Kalsoom baji is the mother of two sons who work in a factory on a monthly wage. Her husband's name is A. R. and he runs a grocery shop. He utilizes a room of his house for his grocery shop. Kalsoom baji operates a clothes sewing business. She takes orders from her neighbors and relatives, and charges $2 per stitching. Kalsoom baji is applying for a loan to buy groceries for her husband’s grocery shop.