Bihar, where mother of four Darmshila and her family live, is one of the poorer states in India. Fifty-two per cent of people in the state are ‘multidimensionally poor’ – the highest rate in India. Four out of every 10 people suffer from malnutrition, even more in rural areas. The village where Darmshila lives still doesn’t have adequate sanitation.

“There were lots of challenges before we got the loan,” Darmshila said. “We had a lot of expenses, but now life is better.”

These days, Darmshila is happy, and her family is thriving thanks to a small loan she took out a year ago through our local partner. She runs a bangle shop, selling bangles and costume jewellery, clothes, toiletries and beauty products.

“I love my business and it makes me happy,” Darmshila said. “I feel like my business gives me a purpose. I’m so proud that I’m a woman and I can earn to support my family. I want my children to learn from (my example) and be independent. I started the business for my children. I want my children to get out of poverty and do better in life.”

I started the business for my children. I want my children to get out of poverty and do better in life.”

Dharmshila’s children are focused on their studies, and they also help their mother with the business when they can. In their free time they love to play badminton in the street together (using rolled-up paper or whatever they can find in place of a shuttlecock).

Daughters Anjali and Kushi see how hard she works and are proud of what their mother has been able to achieve since taking out a loan. “Mum’s business has made life a little comfortable,” said Anjali. “My mum got the loan a year ago and life was difficult previously, but life is getting better now. I’m proud of my mum and dad.”

“I am proud of my mum’s business,” Kushi agreed. Both girls aim to finish their studies and become civil servants.

Learn more about how microfinance is helping women and girls leave poverty behind.