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With the objective of doing something for the well fare of the poor rural people specially helpless women and children, It was started with the initiative of some enthusiastic youths of the village lead by Sri Animesh Naiya.
Sri Naiya gathered some experience of the self help group /micro credit program from another NGO in the district of South 24 Pgs and he was convinced that microcredit program is an effective tool for helping the poor and helpless women in earning their livelihood by taking up an income generating activity. As money is main factors for the poor people to carry on their livelihood activities and the same was not available from bank/institutional source, the poor families had to go to the village money lenders without having any alternative.
The money lenders charged an exorbitant rate of interest (5% to 10 % per month) and also the money was refundable at a time, in most of the cases the poor families were ruined falling under the debt trap of money lenders. Being moved by the in human situation the group of young man under the leadership of Sri Animesh Naiya decided to setup a microfinance Institution to make available the small loans to the poor people carrying on their business activities. The women were considered to be right choice as a client of micro credit as they have better integrity cohesion and sincerity and they also require the opportunity to handle money in the family for their economic and social empowerment.
Dhosa Chandaneswar Bratyajan Samity (DCBS) was established in the year 2003 at a remote village Dhosa in Jaynagar -1 Block,in Sundarban area,Dist-South 24 Parganas,State -West Bengal.It was registered as Society under West Bengal Societies Registration Act ( XXV1) of 1961 in 2003.
Apart from funding microcredit we are also extending skill development training to the SHG members and helping them in starting their income generating units. Our sources of fund are nationalized bank like SBI, Other Bank, and RRB and NBFC finance companies. For reaching illumination to the inaccessible Sundarban area we had played pioneer roll in providing solar lamps through our SHG Networks .For protection of environment from smokes created by burning wood in kitchens of households we are trying to introduce smokeless cooking stoves in our operational area
Business at a Glance as on Mar'16
|Business commenced on||01.12.2003|| 01.12.2013
|Loan disbursement (cum)Cr||79||3|
|Loan portfolio (Cr)||8.23||0.26|
|Average Loan Size||7200||2000|