Sharmila Devi is one of the borrowers of Sharmila JLG in the Kishanganj Branch. She is a resident of Ruidhasha, Kishanganj, Bihar. She is taking loans from VFS for the last seven years. In 2010, Sharmila Devi took a loan of Rs. 10000 from VFS for the first time and started a business of old cloth with her husband. Her present loan amount is Rs. 50000. Seven labours are working for her. She is also getting orders from outside the state. Now, her son is also looking after this business. Her business is running very well and she is willing to take more loans from VFS next year. Her daughter also helps her mother in this business. Her son and daughter have completed their education.