Salma Bibi earns a living from her cosmetics store, which she operates from her house. Because her house is located in a sparsely populated area, she is unable to attract more customers. As a result, she wants to move her store to a marketplace, where she can serve a larger number of customers and supply her store with more items. In order to achieve this, she has applied for a micro-loan for her small cosmetics store. She is the group leader, and she organizes monthly meetings and ensures that all repayments are made on time.
Guljan Bibi (photo 2) and her husband are daily-wage workers and work on construction sites. In addition to this, her husband does small repair work. Both of them want to start a cement shop. Her husband will continue his daily-wage and repair work and she wants to purchase cement and equipment to repair. She has applied for a micro-loan for her cement and repair shop. There are four people in her family, which includes her two sons. Her monthly income is Rs.3,500/-.
Hazara Bibi is sitting first from the left in the group photo owns a small furniture store. Her husband works there alone and they offer locally-made hardware, which does not attract a lot of customers. As a result, she has applied for a micro-loan for her furniture store so that she and her husband can purchase decorative and sophisticated hardware. With this investment, they hope to improve their standard of living. She has four family members and her monthly income is Rs.2,500/-.
Gulsan Ara sitting next to Hazara Bibi, owns a welding store. She runs it with her husband and their two sons. She has applied for a micro-loan for the store. She has five family members and her monthly income is Rs.3,000/-.
Salma Bibi is sitting at the center, and Guljan Bibi is sitting second from the right.
Sarifan Bibi is sitting first from the right. She runs a tailoring business from her house. She wants to move her business to the marketplace where she can attract more customers. She has applied for a micro-loan so that she can buy a sewing machine. There are five people in her family including two daughters.
These entrepreneurs are very dedicated and want to do well not only for themselves but also for their families. They understand the concept of a Joint Liability Group. If any member of the group is unable to repay their micro-loan, the other members will pay on the behalf of the member whose loan is delinquent.