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Bharat Integrated Social Welfare Agency

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Bharat Integrated Social Welfare Agency BISWA BHARAT INTEGRATED SOCIAL WELFARE AGENCY Acronym: BISWA Complete postal address: At: Danipali, P.O.: Budharaja District: Sambalpur-768004, State: Orissa, INDIA Telecommunication: +91-663-2533597/+91-663-3096538/+91-9437056453 +91-9861016663/+91-9339700631 Tele-fax: +91-663-2533597/+91-633-2520198 E-Mail: [email protected] [email protected] [email protected] Website: www.biswa.org Legal Status: 1. Registered under Societies Registration Act XXI of 1860, Government of India vide Registration number 22660-41 of 2005-06 dated 01.07.2005 (issued against old registration no. 4824-22 of 1996 dated 15.07.1995) 2. Registered under Foreign Contributions (Regulations) Act 1976, Government of India vide Registration number 105060053 dated 05.07.2000 3. Exempted under section 12 A and 80G of Indian Income Tax Act 4. Income Tax Permanent Account Number (PAN): AAATB 4843L 5. Registered under Orissa Sales Tax Act 6. Registered under Central Sales Tax Act 7. Registered under Disabilities Act of Department of Women and Child Development, Government of Orissa. 8. Licensed to export handicrafts 9. Registered under Indian Labour Act. 10. Certified under ISO 9000/2002 BISWA Outreach: We have been able to reach 9 states of India. The details are: Sl.NO NAME OF THE STATE Name of the districts 1. Anugul 9. Dhenkanal 17. Kendrapara 25 .Nuapada 2 .Balangir 10. Gajapati 18. Keonjhar 26. Puri 3. Balesore 11 .Ganjam 19. Khurda 27. Rayagada 1. ORISSA 4. Bargarh 12. Jagatsinghpur 20. Koraput 28 .Sambalpur 5. Baudh 13. Jajpur 21. Malkangiri 29. Sonepur 6. Bhadrak 14 .Jharsuguda 22. Mayurbhanj 30. Sundargarh 7. Cuttack 15. Kalahandi 23. Nabarangpur 8. Deogarh 16. Kandhamala 24. Nayagarh 1. Bastar 5 .Durg 9. Kawaedha 13. Raigarh 2. Bilaspur 6. Janjgir Champa 10. Korba 14 .Raipur 2. CHHATTISGARH 3. Dantewada 7. Jashipur 11. Koriya 15. Rajnadgaon 4. Dhantari 8. Kanker 12. Mahasamund 16. Sarguja 3. BIHAR 1. Gopalgunj 4. WEST BENGAL 1. 24 Parganas 2 .Midnapore 3. Kuchbehar 5 JHARKHAND 1. Bokaro 6. UTTARANCHAL 1. Lalkuan 7. UTTAR PRADESH 1. Agra 2. Lucknow 3. Varanasi 8. MADHYA PRADESH 1. Moorena 9. NAGALAND 1. Kohima 2. Dimapur 3. Mokokchung 4. Tuensang BISWA Operational areas of BISWA are indicted in filled colors. FOUR SEGMENTS OF BISWA BISWA SOCIAL MICRO MICRO MICRO DEVELOPMENT ENTERPRISE FINANCE INSURANCE Vision Statement Just and equitable society with greater emphasis on spirituality, compassion and peace on earth Mission Statement To make a real lasting social, financial, psychological and Spiritual impact on individuals help build strong cohesive Communities and generate substantial employment opportunities by increasing availability of a wider range of services. BISWA micro-Finance micro-Finance Vision To increase the availability of wider range of financial services for poor people and their use of those services through the process of expansion as well as consolidation of the micro- finance programme and creation/facilitation of a sustainable community-based micro-Finance institution within the year 2010 . Micro-Finance Mission Create a fair and level playing field for every micro-entrepreneur so that they do not need to be permanent dependent just because they do not qualify for the mainstream finance. Revive the root of banking, so that credit is once again based on trust and relationship and a person’s wealth or poverty has no bearing on his/her creditworthiness. Make a real and lasting psychological, social & financial impact on individuals; help build strong, cohesive communities; and generate substantial job opportunities and economic benefit for society as a whole. Make available financial services at lowest possible cost at the door step of the customers. Micro-Finance objectives To bridge the gap between demand and supply. To provide collateral free loan to the poor. To bring changes in public policies and practices in favor of the poor and deprives, particularly in the areas economic, fiscal and social administration. To encourage & collaborate with people and institutions with objectives similar to those of BISWA mFI Strategy adopted Encourage Savings for Capital growth Encourage Micro-enterprise for credit deepening Credit to pursue income generation activities Women focused Federation Building BISWA Collateral free loans Provision of Social security system (Insurance) Flexible repayment periodicity micro-Finance Products At present BISWA has two products Credit & Savings. Credit Delivery Channels: 1. Self Help Groups (SHGs) 2. Self Help Federations (SHFs) 3. Other Self Help Promoting Institutes (SHPIs) 1. Self Help Groups: The SHG is formed and promoted by BISWA taking 10-20 homogenous (e.g. Male/ Female, Artisans, Farmers etc.) individuals living in a compact geographical area (villages/ wards). The SHGs are encouraged to practice thrift and compulsory savings and are savings-linked (depositing saved amount in their respective bank accounts operated jointly by the