▁strategy ▁Z af ar ' s ▁organization , ▁K ash f ▁Hold ings ▁( P vt ) ▁Limited , ▁is ▁one ▁of ▁major ▁share hold ers ▁in ▁F IN CA ▁Micro fin ance ▁Bank ▁Limited ▁of ▁Pakistan , ▁one ▁of ▁ 2 0 ▁community - based ▁micro fin ance ▁institutions ▁and ▁banks ▁that ▁offers ▁financial ▁services ▁to ▁low - in come ▁clients , ▁which ▁itself ▁is ▁a ▁part ▁of ▁F IN CA ▁International ' s , ▁F IN CA ▁Imp act ▁Fin ance ▁Network . ▁It ▁follows ▁F IN CA ▁International ▁model , ▁sust aining ▁itself ▁from ▁the ▁income ▁earned ▁through ▁its ▁loan ▁port folio . ▁Its ▁approach ▁lever ages ▁available ▁capital ▁and ▁prom otes ▁greater ▁trans par ency , ▁sust ain ability ▁and ▁higher ▁standards ▁of ▁business ▁practices . ▁Initial ly ▁K ash f ▁used , ▁" sol id ar ity " ▁method ology ▁similar ▁of ▁Gr ame en , ▁where in ▁groups ▁of ▁people ▁take ▁out ▁lo ans ▁together . ▁ ▁In ▁ 2 0 0 9 , ▁K ash f ▁established ▁the ▁" K ash f ▁Micro fin ance ▁Bank ", ▁which ▁provides ▁a ▁sav ings ▁source ▁and ▁depos its ▁are ▁usually ▁reg ulated ▁by ▁State ▁Bank ▁of ▁Pakistan . ▁K ash f ▁targets ▁women ▁and ▁families ▁and ▁helping ▁in ▁family ▁enter pr ises . ▁The ▁foundation ▁assess ▁families ▁for ▁their ▁business ▁plan , ▁valid ity ▁of ▁their ▁proposal , ▁future ▁prospect s , ▁and ▁their ▁reputation ▁within ▁their ▁community . ▁And ▁together ▁they ▁develop s ▁a ▁business ▁plan ▁with