23-year-old Muhammad Shoaib started working when he was only 9 years old. His parents couldn't afford to send him to school. They themselves were very poor and had to send their children to work to get money for buying basic necessities. Even though Shoaib started working when kids his age play and go to school, he never complained. He kept working hard as a machine operator. Through his income, Shoaib pays his house rent and supports his family. 2 of his younger siblings go to school and two of them work. Shoaib's mother offers cleaning services at different homes. The family has a tight financial condition and eventually when Shoaib starts his own family, managing his household will become very difficult. Shoaib now wants to set up his own business of SMD lights manufacturing, for which he needs a loan of PKR 70,000. Given Shoaib's good experience, we are confident he wil be a successful entrepreneur, but to start, he needs help from individuals like you.