Microfinance clients are often described according to their poverty level-vulnerable non-poor, poor, very poor. At Unity Mutual Nidhi Ltd., the women make up 100% of clients. These clients operate small businesses, work on small farms, work for themselves or for others in a variety of businesses-fishing, carpentry, vegetable selling, small shops, transportation, and much more. Some of these microfinance clients are truly entrepreneurs – they enjoy creating and running their own businesses. Others become entrepreneurs by necessity when there are few jobs available in the formal sector.