ▁households ▁and ▁was ▁given ▁$ 1 0 , 0 0 0 ▁loan ▁from ▁Dr . ▁Y un us ▁to ▁start ▁her ▁own ▁organization . ▁There ▁with ▁the ▁help ▁of ▁Institut ▁Europ é en ▁d ' Admin istration ▁des ▁Aff aires ▁( IN SE AD ) ▁summer ▁intern s , ▁she ▁developed ▁feas ibility ▁and ▁business ▁plan ▁for ▁women ' s ▁business es ▁and ▁female ▁entrepr ene ur ship ▁in ▁Pakistan . ▁ ▁Foundation ▁After ▁an ▁extensive ▁pre lim inary ▁work ▁in ▁ 1 9 9 5 , ▁Z af ar ▁registered , ▁K ash f ▁as ▁a ▁" res earch " ▁based ▁program ▁in ▁L ah ore , ▁in ▁June ▁ 1 9 9 6 , ▁with ▁a ▁total ▁staff ▁of ▁five ▁women , ▁with ▁Z af ar ▁working ▁as ▁a ▁loan ▁officer . ▁It ▁took ▁six - month ▁for ▁the ▁Foundation , ▁before ▁anyone ▁would ▁borrow ▁the ▁money ▁and ▁by ▁November ▁ 1 9 9 6 ▁it ▁had ▁distributed ▁ 1 5 ▁lo ans , ▁all ▁of ▁whom ▁were ▁women , ▁who ▁also ▁became ▁associated ▁with ▁the ▁K ash f . ▁According ▁to ▁Ros h ane h , ▁it ▁was ▁a ▁" tr ust ▁building " ▁period . ▁After ▁the ▁initial ▁round ing ▁K ash f , ▁started ▁training ▁women ▁through ▁numer acy ▁training ▁and ▁made ▁the ▁process ▁of ▁loan