President and the secretary of the SHG) to nearest bank. After a certain period of nourishment (3-4 months) the SHGs are encouraged to enter into internal credit practices. After six months the groups are graded according to a pre=defined criteria and the groups obtaining A or B grade are considered to be eligible for external credit linkage. The C graded groups are further nourished until attaining A Grade status. During this capacity building phase of 6 months, the groups are imparted training on group dynamics, book/record keeping, leadership development etc. by in- house professional trainers. The demand for a credit is generated among the eligible groups. The groups are educated on eligible criteria, terms of loan, rate of interest, repayment schedule and other aspects of the credit linkage by the respective community organizers. 1. Rate of Interest : 20% per annum on reducing balance for the SHGs 2. Average term : 9 months 3. Collateral : Nil 4. Processing Fees : 2.5% of total value of loan 5. Transition cost : Nil 6. Average waiting period : 21 days BISWA The loan are granted by a Loan Committee basing on the amount of saving (amount accumulated out of compulsory savings) available at the bank/in hand. Internal credit is discouraged by the time as a SHG is considered eligible for an external credit. 7. Rescheduling of loans is not practiced. 8. Though it is a single product, it covers up a wide range of services: agriculture, skill development/ diversification of livelihood options, animal husbandry, consumption, exigency expenses etc. 2. Self Help Federations: Self Help Federations are conglomerations of 11-50 SHGs in a compact geographic area. The federations are client owned client managed and community based legal entities registered under Indian Trusts Act as Mutual Benefit Trusts (MBTs). These entities act as socio-economic intermediary bodies. These Federations avail credit from BISWA at a lower rate of interest and on lend to the federated SHGs at rates of interest at par with those of non federated SHGs, all variables remaining constant. 3. Other Self Help Promoting Institutes: BISWA extends credit in wholesale to other Self Help Prompting Institutes as well (NGOs/ Self Help Cooperatives etc.) on the same module as those of the Federations. Savings: 1. Compulsory saving : An amount of saving each member has to deposit at a given interval (a week /a month) as decided by the respective groups in their meetings. This amount may vary from Rs 10/-per member per week to Rs 100/- per member per month (considering average savings per member per week /month) . 2. The savings are deposited in their respective bank accounts and are not utilized by BISWA. 3. In case of deposit of the amount as Margin Money, the money is not further extended as a part of their loan amount. The margin money earns the group a rate of interest of 6 % per annum. Financial Overview (as on 30.09.2007) Return on Performing Assets 12% Financial Cost Ratio 03% Loan Loss Provision Ratio 01% Operating Cost Ratio 04% Yield on Portfolio 11% Operating Grant Ratio 19% Operating Self-Sufficiency 127% Cost per Unit Money Lent 0.02 Paisa BISWA Cost per Loan made Rs. 1,096 Average no of loan per Credit Officer 77 Average Portfolio per Credit Officer Rs. 53,62,703 Portfolio in Arrear 0.08% Portfolio at Risk 0.2% Reserve Ratio 0.4% Operational Overview (as on 30.09.2007) No of districts covered 61(in nine states) Total number of Self Help Groups 23,952 Total members: 384,803 Total Federations formed 210 Total saving mobilized 163.55 million INR Number of loans disbursed 21,753 Amount of loans disbursed 1,868.54 million INR Average loan size 85,898 INR Total outstanding 897.28 million INR Rate of repayment (cumulative) 98% Operational Self Sufficiency 127% Portfolio at Risk 2% Sector wise distribution (%): Agriculture: 62 Small Business: 27 Consumption: 11 Total NGOs supported: 83 Key initiatives & accomplishments of BISWA as an mFI: Income generating activities of the SHGs made sustainable. A platform created for federating of SHGs into Mutual Benefit Trusts. A seek unit of District Administration rejuvenated. Encouraging SHGs to enter into production/ processing activities. Employment opportunities created through the unit. SHGs exposed to marketing and products of other SHGs. Expanded customer base for the products. SHGs protected from malpractice in business activities. BISWA Freeing the groups from clutches of money-lenders. Saving the groups from meeting additional expenses of marketing. Encouraging the SHGs to take up innovative/ experimental projects. Convergence of micro-enterprise into micro-finance Inclusion of special livelihood groups into mF and mE activities Attaining Nodal Status in Chhattisgarh for Rashtriya Mahila Kosh Promotion of Mutual Benefit Trust (Federations of SHGs) as legal entities and client owned client managed community based institutions. Promotion of Non-Banking Financial Company at the apex level to meet the financial needs of the federations/ SHGs and other NGO-mFIs. Ratings: 1. By M-CRIL as ß 2.
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