funding gap emerging markets


  • Milaap
  • Local partner investment
  • + 64 other investors
  • With a loan of EUR 28,000 women in North Bengal can buy more seeds and material to cultivate more crops.

    24 months
    6 months
    Maturity24 months
    Repayments6 months
      Fully funded in 6 days on 4 January 2017.
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      Invest from €50
      Average investment
      Based on all Lendahand historical investments
      Complete funding
      Project will be fully funded


      The quaint countryside of North Bengal is home to several agrarian communities. Being cut off from major cities and towns, agriculture is the way of life here. Katiahat and Bhaduria are two such districts- most of the families residing here are engaged in paddy cultivation, which gives them the highest revenue. Jute, banana and potato cultivation are also popular.

      The average monthly income of such families is less than $120 as a result of which the land they work on is usually on lease. Due to their hand-to-mouth situation, the families try to cut down on labour costs by ensuring that all family members work on the field. Children, after returning from school, help out their parents with farming. With such conditions, availing loans to better their prospects has been difficult. However, BJS has been supporting women and their families in this area by providing them with agricultural loans.

      Through this project, these agrarian communities of North Bengal will benefit socio-economically. The loan amount will not only help them purchase seeds, manure and other necessary tools for farming, but also reduce dependence on monsoon by helping them invest in other ways of irrigation. As the women of the households would be the recipients of funds, it will go a long way towards empowering them and helping them find their own financial footing.

      Local partner Milaap provides a loan to BJS for the fourth time and the loan must be repaid within 24 months. 

      Company nameBJS 4
      CEOBiswajit Das
      LocationWest Bengal
      SectorFinancial services


      Milaap is the largest crowdfunding platform in India, enabling stories of hope, courage, and change. They provide credit services to the poor and excluded to help them to work themselves out of poverty.

      Milaap partners with a range of credit-worthy field partners who hold a strong social mission. They grant loans for energy projects, water access, artisan supply chains, and more, mostly in rural areas. Many of their projects empower women entrepreneurs, mainly providing working capital to women with a weaving enterprise, small shops, or handicrafts.


      SDG’s impacted

      With this project you are contributing to the following Sustainable Development Goals:

      SDG 1. No poverty

      SDG 3. Good health and well-being

      SDG 5. Gender equality

      SDG 6. Clean water and sanitation

      SDG 8. Decent work and economic growth

      SDG 10. Reduced inequalities

      Read more about the impact you can make through our platform and the SDGs on our impact page.


      Related blog articles

      Many Milaap projects support female entrepreneurs in India. Learn more here on how female entrepreneurs are driving GDP growth worldwide.

      • With this investment 11 jobs are created
      • With this investment 44 lives are improved

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      We have already contributed for BJS 4

      Joop Singeling
      Gert Baas
      Peter Boot
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