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Having no credit history was a barrier for Lakshmi and his wife, when they first arrived in Canada. He had completed several pre-arrival programs to help him adjust to the Canadian job market but he encountered many barriers during his first few months in Canada.

Lakshmi enrolled in YMCA pre-arrival programs while still in India, his home country. He hoped that these programs would be enough to help him assimilate into Canadian culture but there were many surprises along the way. The initial months were tough for both Lakshmi and his wife. “We knew nobody here,” he remembers. Finding a home with no credit history or employment was very challenging. He wanted to enjoy life in Canada but there seemed to be endless barriers facing him.

Lakshmi was a senior system administrator back in India and he was interested in pursuing similar work in Canada. However, he needed Canadian education first. He applied for a bridging program at Humber College. During the registration stage, he received a pamphlet about Windmill Microlending and how a loan could help him complete his course.

A Loan from Windmill

For Lakshmi, not having a credit score was a barrier to anything he wanted to do. Renting a house or enrolling in a course seemed impossible. Windmill, he says, encouraged him to pursue his career ambitions despite his low score. His Career Success Coach Joyce offered much-needed assurance that his loan repayments would increase his score.

The trust that Windmill placed in him gave him the courage and support to complete his course and receive his accreditation. Lakshmi noticed that having his Canadian education listed on his resume was very attractive to potential employers. Things were looking up for him at last.

Life in Canada

Lakshmi’s life is very different now from the one he had in the first few months of moving to Canada. He is employed in a job that aligns with his experience and education. His job includes three weeks of paid vacation, which he never had back in India. Life feels much freer than before. “I see everything as an opportunity,” he says. Funds are easier to manage and planning for the future has become much easier.

Every year, Windmill helps hundreds of immigrants by providing loans to help them pay for the licensing or training they need to achieve career success in Canada. Now more than ever Canada’s newcomers need our help.

Please consider a donation to Windmill today.