Sukmati Devi has four children, One Son is a day labourer and three daughters are students. Her Husband is a day laborurer, too. She lives in Doiwala village of Dehradun District of Uttarakhand. Before taking a loan, she had a mall fast-food stall without any shade. Now she has a small hotel at the Doiwala market. Her husband also helps her with her business. Before she took the loan, her monthly income was of Rs 6000. Now her monthly income is Rs 10000.