Uma is a 53-year-old married women with three sons, from Rajdevi, Kalaiya Municipality, in the Bara District of Nepal. She is married to Rupnarayan. Both husband and wife have been involved in the livestock business for five years. They visit different villages and buy cows and calves to resell at higher prices. She has applied for a loan of NPR 20,000 from Nirdhan Utthan Bank, to be used exclusively to expand her cow trading business. She has been associated with Nirdhan for a long time. Uma’s earlier days were ones of hardship. But since the establishment of the cow business and her association with Nirdhan, she has been able to buy a plot of land with the business profits, and their family’s standard of living has improved. She has a plan to scale up her cow trading business in the future.