Manika, 30, her husband, son, 5 and daughter 2 1/2 had to live with her parents-in-law for lack of their own funds. His parents took out loans for their own medical bills at 36% interest and could not pay them on time. "We went without food other than rice at times. HIs parents started hating us when their loans became too great, and we could not pay them." In order to move out of her parents-in-law's house, Manika began sorting gem stones in a shop, and her husband made studs for the company. Three years ago, they realized they could do this business on their own. Her husband taught her how to make the studs. She used her first loan to purchase materials to make gold and synthetic studs for earrings. belts, watches and shoes. Her husband acted as the middleman purchasing raw materials and delivering the finished product. The synthetic ones sell very fast to the wholesale buyers, so she is working long hours in their tiny rented flat. This brings on headaches. She would like to expand the business and hire more people to make the studs as an assembly line.