Haliman Bibi runs a very small grocery shop in her house. Her husband also helps her in this business. She wants expand her business to earn more and save something for the future requirements and has hence applied for a microloan. She has seven members in her family including four daughters and one son and her monthly income is Rs3000/-(USD66). She is the group leader, and she organizes monthly meetings and ensures that all repayments are made on time.
Amana Bibi sitting in the middle of the group photo sells bangles at customers door steps. She wants to expand her business and take a permanent shop hence applied for micro loan. Her husband helps her in this work. She has five members in her family including three sons who attend school. Her monthly income is Rs 2000/-(USD44).
Akliman Bibi sitting first from the right in the group photo does centring work with her husband. She wants to buy some equipment for her business hence applied for micro loan. She has six family members including one daughter and three sons who attend school. Her monthly income is Rs 2000/-(USD44). She is quite ambitious about her children's future. She wants to give her children higher education inspite of her low income.
Amna Bibi sitting first from the left runs welding shop with her husband. She wants to expand her business and wants to buy some equipment for this purpose hence she has applied for a microloan. She has five members in her family including one daughter and two sons who attend school. Her monthly income is Rs 2000/-(USD44).
Chutanuiya Bibi sitting second from the left runs tailoring business from her house. 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 two sons and two daughters who attend school. Her monthly income is 2000/-(USD44).
These entrepreneurs are very dedicated and want to do good for themselves and their families. They understand the concept of Joint Liability Group. In case any member is unable to repay the micro loan, they will pay on the behalf of the member whose loan is delinquent. The entrepreneurs in the group support each other through the joint liability concept.
Note: In the entrepreneur names you may find that several last names are repeated e.g. Devi, Bibi, Kumari. These are not last names as commonly understood but respectful ways of addressing ladies in certain parts of India.