Portfolio surpassed Rs.43 Crore || Twenty-seventh Branch of BJS at Saheberhat in Cooch behar district || Seventeen Financial Partners. || Nine Public Sector Banks as Financial Partners. || CoCA Grade “M4C2” || Rating Grade “MFI 3+”


Beghoria Janakalyan Samity (BJS) is a non-government, non-profitable organization registered under West Bengal Societies Registration Act in the year 2006 with an initial focus on socio-economic development of the downtrodden women. With time, BJS has adopted a holistic approach in order to tackle problems related to poverty and social issues at large, particularly in rural areas.

BJS is currently involved in implementing Integrated Community Development Projects for the socio-economic development of the poor people. Present projects are as follows.

  1. Microfinance for empowerment and job creation.
  2. Non-formal school program for brick kiln children.
  3. Skill development initiative for job creation.
  4. Improved health and hygiene via medical camps and awareness campaigns
  5. Environmental protection via sanitation, vermin-compost and awareness campaigns
  6. Knowledge development via financial literacy and awareness campaigns.

All of our activities are guided by the following principles:

  • Empowerment – BJS believes in empowering the individual in order to help herself, in taking decisions, and making changes.
  • Sustainability – The long-term social, economic, and environmental sustainability is the most important aspect when assessing new projects and when evaluating existing ones.
  • Strengthening of existing structures – BJS does not believe in building parallel structures, but rather in working in close cooperation with and strengthening systems and structures already set in place by government authorities and civil society.

BJS focuses specifically on that area where the need is the greatest for its services. Presently the activities of BJS is in North 24 Parganas, Jalpaiguri, Alipurduar, Coochbehar and Murshidabad districts. In every district, BJS has different branches. BJS likes to give more focus to North Bengal because that area is underserved. All activities are managed through its regional offices.

BJS was established as a microfinance institution in the year 2006 by Bishwajit Das, our current secretary and CEO. He has been in the sector for the last 20 years. Taking the matter in consideration the instrumental role of microfinance in poverty alleviation and its huge demand, the founder conceived the thought of promoting an entity reflect his vision and led to the birth of BJS. Some like-minded professionals come together to join in the concerted efforts towards poverty alleviation and women empowerment through microfinance.

BJS is currently involved in implementing an Integrated Community Development Project in which five interconnected and interdependent sectors are developed:

  1. Microfinance for empowerment and job creation
  2. Non-formal school program for brick kiln children
  3. Skill development initiative for job creation
  4. Improved health and hygiene via medical camps and awareness campaigns
  5. Environmental protection via sanitation, vermin-compost and awareness campaigns
  6. Knowledge development via financial literacy and awareness campaigns

The essential features for target clients of BJS are as follows:

    The women
  • Who are in the low-income group.
  • Who has no own capital.
  • Who has no access to banks.
  • Who are helpless and weak economically and socially.

BJS utilizes two different delivery methodologies for lending – Group model and Individual model to serve a wide variety of needs and backgrounds of our clients.

Group Model

  • The maximum number of member in a group is 20.
  • From similar socio-economic status.
  • Live in the same neighbourhood.

Individual Model

  • Clients should have at least three years as a group member and a good credit history.
  • Clients should have specific income-generating activities.

The clients of BJS are using their loans entirely for income-generating activities for getting more profit. They are meeting their family expenses especially educational expenses of their children from this profit. The lifestyle of the family has been changed. As an earning member of the family, they are now able to have an overt influence on the household decision-making process.

Women worker throughout the world contributes to the economic growth and sustainable livelihood of their families and communities. BJS helps to empower women from poor households to make this contribution. BJS services lead to women’s empowerment by influencing women’s decision-making power and enhancing their overall socio-economic status.

Traditionally women have been disadvantaged in access to credit and other financial services. Targeting women borrowers make sense from a policy standpoint. The business case for focusing on women clients is substantial, as women clients register higher repayment rates. They also contribute larger portions of their income to household consumption than their male counterpart. Studies show that net incomes generated by women are often first invested in children’s education, particularly benefiting girls.

News Update


    In the journey, BJS believes itself fortunate to have come across several stalwarts who have added values to inspire and uphold our organization. On 30th July 2019, one such revered person viz. Mr. S.S.Bhat, Managing Director of Ananya Finance for Inclusive Growth Pvt. Ltd. has visited BJS Head Office. A cordial and threadbare discussion was held between him and Mr Bishwajit Das, CEO of BJS. He has emphasized on Financial Inclusion did by the MFIs is certainly a big driver for bringing about social change if done ethically. He has expressed his high contentment the manner BJS is functioning. 


    Once again State Bank of India has reposed faith on BJS and we proudly announce that they have sanctioned a fresh Term loan to the tune of Rupees Ten Crore (10 Crore) to BJS on 30.07.2019. This will assist growth for BJS in order to achieve its Business Development Plan and also contribute in attaining the objective of inclusive finance. A huge thank to great management of SBI.

  • The 13th Annual General Meeting of Belghoria Janakalyan Samity was held on 13th July 2019, at BJS Head Office. All the seven Executive Committee Members were present in the meeting where, the President, Mr. Satyabrata Chakraborty, presided over the meeting. Mr. Bishwajit Das, Secretary had presented the Secretary’s report and Budget for the next financial year. All the members participated in the agenda-wise discussions for the future growth of the organization. At the end of the meeting, on behalf of all the members of the Executive Committee, the President gave sincere thanks to the Secretary for his dynamic leadership to run the team of BJS and also mentioned the contribution of all staff for the growth of the organization.

  • 13th Foundation Day of BJS observed on March 13, 2019

  • BJS Annual Retreat was held on 30th December, 2018 at Duttapukur ,North 24 parganas.

  • Dr. Ahmed Mustaque Raza Chowdhury, Vice Chairperson, BRAC visited BJS on April 26, 2018. Dr. Chowdhury met Shri Bishwajit Das, Chief Executive Officer, BJS and all other staffs of BJS at Head Office.

  • BJS arranged a grand program for Blanket Distribution among the needy women at Katiahat, Baduria, North 24 Parganas on 3rd February,2018. Shri Bishwajit Das, Chief Executive Officer, BJS welcomed all the women and also distributed blankets to the women. Shri Ashok Kumar Mohapatra, Chief Manager Indian Overseas Bank and Shri Shiv Ram Jha, Branch Manager were present in the occasion.

  • BJS received Highest Portfolio Award from AMFI-WB in the 3rd Eastern India Microfinance Summit 2018...

  • Annual picnic of BJS was held on 7th January 2018 at Badu,Madhaymgram

Our Achievements

As on 31stAugust 2019
No. of Branches : 27
No. of Districts : 6
No. of Blocks : 52
Total Staff Strength : 125
No. of Frontline Staff : 78
No. of Active Groups : 2,153
No. of Active Members : 28,839
No. of Active Borrowers : 23,504
Cummulative Loan Disbursed (in Lakhs) : 37,181.92
Loan Portfolio (in Lakhs) : 3,970.88
Average Loan Size on outstanding : 16,894
On time Repayment Rate : 99.96%
Amt. of Loans Outstanding per Credit Officer : 50.91

Where We Work