Jyoti Devi is 25 years old and a married lady. She runs a grocery shop with her husband from five years. She wants to invest in her business and expand her business as she is getting more customers with increase in demands of product day to day. She wants to utilize the loan amount for buying more products for her shop and to fulfill the growing demands from her customers to earn more profit. She has one son and one daughter who attend school. Her monthly income is Rs2500/-(USD55).
Jyoti Devi is the group leader who organizes monthly meetings and ensures that all repayments are made on time.
Latika Devi (Photo 2) is standing second from the right in the group photo. She is 34 years old and a married woman. She runs a cycle van with her husband. She is in this profession for last 15 years. She wants to purchase her own van for this purpose as she is using a van by hiring it. She has to pay Rs 10 for each day to the owner of the van. In order to save something by purchasing her own van she has applied for micro loan. She has two daughters and two sons. One of her sons does work on the basis of daily wages. Her monthly income is Rs2500/-(USD55).
Latika Devi is taking loan for the second time from Ajiwika Society as she successfully repaid the first loan. She also likes the monthly repayments system.
Tupli Devi is standing first from the right in the group photo. She is 36 years old and a married woman. She does construction work with her husband. She is in this profession for ten years. She is wants to buy some equipment for this purpose and has hence applied for micro loan. She goes to work in the morning at 7a.m and returns from there in the evening at 6 p.m. She has one son and two daughters who attend school. Her monthly income is Rs2000/-(USD44).
Puja Devi is standing second from the left in the group photo. She is 25 years old and a married lady. She runs a small egg stall with her husband since the last five years. She wants to invest capital in her business and buy more eggs and she also wants to expand the size of her business as she is getting more customers and has hence applied for a micro loan. She has one son and two daughters who go to school. Her monthly income is Rs2000/-(USD44). The loan will be a big help because they wish for personal progress and progress for their families.
Aarti Devi is standing first from the left in the group photo is 37 years old and married. She provides auto service with her husband. She has applied for a micro loan in order to repair her auto which is in a very bad condition. As this is the only way of her family income she wants to repair her auto as soon as possible. She also wants to save some thing for the future requirements to deal with the emergencies. Her monthly income is Rs2000/-(USD44). She also wants improve her standard of living.
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.