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+”

Networking Partners


BRAC is the largest non-governmental development organization in the world, measured by the number of employees and the number of people it has helped. Starting its journey in 1972 in the newly sovereign Bangladesh, BRAC has covered many other countries with a workforce of 115,000 people and the population covered with its service is 138 Million. Over the course of their evolution, they have been playing the role of recognizing and tackling the many different realities of poverty. BJS got BRAC as its networking partner since the commencement of BJS operation in 2006. BJS is very much proud of having BRAC as its networking partner.


ACCESS Development Services became a networking partner of BJS since 2009. BJS participates in different programs of ACCESS actively and gets technical supports that helped BJS to implement sustainable projects for the livelihood promotion of the poor to combat poverty. ACCESS Development Services is a national level livelihoods promotion organization with a focus on incubating innovations and sustainable models for the livelihoods promotion of the poor. In addition, ACCESS also undertakes national initiatives to inform and influence policy and strengthen the enabling environment. BJS is very happy to have Access as its networking partner.


BJS is the active member of AMFI-WB from the beginning. AMFIWB stands for Association of Micro Finance Institutions – West Bengal. Association of Microfinance Institutions - West Bengal (AMFI - WB) is an institution which serves the cause of promotion and development of microfinance in the State with a membership of 28 Micro Finance Institutions. AMFI – WB is currently catering to around 40 lakh poor women by providing them financial services, especially micro-credit through approximately 13,000 employees who hail from lower economic background, AMFI–WB upholds the cause of microfinance through organizing Interactive Sessions, Seminars, and Workshops for the employees of MFIs to ensure client protection, for the stakeholders including bankers, politicians and even for borrowers in order to have effective and smooth functioning of microfinance activities with enough fund flow and so on. BJS is a member of the Board of Trustee during this reporting period and selected by the members of AMFI-WB. BJS participated in most of the important meeting of AMFI-WB and shared its critical views of the development of the association of Micro Finance.


Mix Market is an organization working for strengthening the Microfinance Sector with an objective to accumulate Data of the sector and analyze the same for the use of the other members playing in the sector. Financial & Social Performance Data from 2000 + MFIs worldwide are submitted to Mix Market. The data is validated and synchronized by Mix. All the member organizations have instant access to Current Data, Analytical Tools & Market Intelligence for their use. BJS is an active member of Mix Market for more than two years.


Microfinance has been acknowledged as an effective tool for rural upliftment and development the world over. Several MFI (Microfinance Institution) models, primarily promoted by Non-Government Organisations (NGOs), have been working independently for a long time in India too. Yet, there has been a long-felt need to form a specialized network of Community Development Finance Institutions (CDFIs) that could take forward the collective requirements of these organizations: dialoguing with policymakers, capacity building, and identification and development of minimum standards of performance in a participatory manner, so that the challenge of professionally creating a large number of sustainable livelihoods is made possible. Sa-Dhan was designed and developed as such a platform. Sa-Dhan’s mission is to build the field of community development finance in India to help its member and associate institutions to better serve low-income households, particularly women, in both rural and urban India, in their quest for establishing stable livelihoods and improving quality of life. BJS became an active member of Sa-Dhan since 2008.


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