Manju Devi sitting first from left corner has a small grocery shop in her home. She wants to expand her business to earn more, hence she has applied for a micro loan. She has five family members including three sons who are in the school. She is quite worried for her sons. Her husband also helps her in this business and her monthly income is Rs 3000/-(USD66).
Anita Devi sitting next to Manju Devi in the group photo. She also has a small grocery shop. She wants to expand the business. Hence she has applied for a micro loan. She has six family members including one son and three daughters who attend school. Her monthly income is Rs 3500/-(USD77).
Majnu Begam sitting in the middle of the group photo provides auto service with her husband. Her customers are increasing day by day. She wants to hire an auto and a driver. Hence she has applied for a micro loan. She has six family members including two daughters and two sons who are in school. She also wants to earn more to answer the growing needs of her family and to meet the contingencies. Her monthly income is Rs. 1500/-(USD33).
Sanju Devi sitting second last from the left side has a small dairy farm. She supplies milk to individuals. Demand for milk is growing day by day, hence she wants to buy some buffaloes. Therefore she has applied for a micro loan. She has six family members including one son and three daughters who are in school. Her husband helps her in this business 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.
Avadesh Taranum sitting first from right runs a small garage with her husband. She wants to buy some equipment for the garage hence applied for micro loan. She has seven members in her family including three daughters and two sons and her monthly income is Rs 1000/-(USD22).
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.