Aditi makes paper packets for a living and is the main earner in her family of five. Her husband is currently unemployed and she has three children. She joined Ujjivan one year ago when she began having difficulty paying for her children’s educational expenses. She also wanted to improve her home. The cost of educational expenses and house repair demanded a one-time lump sum amount, which she could not afford on her meager

Ranu runs a small shop out of her house and took a Business Loan one year ago to expand her business. She lives with her family and her elderly mother. Some months after she joined Ujjivan, Ranu’s mother suffered an accident resulting in a sever rib injury. She was hospitalized and with little cash in hand, Ranu was concerned that her family could not afford her mother’s medical care. She