Janakalyan Co-operative Credit Society Ltd.
[ An Urban Credit Co-operative Society (UCC) ]
"Add small to make large"
CODE OF CONDUCT FOR ADVISOR
CODE OF CONDUCT FOR ADVISOR
Eligibility of Investment Advisor is subject to condition of an individual
"I am highly dedicated to the cause of co-operative movement in our society, and it is extremely gratifying to know that "Janakalyan Cooperative Credit Society Ltd", "Janakalyan Cooperative Credit Society Ltd", has succeeded in meeting the basic needs of the borrower members of the society while also providing investors with a reasonable rate of interest and a leveraged social impact. That's pretty exciting!"
SOME ACTIVIST -
"In my association with "Janakalyan Cooperative Credit Society Ltd", I have a strong opinion that it is having a real high social impact. I could always look up to the fine future of "Janakalyan Cooperative Credit Society Ltd", which has never let me down in any way. The Impact and the financial discipline are highly appreciable. Indeed I am proud of my decision to invest with "Janakalyan Cooperative Credit Society Ltd"
SOME PROFESSIONAL -
( better if known in society )
Today I visited at Cooch Behar Sadar Branch of JCCSL or some investment plan. Although I was not sure of what I needed, their staff guided me through the process very patiently for 1/2 an hour.
They rang me later in the afternoon to confirm what we agreed upon was done. I found them extremely helpful and knowledgeable and the level of service I received from them confirms as to why I prefer this Credit Society to any other Society/Bank I have had experiences with.
I have just completed the purchase of a property with the valued help of JCC Loans and Advances Department. From previous experiences I had with other financial institutions, arranging finance were very stressful and frustrating.
While the purchase of this property had some testing times, the last thing I had to worry about, which is probably the most important, was finance. The time of my offer from the Real Estate Agent to settlement was approximately three weeks.
I am particularly impressed that even in this short time frame a significant financial transaction can be completed with so little fuss. The service I received from JCC Loans Dept. has been first class. I have been a shareholder/member of JCCSL from the last 3 yrs, and within that time I have also held bank accounts with 2 national banks. I have cancelled my accounts with these banks over the years because of the lack of transparency in services. During my membership with JCCSL, I have always found the staff helpful and friendly to deal with.
I would like to thank the staff and management of JCCSL for the extraordinary services and friendliness they have given me over the years and hopefully for many more years to come.
SOME BORROWERS SPEAK -
Rekha Das, 26 Years
Services Industry/ Fuchka/Panipuri Vending, Takagachh, Cooch Behar Sadar Town, Cooch Behar. Dated 15.10.2017
With humble bearings, Rekha and her husband Parimal has no income source. 3 year ago, she connected with JCCSL and procured her first time loan of 3000 INR. Then they are sold some item for Fuchka Business and they started the business. They earn small since then. Then she sold a push van with her second time loan of 10,000 INR from JCCSL and sells Fuchka and others Fast Food, making a profit of more than 9,000 INR every month. Today, the husband wife duo have a TV and others recreational goods at home to drive away as a middle class family, and can afford tuitions for their 1 children in school. Rekha procured her third time loan of 20,000 INR from the society. Now they are repairing their house and some amount of loan use to improve their business.
"I am happy with the services rendered by Janakalyan Cooperative. Our lifestyle has improved and we are respected and loved by all. Today we dream of a larger business and a better life for our children", says a grateful Rekha.
Rekha has requested 30,000 INR for starting a standard fast food centre at Cooch Behar Sadar Town .
Anjuwara Bibi,28 years & Bablu Miya, 36 years
Services Industry/ Grocery Store, Pakur Tola Bazar, Takagachh, cooch Behar, Dated 15.10.2017
Anjuwara Bibi runs a daily uses consumer store at Pakur Tola Bazar with her husband, and were able to manage their expenses only. After her first loan through Janakalyan Cooperative 2 year ago, she procured more items in the shop. They now earn a monthly income of 12,000 INR. She is only able to repay her installments every month; she also has bought a refrigerator and a television with her savings. She is very happy with the business progress. She requires an amount of 30,000 INR in order to make her shop improvement.
Marjina Bibi, 28 Years
Services Industry/ Fancy Articles Store, Takagachh, Cooch Behar. Dated 15.10.2017
Ever since Marjina joined with JCCSL 3 years ago, she sells fancy items and women accessories from her home. Set up and expanded with the help of these small loans, she has made a substantial impact to her standard of living and her 2 children, a girl and a boy. From an income of 2,000 INR a month, the family now makes 12,000 INR, all because of her hard work. She is happy while working from home, because she is connected to the society and her family at the same time. Now she wants to help her husband buy a car.
"I am very happy that my friends introduced me to Janakalyan co-operative Credit. Look at the considerable progress I have made for myself, my husband and my children. If all goes well, I might even buy a bigger house in 6 years time", Marjina proudly exclaims.
Sucharita Mandal, 29 Years
Services Industry/ Beauty Parlour, Sadar Cooch Behar, Cooch Beha, Dated 15.10.2017
Where there is a will, there's a way! , Sucharita has reinvented herself by learning the beautician's course and now runs her own beauty parlor. Of course. Today, Sucharita has started own business of beauty parlor in her nearest market. All of this fame with the micro loans from JCCSL in the past 1 month. With savings from the monthly income of 7,000 INR, and she take care her mother and sister. However, the road is still tough! The rents of the shop are high and eat up most of the income. So now she wants to establish her beauty parlor in her own space.
"Thanks to the loans of JCCSL extended to me time and again, I was able to give my family a decent name. Today people respect our family and I am grateful," says Sucharita, her eyes brimming with tears of gratitude and joy.
She requires at least 40,000 INR to begin dreaming about her own place for her beauty parlor, while a lot more to make it a reality. Help her in any way you can!
MARJINA KHATUN, 32 Years
Services Industry/ Chiffonnier, Karishal, Cooch Behar, Dated 15.10.2017
The husband- wife duo, earned as less as 150 INR cumulatively every day, before Manju joined JCCSL. The couple bought their first "Toto rickshaw" to with loan assistance from JCCSL, 3 year ago. And now their daily earnings have quadrupled, now she has opened a grocery and Marjina earn extra.
She has also put her 3 children, 2 boys and a girl, in a private school, instead of a government school.
The couple now wants to buy a "Auto rickshaw" Marjina requires financial assistance of 40,000 INR for it.
Jahanara Bibi,32Years & Manirul Islam40 Years,
Producer Activity/ Tailoring, Near S.S.Market,Cooch Behar, Dated 15.10.2017
Jahanara's husband gets some odd jobs, making life very miserable condition for the family. To overcome this obstacle, she started a tailoring business in her home, using the loan amount of 10000 INR, 2 years ago, facilitated by JCCSL, and she bought a regular hand operated sewing machine.
Ever since she has told her neighbors about her tailoring work, she gets a lot of orders from the women in her area. Now she has is very popular in her area. That way, she is able to dream, aspire and convert them into reality. She has been able to acquire modern household items like Refrigerator, TV, etc., which were beyond her reach earlier. She wants to give her children good education and fulfill all of their dreams.
Right now, Manirul wants to buy an electrically operated sewing machine that costs about 20,000 INR.