Ashma Khatun sells bangles door-to-door. She wants to have a shop at the marketplace where she can serve more customers and increase her income. In order to do this, she has applied for a micro-loan. She has six members in her family including three daughters and two sons who attend school and her monthly income is Rs 3000/-(USD66). She is the group leader, so she organizes monthly meetings and ensures that all repayments are made on time.
Hasina Khatun (Photo 2) earns her living by selling clothes with her husband. She wants to invest in her business and also wants to buy a sewing machine for this business, hence she has applied for a micro loan. She has a big family with eight members including six daughters who attend school. Her monthly income is Rs2500/-(USD55).
Anita Devi sitting first from the left runs a pig farm with her husband. She wants to expand her business to increase her income and save something for the future hence she has applied for a micro loan. She has six members in her family including three daughters and one son who attends school. Her monthly income is Rs 3000/-(USD66).
Malti Devi sitting second from the left runs a small hotel with her husband. She wants to grow her business by increasing the size of her hotel. She has applied for a micro-loan for her hotel. She has five family members including two daughters and one son who attend school. Her monthly income is Rs 2500/-(USD55).
Muneja Khatun sitting second from the right runs animal husbandry with her husband. She wants to buy some goats for her business and has hence applied for a microloan. She has three members in her family including one daughter who attends school. 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 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.