an organization for poverty alleviation and women empowerment

Janakalyan SamityJanakalyan Samity

An Organization for Poverty Alleviation and Women Empowerment

Prepared by: date / Slide 2Janakalyan SamityJanakalyan Samity

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


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:


Values we treasure


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


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)


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


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


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


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


Technical partnersFunding partners

BJS partners


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


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


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]

an organization for poverty alleviation and women empowerment

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