MANAGEMENT
EXISTING
PROGRAMMES AND ACTIVITIES
AWARENESS RAISING
EXTENDED MICRO-FINANCE PROJECT FOR POOR WOMEN
HYSAWA (HYGIENE, SANITATION
AND WATER SUPPLY DEVELOPMENT PROGRAMME)
FAMILY DEVELOPMENT PROJECT FOR DESTITUTE AND DISPLACED FAMILIES LIVING
IN DIFFERENT CAMPS OF 6 CITIES
SPECIAL VILLAGE SANITATION PROJECT
TRAINING, SEMINAR AND STUDY TOUR
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% |