Shamim lives in a small city near Lahore, Pakistan called Kasur, which is known for its leather industry. She is 40 years old, married to M. A. and is the mother of three sons and two daughters. She lives in a three room brick house with her family. Shamim is a business woman who operates a business selling bangles. She sells bangles from her home, collects orders from different jewelry shops and supplies the bangles to them to make an income. She also sells bangles to her neighboring community and earns a good profit.
Shamim couldn’t educate her children, except for her 12 year old son who reads to the 5th standard. It was not possible for her to afford his school fees but now her current business situation makes it possible for her to bear his education expenses. Her eldest daughter keeps herself busy doing household chores, while her eldest son supports the family financially by working in a shoe factory which pays a monthly wage. The other two are free and don't do anything.
Shamim has applied for a loan from Asasah for her bangles selling business. With the loan amount she will buy bangles in bulk because Eid, the Muslim holiday which marks the end of Ramadan is approaching and she has a large order to fulfill. Bangles are in high demand for the Eid celebrations and there is potential for making a lot of income. Shamim is a regular loan user of Asasah and is in her 2nd loan cycle. For her previous loans she maintained good credit behavior and never missed a meeting.