There is an unsaid commonality between all kinds of plans and strategies. It is the component that often causes many people to not start with their ventures in the first place. It is also what causes many others to give up on their plans at the first sight of the monster lifting its ominous head. This component is known to haunt even the sturdiest lot of people, sometimes even depriving them of a peaceful night's sleep.

Some, possibly due to their own set of encounters, might have already guessed what it is. This lingering reality is none other than the fear of unpredictable risks, the one that sneaks up despite carefully designed strategies; the very thing that we did not foresee.

This shape-shifting menace, which we often label as the "risk factor", can visit one at the most opportune time, just when things have started picking up. On other occasions, it can also prop itself up to pile on to an already dire struggle.

Such was the situation of our Manika Adhikary.

A mother of two, she had availed herself of our resources to buy a cycle rickshaw van for her business. After rising to meet an already long and tiring battle with the pandemic, as life would have it, her van was stolen one fateful day. Thus, she was deprived of the fruit of her labor. But she repaid the loan that she had taken against it.

It is in these situations when the resolute are tested at the brink of their capacities that their undying spirit reveals itself. Instead of succumbing to the misfortune, Manika responded with renewed willpower. One might infer that her experience with the world had toughened her enough to know better than to give in to the clutches of misfortune. Instead of blaming fate, she resolved to move forward with steadfast determination.

Making the best of what she still possessed, that is, the invaluable blend of hope and skill, she started a new business. With the support of her family, she started a sewing business. Not only is she supporting her livelihood but is also set on availing yet another loan to buy a new van that shall put her back in the game.

Manika's story is a reflection of the fierce women who are empowered with a treasure that they refuse to let anyone steal: hope.

It is in front of these powerful warriors with unfazed grit that the monster of unpredictability bows down. They face the unfortunate circumstances that life throws at them, head-on.

The testimonial of Manika's fight for success is an inspiration for the numerous strugglers who despite all odds, dare to hope. For these warriors who help themselves in the toughest of times, VFS Capital shall do everything in its power to proudly stand as a pillar of support, by believing in them yet again.