BISWA: Fostering Inclusive Growth through Microfinance

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Case Details:

Case Code : LDEN077
Case Length : 26 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 published sources, 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 Contd...

Promoting an NBFC

In 2003, BISWA realized that its microfinance initiative had grown significantly. The number of SHGs had crossed the 1,000 mark and the organization's need for funds had increased. Being an NGO MFI, raising additional loans from formal financial institutions became a huge challenge...

An Integrated Approach

BISWA felt that just providing micro credit to the poor was not enough. Realizing that people often lacked market access and the capacity to utilize the money properly, it sought to bridge this gap by promoting micro entrepreneurship. Initially started for the SHGs that obtained credit from BISWA, it was soon made open to other groups in its operational area irrespective of whether they were members in SHGs promoted by BISWA or not...

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BISWA's integrated approach led to its scaling up significantly and increasing its microfinance penetration. Through microfinance and other interventions, BISWA was able to make a positive impact on the lives of poor people. Many of the people availing of its microfinance program experienced an improvement in their economic situation, with some of them being more successful then others...

Looking Ahead

Back in his office, Malick shifted his attention to the projections his team had prepared for BISWA's microfinance program. Malick said the organization was forging ahead in its objective of generating one million self-employment opportunities by 2012. By that time, it also aimed to ramp up its presence in nearly all the states in India...


Exhibit I: GoI Efforts to Promote Financial Inclusion and the Microfinance Sector
Exhibit II: Operational Features of Different Microfinance Models
Exhibit III: Classification of MFIs by Legal Structure
Exhibit IV: India's Top 10 Micro Finance Institutions
Exhibit V: Some Trends in the Microfinance Sector in India
Exhibit VI: BISWA's Vision, Mission, and Five Pillars
Exhibit VII(a): BISWA's Consolidated Balance Sheet as on March 2010
Exhibit VII(b): BISWA's Consolidated Income and Expenditure Account for the Year Ending March 31, 2010
Exhibit VII(c): Consolidated Receipt & Payment Account for the Year Ending March 31, 2010
Exhibit VIII: BISWA's Organizational Structure
Exhibit IX: Key Figures Related to BISWA's SHGs
Exhibit X: Analysis of BISWA's Loan Activity
Exhibit XI: Key Figures Related to BISWA's Micro Insurance Initiative
Exhibit XII(a): BISWA's Leverage Status as of March 2010 (Rs.)
Exhibit XII(b): BISWA's Aging Report as of March 2010
Exhibit XIII: BISWA's Projection of its Microfinance Activities

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