"Learning humility, purity and simple-living from those who don't take too much from the earth...
Targetting the problems of hunger, disease and oppression that sadden their lives...
Inspiring in each other trust, confidence and support for one another..."

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  project name ~ BSS

category ~ microcredit




  Project Name





BSS (Bharatha Swamukti Samsthe)










  Budget Approved


$ 2000


  Year Approved







1   2   3   4   5   6   7   8   9   10  

  Chapter Coordinators


Dhanya Devarajan







One of the BSS meetings at Kunigal, near Bangalore





The BSS approach to microcredit is modeled after the Grameen Bank system of Bangladesh and has been adapted for Indian conditions (e.g., Grameen staff uses bicycles; in India, mopeds or motor cycles are more convenient because of longer distances). Each microcredit group, comprised of 5 women, has to wait 6 weeks before 2 women from the group are eligible for loans and 6 more weeks before two others are eligible. 100% repayment is required and each group must pay each week by having the entire group accountable, all members of the group ensure that others in their group behave responsibly and this is a hallmark of the BSS system. BSS takes great pains to ensure that its accounts are rigorously maintained on Excel spreadsheets and updated every week religiously. BSS currently has are 18 paid employees (4 in the head office and 14 field workers) who receive competitive wages. Dr. Bellamakonda takes no salary and supports himself independently. Most of the funds for operations are borrowed. Approximately 20% of the funds are from grants and donations





1) 100% repayment is claimed 2) Number of borrowers has increased from 108 in 2000 to 1608 in 2002





Offer microcredit loans to the economically weaker sections in the rural areas



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