Ramesh Kumar is a tailor by profession. He stitches gents clothing for local retailers as well as end consumers. He has an experience of over nine years in this business, and currently earns 6,000 rupees monthly. Ramesh is one of the three earning hands in his family. He is married and lives in the small town of Tandoo Allah Yar. His family includes his wife, their four children and his parents. Two of his children are currently going to school. Both of Ramesh’s parents work to support the family as well. His father is a tailor as well, while his mother does applique work on clothes from home. They both manage to earn approximately 9,000 rupees collectively.
Ramesh is now planning to increase his business and requires a loan. He needs to buy a new sewing machine, some fabric and sewing supplies. He will buy all these materials from the market in Mirpur Khaas. Ramesh anticipates that this investment in his business will help him to improve his profits and consequently his family’s income.