663 - Women’s savings and loan club, North-Eastern province, Thailand.

7571 - Beneficiary of micro-credit savings club holding money which she has taken on loan near Bembereke, Benin.

km05175 - Micro credit recipient, bought a small shop, from loan taken by Cherock (35), Cambodia.

km05174 - Micro credit recipient, bought a small shop, from loan taken by Cherock (35), Cambodia.

km05173 - Micro credit recipient: shop, from loan taken by Deung Sa Mi (31) mother of 3, Cambodia.

N06in057 - Ms Sunita Devi, age 22 , her husband is 25, laborer. Ms Sabitri (step-mother), age 35, and infant boy, (7 months) Chaviraj. Her husband is a laborer. Sunita and Sabitri work together buying fruit and vegetables from the market and reselling them in the village. They borrowed 500Rs to start this business, and paid back the loan in two months. ’I am now able to meet my regular expenditures. Before, I had to borrow money to pay for some living costs. I now have my own small private savings, and I can afford to pay the monthly SHG contribution.’ Members of Women’s Self Help and Microcredit Savings Group, Raunakhurd Village, Varanasi District, Uttar Pradesh, India.

N06in058 - Ms Sunita Devi, age 22, her husband is a 25 year old laborer. Ms Sabitri (step-mother), age 35, and infant boy (7 months) Chaviraj. Her husband is a laborer. Sunita and Sabitri work together buying fruit and vegetables from the market and reselling them in the village. They borrowed 500Rs to start this business, and paid back the loan in two months. ’I am now able to meet my regular expenditures. Before, I had to borrow money to pay for some living costs. I now have my own small private savings, and I can afford to pay the monthly SHG contribution.’ Members of Women’s Self Help and Microcredit Savings Group, Raunakhurd Village, Varanasi District, Uttar Pradesh, India.

N06in059 - Ms Sunita Devi, age 22 Husband is 25, laborer Ms Sabitri (step-mother), age 35, and infant boy (7 months) Chaviraj. Her husband is a laborer. Sunita and Sabitri work together buying fruit and vegetables from the market and reselling them in the village. They borrowed 500Rs to start this business, and paid back the loan in two months. ’I am now able to meet my regular expenditures. Before, I had to borrow money to pay for some living costs. I now have my own small private savings, and I can afford to pay the monthly SHG contribution.’ Members of Women’s Self Help and Microcredit Savings Group, Raunakhurd Village, Varanasi District, Uttar Pradesh, India.

N06in121 - Ms Manara Pheku, age 60, incense maker Her husband is age 70 and retired. She has three girls and one boy. One girl is married. Her son lives with her, and is employed in a fan making factory. She took a loan of 200Rs for health care expenses. Member of Saiyad Women’s Self Help Group, Soypur Village, Varanasi District, Uttar Pradesh, India.

N06in120 - Ms Manara Pheku, age 60, incense maker Her husband is age 70 and retired. She has three girls and one boy. One girl is married. Her son lives with her, and is employed in a fan making factory. She took a loan of 200Rs for health care expenses. Member of Saiyad Women’s Self Help Group, Soypur Village, Varanasi District, Uttar Pradesh, India.

km05172 - Micro credit project: shop, from loan taken by Deung Sa Mi (31) mother of 3, Cambodia.

N06in117 - Ms Radha Srinath holding savings book and monthly contribution, age 45, incense maker Her husband is 55 and works as a mason. She has three girls and two boys, all of whom are married. She took a loan of 500Rs for health care for her brother. Member of Saiyad Women’s Self Help Group, Soypur Village, Varanasi District, Uttar Pradesh, India.

N06in116 - Ms Radha Srinath, age 45, incense maker Her husband is 55 and works as a mason. She has three girls and two boys, all of whom are married. She took a loan of 500Rs for health care for her brother. Member of Saiyad Women’s Self Help Group, Soypur Village, Varanasi District, Uttar Pradesh, India.

N06in118 - Ms Radha Srinath, age 45, incense maker Her husband is 55 and works as a mason. She has three girls and two boys, all of whom are married. She took a loan of 500Rs for health care for her brother. Member of Saiyad Women’s Self Help Group, Soypur Village, Varanasi District, Uttar Pradesh, India.

N06in111 - Ms Manu Suresh, age 25, does beading and incense making for employment. Her husband is a sari maker using a machine loom, age 28. She has two boys and one girl. She took a loan of 300Rs for health care costs for her child. Member of Saiyad Women’s Self Help Group, Soypur Village, Varanasi District, Uttar Pradesh, India.

N06in112 - Ms Manu Suresh, age 25, does beading and incense making for employment. Her husband is a sari maker using a machine loom, age 28. She has two boys and one girl. She took a loan of 300Rs for health care costs for her child. Member of Saiyad Women’s Self Help Group, Soypur Village, Varanasi District, Uttar Pradesh, India.

N06in110 - Ms Manu Suresh, age 25, does beading and incense making for employment. Her husband is a sari maker using a machine loom, age 28. She has two boys and one girl. She took a loan of 300Rs for health care costs for her child. Member of Saiyad Women’s Self Help Group, Soypur Village, Varanasi District, Uttar Pradesh, India.

7575 - Beneficiaries of micro-credit savings club near Bembereke, Benin.

3395 - Farmer feeding pigs, small loans scheme, Quynh Luu district, Vietnam.

7576 - Beneficiaries of micro-credit savings club giving finger-print after transactionnear Bembereke, Benin.

5362 - Women with their babies at a village savings club meeting, Tamil Nadu, India.

7572 - Beneficiaries of micro-credit savings club dancing near Bembereke, Benin.

km05164 - Woman holding savings book at a savings club and micro credit group holding a meeting, Kampong Thom, Cambodia.

km05161 - Savings club and micro credit group holding a meeting, Kampong Thom, Cambodia.

km05170 - Savings club and micro credit group holding a meeting, Kampong Thom, Cambodia.

km05167 - Local NGO leader talking to villagers about micro credit. Kampong Thom, Cambodia.

5350 - Women’s savings club/credit union, Kottayam, Kerala, India.