1. An Organization for Poverty Alleviation and Women Empowerment

2. Prepared by: date / Slide 2 BJS at a glance 2009 Q1 '09 Urban 22% 1200 1600 2000 2400 2800 3200 3600 200620072008QI 2009 6 8 10 12 14 16 18 active borrowers loans outstanding Rupees million Active borrowers 88% Rural

3. Prepared by: date / Slide 3 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 Our mission Vision: Mission: Objectives:

4. Prepared by: date / Slide 4 Values we treasure

5. Prepared by: date / Slide 5 Groups Members Borrowers Disbursements BJS Executive Committee Chief Executive Officer Regional Manager 5–8 Branches each Accounts and Fund Mgmt. Operational Manager Advisory Committee HR and Admin. Branch Manager 4– 5 Program Officers each (2,200 members) MIS and Controlling Program Officers 450–500 members each Branch Services Peon-cum-cook BJS organization and delivery model

6. Prepared by: date / Slide 6 Our programs 1.Small loans – our core program  Target clients: a. Land-less and asset-less women < Rs. 3000 of monthly income < 50 decimals of land (1 acre = 100 decimal) b. Workers in the un-recognized sectors  Training: a. Development of banking habits b. Skills improvement c. Roles / duties of group members and group leaders d. Basic accounting 2.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)

7. Prepared by: date / Slide 7  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 Group formation

8. Prepared by: date / Slide 8 Small loans – our core program

9. Prepared by: date / Slide 9 BJS in West Bengal, India Six Branches 1.Falakata 2.Dhupguri 3.Laxmipur 4.Badurea 5.Taki 6.Bashirhat +Kolkata (HQ) 0 100 200 300 400 200620072008QI 2009 0 10 20 30 40 Net surplusHeadcount Rs. 000

10. Prepared by: date / Slide 10 Microenterprise sectors Small business 41% Small cottage 10% Small trading 32% Animal husbandry 3% Agriculture 4% Small transportation 7% Services 3% 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 BJS in figures

11. Prepared by: date / Slide 11 Technical partnersFunding partners BJS partners

12. Prepared by: date / Slide 12 BJS Advisory Committee BJS Executive Committee PresidentMr. Gourango Roy Vice-presidentMr. Satyabrata Chakraborty SecretaryMr. Bishwajit Das TreasurerMs. Monika Roy MembersMs. Soma Chakraborty Mr. Sumit Banerjee Mr. Arup Sarkar MembersDr. Manab Sen, Social Worker, India Mr. Shib Naryan Kairy Finance Director, BRAC, Bangladesh Mr. Biplab Das Director, Credit Suisse, Switzerland Our team

13. Prepared by: date / Slide 13 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 About BJS BJS started functioning since May 2006 in a small village called Sangrampur, Basirhat in North 24 Parganas District, West Bengal

14. Prepared by: date / Slide 14 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