Joyanta Bakali, Deputy Business Head My journey with Arohan has been nothing short of remarkable. I first joined in June 2007, when Arohan was just beginning its story. I started out as a Product Manager and had the opportunity to launch what is today known as the Micro Enterprise Loan (MEL). Back then, we spent months on the ground - understanding customer needs, building the right model, and ensuring it was sustainable for the company. Over the years, my role evolved - from building monitoring systems and training frameworks to supporting digital transformation and geographical expansion across Bihar, Odisha, Assam, and Tripura. I’ve been fortunate to contribute to several of the organisation’s key milestones. Today, in my current role as Deputy Business Head, I continue to focus on growth, operational excellence, and building strong, customer-focused teams. I’ve also had the privilege of mentoring many of today’s Regional and Zonal leaders—professionals who now carry forward Arohan’s mission with sincerity and ownership. Arohan has weathered many storms - the AP crisis, demonetisation, COVID - and yet each time, we’ve come back stronger. One of the most pivotal moments was our merger with the Aavishkaar Group in 2012, which marked a new phase of growth and profitability. I was fortunate to be part of the senior leadership team at the time, contributing to reshaping our mission and vision around real financial inclusion. What makes Arohan truly special is its culture - rooted in ethics, transparency, and respect for people at every level, from our customers to our colleagues. I’ve always tried to lead with these values and instill the same in the teams I’ve worked with. Today, as the microfinance landscape continues to evolve, I believe our ability to adapt, upskill, and stay passionate about our purpose will define the next chapter of growth. If we continue to learn from challenges and stay committed to doing the right thing every day, there’s no limit to what we can achieve. Here’s to an even more impactful year ahead - wishing the very best for Arohan in 2025–26! Management Discussion & Analysis | 72 Annual Report | 2024-2025
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