Shamim baji is the wife of M. and lives in Riwind, Pakistan. She is the mother of three children: two daughters and one son. All of her children are enrolled in a local neighborhood school. Shamim baji’s husband owns a shuttering business. He provides beams and ropes to building contractors. Shamim baji has a milk selling business. She has been selling milk for the past four years. She successfully repaid her two loans from Asasah (a microfinance institute of Pakistan). Now she is applying for a loan to buy another buffalo to help expand her milk business.