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Social Finance

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Published on Thursday, 08 September 2011 17:32
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Bharat Integrated Social Welfare Agency was established on 01.01.1994 and attained its legal entity on 15.07.1995 under Societies Registration Act XXI of 1860. The activities of the organisation are well defined by a written down legal Memorandum of Association. The governance is followed by ethically valued norms in accordance with laid down Rules and Regulations (Constitution). The activities are also backed by written down policies. This operational manual reflects the guidelines followed in its micro-finance activities. The contents of this manual are circulated among the persons who are connected with BISWA micro-Finance program.

Bharat Integrated Social Welfare Agency (BISWA) was established with a motive to empower the downtrodden, the marginalized and under-privileged section of the society who are left behind in the process of development initiated by various agencies/ departments. The target group primarily consists of the women, the children, the small and marginal farmers, the grass-root level entrepreneurs, the slum dwellers, the dejected and distressed. The thrust of BISWA being the socio-economic development of these persons the primary concern was to make finance available to them in a commercially viable but not exploitive in nature, so that they could optimally utilise the available resources with them both human and natural. BISWA would economically support any endeavour in their parts to lead a dignified life without any fear of financial deficiency or economic harassment. Micro finance activity is the physical manifestation of this philosophy of BISWA.