Jeevan Bikas Samaj and

Energy Financing

Presentation By:Sanjay Kumar Mandal

JBS, Nepal

Jeevan Bikas Samaj(as FINGO)

Address :- Katahari-1, Morang, Nepal

Establish :- 21 September 1997

Social Welfare Council :- 10 November 1998

NRB Permission for MF :- 18 June 2002

Microfinance Operation :- 15 January 2003

Major focus :- Micro finance &Credit Plus program

Organizational Chart of JBS

Working Area of JBS

Working Area

Particular Current Status

Working District 7

Branch 71

Staff 452

Total Member 151,289

Total Borrower 112,916

Total Saving (Nrs.) 2,197,240,255

Loan Portfolio (Nrs.) 4,208,482,853

Portfolio at Risk (Nrs.) 2,300,214

Current Status of JBS

Major Services of JBSFinancial Services

Loan

Consumption Loan

Emergency Loan

Income Generation

Loan

General Loan

Domestic Self-Employment

Loan

Social Development

Loan

Education Loan

Community Agriculture

Loan

Housing Loan

House

Safe Drinking Water

Toilet

Light/Solar

Solar

Electric Grid

Cooking Solution

Biogas

Cooking Stove

Saving

Insurance

Remittance

Credit Plus Services of JBSHealth Service

O.P.D.Health Camp

Pathology Lab Pharmacy

Health Camp

Credit Plus Services of JBSEducation Services 1. Child Education Center

2. Jeevan Bikas Public School3. Education Loan

Credit Plus Services of JBSAgriculture 1. Kitchen Garden

2. Seed Production3. Agriculture Model Village Development

Credit Plus Services of JBSComplete Housing

PartnershipMOU on

25-April-2014JBS

Total Target of project : 39,465 (Solar, Biogas, ICS)

Year wise Target Vs AchievementYear Target Achievement % Achieved

2014 2,988 3,579 119.8%

2015 8,517 8,719 102.4%

Cumulative 2015 10,505 12,298 117.1%

JBS Modality of Energy Financing

JBS MF Branch

Center Meeting

JBS UrjaCompany

MemberLoan Demand

Demand detail

Supply-Installation

After S

ales Services

After-sales requirement

Awareness training

Repayment

Paym

ent of System

Technical Training for MF Staff

Energy FinancingCurrent Status of Energy Financing (Till December 2015)

Product Loan Size (Nrs)

Loan term Installment Size (Nrs-fortnightly)

Interest p.a.

(diminishing)

# of served household

Loan Portfolio

(Nrs.)

Solar lighting(20w)

10,000 30 months 160 +interest

16% 11,136 67,551,111

Solar HomeSystem (Upto150w)

60,000 30 months 960 +interest

16% 812 12,050,679

Biogas 30,000 30 months 480 +interest

16% 228 11,451,734

Cook-stove 10,000 30 months 160 +interest

16% 122 163,600

Total 12,298 91,217,124

Energy FinancingExperiences

I. 100% Loan Recovery on Energy Loan.II. High demand of 20 watt solar system among

pro-poor.III. Positive impact seen on child education/

security/income generation activities. IV. Employment raised by installation and after sales

services.V. Use of Kerosene oil is fall down by the use of Solar

and Biogas which is cost effective too.VI. After-sales services is quite effective.VII. Less acceptance of existing ICS model by community.

Energy FinancingFuture Action on Energy Financing

JBS willI. Work on solar water for irrigation and safe

drinking waterII. Build Clean Model VillageIII. Install minimum one energy product on each

JBS member house (151,289)

Energy Financing

THANKS FOR

ATTENTION

Sustainable Energy for All