an organization for poverty alleviation and women empowerment
TRANSCRIPT
Janakalyan SamityJanakalyan Samity
An Organization for Poverty Alleviation and Women Empowerment
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BJS at a glance
2009
Q1 '09
Urban22%
1200
1600
2000
2400
2800
3200
3600
2006 2007 2008 QI 20096
8
10
12
14
16
18
activeborrowers
loansoutstanding
Rupeesmillion
Active borrowers
88%Rural
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Build a happy and prosperous society through the overall development of people, especially women and children, with their active participation and strength
Ensure economic development of underprivileged women through microfinance services, including credit, education and health
• Empower women, socially and financially, through community participation
• Promote gender sensitivity and eliminate discrimination based on gender
Our mission
Vision:
Mission:
Objectives:
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Values we treasure
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Groups
Members
Borrowers
Disbursements
BJS Executive Committee
Chief Executive Officer
Regional Manager5–8 Branches each
Accounts andFund Mgmt.
OperationalManager
Advisory Committee
HR andAdmin.
Branch Manager4– 5 Program Officers each
(2,200 members)
MIS andControlling
Program Officers450–500 members each
Branch ServicesPeon-cum-cook
BJS organization and delivery model
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Our programs
1. Small loans – our core program Target clients:
a. Land-less and asset-less women • < Rs. 3000 of monthly income• < 50 decimals of land (1 acre = 100 decimal)
b. Workers in the un-recognized sectors Training:
a. Development of banking habitsb. Skills improvementc. Roles / duties of group members and group leadersd. Basic accounting
2. Reaching out – our special program for the hard-core poor Being implemented as a distinct and separate program within
the auspices of BJS (autumn 2009)
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The group members are poor women
The members have similar socio-economic status, irrespective of religious beliefs
They live nearby, usually within walking distance from each other
Group formation
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Initial loan: Rs. 5,000 maximum Subsequent loans: increased by Rs. 1,000 to Rs. 3,000
Interest 12% service charge (flat) + 3% training fee (flat)
Tenure One year -- repayment in 46 equal installmentsfor a Rs. 5,000 loan, the repayment (incl. interest) is Rs. 125 each week for46 weeks (the six weeks grace allows for festivities, illness, etc.)
Collateral free Exclusively for women -- usually for income generation
Conditions Must fulfill criteria for membership in a group Must subscribe to BJS's vision and conditions Regular attendance in weekly meetings Skilled in managing small enterprises Initial loan: 6 weeks to qualify Subsequent: 1-2 weeks, after full repayment of previous loan
Waitingperiod
Loan charactericts
Loanamount
Small loans – our core program
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BJS in West Bengal, India
Six Branches1. Falakata2. Dhupguri3. Laxmipur4. Badurea5. Taki6. Bashirhat+ Kolkata (HQ)
0
100
200
300
400
2006 2007 2008 QI 20090
10
20
30
40
Net surplus Headcount
Rs. 000
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Microenterprise sectors
Small business41%
Small cottage10%
Small trading32%
Animal husbandry3%
Agriculture4%
Small transportation7%
Services3%
villages 85
members 3,563
women 100%
borrowing clients 3,333
micro enterprises 100%
average loan size Rs. 4,060
on-time repayment 99.93%
program officers 15
loans/prog. officer 222
total outstanding Rs. 13.5m
portfolio at risk 0.23%
cum. disbursement Rs. 56.1m
BJS in figures
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Technical partnersFunding partners
BJS partners
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BJSAdvisoryCommittee
BJSExecutiveCommittee
President Mr. Gourango Roy
Vice-president Mr. Satyabrata Chakraborty
Secretary Mr. Bishwajit Das
Treasurer Ms. Monika Roy
Members Ms. Soma Chakraborty
Mr. Sumit Banerjee
Mr. Arup Sarkar
Members Dr. Manab Sen,Social Worker, India
Mr. Shib Naryan KairyFinance Director, BRAC,
Bangladesh
Mr. Biplab DasDirector, Credit Suisse,
Switzerland
Our team
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Belghoria Janakalyan Samity (BJS) is a non-government,non-profit-making organization registered under West Bengal Societies Registration Act XXXVI of 1961
BJS's head office is at BF-94, Sector–1,Salt Lake City (Bidhan Nagar),Kolkatta 700064,India
About BJS
BJS started functioning since May 2006 in a small village called Sangrampur, Basirhat in North 24 Parganas District, West Bengal
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Contacts
Mr. Bishwajit Das, Secretary
Belghoria Janakalyan Samity
BF-94, Sector–1,Salt Lake City (Bidhan Nagar),
Kolkatta 700064,India
Telephone: +91 33 4007 7635
Mobile: +91 98 3618 6815
E-mail: [email protected]