Money plays a vital role in shaping livelihoods and societies. While financial systems have helped mankind move beyond the barter system and enabled progress across many walks of life, money detached from morality has also given rise to serious socio-economic evils such as exploitation, inequality, and debt traps.

Addressing this imbalance, Janseva Cooperative Credit Society Ltd has emerged as a people-centric institution dedicated to ethical finance. The society provides interest-free loans to small businesses, vendors, and self-employed individuals, ensuring access to capital without exploitation.

Over the past 15 years, Janseva CCS Ltd has developed and successfully practiced a moral financial model based on two principles: SOC (Share in Operating Cost) and SIGP (Share in Generated Profit). This approach replaces interest-based lending with shared responsibility and fair participation.

With the guiding vision of “Making Money Moral,” the society seeks to restore humanity to economics. To spread awareness of this ethical alternative, an Ethical Financial Literacy Awareness Campaign (EFLAC) is being proposed, aimed at educating communities on humane and responsible financial practices.

In a time when profit often overshadows people, Janseva Cooperative Credit Society Ltd stands as a reminder that true development lies not in interest earned, but in dignity preserved and livelihoods empowered.

Reg Address : AICMEU 179 1st Floor , Vazir Building, I.R Road Mumbai 400003