BISWA: Fostering Inclusive Growth through Microfinance (Abridged)

            
 
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Case Details:

Case Code : BSTR392
Case Length : 19 Pages
Period : 2004-2010
Pub Date : 2011
Teaching Note :Available
Organization : BISWA
Industry : Microfinance
Countries : India

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This case study was compiled from field research, and is intended to be used as a basis for class discussion. It is not intended to illustrate either effective or ineffective handling of a management situation. Nor is it a primary information source.

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Excerpts

About BISWA

BISWA was an NGO founded by Malick, a professional banker, with some like-minded people in 1994. Born in 1956, Malick had a good background in economics, law, business administration, finance, and banking. Headquartered in Danipali (Sambalpur), BISWA was a relatively large social service organization in India and an MFI. After having initially concentrated on Odisha, BISWA had fast developed a pan India presence. It had adopted an approach to social development that was integrated with microfinance, micro-enterprise, micro-insurance, and micro-marketing...

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BISWA's Microfinance Activities

In 1994, BISWA started extending micro-credit to needy people using the individual lending model. But in 1996, it decided to adopt the SHG model. This was also the time that BISWA started making a shift from a donor-dependent model to earned income strategies. In its early days, BISWA's SHGs received credit facilities by directly being linked to banks. Or BISWA would avail of small loans from commercial banks or regional rural banks to extend credit to the SHGs. It received loans from SBI to the tune of Rs.10,000 per borrower...

Formation of SHGs, Loan and Repayment

The SHGs, the backbone of BISWA's microfinance program, were primarily comprised of women and had 16 to 20 members each. These groups were formed after BISWA's field staff identified the village and the locality, and conducted a baseline survey of the socio-economic indicators. The field staff then organized a meeting of eligible people and made them aware of the concept of SHG...

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