Pinki Devi does stitching works and also teaches stitching in her house. She wants to buy two sewing machines so that she can cater service to the customers and also to teach her students properly. Her husband also helps her in this business. Her monthly income is rupees 3000/-(USD66). She is the group leader who organizes monthly meetings and ensures that all repayments are made on time.
Joshna Devi (Photo 2) sitting in the middle in the front row. She has a small betel shop at her home. She wants to grow the business. Hence she has applied for a micro loan. She has five family members including one son who helps her in this business. Her monthly income is Rs.3500/-(USD77).
Ashoka Devi sitting first from the right in the front row has a small betel shop. She wants to expand this business to increase her income, hence she has applied for a micro loan. She has four family members including two sons who attend a nearby school. Her monthly income is Rs.3000 /-(USD66). Her husband also helps her in this business. She wants to give her sons higher studies and hence she wants to prepare them accordingly.
Meera Devi sitting first from right at back row sells utensils door to door. She wants to set up a permanent store at a marketplace, so she has applied for a micro-loan. She has four family members and her monthly income is Rs 3000/-(USD66). She wants to improve standard of living and sanitation of her house, hence she wants to earn more.
Rekha Devi sitting first from the left in the back row has a tailoring business at her home. She has many customers, but is unable to serve them adequately. Her husband also helps her in her work. She has applied for a micro-loan for her tailoring business. She has four members in her family including one son and one daughter. 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 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.