Sakho Devi has a grocery shop of her own, with which she earns her living. She has applied for a microloan to expand her small grocery shop, so that she can meet the demand from customers. She has 3 children who go to a nearby school. She is also the group leader of the Joint Liability Group at Ritudih. She organizes monthly meetings and ensures that repayments are on time.
Sharda Devi (photo 2) helps her husband in the business of battery making, she has applied for a microloan to purchase materials required for making batteries. She has 3 children, 2 of them go to school, she lives in a joint family and needs to take care of them.
In the group photograph, Chinta Devi, who has applied for a microloan for her bakery shop is sitting besides Sakho Devi. Sitting beside Sharda Devi on the second row to the right is Lalita Devi. She has applied for a microloan for her tea and sweets shop.
Babita Devi sitting in the 3rd row from left has applied for a microloan to purchase a sewing machine. Sitting next to her is Shakumti Devi.
These entrepreneurs are very dedicated and want to do good for themselves and their family. They understand the concept of Joint Liability Group. In case any member is unable to repay the microloan, they will pay on the behalf of the member whose loan is delinquent.