Muhammad tofiq is a resident of Gujranwala. After much hard work he started a cold corner shop which has been the only source of income for his family. His family comprises of his wife, two daughters and a son. All his children are enrolled in local schools. Unable to attend school himself he was compelled by circumstances to fend for his family and provide them the means of sustenance. After much hardships and trials he settled into a cold corner business that is the only bread earner for his family. But his small shop does not generate enough money to cover all his family expenses. Infact, he has to pay shop rent which increases his operational costs significantly, adding more to the problems. He is worried that if things remain the same he will run out of business as well. He came across Seedout through another borrower and seeing his progress through such a loan intrigues him. Therefore, he is availing seedout’s loan facility to add more stock to his shop by purchasing beverages and snacks to sell To change the state of affairs and improve the productivity of his business.