{"id":5945,"date":"2025-08-26T07:59:42","date_gmt":"2025-08-26T07:59:42","guid":{"rendered":"https:\/\/mahmoodtariq.com\/hnp\/?p=5945"},"modified":"2025-08-26T08:31:57","modified_gmt":"2025-08-26T08:31:57","slug":"defining-and-empowering-women-enterprises-microfinance-in-pakistan-2-2-2-2-2-3-2-2-2-2-2-2-2-2-2-2-2-3-5-2-2-2-2-2-2-2-2-3-2-2-2-2-3-3-3-2-2-2-2__trashed-3-2-3-2-3-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-57","status":"publish","type":"post","link":"https:\/\/mahmoodtariq.com\/hnp\/defining-and-empowering-women-enterprises-microfinance-in-pakistan-2-2-2-2-2-3-2-2-2-2-2-2-2-2-2-2-2-3-5-2-2-2-2-2-2-2-2-3-2-2-2-2-3-3-3-2-2-2-2__trashed-3-2-3-2-3-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-2-57\/","title":{"rendered":"FBLT Success Stories NATASHA SIDDIQUI"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\tYOLL\u2019S FABRICS<\/span><\/strong>\nNATASHA SIDDIQUI<\/strong><\/span>\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Natasha Siddiqui, a 30-year-old woman who completed her education up to the 10th <\/span>standard, is currently separated from her husband.She has two sons and two daughters, <\/span>and following the separation, they reside with Natasha’s parents. Natasha shares the <\/span>house with her two married brothers.Previously employed in a government organisation <\/span>where she managed paperwork and coordination, Natasha found it challenging to manage expenses in the joint family setup<\/span>.She realized that her job alone was insufficient <\/span>to support herself and her children without burdening her parents or brothers.<\/span><\/p>\n

Understanding the importance of securing her family’s future, Natasha became <\/span>determined to take charge of her life.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\ufeff<\/span>\ufeff<\/span>\n\nA NEW PATH\n<\/span>\n<\/strong><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Determined to improve her financial situation,\u00a0<\/span>despite her full-time government job, Natasha\u00a0<\/span>ventured into the fabric business.<\/span><\/p>

She started by purchasing unstitched fabrics from\u00a0<\/span>local markets and offering them to women in her\u00a0<\/span>community, providing them with the convenience of\u00a0<\/span>shopping from their homes. To enhance her business\u00a0<\/span>skills and operations, Natasha attended a meeting\u00a0<\/span>hosted by HomeNet Pakistan(HNP)in her area. There,\u00a0<\/span>she learned about the Financial Inclusion of Home-based Workers\u2019 Enterprises through Business Booster\u00a0<\/span>Loan and Trainings (FBLT) project. This initiative\u00a0<\/span>focused on empowering women through training,\u00a0<\/span>mentorship, and financial guidance, including access\u00a0<\/span>to business booster loans on favourable terms.<\/span><\/p>

Inspired by the project’s principles, Natasha decided\u00a0<\/span>to formalize her fabric business, naming it \u2018Yoll\u2019s\u00a0<\/b><\/span>Fabrics\u2019<\/b>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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STARTING SMALL,DREAMING BIG\n<\/span>\n<\/strong><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Natasha’s lack of business acumen initially led her to spend more than she earned. It <\/span>washerethat the Foundation Level Training of FBLT became in valuable. <\/span><\/p>\n

The Foundation Level Training provided Natasha with essential business skills,<\/span>including developing a business model, establishing a brand identity, maintaining <\/span>records,managing inventory,purchasing according to demand, time management, and <\/span>honing communication skills. This training underscored the significance of <\/span>understanding market dynamics, particularly the principles of demand and supply.<\/span><\/p>\n

