Malti Devi has a small laundry, but she does not have many customers because she lacks modern services. She wants to purchase some modern equipment to provide improved services, attract more customers, and cater to the growing needs of her family, so she has applied for a micro-loan. She has five family members, including two sons who attend a nearby school, and her monthly income is Rs.2,000(USD 44). She is the group leader, and she organizes monthly meetings and ensures all repayments are made on time.
Habiban Bibi (photo 2) has a small bangle store in her home, where she is unable to attract many customers. She wants to open a permanent shop in a marketplace, where she can get many customers, so she has applied for a micro-loan. She has five family members, including one son and one daughter,and her monthly income is Rs.1,500(USD 33). She is sitting first from the left in the group photo.
Anita Devi is sitting next to her. She has a tailoring shop with many customers. In order to buy two sewing machines and hire one person, she has applied for a micro-loan. She has three family members, including one son who goes to nearby a school. She is dedicated to giving her son a bright future in spite of her low income. Her monthly income is Rs. 2000(USD 44).
Malti Devi is sitting in the middle.
Sakina Bibi, sitting first from the right, has a cosmetics store in her home. She wants capital to buy a variety of products, so she has applied for a micro-loan. She has five family members, including one son and one daughter. Her monthly income is Rs.2,500(USD 55).
Jaibun Khatun, sitting second from the right, has a decoration shop. She wants to buy some equipment for decoration purposes and has applied for a micro loan. Her monthly income is Rs.3,000(USD 66).
These entrepreneurs are very dedicated and want to do well not only for themselves but also for their families. They understand the concept of a Joint Liability Group; if any member of the group is unable to repay their micro-loan, the other members will pay on the behalf of the member whose loan is delinquent. The entrepreneurs in the group support each other through joint liability.