Salma Bibi has a tailoring business. She has earned a good reputation in her area due to her good work. She has a lot of customers, who she is unable to serve effectively, even though her husband helps her in the work. She wants to buy two sewing machines and hire two people to serve customers more smoothly. As a result, she has applied for a micro loan. She has five family members, including two sons who attend the nearby school, and her monthly income is Rs.2500 ($55). As the group leader, she organizes monthly meetings and ensures all repayments are made on time. She is sitting the in middle in the group photo.
Amana Khatoon (photo 2) also has a tailoring business, which she wants to move to a marketplace due to a lack of customers. As a result, she has applied for a micro loan. She wants to increase her income as her family’s needs are increasing day by day. She has five family members, including one son who is a daily worker, and her monthly income is Rs.2000 ($44). She is sitting first from the right in the group photo.
Munni Devi, sitting first from the left in the group photo, has a carpentry business. She wants to increase its size and modernize it, as the demands of her customers are increasing for a variety of products. Because of this, she has applied for a micro loan. She has four family members, including one daughter who is in the school, and her monthly income is Rs.2500 ($55).
Najmul Bibi, sitting next to her, has a very small fruit shop. She wants to expand it, as her customers are increasing, so she has applied for a micro loan. She has four family members, including one son who is in the school. She wants to give her son higher education in spite of her low income. Her monthly income is Rs.2000 ($44).
Sahjadi Bibi, sitting second from the right, does cement work. She wants to buy some equipment for her shop, so she has applied for a micro loan. She has six family members, and her monthly income is Rs.2000 ($44).
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.