धनसृष्टि वित्तीय समावेशन का अर्थ है कि व्यक्तियों, रेहड़ी-पटरी वालों, छोटे व्यवसायों और किसानों के पास अपनी आवश्यकताओं को पूरा करने वाले किफायती वित्तीय उत्पादों और सेवाओं तक पहुंच और उनका उपयोग हो, जो जिम्मेदार और टिकाऊ तरीके से प्रदान किए जाएं।।
Dhanshristi Financial inclusion means that individuals , street hawkers small businesses and farmers have access to and use affordable financial products and services that meet their needs, which are delivered in a responsible and sustainable way.
धनसृष्टि भविष्य निधि ट्रस्ट एक एमएफआई के रूप में स्थापित है, जिसे भारत सरकार के नीति आयोग द्वारा अनुमोदित किया गया है, और आयकर अधिनियम 1961 के तहत 12 ए और 80 जी प्रमाणीकरण के तहत पंजीकृत है। धनसृष्टि भविष्य निधि ट्रस्ट की स्थापना नीडको ग्रुप, नई दिल्ली द्वारा संयुक्त देयता समूहों, स्ट्रीट हॉकर समूहों और किसान समूहों की स्थापना के लिए की गई थी ताकि वित्तीय समावेशन अवधारणा के माध्यम से सामाजिक निवेश, माइक्रो फाइनेंस और माइक्रो बीमा को बढ़ावा दिया जा सके ताकि उनके आर्थिक और सामाजिक सशक्तिकरण में बदलाव लाया जा सके।।
Dhanshristi Bhavishya Nidhi Trust is established as an MFI, approved by Niti Aayog, Government of Bharat, and registered under 12A & 80G Certification under the Income Tax Act 1961. Dhanshristi Bhavishya Nidhi Trust was set up by Neidco Group, New Delhi to establish Joint Liability Groups, Street Hawker Groups & Farmers Groups to promote Social Investment, Micro finance & Micro Insurance through the financial inclusion concept to change their economic and Social empowerment.
Dhanshristi Joint Liability Group (JLG) is an informal group of 4-5 individuals who come together to secure loans from financial institutions, often banks, by jointly guaranteeing each other's loans. These groups are particularly relevant in microfinance, providing access to credit for individuals, especially those in agriculture and allied sectors, who may not have the individual means to qualify for loans.
Here's a more detailed breakdown:
Key Features of JLGs:
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Informal Group Formation:
Members are typically individuals engaged in similar economic activities, residing in the same area, and possessing mutual trust.
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Joint Liability:
The group collectively guarantees the repayment of loans taken by individual members or the group as a whole.
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Focus on Agriculture and Allied Activities:
JLGs are often formed by farmers and those involved in related sectors.
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Access to Credit:
JLGs provide a pathway for individuals to access loans for income-generating activities, even without individual collateral.
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Reduced Transaction Costs:
MFi and Banks find JLGs beneficial due to lower transaction costs associated with group lending compared to individual lending.
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Promotes Financial Inclusion:
JLGs play a vital role in extending microfinance to the rural and unbanked population.
हमारे पास संयुक्त देयता समूह, स्वयं सहायता समूह, किसान समूह और सहयोगी नाबार्ड, सिडबी, हाउसिंग फाइनेंस कंपनी, एनबीएफसी और बैंकों के साथ व्यक्तियों के साथ निवेश, बीमा और वित्त के बारे में वित्तीय सेवाओं में 20 साल का अनुभव है।
We have 20 years experience in financial services about investment , insurance and finance with Joint Liability Group , Self Help Group , Farmers Group and Individuals with associate NABARD, SIDBI , Housing Finance Company , NBFC and Banks.
