Maya Devi owns a few cows and earns her living by selling milk in the market. She has 4 children, 2 of them are in college and 2 in school. She has applied for a microloan to purchase a cow and fodder. She is a member of the Dhatikidih Joint Liability Group I.
The group photo is of Dhatkidih Centre. The ladies sitting in the row on the left are the members of Dhatkidih JLG I. The lady sitting in the front on the left row, Bindu Devi, is the group leader. She organizes monthly meetings and ensures that repayments are on time. She has applied for a microloan to purchase a sewing machine. Sitting behind her is Shanti Devi, she has applied for a microloan for her grocery shop. Sitting behind her is Savitri Devi, she has applied for a microloan for her cloth store. . Vidhika Devi sitting in the last row has applied for a microloan to purchase a cow.
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.