Kasima Bibi owns a small poultry farm, and sells chicken and eggs for a living. She lives in a joint family and her children are studying in College. She has applied for a microloan to build a thatched roof for her farm and put a net for windows. She will also purchase hybrid hens and medicines from the loan amount. Koraisa Bibi (photo 2), earns her living by rearing goats. She is the group leader and organizes monthly meetings and ensures that repayments are on time. She has applied for a microloan to purchase more goats, their fodder and medicines. In the group photo sitting 2nd from left is Bebi Bibi, who has applied for a microloan for her repairing shop. Sitting next to Kasima Bibi,(photo 1) is Serun and Rabo Bibi. Both of them have applied for a microloan for their vegetable shops. They understand the concept of Joint Liability Group. In case any member is unable to repay the microloan, they will pay on the behalf of the member whose loan is delinquent.