Guriya Devi earns a living by running a small dairy farm. She milks the cows, and her son delivers the milk to customers. Because of this, her children cannot attend school. Her husband works in agriculture and cannot help in the dairy business. She wants to hire one person, who can look after the cows and deliver the milk. She has earned a good reputation, and there is always a demand for milk. She wants to buy more cows to meet the increasing demand of her customers, so she has applied for a micro-loan for her dairy business. She has four family members, including one son and one daughter. She wants to give her children a better future. Her monthly income is Rs.3,500/-. She is the group leader, so she organizes monthly meetings and ensures that all repayments are made on time. Sunita Devi (photo 2) earns a living by running a tailoring shop in her home. Her daughter helps her in this business, and her husband is a daily-wage worker. She lives in a joint family and needs to take care of them. She wants to furnish her shop with a wardrobe and an almirah. She also wants to purchase a stitching machine. She has applied for a micro-loan to buy a sewing machine and almirah. Presently, her monthly income is Rs.3,000/-. Guriya Devi is sitting first from the left in the group photo. Sudebi Devi, sitting next to her, runs a tea stall. She wants to grow her tea stall and have her husband help her in her business, so she has applied for a micro-loan. She has five family members, including two sons, and her monthly income is Rs.2,500/-. She wants to give her children better future. Asha Devi, sitting in the middle, runs a garage with her husband. She has many customers with a variety of needs, and she is unable to serve them adequately. As a result, she wants to grow her business by purchasing improved equipments and hire a mechanic, so she has applied for a micro-loan. She has six family members, including two daughters. Kiran Devi, sitting first from the right has a small confectionery shop, and she has many customers. Both she and her husband are involved in this business. She has applied for a micro-loan so that she can expand her business and hire a person. She has five family members, and her monthly income is Rs.3,500/-. Sunita Devi is sitting second from 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.