Ashma Khatun has a small tailoring shop. She has many customers. She wants to buy two sewing machines and hire one person to cater service to the customers properly. Her husband also helps her in this business. She has three family members including one son who studies in school. She wants to give her son higher education in spite of her low income. Her monthly income is Rs3000/-(USD66). She is the group leader who organizes monthly meeting and ensures all repayments are made on time.
Sarita Khatun sitting first from left runs a small electronics shop, and her monthly income is Rs.3,000/-(USD66). She has a difficult time getting more clients because of the limited availability of electronic products. She has applied for a micro-loan so that she can expand her business, cater to the needs of her customers, and improve her standard of living.
Sairum Nisha sitting next to Sarita Khatun in the group photo. Her husband is a peddler of biscuits. She wants to invest in her business and wants a permanent place in the market hence applied for micro loan. She has six members in her family including two daughters and two sons and her monthly income is Rs 3000/-(USD66).
Sofia Khatun sitting second from the right side in the group photo runs a garage with her husband. She wants to buy some equipment for this business, hence she has applied for a micro loan. She has seven members in her family including two sons and three daughters. Her sons are daily wage workers. Her monthly income is Rs 3500/-(USD77).
Musarat Ara sitting first from the right of the group photo. She has a small clothes shop in her house. She wants to expand her business and hence applied for micro loan. Her monthly income is Rs3500/-(USD77). She has seven members in her family including three daughters and two sons. Her sons helps her in this business.
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.