Sahib Khatoon lives with her husband and five children in D G Khan. Her husband, a poor milkman, is not able to sustain a family of seven with his meagre income. Hence, Sahib Khatoon was compelled to work in order to nourish her family. Being skilled in making various handicrafts (baskets, caps and hand fans) from date palm leaves, she decided to put her talents to best use to supplement her husband’s income. Although she earned 500-600 PKR weekly, it was still not enough to meet her expenses.

In order to earn further, she needed more raw materials, but with her current income, she was unable to do so. One day she heard of Khushhali Bank Limited and the small loans it gives to the skilled workforce to make them financially independent and economically prosperous.

With the help of a neighbour who was already availing a loan facility from Khushhali Bank Limited she applied for a loan of 10,000 PKR. As she met the Bank’s criteria she was extended the loan, which proved to be a turning point in her life. She never thought she could ever save 10,000 PKR to buy the raw material in bulk – it was only a dream which came true because of Khushhali Bank and filled her with new zeal and enthusiasm to expand her business. She engaged her daughter in the business and started making goods at a larger scale which substantially increased her sales volume. She is presently making sales revenue of 1200 – 1400 PKR per week, which is almost three times of what she was making before she availed the loan from Khushhali Bank Limited. Her ambitions for a bright and better future are still high and after paying back her first loan successfully she has availed another loan of Rs. 12,000 from Khushhali Bank Limited and aims to continue enhancing her income by further expanding her business with the help of Khushhali Bank Limited.

Sahib Khatoon’s business not only increased her income manifold, but also greatly improved the quality of her life. She now has more funds to lead a happier and better life. It has also brought a sense of fulfilment to her as she now leads a very rewarding life by making use of her talents and contributing positively not only towards her family but to the community as well.

Sahib Khatoon’s success lies in her resolve to improve her family’s living conditions. However, to begin with, she didn’t have enough funds to meet her business costs and therefore her sales revenue remained very low despite her hard work. It was after she availed a loan facility from Khushhali Bank Limited that her business flourished and made a substantial difference in her income and greatly improved her family’s quality of life.

Sahib Khatoon’s future plans include enhancing her business further by hiring labour and purchasing more raw materials. She also plans to supply her goods to bigger markets in other cities where they can be sold at a higher price, thereby increasing her profit margins.