Sahajahan Khatun (Photo 1) sitting first from the right in the group photo. She has a small dairy farm. She supplies milk to her locality. 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 five family members including two daughters who are in the school. She wants to give her daughter higher education despite her low income. Her husband helps her in this business and her monthly income is Rs. 1000/- (USD22). She is the group leader, so she organizes monthly meetings and ensures that all repayments are made on time.
Samina Khatun (Photo 2) sitting next to Sahajahan Khatun in the group photo. She sells clothes door-to-door. She wants to set up a permanent shop in a marketplace. She has applied for a micro-loan for a clothing store. She has seven family members, including two sons and three daughters. Her monthly income is Rs. 1500/- (USD33).
Aisha Khatun sitting in the middle of group photo has a small shop of bangles. Her husband helps her in this business. She wants to expand her business hence applied for micro loan. She has a big family with eight members including three daughters and three sons among them one of the sons is a daily worker and rest are going to school. Her monthly income is Rs. 1000/- (USD22).
Samina Khatun sitting second from the left sells bangle at her home. She wants to invest more in her business as customers are growing with demand for cosmetic products hence she has applied for a micro loan. She has big family with eight members including four sons and two daughters who attend to school. Her monthly income is Rs. 1000/- (USD22).
Pinki Khatun sitting first from left is living by running a poultry farm, with the help of her husband. She sells hens and eggs in the local market. She also needs to purchase medicine and hybrid-quality hens. She has applied for a micro-loan for her poultry farm. Presently, 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.