Sunita Devi supports her family by stitching clothes, as her husband is no longer alive. She does the stitching work at her home. She has applied for a microloan to rent space, furnish it with goods and purchase a sewing machine. She hopes to increase her income and meet the growing needs of her children.
Sitting beside her in group photo is Gayatri Devi, who is the group Leader. She organizes monthly meetings and ensures that repayments are on time. She has applied for a microloan for her vegetable shop. Sitting next to her is Gita Devi. She has also applied for a microloan for her vegetable shop. Besides her is Durgawati Devi, she has applied for a microloan for her tailoring shop. Next to her is Rakhi Devi, she sells fish.
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.