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.
Our financial inclusion awareness campaign, focus on creating accessible content, using community-centric outreach, and tailoring messages to specific demographics. A multi-pronged strategy will effectively build trust and reach the most vulnerable populations, bridging the gap between simply having an account and meaningful financial empowerment.
Key campaign topics
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Benefits of formal banking: Teach people how to open and use a bank account, highlighting advantages like the safety of savings and access to credit.
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Government social security schemes: Explain and facilitate enrollment for schemes such as the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY).
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Digital financial services: Provide hands-on training for digital tools like UPI (Unified Payments Interface), mobile banking, and e-wallets. Build trust in these systems through practical demonstrations.
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Fraud prevention: Educate the public on how to recognize and avoid digital fraud, scams, and fraudulent investment schemes.
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Financial planning: Teach basic financial management skills, including budgeting, the importance of savings, and planning for life events.
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Insurance and credit: Explain different types of insurance (life, health, accident) and the importance of timely loan repayments to build a good credit score
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 और एशियन डेवलपमेंट बैंक, फिलीपींस के साथ संबंध 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 & association with Asain Development Bank, Philippines 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.
Business Loan
A business loan is a financial product that provides funding for a business to cover costs associated with running and growing the business. Business loans can be used for a variety of purposes, including: Working capital, Equipment purchases, Real estate, Inventory, Expansion, and Cash flow management.
Business loans are a debt that is repaid over time, with interest, and the borrower retains full ownership of the business. The loan is typically provided by a financial institution or lender, such as a bank, credit union, or online lender.
Here are some things to consider about business loans:
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Repayment terms
The loan agreement will specify the interest rate and repayment period.
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Creditworthiness
The borrower's credit score is a key factor in the loan approval process and the maximum loan amount.
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Collateral
Depending on the borrower's creditworthiness, the loan may be secured, requiring collateral such as property or equipment.
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Application process
The application process typically involves providing documents such as ID, business formation documents, bank account statements, and licenses. A business plan is also often required to show how the funds will be used and how the loan will be repaid.
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Benefits
Business loans can provide financial flexibility, help with business expansion, and improve creditworthiness. The interest paid on a business loan may also be tax-deductible.
Our Menstrual hygiene awareness campaign aim to educate individuals, especially adolescent girls poor family or living at slam area , about menstruation, promote access to safe menstrual products, and ensure their environmentally friendly disposal, all while breaking taboos surrounding periods. Initiatives use community meetings, educational modules, and media to achieve these goals.
Key Objectives of Campaigns
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Promote Product Access:
To ensure availability of affordable, high-quality, and safe menstrual products, including sanitary napkins.
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Foster Safe Disposal:
To teach and encourage environmentally safe disposal methods for menstrual waste.
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Break Stigma:
To challenge and dismantle the social and cultural taboos that surround menstruation, promoting open dialogue.
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Empowerment:
To build self-esteem and empower women and girls by providing them with information and the tools to manage their periods with dignity.
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Increase Knowledge:
To educate girls and women about the menstrual cycle, hygiene practices, and potential health risks associated with poor hygiene.
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.
