Haejum Bibi has a small dairy farm with some goats. She wants to buy some more goats due to increasing demand of goats milk and has hence applied for a micro loan. She has six members in her family including two daughters and three sons who are daily wage worker. Her monthly income is Rs 1500/-(USD33). She is the group leader, and she organizes monthly meetings and ensures that all repayments are made on time.
Afda Khatun sitting first from the right in the group photograph has a small poultry farm. She wants to increase her income by expanding her business as day to day requirements of her family are increasing, hence she has applied for a micro loan. She has seven family members including two daughters and three sons who attend school. Her monthly income is Rs 2000/-(USD44).
Kulsum Bibi sitting in the middle of the group photo has oil cloth business. Her husband helps her in this business. She wants to expand her business and wants a permanent place in the market for this business hence applied for micro loan. She has four members in her family including one son and one daughter and her monthly income is Rs 1000/-(USD22).
Tamanna Khatun sitting second last from the right sells bangles. Her husband helps her in this work. She wants to expand her business and take a permanent shop hence applied for micro loan. Her monthly income is Rs1500/-(USD33). She has six members in her family including two daughters and two sons who attends to school.
Kasiran Khatun sitting first from left in the group photo. She has a bangle shop at her home where she is unable to get many customers. She wants to move her shop to a market place and increase the products of her shop; hence she has applied for a micro loan. She has four family members including two sons who attend to school. She also wants to increase her monthly income to provide better nutrition to her family and save something for the future. Her monthly income is Rs 1000/-(USD22).
These entrepreneurs are very dedicated and want to do good for themselves and their families. They understand the concept of a Joint Liability Group. In case any member is unable to repay the micro loan, they will pay on behalf of the member whose loan is delinquent. The entrepreneurs in the group support each other through the joint liability concept.