Sharada Chougala and few of her friends were chatting as we entered her house. Sharda lives in Janwad village in Karnataka. She lives with her husband, two kids and mother-in-law. Her husband works on the farm while she looks after small shop in front of her house. She has a son and a daughter. They are studying in school. Sharada initially took a loan for buying a buffalo. But after few months she sold it an invested the same amount in opening the shop. Janwad is a very small village and people needs to walk a long distance to buy daily necessities. Sharada thought it was good opportunity to open a shop. Being the only shop in the village she has a stable income and good customer base. Sharada and her mother-in-law look after the shop. They go to the city once in a month to refill the stock and purchase things from wholesalers.