Aged 40 years lives with her four children (Ibran, Jishan, Wasim and Nasim), husband and her father in-law in Joya Amroha, Hapur. Samina was finding it difficult to manage the expenses of her family in such limited means wherein her husband was the only breadwinner of the family. She wanted to help her husband and support him financially and this is when Samina was introduced to SCNL by her neighbour in 2009. Since then Samina has been associated with SCNL and has taken loan of Rs.10,000 ; Rs.14, 000; Rs.20,000 and Rs.40, 000 respectively to help her husband in manufacturing & trading of jackets for men that are supplied in wholesale market in Joya