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BJS at a glance

Rupees million. 18. 3600. 16. 3200. 14. 2800. 12. 2400. 10. 2000. 8. 1600. 6. 1200. 2006. 2007. 2008. QI 2009. active borrowers. loans outstanding. BJS at a glance. Active borrowers. Urban. 22%. 2009. Rural. 88%. Q1 '09. Our mission. Vision: Mission: Objectives:.

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BJS at a glance

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  1. Rupeesmillion 18 3600 16 3200 14 2800 12 2400 10 2000 8 1600 6 1200 2006 2007 2008 QI 2009 activeborrowers loansoutstanding BJS at a glance Active borrowers Urban 22% 2009 Rural 88% Q1 '09

  2. Our mission Vision: Mission: Objectives: 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

  3. Values we treasure Concern for people, especially the poor Creativity and innovation Participation Transparency and integrity Team work Discipline Cost conciousness

  4. BJS organization and delivery model BJS Executive Committee Chief Executive Officer Advisory Committee MIS andControlling Accounts andFund Mgmt. OperationalManager HR andAdmin. Regional Manager 5–8 Branches each • Groups • Members • Borrowers • Disbursements Branch Manager 4– 5 Program Officers each(2,200 members) Program Officers 450–500 members each Branch Services Peon-cum-cook

  5. Our programs • Small loans – our core program • Target clients: • Land-less and asset-less women • < Rs. 3000 of monthly income • < 50 decimals of land (1 acre = 100 decimal) • Workers in the un-recognized sectors • Training: • Development of banking habits • Skills improvement • Roles / duties of group members and group leaders • Basic accounting • 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)

  6. Group formation • 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

  7. Small loans – our core program

  8. Rs. 000 400 40 300 30 200 20 100 10 0 0 2006 2007 2008 QI 2009 Net surplus Headcount BJS in West Bengal, India Six Branches • Falakata • Dhupguri • Laxmipur • Badurea • Taki • Bashirhat • Kolkata (HQ)

  9. Agriculture Animal 4% husbandry Small 3% transportation 7% Services 3% Small trading 32% Small business 41% Small cottage 10% BJS in figures 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 Microenterprise sectors

  10. BJS partners Funding partners Technical partners

  11. Our team 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 Kairy Finance Director, BRAC, Bangladesh Mr. Biplab Das Director, Credit Suisse, Switzerland BJSAdvisoryCommittee

  12. About BJS BJS started functioning since May 2006 in a small village called Sangrampur, Basirhat in North 24 Parganas District, West Bengal 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

  13. 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: janakalyans@yahoo.co.in

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