25 year old Junaid works on a garment picot and overlock machine at a tailoring shop since the past 12 years. Junaid’s father is an auto rickshaw driver whose income does not suffice to fulfill the family’s expenses. Junaid is skilled in garment picoting but works on an insignificant wage rate at the shop. He wants to purchase a picot machine of his own and start his own work to earn a better livelihood. Junaid has applied for a loan of $300 for a new picot machine. Help Junaid support his family.