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

 

 

                                                                 

ENTENDED MICRO-FINANCE PROJECT OF POOR WOMEN OF SAYEDPUR CAMPS IN NILPHAMARI DISTRICT

Back ground of the project
This project was extended on the basis of experience gained from the last year’s project with the financial assistance of OBAT Helpers Inc., USA. The implementation period was March 2008 to February 2009. The project attempted to focus on camp dwellers in Syedpur town in northern part of the country where concentration of stranded Pakistani people is very high. They are poor and rootless and no place to live at their own. The vast majority of women of the dwellers are hard core poor and they are struggling for survival. Thus, income generation activities could help the distress women who may create positive impact on their life style by raising social awareness and providing small scale loan to them for poverty reduction. These activities aimed at covering wide range of activities like income generation activities, improving health and nutrition, water and sanitation, environment, child rights and human rights etc.

1. Objective of the project

The main objective of the project was improving the quality of life of the women of the camps. The project has set some specific goal to bring target women under income generation activities. These are

a) Organizing poor women and build-up social awareness, orientation on micro-credit operation, group savings and utilization of fund for poverty reduction;
b) Providing skill development training on income generation activities; and
c) Creating awareness on health, hygiene so that they can receive govt. health services for themselves and the under age children
.


2. Coverage of the project

There are 20 camps in Syedpur with 4255 families and 20,000 population. The project has so far covered 1075 families in 14 camps. This means that 74% families in rest of the camps still remains out of the project in spite of their eligibility.


3. Organizational development

The beneficiaries organized themselves into functional groups, elected their own leaders to manage the groups. They hold weekly meetings and discuss their problems also with weekly savings. The members have developed habit of own savings

4. Planned activities and overall achievement

In the project document a work plan was included showing the planned activities of the project. It is important to see the achievement of the planned activities

Table-9

Sl. no
Activities
Targets
Achievement
% Achievement
1
Bench mark survey of the camps and assess the socio economic condition
7 camps
09
128
2
Group formation for income generation
20 groups
47
235
3
Membership enrolment
600 members
1466
244
4
Training of Project In charge and Project Organizer
02(one)
5
250
5
Briefing of group members on income generation activities
600 women
1466
250
6
Start of group savings of the group members as soon as beneficiaries are enrolled
600
1466
250
7
Provide loan to potential members
400 women
1271
318
8
Organize weekly group meetings and create awareness on health, education and water sanitation
960 meetings
2256 meetings
235
9
Collection of weekly credit installment from the members
600 women
1271
212
10
Loan provide to new members
600 women
671
112

The table shows that achievement was 100% to 318% against the specific planned activities. This indicates that the project was effectively implemented.

5. Disbursement of project loan among the members

In the project there was target of 400 members to be provided with loan. The loan giving ceremony was started in the month April 2008. Total project fund for loan was Tk. 4,000,000. The loan giving activities continued throughout the project period. Out of total loan distributed among the beneficiaries Tk. 3,154,005 was collected and rest amount was outstanding in the field. The amount collected revolved among the beneficiaries enrolled as new members in gradual process. The rate of loan repayment by the members is 100%.

In the following camps income generation activities were carried out. The table shows the number of saving members and loan provided to the members for income generation activities:

Table - 10
Savings members and Members received loan

Sl. no
Name of Camp
No of Saving members
No of members received loan
1
Islambagh
35
29
2
Rasulpur
36
27
3
Munshipara
105
97
4
Hatikhana
264
250
5
Out house
35
30
6
Mistrypara
120
108
7
Golahat
164
147
8
Cinema Hall Camp
105
101
9
Golahat-1
165
132
10
Durgamill
35
29
11
Bashbari
85
64
-
Total
1149
1014

Table - 11
The members utilize their loan in the following trades and business

Sl. no
Name of Trade & Business
No of members
%members involved in the business
1
Rickshaw / Rickshaw Van Pulling and Cart
263
26
2
Food Processing
09
01
3
Small Trade
694
68
4
Small Engineering & Manufacturing
36
3.55
5
Hotel business
12
1.18
-
Total
1014
-

It is found that small business was the most important activities followed by Rickshaw and Rickshaw van pulling from which they are economically benefited.


6. Repayment Trend

It is found that repayment of loan was 100% in all cases till to-date. There has been a very good trend set by the members of the groups particularly in repayment of loan.

7. Creation of awareness of the beneficiaries

Creation of awareness of the beneficiaries (women members) was one of the objectives of the project. An attempt is being made to see how far the awareness was created among the beneficiaries on basic health, nutrition, water, sanitation hygiene and education. The level of knowledge of the members in new camps was assessed. The project staff during their field visits attends the group meetings and raises awareness of the members on health nutrition hygiene sanitation and education etc. The group members send their children to schools obtain health service from services providers or themselves and their children practice hygiene behaviors use sanitation and drink safe water at family levels. The level of existing knowledge and members acquiring knowledge on different indicators are shown in the following table:

Table - 12
Level of knowledge of group members on selected indicators

Sl. no
Variables
% of members having knowledge before the project (as per BLS)*
% of members acquired knowledge through project organizer after the project
1
Immunization of children
93
07
2
Nutritional blindness prevention(nutrient vegetables)
30
70
3
Diarrhoeal diseases
80
20
4
Taking iodated salt to remove iodine deficiency
8
92
5
Preparation of oral saline
12
88
6
Use of sanitary latrines
15
85
7
Washing of hands with soap/ash before and after defecation
20
80
8
Washing of hand with soap before eating
85
15
9
Use pf sandals while using latrines
10
90
10
Drinking safe water
99
01
11
Prohibition of child marriage
30
70
12
Registration of birth
none
100
13
Sending children of 6+ to school(which is free)
35
65

It is found that majority of members had knowledge about immunization of children diarrhoeal diseases, washing hands with soap before eating and drinking water before the project was undertaken. But overwhelming majority of the members acquired knowledge on nutritional blindness prevention, taking iodated salt, preparation of ORS, use of sanitary latrines, washing of hands with soap before and after defecation, use of sandals while using latrines, prohibition of child marriage, birth registration and sending their children (6+) to schools through project organizer after the implementation of project. It appears that a good deal of awareness has been created among the members through weekly meetings of the women groups after the project was implemented. This is undoubtedly a great achievement. It was also observed after discussions in focus groups that most of the members had been practicing washing hand with soap before eating, using sandals while using latrines, maintaining cleanliness at home, drinking safe water and sending children to schools.


The project management staff both at the HQ and field level thought that such a project could not produce any tangible impact within a short duration of the project rather it should continue for some more times to produce desired result. The response of the beneficiaries was highly positive and spontaneous.

8. Lessons learnt


The lessons (1) learnt from the experience of implementation of the project may be summarized as follows:

 

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