Alimun Nisha (Photo 1) sitting first from the left in the group photograph runs a small general store from her house. She wants to capitalize her shop to expand her business as the demand is increasing day to day. To meet the growing demand of her customers and to earn more profits she has applied for micro loan. She has five members in her family including two sons. Her monthly income is 1500(USD33). She is the group leader who organizes monthly meetings and ensures that all repayments are made on time.
Sahnaj Begum (Photo 2) sitting second from the right has coal business. She buys coal from the coal washery and sells them in her locality. Her husband helps her in this business. She wants to expand her business and hence applied for micro loan. She wants to make some stock as the price is rising. She has seven members in her family including three sons and two daughters who attend school. Her monthly income is Rs3000/-(USD66).
Jaitun Nisha sitting second from the left does construction work with her husband. She wants to expand her business and has applied for a micro loan. She also wants to save something for the future requirements. She has four members in her family including one son and one daughter who are attending a nearby school. Her monthly income is Rs3000/-(USD66).
Kahiran sitting at the middle in the group photo also does construction work with her husband. She wants to buy some equipment for her business and expand her business and hence applied for micro loan. She also wants to improve her standard of living. She has four members in her family including one son and one daughter and her monthly income is Rs 2000(USD44).
Kuresha Khatun sitting first from the right sells bangles at her home, where she gets a few customers. She wants to move her shop to a market place, where she can get many customers and increase her income. As a result, she has applied for a micro loan. She also wants to save something for the future requirements. She has big family with eight members including five daughters and one son who are in school. Her monthly income is Rs2000/-(USD44).
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.