The marginalized people have multi-dimensional difficulties of-food insecurity, poor health, social stigma, limited skill and no assets and obviously, all this is due to economic instability. “Targeting the Hardcore Poor (THP)” - is a comprehensive, long term and sustainable program designed to bring the truly marginalised people under the ambit of financial inclusion.
BJS had ventured into its first credit plus programme THP targeting 100 beneficiaries in the year 2015, through an external fund and technical support. Seeing the impact created, BJS self-funded the second phase and in December 2018, 50 more beneficiaries were successfully graduated out of their marginalized state.
Through this program, BJS impacted the lives of the beneficiaries in terms of increased asset, diversified source of Income, savings habit, food security, financial inclusion, better health awareness, increased social capital and productive skills. Above all the self-esteem of this deprived and dejected class was highly boosted.