Moyna Debnath, her husband and their three children live in the Village Dhankoil of Uttar Dinajpur District, West bengal. Her husband is a farmer, who cultivates mainly rice and wheat. He was the only earning member of the family. His income from cultivation was not sufficient to meet the family expenses and support the education of their children, as expenses were growing but income from cultivation was decreasing gradually. Moyna Debnath was not sure how to secure a future for her family. In this situation, she decided to increase the family income to help her husband but she had no sufficient funds to start any income-generating activities. As she began to founder, she met a VFS representative who came to her house for a survey and advised her to be a member of a JLG. Inspired by the VFS representative, she took a loan of Rs. 6000/- from the VFs Kaliyaganj branch to start a business of making rice. She boils paddy and makes rice, which her husband supplies to the local market. She produces the famous ‘Tulaipanji’ rice which has a great demand in the locality. It is a profitable business and her business is growing by the day. She is now a confident woman and feels proud to be a businesswoman. At present, she has planned to take the 5th cycle loan of Rs 30000/- from VFS to expand her business. She is very thankful to VFS for supporting her in her bad situation. Now she is a happy and confident woman.

In her words, “Today I am able to help my husband and run my family with my own income. It would not have been possible without the help of VFS; I am grateful to VFS.”