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| AN IDEA |
Chandra Shekhar Ghosh fought very hard to run his family for a long time, with a salary of only 5000. They thought of something different at the end of the year 1990. At that time, this person from Tripura was the program head of a non-government organization in Kolkata, the College Wells Society Society.
ABOUT:-
Ghosh, 53, was born in Agartala in Tripura. His childhood was full of struggles. His father used to run his house with the earning of his sweet shop. But he was aware of his son's better education. On the basis of his father's help and his own tenacity, Ghosh did his Master's degree in Statistics from Dhaka University.
Recalling his bad days, he says that one day his mother was making rice outside the cottage and the sister was playing in dirt. As soon as Chandra Shekhar was going to give a sermon on cleanliness to his sister, his mother told him that his daughter has been insisting on eating fish for three days and even today, they have given him a false consolation. Ghosh never forgot this sentence.
STRUGGLES:-
With his mother knocking on these circumstances, Ghosh's mind resolved to rise above these shortcomings. An incident and which was not giving Ghosh to sleep peacefully, it was a seller of a vegetable, who was a victim of the oppression of a moneylender. The vegetable seller used to borrow 500 rupees daily and in lieu of his repayment every time the moneylender would pay the original and interest. This amount was so much that at the annual rate it was to pay interest of 700%.
To overcome the struggles, Ghosh decided to open a microfinance organization. Under this, women entrepreneurs who had their business at a very small level had to be given a loan. In order to fulfill this objective, the bank called Bandhan started in 2001. Bandhan Bank is a banking and financial services company of India. On August 23, 2015, Bandhan Financial Services started the bank named Bandhan Bank. Reserve Bank of India has approved Micro-institution bond to start full commercial bank. This bank lends to people in villages and towns of India, though giving loan for women empowerment is their first priority.
TODAY'S LEADERSHIPS:-
Today, under the leadership of Micro Finance, they have more than 2000 branches, which are with only female membership, zero portfolio risk and 100% recovery rate. His chairman, Ashok Lahiri, believes that it is a leading agency that focuses on social change. Ghosh started this institution to assist 25 destitute women living in a small town in Kolkata. Their average income was 300 rupees but today it has increased to Rs. 2000.
Today, almost 15 years ago, as an NGO, the RBI approved final approval for the opening of the bank, while Reliance, Birla and Bajaj Group companies were also in competition with them.
Till now the bond has come to the eyes of international financial institutions. In 2011, International Finance Corporation (IFC), a subsidiary of World Bank, invested 135 million rupees in bonds. Today the valuation of bondage group is around 30,000 crore.
The aim of Bandhan is to create a poverty-free world through empowerment. Their intention is to create an international microfinance institution globally by 2022, which can serve approximately 10 million people.
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