Kalpana Devi earns a living by running a poultry farm, with the help of her husband. She sells hens and eggs in the local market. The roof of the poultry farm is thatched and needs to be repaired. She also needs to purchase medicine and hybrid-quality hens. She has applied for a micro-loan for her poultry farm. Presently, her monthly income is Rs.2,000/-. She is the group leader, so she organizes monthly meetings and ensures that all repayments are made on time.
Krishna Devi (photo 2) has a small dairy business. She earns a living by selling milk in the local market. Because there is a growing demand from her customers, she wants to purchase cows. She has two sons and three daughters, all of whom attend nearby schools. She has applied for a micro-loan to purchase the cows. Presently, her monthly income is Rs.2,000/-.
Lakhpati Devi, sitting first from the left in the group photo, has a tailoring business in her home. Because of this, she cannot serve more customers. As a result, she wants to move her shop to a marketplace and buy two new sewing machines. She also wants to hire one person and have her husband help her. She has applied for a micro-loan for her dairy farm. She has six family members, including two sons and one daughter, who attend a nearby school. Her monthly income is Rs.2,000/-.
Kalpana Devi is sitting second from the left in the group photo.
Shanti Khalkho, sitting in the middle, has a tailoring business at her home. She has many customers, but is unable to serve them adequately. She wants to buy two sewing machines and hire one person. Her husband also helps her in her work. She has applied for a micro-loan for her tailoring business. She lives in a joint family with seven family members, including two sons. Her monthly income is Rs.3,500/-.
Manju Devi, sitting second from the right, runs a small electronics shop with a few customers. She wants to attract more customers by purchasing improved products. She has applied for a micro-loan for her electronics shop. She has five family members, including one son and one daughter. Her monthly income is Rs.3,000/-.
Krishna Devi is sitting on the right.
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.