Aslam is a man having self-confidence. He led his own way through his life. He belongs to a village Chak Jhumra. He acquired stitching skills at his village & never got his due compensation due to poor economic conditions of his village. He decided to move to a nearby city Faisalabad. He stared working in a factory & at evening time does his own business.

He wanted to extend his business by purchasing more machines to stitch and develop separate place for stitching bags such as a small factory and a separate point of sale as well.

Due to lack of finances Aslam was facing tough market challenges. He decided to borrow money from his family to run his business but no one from his family or social circle was willing to support him despite of his offer to make them partner in his business.

He visited Mobilink Microfinance Bank Limited(MMBL) to apply for loan. Based on his skill set MMBL granted him loan of Rs.25, 000 with the help of which he purchased the material of bags. He got a good market response. He successfully repaid loan and was in a position to improve his financial health.

Then he reinvested his loan of Rs.40, 000 in business and acquired rental place for his business. After the completion of second cycle he got loan of Rs.50, 000 that he utilized to develop an outlet for his products at a commercial area and employed another worker for his business.

He was able to improve the living condition of his family and provide his children all the necessities and education.

Muhammad Javed S/O Muhammad Ashraf is a farmer of Chak No: 495/ E.B. Tehsil Burewala, District Vehari. He is a very hard working person and puts his best efforts towards agriculture. The major factor for his poor output was lack of financial resources. He had no financing to purchase agriculture related inputs and other raw material (Seeds, Fertilizer, Pesticides and irrigation of water) for cultivation. He had to borrow money or purchased material/inputs from local money lenders and dealers with a very high interest rate. These lenders demanded complete yields of his crop cultivation and did not pay him proper crop purchase rate as compared to the market.

One day a representative of Mobilink Microfinance Bank Limited introduced him to Khushhal Kisan Loan. Javed was so excited to know the easy loan procedure of Mobilink Bank as well as low markup rate as compared to local money lenders and inputs dealers’/Commission agents in the markets. Consequently, he was able to purchase inputs timely from the market with proper price rate and was able to boost up his income level and cultivation of land with modern techniques. His standard of living improved, was able to provide his children better health, food & education facilities and moreover retained credibility in the local market.

He was single handedly managing the whole agriculture initially. With increase in agriculture income he also engaged his younger brother in livestock business. He has become a source of inspiration for other community members to enhance their business worth by availing loan from Mobilink Microfinance Bank Limited and its right utilization.

Muhammad Saleem Khan 33 years of age is a resident of Tariq Bin Ziad Colony, Sahiwal. His family went into miserable condition when his father suffered from heart disease in 1996 and became unable to carry his job. He was only twelve years of age at that time. Being an elder he had to manage the source of income to run his family by doing a small job at a nearby shop. He used to do the job in day time and in evening he continued his studies. Muhammad Saleem Khan continued his job to meet the family needs and completed his bachelors’ education. He gathered enough experience to start his stationery shop independently but due to lack of capital he was unable to turn his dreams into reality. He decided to get the financial assistance from bank. He applied in multiple banks for loan, but the loan documentation, processing fee and collateral demands were always too high. Then he heard about Mobilink Microfinance Bank Limited and managed to get loan with easy monthly installment repayment. Currently he is in 2nd loan cycle with loan amount of Rs. 100,000 and every loan has resultant to increase his business inventory.  Now after completing 2 years in the business, he has transformed his shop into a stationery, photocopier and tuck shop. His daily sales have increased from Rs. 1,000 to Rs. 5,000.

He wants to gather enough finances to expand his business by adding mobile sets & its accessories and later on rebrand his shop to improve his clientele.

With no working capital, he took initiative to get loan from Mobilink Microfinance Bank Limited and started his independent business. His dealing in high quality office stationery with minimum margin, best customer services and concentrating on limited office items resulted in high sales for him. A year into business, he was quite confident and financially sound and added fast food items, photocopier and refrigerator on installments. He was earning good returns on his investment sufficient enough to meet his daily household expenses. 

He has settled his family with better life style. He is in high spirit and says, “I never dream about success. I work for it.” Well said by Bill Gates “If you are Born poor it’s not your mistake, but if you die poor it’s your mistake.”

He has not only won a livelihood for himself but has also become a source of inspiration for others. He has also employed one person, thereby creating employment opportunities for others. He continues to weave more plans for his business.

Madad Ali is a resident of village 26-SP tehsil and district Pakpattan. He belongs to a poor family and is a sole bread earner of his large family. He got married in teen age and is a father of five children.

Madad Ali wants to improve his living standards, educate his children and provide basic needs to his family.

He had agricultural land of 12 acres. He decided to change his agricultural crop pattern with scientific method but resources were not enough to meet the requirement.

Due to lack of money he decided to take loan from some bank then he heard about Mobilink Microfinance Bank Limited and succeeded to get a loan of Rs. 35,000. He utilized this amount for land leveling, proper watering and purchase of fertilizer for his crop. The result of which his crop yield increased. He continued his relations with bank and now he is in third loan cycle with loan amount of Rs. 100,000. Madad Ali has Six buffalos and two cows. With his agricultural business and milk selling of his own animals his monthly income increased to 80,000 from 45,000.

Madad Ali was able to boost his income level, improve living standards of his family, and adopt new technology for cultivation of land and afford educational expenses of his children.

Noor Muhammad belongs to a small village of Ranipur named as Gadeji and belongs to a poor family. He has to run a family constituting five members. He used to work in his small furniture shop in Ranipur without any machine, all his furniture work including manufacturing and finishing was done by hands which resulted in manufacturing small quantity of furniture items and less sales hence earned less revenue from his business. Then one of the representatives of Mobilink Microfinance Bank during his marketing campaign visited his shop and keeping in view Noor Muhammad’s hard work and reputation suggested him to get Karobar loan to develop and enhance his business which could help him earn more money for his livelihood and increase his sales. As previously he was not able to deploy any machine for manufacturing due to lack of financial resources but now after getting loan of Rs. 50,000 and some amount managed by his own, he purchased ‘RANDA MACHINE” which resulted manufacturing of more furniture with good finishing. After deploying RANDA MACHINE his production increased significantly with good quality furniture. As he has been producing good quality furniture and also being able to manufacture more items his furniture demand increased in the town hence he deployed two more employees to assist him and meet the desired quantity of production of furniture items.

Now he is able to feed his whole family properly and provide proper education to his children.