Panmati Devi supports her family by stitching gloves. She has earned a good name in making gloves and now needs to expand her small business, for this purpose she has applied for a microloan. She hopes to improve her livelihood by this expansion. She is also the group leader of the Dhatkidih Joint Liability Group II. She organizes monthly meetings and ensures that repayments are on time. In the group photograph, the ladies sitting on the right are members of Dhatkidih Joint Liability Group II. Sitting behind Panmati Devi is Bina Devi, who has applied for a microloan for her bakery shop. Behind her is Sawitri Devi, she has applied for a microloan for her grocery shop. Sitting behind her is Ranju Devi, who needs a loan to purchase a cow. Shivja Devi sitting on the last row has applied for a microloan for her small sweets shop. 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 that delinquent member.