Headlines
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+”

THP Program

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.

News Update

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    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. 

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    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