Punam Devi is a 35-year-old, married woman with four sons. She lives in Panitanki Chowk in the Bara district of Nepal. She has a small cosmetics shop where she sells different types of ladies cosmetic items. She is satisfied with the current status of the business, but wants to expand this to meet the increasing demand of the customers. She has requested the NRS 40,000 loan with Nirdhan to expand her business so that she can diversify the cosmetic products offered in her store. She has become a role model to other women in her area. She has plans to be the leading cosmetics store in the area.