Sita Devi has a grocery shop. She wants to increase the size of business by investing more capital, so she has applied for a micro-loan. She has four family members, including two sons who help her in her business. Her monthly income is Rs.3,500(USD 77). She is the group leader, and she organizes monthly meetings and ensures all repayments are made on time.
Panwati Devi (photo 2) has a tile business. She has many customers, but with her current level of capital, she is unable to meet their demand. She wants to invest more in the business, so that she can supply goods in a timely manner. As a result, she has applied for a micro-loan. She has four family members, and her monthly income is Rs.3,000(USD 66).
Sita Devi is sitting first from the left in the group photo.
Meena Devi, sitting next to Sita Devi, sells vegetables in very small quantities. She wants to increase the size of her business because there is a growing demand for her products, so she has applied for a micro-loan. She has seven family members, including one daughter and two sons who help her in her business. Her monthly income is Rs.2,000(USD 44).
Manodari Devi, sitting in the middle, also sells vegetables at her customers' door steps. She wants to set up a permanent shop in a marketplace, so she has applied for a micro-loan. She has five family members, including one son who attends a nearby school, and her monthly income is Rs.2,500(USD 55).
Rupa Devi, sitting first from the right, has a cloth store in her home. She wants to move her business to a marketplace, where she can attract many customers. Therefore, she has applied for a micro-loan. She has five family members, including two sons who attend a nearby school, and her monthly income is Rs.2,000(USD 44).
Panwati 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. The entrepreneurs in the group support each other through joint liability.