Razia lives in a small city of Punjab, Pakistan, called Kasur, which is famous for its leather industry. She is 34 years old and lives in a two-room house in an area named Kullay Walla with her husband, H. A., and eight children. Six are sons and two are daughters. Only her youngest children are able to get an education. Her first two sons operate a fruit-selling business. Her third son is a cobbler and operates a business of shoe making and selling, while her elder daughter does embroidery work at home. These four contribute to their family financially. Razia operates an embroidery business to share the financial burden with her family. She receives regular orders from different cloth shops and earns money by completing them on time. She has applied for a loan from Kiva partner Asasah for her husband, who has a timber-selling business. With the loan, he will buy timber in bulk quantity which will help him fulfill larger orders on time and earn a better income for his family. Razia is a regular loan user of Asasah, and this is her third loan application. In previous loan years, she has proved herself a responsible person who has paid her installments on time and never missed a meeting.