Kalavati Devi (Photo 1) sitting in the middle of the group photo has a small grocery shop at her house. She wants to capitalize her business to buy a larger variety of items due to the increasing demands of her customers, so she has applied for a micro loan. Her husband also helps her in this business. She has six members in her family including two sons and two daughters and her monthly income is Rs3500/-(USD77). She is the group leader who organizes monthly meetings and ensures that all repayments are made on time. Rupam Devi sitting first from the right is a plumber. She wants to buy some equipment for this business and hence applied for micro loan. Her husband helps her in this business. She wants to earn more profit to save something for the future requirements and her children education. She has four family members including one son and one daughter who attends to school and her monthly income is Rs2000/-(USD44). Meena Devi sitting second from the right sells plastics, tins etc. she wants to expand her business to earn more profit hence applied for micro loan. Her husband also helps her in this business. She has seven members in her family including three daughters and two sons who attend school. Her monthly income is Rs3000/-(USD66). Babni Devi sitting first from the left is also a plumber. Her husband helps her in this business. She wants to buy some equipment for this business and hence applied for micro loan. She has four members in her family including one daughter and one son who helps her in this business. Her monthly income is Rs3000/-(USD66). Rita Devi sitting second from the left sells vegetables. She wants to expand her business as the customers are increasing day to day and hence applied for micro loan. Her husband helps her in this business. She has three members in her family including one son who helps her in this work. Her monthly income is Rs 3500/-(USD77). These entrepreneurs are very dedicated and want to do good for themselves and their families. They understand the concept of Joint Liability Group. In case any member is unable to repay the micro loan, they will pay on the behalf of the member whose loan is delinquent. The entrepreneurs in the group support each other through the joint liability concept. Note: In the entrepreneur names you may find that several last names are repeated e.g. Devi, Bibi, Kumari. These are not last names as commonly understood but respectful ways of addressing ladies in certain parts of India.