Pramila Devi runs a grocery shop with her husband. She has earned a good reputation in her area for the quality and variety of her products. She has many customers with growing demands for different products. As a result, she wants to capitalize the shop and has applied for a micro loan. She has five family members, including one son who is in the school. She strives to give her son a bright future. Her monthly income is Rs.3000 ($66). As the group leader, she organizes monthly meetings and ensures all repayments are made on time. She is sitting the in the middle in the group photo.
Ruma Devi (photo 2) grows and sells vegetables. She wants to increase her area of cultivation, as she is attracting more customers. As a result, she has applied for a micro loan. She has four family members, including one son and one daughter who are in the school. She is quite worried for her children. Her monthly income is Rs.2000 ($44). She is sitting second from the left in the group photo.
Sita Devi, sitting first from the left in the group photo, runs a small grocery shop at her home. She wants to expand the business, so she has applied for a micro loan. She has six family members, including two sons. She wants to increase her income, as her family’s needs are increasing, and also wants to save to meet contingencies. Her husband also helps her in this business, and her monthly income is Rs.2500 ($55).
Yashoda Devi, sitting first from the right, has a tailoring business, where she and her husband work in shifts as she has many customers. She wants to buy two sewing machines and hire one person, so she has applied for a micro loan. She has four family members, including one daughter, and her monthly income is Rs.2000 ($44).
Sunita Devi, sitting second from the right, runs a garage with her husband. She is attracting more customers and wants to buy some equipment for the garage. Because of this, she has applied for a micro loan. She has four family members, including one son and her monthly income is Rs.2500 ($55).
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.
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.