Kajala Devi runs a small hotel. She wants to grow her business by increasing the size of her hotel as the customers are increasing day to day. She has applied for a micro-loan for her hotel. She has one son and one daughter and her monthly income is Rs 3000/-(USD66). She is the group leader who organizes monthly meetings and ensures all repayments are made on time.
Khatuna Bibi (Photo 2) sitting second from the right sells bangles from door to door, where she gets a few customers. She wants to make a shop near to the market place, where she can get many customers and increase her income. As a result, she has applied for a micro loan. She has three members in her family including one daughter. Her monthly income is Rs 3000/-(USD66).
Badni Devi sitting in the middle at the back row in the group photo sells bangles door-to-door. She wants to have a shop at the marketplace where she can serve more customers and increase her income. In order to do this, she has applied for a micro-loan. She has three members in her family including one son. She wants to give her son higher education. Her monthly income is Rs 3000/-(USD66).
Oikilan Khatun sitting first from the right is a farmer who grows paddy. She wants to increase the land under cultivation and hence she has applied for a micro loan. Her husband also works with her in the field. She has eight members in her family including three sons and two daughters. She has her father-in law who completely depends on her. Her monthly income is Rs 3000/-(USD66).
Julekha Bibi sitting second from the left has a cosmetic shop. Her customers are increasing day by day with demand for varieties of products. To fulfill the demands of her customers and increase her earning, she has applied for a micro loan. She has six members in her family including two sons and two daughters and her monthly income is Rs 3000/-(USD66).
These entrepreneurs are very dedicated and want to do good for themselves and their families. They understand the concept of Joint Liability Group. In case any member is unable to repay the micro loan, they will pay on the behalf of the member whose loan is delinquent. The entrepreneurs in the group support each other through the joint liability concept.