CONTENTS
 
   Foreword
   Executive Director note
   Bangladesh Map     (Showing Project Area)
   List of Tables
   List of Charts/Graphs
   List of Photograph
   Acronyms

 

 

                                                                 

COMMUNITY DEVELOPMENT PROJECT

ISDCM has been implementing Community Development project in 8 Upazilas with its 8 Branch Offices. The project covers wide range of activities like i) development of Organizations for the rural poor women ii) income generation activities through micro-finance activities iii) accumulation of thrift deposits iv) build up awareness on education, health nutrition, water sanitation child rights vi) leadership development of poor women.

Micro-Credit Operation

The objective of the micro-finance activities was to empower the poor women through creation of social awareness and development of their own organization for poverty reduction.

1. The awareness creation meetings in the Micro-credit Operation

The Weekly meeting is an important activity of the project and it has been institutionalized. The Meetings are being held group wise. This is an essential part for growth of any such Organization. The meetings are held regularly. Each Field Worker has been given responsibility to work with 18-20 groups. The groups regularly maintained minutes of the meetings. This is mandatory for the members to attend in the meeting regularly. The issues discussed in the meetings to disseminate the information’s to the members how to manage the micro-credit operation in a systematic manner and diligently which are as follows:

Table-6
Accumulation of savings of group members
January – December 2008

Sl. no
Name of Branch
Opening Balance
Savings: 2007
Withdrawal & return Closing Balance
Member Amount
1
Natore Sadar
133,219
1,037,091
579,575
1117
995,950
2
Singra
17,322
1,721,429
1,505,750
1267
1,613,687
3
Kaliganj
247,400
1,034,324
985,850
1151
963,645
4
Tamaltala
271,096
1,005,618
1,016,520
1294
953,503
5
Bonpara
91,768
290,040
80,050
506
274,535
6
Atrai
-
86,541
600
265
85,941
7
Dhamrai
361,104
268,083
203,632
489
425,555
8
Manikganj
461,759
495,441
336,395
657
620,805

2. Group Savings

Under the poor economic condition of rural poor women, savings is very difficult for them. In spite of that ISDCM has played an important role and encourage the members to grow habit of savings. ISDCM made it mandatory that savings is pre-requisite for membership of the organization. The uniqueness of group savings is that members can withdraw their savings deposit on demand. There is a provision of withdrawal of savings. The group members receive dividends annually out of their income. The members deposited the savings weekly to their credit in the organizations account. The amount of savings varies from Tk.10-20. For each member a pass book is being given to maintain record of the saving account. In all the Branches the number of members has largely increased over the last year.

Table-7
Loan Disbursement and Recovery status
January – December 2008

Sl. no
Name of Branch
Opening Balance
Amount of loan disbursed
with service charge
Loan
Outstanding
Up to date rate of realization
1
Natore Sadar
1156
6,324,750
5,116,647
91%
2
Singra
1301
12,403,125
6,423,383
95%
3
Kaliganj
1112
10,267,875
5,473,150
97%
4
Tamaltala
1364
7,975,125
5,237,990
96%
5
Bonpara
164
3,795,750
2,276,600
100%
6
Atrai
22
1,859,625
1,392,025
100%
7
Dhamrai
333
3,736,125
2,023,650
97%
8
Manikganj
528
3,322,425
2,127,404
97%

3. Important trade and business

Some of the trades are mentioned below through which members utilized the loan:

Table-8
Group Meetings
January – December 2008

Sl. no
Name of Branch
No of Groups
No. Of Members
Weekly group meeting targetes
Achievement Up to date rate of realization
1
Natore Sadar
63
1129
756
756
100%
2
Singra
71
1299
852
852
100%
3
Kaliganj
48
1177
576
576
100%
4
Tamaltala
68
1323
816
816
100%
5
Bonpara
31
514
372
372
100%
6
Atrai
18
265
216
216
100%
7
Dhamrai
34
714
408
408
100%
8
Manikganj
31
651
372
372
100%

 

 

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