% ▁of ▁the ▁micro fin ance ▁clients ▁are ▁Pak ist ani ▁women . ▁ ▁In ▁ 2 0 1 5 , ▁K ash f ▁became ▁the ▁first ▁institution ▁to ▁offer ▁financial ▁services ▁to ▁the ▁low - cost ▁private ▁school ▁sector ▁in ▁Pakistan , ▁by ▁initi ating ▁its ▁pilot ▁program , ▁K ash f ▁School ▁S arm aya ▁( K SS ). ▁Since ▁its ▁in ception ▁it ▁has ▁worked ▁with ▁more ▁than ▁ 4 0 0 ▁schools ▁across ▁Pakistan . ▁Appro xim ately ▁ 9 0 ▁percent ▁of ▁K SS ▁borrow ers ▁serve ▁students ▁from ▁households ▁making ▁less ▁than ▁ 4 0 0 ▁PK R ▁($ 4 ) ▁a ▁day . ▁ ▁K ash f ▁has ▁worked ▁with ▁a ▁mult itude ▁of ▁bil ater al ▁and ▁mult il ater al ▁don ors , ▁both ▁national ▁and ▁international ▁partners ▁and ▁N GO s ▁including : ▁Global ▁Affairs ▁Canada , ▁F IN CA ▁International , ▁Ernst ▁and ▁Young , ▁Department ▁for ▁International ▁Development , ▁Gr ame en ▁Foundation , ▁Ac umen ▁Fund , ▁Sh ore B ank , ▁Women ' s ▁World ▁Bank ing , ▁Cons ult ative ▁Group ▁to ▁Ass ist ▁the ▁Po or , ▁United ▁Bank ▁Limited , ▁Ask ari ▁Bank , ▁JS ▁Bank , ▁J ub ile e ▁In sur ance ▁Company ▁Limited , ▁K iva , ▁Me ez an ▁Bank , ▁O M V , ▁H BL ▁Pakistan , ▁MC B ▁Bank ▁Limited , ▁Sk oll ▁Foundation , ▁Tri odos ▁Bank , ▁Ag ha ▁Khan ▁Foundation , ▁and ▁among ▁other ▁local ▁and