Agrun Nisha is 47 years old and married. She has a small television repairing shop. Her husband and one of her sons help her in this business. She wants to buy some equipment for this business and hence applied for micro loan. She has a big family with seven members including five sons. All of her sons work on the basis of daily wages at a construction site. Her monthly income is Rs 3000/-(USD66).
Agrun Nisha and all the members in this group are on the second cycle loan from Ajiwika Society. They have successfully repaid the first cycle loan.
Agrun Nisha is the group leader who organizes monthly meetings and ensures that all repayments are made on time.
Sibani Swarnakar is sitting first from the left at the front row in the group photo. She is 44 years old and married. She is a peddler of kitchen utensils. Her husband also helps her in this business. She wants to have stock of materials for selling in the future and for this purpose she has applied for micro loan. Her husband is a very hard working person he goes out for the business at 7.00 AM in the morning and returns home in the evening. She has two sons. One of her sons is a peddler of clothes and the other one works on the for companies on daily wages. Her monthly income is Rs3000/-(USD66).
Ruksana Khatun is sitting first form the right at front row of the group photo. She is 30 years old and married. Her husband has a small garage which he needs to expand as his customers are increasing. He also wants to buy some equipment for this business and also buy some mobil oil to sell in his garage as his customers are demanding for the products at the time they come for their vehicle repairing and servicing. In order to do all this Ruksana Khatun has applied for micro loan as she is dependent on her husband and her house is being run by the small garage of her husband. She has three sons who go to school. Her monthly income is Rs 3000/-(USD66).
Zulekha Bibi is sitting first from the right at the back row in the group photo. She is 29 years old and married living with her husband and two daughters in her family. Her daughters attend school. She runs a small shoe shop with her husband. She wants to invest in her business as she is getting more and more customers whoa re asking for various and latest models and designs of shoes. In order to serve her customers and also to earn more she has applied for micro loan. She is doing this business from last four years. Her monthly income is Rs 3000/-(USD66).
Niama Khatun is sitting in the middle on the back row of the group photo. She is 26 years old and married. Her husband is vendor of seasonal products. She also wants to make some stock of the products and to do this she has applied for micro loan. She has six members in her family including two sons and two daughters who attend school. Her monthly income is Rs 3000/-(USD66).
Sajda Khatun is sitting first from the left on the back row in group photo. She is 38 years old and married woman. She has tailoring business which she does at her home. Her husband also helps her in this business. She has many customers to whom she is unable to give proper service on time and to avoid this problem she wants to purchase one tailoring machine and hire a person to help her in this business. To do all this she has applied for micro loan. She has two daughters who are attend school. Her monthly income is Rs3000/-(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