Self Help Group 1995

1
Bagnan -1 Mahila Bikas co-operative credit
society Ltd.
Self Help Group (1995)
DWCRA Group Samannaya Samity (1996)
Bagnan 1 Mahila Bikash Co-operative Credit
Society Ltd. (1997)
Bagnan Gramin Mahila Sammilon (2002)
CORE COMMITTEE (2003)
2
Bagnan -1 Mahila Bikas co-operative credit
society Ltd.
Institutional Arrangements
Literacy Center (1993)
Self Help Group (1995)
Samsad Samannaya Samity (2002)
Anchalik Samannaya Samity (2002)
(Cluster of the SHG at the booth level)
(Cluster of the SHG where SSS not possible for
less no of groups)
Kendriya Samannaya Samity (2002)
(Federation of the SHGs)
Bagnan-I Mahila Bikash Co-operative Credit
Society Ltd. (1997)
DWCRA Group Samannaya Samity (1996)
Bagnan Gramin Mahila Sammilon (2002)
(Non registered production Marketing
co-operative of SHGs)
(NGO of SHGs)
(Registered MFI of SHGs)
(Chairperson of the Kendriya Samannaya Samity
chairperson, Secretary, Chif staff of the three
organizations are the members of the Core
Committee)
Core Committee (2003)
3
COMPLIMENTARY ACTIVITIES
1. BAGNAN-I MAHILA BIKASH CO-OPERATIVE CREDIT
SOCIETY LTD.
? SAVINGS ? LOAN ? EMPLOYMENT OPPORTUNITIES ?
BUILDING ASSETS ? BUILDING FINANCIAL CAPACITY
3. DWCRA GROUP SAMANNAY SAMITY

• BAGNAN GRAMIN
• MAHILA SAMMILAN
• EDUCATION
• HEALTH ENVIRONMENT
• SOCIAL STRENGHTENING

• PRODUCTION
• MARKET SALE
• TRAINING (Vocational)
• CREATING JOB OPPORTUNITIES
• ASSET CREATION
• FINANCIAL CAPACITY BUILDING

4
BAGNAN-I MAHILA BIKASH CO-OPERATIVE CREDIT
SOCIETY LTD.
CONTENTS

• DATE OF SOCIETIES FORMATION MEETING ....
  21.04.97
• ATTENDANCE AT THE MEETING . 581 PERSONS
• SOCIETIES REGISTRATION DATE ....
  02-06-97
• NO. OF MEMBERS AT THE INITIAL STAGES 589
  PERSONS
• STARTING SHARE CAPITAL .... Rs.
  1,00,000/-
• COMMENCEMENT DATE OF SAVINGS DEPOSIT .
  16.09.97
• STARTING DATE OF LOAN DISBURSEMENT ....
  06.11.97
• COMMENCEMENT DATE OF RECURRING DEPOSIT .
  14.07.99
• COMMENCEMENT DATE OF FIXED DEPOSIT .....
  11.11.99
• COMMENCEMENT DATE OF DAILY SAVINGS
  ......AUGUST03
• COMMENCEMENT DATE OF M.I.S. ......
  01.07.2005

5
BAGNAN-I MAHILA BIKASH CO-OPERATIVE CREDIT
SOCIETY LTD.
ORGANISATION

• DESCRIPTION STATUS AS ON
• 31.12.2007
• VILLAGE 60
• VILLAGE PANCHAYAT 10
• NO OF MEMBERS 15,550
• NO. OF SHGs 760
• NUMBER OF CLUSTER
• SAMSAD SAMANNAYA SAMITY 41
• ANCHALIK SAMANNAYA SAMITY 10
• WORKER 16
• COMMISSION AGENT 35

6
Bagnan -1 Mahila Bikas co-operative credit
society Ltd.

Savings program

• Description Status on 31.12.2007
• Group Savings 41,75,540.00
• Savings Deposit 1,69,05,931.00
• Daily Savings 8,77,700.00
• M.I.S. 7,35,000.00
• Recurring Deposit 18,25,100.00
• Fixed Deposit 83,73,370.00
• Guarantee Fund 21,13,190.00
• Share Capital 69,91,230.00
• Total Savings - 4,19,97,391.00

7
Bagnan -1 Mahila Bikas co-operative credit
society Ltd.
Loan Disbursement Program

• Description Status on 31.12.07
• No. of Loanee Member(2006-07) 2,502
• Loan Amount (2006-07) 2,85,43,500.00
• No of Loanee Member (2007-08) 2,347
• Loan Amount (2007-08)
  2,41,66,500.00
• No. of Outstanding Loanee
• Members 4,822
• Outstanding Loan Amount
  3,75,86,393.00
• No. of Term Defaulter Member 51
• Loan Amount lying with 1,88,877.00
• Term Defaulter Member.

