Manju Devi (Photo 1) sitting first from the left in the group photograph has a tailoring business at her home. She has many customers, but is unable to serve them adequately. Her husband also helps her in her work. She has applied for a micro-loan for her tailoring business. She has four members in her family including two sons who attend school. Her monthly income is Rs 3000/-(USD66). She is the group leader who organizes monthly meetings and ensures that all repayments are made on time.
Musura Devi (Photo 2) sitting first from the right raises goats. She supplies goat to hotels and restaurants. She wants to expand her business, so she has applied for a micro loan. She has five family members, including two daughters and one son who attend school. Her husband helps her in this business. Her monthly income is Rs3000 (USD66). She also wants to increase her income so that she will be able to deal with emergencies.
Mundri Devi sitting second from the right runs a vegetable shop with her husband in her house. She wants to expand her business and hence applied for micro loan. She also wants to earn more profit to save something for the future requirements. She has five members in her family including one son and two daughters who are in school. Her monthly income is Rs3000/-(USD66).
Karuna Devi sitting in the middle of the group photo has a tailoring shop at her home where she gets a few customers. She wants to move her shop to a market place where she can get more customers and increase her income as her family needs are increasing day by day. Hence she has applied for micro loan for her tailoring business. She has six members in her family including three sons and one daughter who attend school. Her monthly income is Rs3000/-(USD66).
Puthula Devi sitting second from the left has a small shoes shop. She wants to expand her business hence she has applied for a micro loan. She wants to earn more profit and improve her standard of living. Her husband also helps her in this business. She has five family members including one daughter and two sons. Her monthly income is Rs 3000(USD66).
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.