Noor Bano is a resident of the small town of Tandoo Allah Yar. She is 48 and married. She has four children, two of whom are receiving education. The livelihood of her family depends on the incomes of her husband, her son and her own embroidery business. Her husband is a private security guard and makes 5,000 rupees in monthly wages. Her son, on the other hand, works in a bakery, and earns 9,000 rupees in a month.
Noor Bano started a small hand embroidery business almost six years ago. She makes exquisite embroidery designs on women’s clothes. Her monthly earnings amount to an average of 5,000 rupees. The collective income of her household is barely enough to fulfil her family’s needs. To improve her profits from the embroidery business, Noor has decided to increase her output. To buy more supplies to increase her productivity, she has requested for a loan. She needs to buy an embroidering machine, that will enable her to make more embroidered outfits in less time. She also wants to buy some fabric and some fancy silk threads in different colors. Noor figures that she will be able to improve her work quality and efficiency, allowing her to make a much better profit.