Swapna Naskar Swapna has been living in Pashchim Daspara village in West Bengal's Howrah district all her life. She has been married to Somnath Naskar for the past 15 years. After the birth of their son in 2006, they realized that their income had to grow. They discussed several ideas and decided to make umbrellas for rural buyers. While Somnath bought the raw materials and managed the heavy machinery, Swapna made the dye for colouring and managed quality. This business brought Swapna in contact with VFS in 2013. Since then, the couple has been happy borrowers of the company, having taken a Rs 40,000 loan in May 2019, from the Bargachia branch. From an initial loan of Rs 5,000 to Rs 40,000 today, Swapna’s journey has been one of hard work and grit, but today she is proud of herself and her husband. Together, they earn an average of Rs 15,000 month, which secures the future of their family, giving them the confidence and security to chase their dreams.