Sahanara Sardar, wife of Rafik Sardar and a mother of two, lives in Bankra Telipara village in Howrah district of West Bengal. She is one of those enterprising borrowers of VFS who have been able to scale up their business many times. She makes garments. VFS recognized her entrepreneurial capabilities and decided to check her eligibility for Sambriddhi, its loan for small and medium enterprises. At present, she is in her fourth loan cycle, having just borrowed Rs 2,00,000. After paying for raw materials (Rs 90,000) and labour Rs 56,000) she manages to have an average monthly profit of about Rs 50,000.