Kajal Bej, a resident of Belgachia village in West Bengal’s Howrah district, lives with her husband and two children. A few years ago, she decided to support her family financially. The first loan that she took from VFS was of Rs 3,000, in 2015. With this, she started her saree business. She buys sarees from a wholesaler and then sells them, keeping a profit margin. Her average monthly turnover is Rs 90,000 to Rs 1,00,000, and she is left with an average monthly profit of Rs 10,000-15,000 after deducting the cost of buying sarees in bulk (which she does periodically) and other expenses, which add up to Rs 70,000-Rs 80,000. Currently, she is in her fourth loan cycle, having borrowed Rs 50,000 in July 2019.