Mita Devi has a fast food stall with her husband. She wants to invest in her business as the customers are increasing every day, hence applied for micro loan for her business. Her monthly income is Rs 3000/-(USD66). She is the group leader who organizes monthly meetings and ensures all repayments are made on time. Poonam Devi standing second from the left in the group photograph has a small dairy farm. She wants to buy some more cows to cater to the increased demand of her customers. She has applied for a micro-loan for her dairy farm. She lives in a family of five members including three sons and her monthly income is Rs.3500/-(USD77). Shanti Devi has a tailoring shop. She has many customers to whom she is unable to provide service in a timely manner, hence she wants to buy two sewing machines and hire one person. Therefore she has applied for a micro loan. She has five family members and her monthly income is Rs 4000/-(USD88). Duleshari Devi standing second from the right side in the group photo has a small restaurant which she runs with her husband. She wants to increase its size as customers are increasing. Hence she has applied for a micro loan. She lives in a big family with six members including three daughter and three sons. Her monthly income is Rs 4000/-(USD88). She wants to expand her business to earn more and improve the living condition of her house. Sona Jhari Devi standing first from the right corner. She has a dairy farm. She wants to buy some cows; hence she has applied for a micro loan. She has a big family with eight members including two son and four daughters. Her husband helps her in this business. Her monthly income is Rs 4000/-(USD88). These entrepreneurs are very dedicated and want to do good for themselves and their families. They understand the concept of a Joint Liability Group. In case any member is unable to repay the micro loan, they will pay on behalf of the member whose loan is delinquent. The entrepreneurs in the group support each other through the joint liability concept.