8
Bagnan -1 Mahila Bikas co-operative credit
society Ltd.
Internal Fund Management
Year Savings Loan Loan Last
Balance Recovery Disbursement 1997-98 Rs
. 1,90,308 Rs. 69,000 Rs.
1,21,308 1998-99 Rs. 4,37,915 Rs. 3,46,200
Rs. 2,13,023 1999-2000 Rs. 5,29,461 Rs.
6,23,600 Rs. 1,18,884 2000-01 Rs.
11,79,951 Rs. 10,37,800 Rs.
2,61,035 2001-02 Rs. 30,27,970 Rs. 28,31,800
Rs. 4,57,205 2002-03 Rs. 65,41,498 Rs.
63,97,600 Rs. 6,01,103 2003-04 Rs.
1,08,73,813 Rs. 1,06,35,000 Rs.
8,39,916 2004-05 Rs. 1,40,57,994 Rs. 1,39,14,200
Rs. 9,83,710 2005-06 Rs. 1,86,19,075 Rs.
1,79,71,800 Rs.16,30,985 2006-07 Rs.
2,85,36,519 Rs. 2,85,43,500 Rs. 16,24,004
9
Bagnan -1 Mahila Bikas co-operative credit
society Ltd.
Financial Self Sustainability
Description 2006-07 Income - Interest
from Loan 45,93,859.00 Interest from
Bank 1,43,856.00 Income from Other
Sources 2,09,216.00 Total Income
49,46,931.00 Expenditure - Interest on Savings
21,72,608.00 Operational Cost
17,61,446.00 Loan loss Provision
2,51,153.00 General Reserve
1,76,535.00 Total Expenditure
43,61,734.00 Percentage of Self Sustainability
113.42
10
Bagnan -1 Mahila Bikas co-operative credit
society Ltd.
Financial Self Sustainability
Description 31-12-2007 Income - Interest
from Loan 40,65,441.00 Interest from Bank
3,43,590.00 Income from Other Sources
38,451.00 Total Income 44,47,482.00 Expendit
ure - Interest on Savings
19,26,029.00 Operational Cost
13,21,771.00 Loan loss Provision
1,79,952.00 General Reserve
1,24,906.00 Total Expenditure
35,52,658.00 Percentage of Self Sustainability
125.19
11
DWCRA GROUP SAMANNAY SAMITY
PROGRAM
TARGATE OF 2007-2008
STATUS ON 2006-2007
STATUS ON 31.12.2007

• DESCRIPTION
• 1. INCOME GENERATING 7089
  8950 8776
• GROUP MEMBERS
• INCOME 1,74,13,269 37500000
  3,52,45,970
• 3. SALES 15,08,459 2500000
  17,34,689
• 4. DIVIDEND 12
  12 -----
• 5. TRAINED PERSONAL 122
  707 79
• NO. OF STAFF 26
  27
• UNDISTRIBUTED PROFIT 15,90,629
  ------
• NO OF BRANCH ---
  10 ------

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BAGNAN GRAMIN MAHILA SAMMILAN
ACTIVITIES
EDUCATION - A) LITERACY B) MASS EDUCATION
PROGRAM C) OPEN SCHOOL D) SISHUNIKETAN
(CRESH) HEALTH ENVIRONMENT - A) BUILDING OF
LATRINES B) BUILDING OF ADVANCED COOKING
STOVE C) FAMILY WELFARE PROGRAME D)
AFFORESTATION E) BLOOD DONATION CAMP F) PULSE
POLIO IMMUNISATION G) TUBERCULOSIS
ERADICATION SOCIAL EMPOWERMENT - A) SUPPORT
FOR SOCIELLY VICTIMISED WOMEN B) PARTICIPATION
IN GRAM SAMSAD C) INSURANCE D) AWARENESS CAMP