I took loans from First Women Bank Ltd four times already, so it tells you how well I'm doing. My husband is an upper division clerk (UDC) in an office but his salary is not enough to support a family of six. I got a micro credit loan easily - I really appreciated the quick and easy procedure - and I set up a stall in the CDA weekly market. My husband has a lot of experience in sales and his know-how also contributed to my success. I started with kitchen items and now I've added hosiery and clothes as well. I'm now paying more attention to the decor of the shop to attract more customers. I recently invested Rs 16,000 to put a roof cover over our stall. I have also bought a motorbike for Rs 18,000 which brought huge savings on transport costs. It's good for both personal and business use. We even use it to carry goods. The income from the business is 50% more than my husband's salary. Since my first loan, my monthly income has increased by 140% and the return on investment is about 17%. The best thing is that we are able to cover all our needs and I am now able to spend more on my home and family."