Sadaqat Baji is the wife of A. A. who sells vegetables in a vegetable market. She is a housewife and makes decorative embroidered dresses to order. She has been living in an area named Shalimar, situated in the city of Lahore, Pakistan for the last 20 years. Sadaqat owns a three room brick house. She is the mother of five children: three sons and two daughters. All of her children are enrolled in a local school in her neighborhood. Sadaqat successfully repaid her two loans from Asasah (a Pakistan microfinance institute ). Now she is applying for a loan to buy material (thread,cloth and patterns) to fulfill the orders of her customers.