2. BJS
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Institution

Belghoria Janakalyan Samity BF - 94, Sector - 1, Saltlake CityKolkata, West Bengal700 064
Data approved: 2010-10-25
Data version: 1
Age of data: 177 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2006
Head of InstitutionBishwajit Das
Regions active
# Branches7

Total Portfolio (nat'l)INR 24,818,991
Total Portfolio (USD)USD 468,282.85
Active clients with loans6,040
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

Small Loan
6,040 Borrowers
USD 468,282.85 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Small Loan INR 1,000 - 25,000 12 80% - 100% 0% - 20% Business, Can ONLY be used for Working Capital Women, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Small Loan 29.7% 27.8% - 29.7% 36.6% - 39.2% 42
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Small Loan 12.5% annual, Flat 0 Fees 1 Ins None 10.0% upfront 27.8% - 29.7% 36.6% - 39.2% 32
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeBJSInstitutionIN-012-V01-P01ProductINCountry2010YearRange Number1Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,5001,10070030040Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution # Borrowers Portfolio (US$) Products Age of Data
Banco Solidario79,700221,716,0001176
CEPESIU2,000939,0004176
COAC 4 Octubre2,2005,771,0002176
COAC Ambato1,30016,415,0002176
COAC FondVida2,5004,200,0004176
COAC LaBenefica2,5008,482,0006176
COAC MCCH5,30010,020,0002176
COAC Nacional30,70027,129,0002176
COAC San José10,40029,133,0005176
COAC SanAntonio1,0002,384,0003176
COAC SantaAnita2,0002,532,0006176
Codesarrollo14,40040,328,0007176
Coop San Miguel1,8004,754,0005173
CooP VPR7001,052,0004176
Cooprogreso7,90032,244,0004176
Credi Fe100,900380,039,0004176
D^Miro36,90027,692,0009169
DECOF2,200705,0002176
Espoir62,10021,036,0005176
FODEMI28,20012,924,0003176
Fundacion Alternativa4,3005,545,0002176
FUNDAMIC2,0001,468,0002176
INSOTEC7,0006,047,0004176
Luz del Valle6,40011,300,0003176
ProCredit43,800211,941,0002176
PS Ambato5,6002,771,0001176
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Key Statistics
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# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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