Sahakar Sewa Sansthan is an Indian Public Limited Company u/s 25 (non-profit) under Companies Act, formed with joint efforts of 'Sahakar Bharti' and 'Sewa Bharti'. Sahakar Sewa Sansthan will implement 'Kalpataru' micro-credit scheme which is JLESG - Joint Liability Earnings and Savings Group - the modified mix of SHG Self Help Group and JLG Joint Liability Group versions of micro-credit. This presentation is for financers / banks / credit cooperative societies to understand how Kalpataru micro-credit model is best business proposition while serving the nation.

1. Micro-Credit as Business Model

2. Micro-Credit as Business Model

3. Micro-Credit as Business Model
If finance is your
business,
Kalpataru is the
right business model

4. Micro-Credit as Business Model
Recovery is the
prime concern

5. Micro-Credit as Business Model
How about loans
with
“Next to Nil NPA”?

6. Micro-Credit as Business Model
No need for
security !

7. Micro-Credit as Business Model
No Guarantors !

8. Micro-Credit as Business Model
No documents !

9. Micro-Credit as Business Model
No big marketing
to get customers !

10. Micro-Credit as Business Model
No need of your
staff to get business
or recovery !

11. Micro-Credit as Business Model
Getting
sizeable deposits
besides
Principal+interest !

12. Micro-Credit as Business Model
Effective
interest rate
20 %

13. Micro-Credit as Business Model
Honest
&
Sincere
customers

14. Micro-Credit as Business Model
All benefits in
ONE
business model

15. Micro-Credit as Business Model
We are NOT
day-dreaming

16. Micro-Credit as Business Model
Is successfully operational
at
Rajkot Nagarik Sahakari
Bank since last 3 years

17. Micro-Credit as Business Model
Contains
ALL
benefits

18. Micro-Credit as Business Model
For immediate
action,

19. Micro-Credit as Business Model
Get all forms,
procedures and
policies from us –
for FREE

20. Micro-Credit as Business Model
People will still say
you are doing great
public service

21. Micro-Credit as Business Model
They are right
because helping the
poor is public
service

22. Micro-Credit as Business Model
As a result, we all
get very happy 
society to live in

23. Micro-Credit as Business Model
Contact:
SahakarSewa@ gmail.com
Rajubhai Gajjar
(0281) 2233916 / 17/ 18