Farida Khatoon has a rice business. She wants to store more rice because of an increase in demand. To meet capital requirements, she has applied for a micro loan. She has six family members, including two daughters and one son. Her husband helps her in this business. Her monthly income is Rs.2500 ($55). She is the group leader who organizes monthly meetings and ensures all repayments are made on time. She is sitting second from the left in the group photo.
Jamila Khatoon (photo 2) has a grocery shop, which she runs with her husband. She has many customers, who demand a variety of products. To meet the demands of her customers, she needs to invest capital in her business, so she has applied for a micro loan. She has five family members, including one son who is in the school. She strives to give her son a bright future. Her monthly income is Rs.2000 ($44). She is sitting first from the left in the group photo.
Shahnaj Khatoon, sitting at the middle, has centring business. She wants to expand her business and has applied for a micro loan. She has four family members, including one son who is in the school. Her husband helps her in this business, and her monthly income is Rs.2000 ($44).
Husan Aara, sitting first from the right, has a tailoring business at her home. She wants to move her shop to a market place, where she can get many customers and increase her income. As a result, she has applied for a micro loan. She has five family members, including one son and one daughter who are in the school. Her husband is a daily worker, and her monthly income is Rs.2000 ($44).
Jamila Khatoon, sitting second from the right, has a small beauty parlor. She wants to modernize it, as her customers demand is increasing for quality products. As a result, she has applied for a micro loan. She has four family members, and her monthly income is Rs.1500 ($33).
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.
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.