lives in Moradabad with her husband who is a carpenter. Since he was not earning enough, survival was difficult. Gulbahar was good at stitching but did not have the finances to pursue her passion.She was then introduced to SCNL and got her first loan of Rs. 20,000 with which she purchased a sewing machine. She then took another loan of Rs. 40,000 for expansion. Today, Gulbahar’s earning have increased and their standard of living has improvised. She intends to take a third loan from SCNL and have a long term association with the organization.