Malti Devi, a 28- year-old woman, is suffering from polio (right lower limb) from the age of 2. She
came to Delhi with her husband, after her wedding. Her husband also has polio in his left upper limb.
She worked for seven long years as a household maid to earn Rs 1000 per month which supported
the income of the family. Her husband owns a tea stall in the local area and was earning about Rs
20-40 per day, which was insufficient for the family to meet even the daily requirement needs, let
alone larger expenditures like rent and education of the children. It was in this scenario that she
decided to approach the FOD for financial help in increasing the business of her husband so that,
they can afford better living for the family,

With the help from FOD, under Apna Rozgaar Scheme, Malti Devi and her husband have increased
their profit from the tea stall and tobacco products. They now earn about Rs 200 per day and are
able to meet the needs of the family. They also have a savings account in a bank which has about Rs
18000/- saved for the future. The husband-wife team was helped in expanding their business with
an amount of Rs 7000/- (Rs. 3,500/- each) on December 5, 2010. The savings of Rs 18000, excluding
other daily expenses, is an encouraging example of the efficient use of the funds.

Today she is like any other woman who helps her family, especially her husband in running his tea
stall business. She is actively involved in the functioning and all decisions relating to the house.
Despite her disability, and being a woman from a poor and rural state like Bihar, she, with the help
of FOD, has changed her fate. She smiles when her example is given and says,” We exist because of
you.” The reason behind her smile is her confidence and the financial security that she has been able
to achieve despite her disability, with the help of FOD.