In the quiet village of Sadiwal, Rahim Yar Khan, Samia Bibi’s life was defined by struggle. With six mouths to feed including four sons and a daughter the family barely survived on her husband’s meager monthly income of PKR 10,000–15,000.

Skilled in hand embroidery since childhood, Samia saw a glimmer of hope when she heard about the Prime Minister’s Interest Free Loan Programme, which offers loans of up to PKR 75,000 to eligible individuals. The initiative, led by the Pakistan Poverty Alleviation Fund (PPAF), is implemented through its partner organisations. Samia reached out to the local office of PPAF’s implementing partner. With courage and determination, she applied for and received her first loan of PKR 40,000.

She used the amount to purchase silk threads and embroidery materials and began working from a small corner of her home, despite initial resistance from her family and tough competition in the market. Undeterred, Samia refined her designs, improved the quality of her products, and gradually built a loyal customer base. Through subsequent interest free loans, she expanded her work to include shawls, sarees, dupattas, and cushion covers.
Today, Samia earns up to PKR 65,000 per month. Her children, once deprived of opportunities, are now enrolled in school. She has repaired her home, ensured access to nutritious food and healthcare, and now lives with dignity.

Samia now shares her skills in embroidery and basic business with other women in her village, helping them carve out their own journeys toward financial independence. Her success has become a stepping stone for many others.