Natasha reflected on her past practices, noting, <\/span>\u201cInitially, I would simply purchase fabrics based on <\/span>seasonal availability and personal preference. I struggled with negotiating prices and identifying fabrics <\/span>that were in vogue or suited customer preferences.\u201d However, the training transformed her approach. <\/span>She now emphasizes investing in materials, colours, and designs that align with current trends and <\/span>customer demands. She has also learned to educate her customers about the latest fashion trends and <\/span>improve her sales techniques.Moreover, she now calculates her profits by factoring in not just the fabric <\/span>cost but also transportation and time expenses.<\/span><\/p>\n

Armed with Foundation Level Training, Natasha has become adept at securing favourable deals and <\/span>optimizing her sales strategies.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\ufeff<\/span>\ufeff<\/span>\n\nFINANCIAL SUPPORT FOR SUSTAINABLE BUSINESS<\/span><\/strong><\/strong>\n\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Natasha used to frequent wholesale markets but refrained from buying fabric in large quantities due to\u00a0<\/span>uncertainty about selling the entire stock. Her cautious approach led to minimal savings on purchases.\u00a0<\/span>Realizing the potential benefits of bulk buying, Natasha sought financial assistance. The FBLT program\u00a0<\/span>connected her with HBL Microfinance Bank for a loan application. Given her limited bank experience,\u00a0<\/span>HNP’s team supported her in various banking processes, including opening a bank account, obtaining\u00a0<\/span>an ATM card, preparing loan application documents, and securing a guarantor. Subsequently, she was approved for a loan of PKR 100,000<\/span>.<\/span><\/p>

With the loan, Natasha purchased a variety of fabrics in bulk,enabling her to sell at a higher margin.She diligently managed her profits by<\/span>\u00a0allocating a portion to her bank’s monthly instalment and reinvesting\u00a0<\/span>the remainder in additional fabric purchases. This strategy, reminiscent of her learnings from the\u00a0<\/span>Foundation Level Training, evolved into a sustainable business model.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\nFROM LIMITATION TO LIBERATION<\/span><\/strong><\/strong>\n\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Prior to undergoing the Foundation Level Training, Natasha’s monthly income was limited to PKR\u00a0<\/span>10,000. However, by implementing the teachings from the training and adopting new methods, she\u00a0<\/span>has significantly increased her profitability, now earning a consistent profit of PKR 25,000 per\u00a0<\/span>month,which surges to PKR40,000 during festive seasons such as Eid or weddings.<\/span><\/p>


\u201cThese trainings have helped me take better care of my children. They not just go to school now but\u00a0<\/span>are also taking tuition for the subjects they need help in,\u00a0<\/span>\u201d shared Natasha. \u201cHNP has not just taught\u00a0<\/span>me about business but also how to raise my kids in a better way.\u201d<\/span><\/p>


Looking ahead,Natasha envisions expanding her business beyond her home by renting a space in the\u00a0<\/span>market for her warehouse. In this expanded space, she plans to not only sell fabric directly to\u00a0<\/span>customers but also supply unstitched clothes to other shops in the area. Additionally, she aims to\u00a0<\/span>employ more women to assist her, empowering other women in the community to improve their<\/span>
lives and achieve financial independence.<\/span><\/p>

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YOLL\u2019S FABRICS, LAHORE, PAKISTAN – CONTACT: 0324 6370235
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YOLL\u2019S FABRICS NATASHA SIDDIQUI Natasha Siddiqui, a 30-year-old woman who completed her education up to the 10th standard, is currently separated from her husband.She has two sons and two daughters, and following […]<\/p>\n","protected":false},"author":2,"featured_media":5947,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"footnotes":"","_tec_slr_enabled":"","_tec_slr_layout":""},"categories":[48],"tags":[],"class_list":["post-5945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fblt-success-stories"],"ticketed":false,"_links":{"self":[{"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/posts\/5945","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/comments?post=5945"}],"version-history":[{"count":4,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/posts\/5945\/revisions"}],"predecessor-version":[{"id":5961,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/posts\/5945\/revisions\/5961"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/media\/5947"}],"wp:attachment":[{"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/media?parent=5945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/categories?post=5945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mahmoodtariq.com\/hnp\/wp-json\/wp\/v2\/tags?post=5945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}