In congregation, at home or in gatherings, I usually go ahead and pray by myself when the other women get late. What is more virtuous: Praying Jamaa at the earliest time or in congregation?
The Scholars have different opinion regarding if Jamaa for women is just allowed or it is better and more virtuous than praying alone.
My advice to you is to do what is better for your heart, because sometimes you might not be able to be in Khushou while in Jamaa, and if the ladies praying with you are not wearing proper praying garments this affects the prayer of Imam.
But if you can concentrate well in Jamaa and you wait for about half an hour till they are ready, then you can pray in jamaah.