Section Three – Income Generating Activities:
3.1. Formation of Samities, Members and Savings
t Introduction of the Project :
Annesha Foundation has been working for the neglected, underprivileged, disadvantaged and exploited classes of people, since May 27, 1989 in rural areas and has been providing motivation, education, training and awareness building activities for their integrated development. 5 members formed a group and 4 to 6 groups formed a samity. A samity consisting of 4 groups and or 20 members is registered under Annesha Foundation (AF). For group management, a committee consisting of 6 members (1 chairperson, 1 secretary, 1 treasurer and 3 members) is elected/ selected. The group members sit in their regular meetings weekly. In the meeting they discuss about their present situation, try to identify their problems, find out probable solution and deposit money for their economic development in future. As on 30 June 2008, 2242 groups consisting of 29,326 members were formed, who accumulated Tk.44, 316,364 as savings.
t Strategies of Project implementation:
- Organizing men and women through continuous motivation
- Awareness building through development oriented discussions.
- Bringing changes in knowledge, skills and attitudes through training.
- Weekly and special savings accumulation from respective group members.
Objectives of the Project:
- Strengthening of unity and solidarity among the group members.
- Providing continuous motivation for creating sustainable development in the livelihood.
- Raising capital with the savings of the group members.
- Inspiring members for undertaking income and employment oriented activities.
- Motivating members not to take loan from local moneylenders in their bad times.
- Encouraging women to work side by side their husbands.
- Empowering by increasing awareness and building self-confident among women group members.
- Building democratic and accountable organization which could be used as platform to
raise their voice and assert their rights.
- Establishing women’s prestige and dignity in family, society and national level.
Formation of Groups/Samitys:
One of the strategies of activity-implementation is formation of small groups/samities with poor people. So far from inception, Annesha Foundation (AF) has organized 2,239 groups consisting of 29,188 members as on 30 June 2007. A year-wise statement of group formation has been shown above in graph – 1 for last 12 years.
Last 14 (1995 – 2008) years comparative progress of group formation is shown below both with the following table and graph:
The information about the increase of groups/samitys for 14 years is presented with the following column graph.
The number of members based on years is presented with the following table.
Information about the increase of member up-to 14 years are presented with the following column chart:
The organized groups sit in the regular weekly meeting and discuss on their socio-economic condition. For their own economic development, they deposit their savings in the regular meeting. As on 30th June 2007, their total accumulated amount is Tk. 46,823,000. This savings amount is kept with Annesha Foundation (AF). Annesha Foundation (AF) invests
this fund and in return Annesha Foundation pays interest to members against their saving deposits at the rate of Taka.6% annually. The members’ savings has been shown in graph below for last 14 years. The Taka has been shown in thousand.
Project-based Samity/Group Member, Savings outstanding and Loan Outstanding t
Project- wise Loan Disbursement and Realization for the FY 200-2008:
t Results of the Savings and Credit Programs.
a. Consciousness built among the group members.
b. Unity and solidarity increased among group members.
c. Leadership quality developed among group members.
d. Members became habituated to savings and saved money regularly.
e. Self-confidence increased among the group members with regards to changing their own fate.
f. Members are earning some extra income from own income generating activities (IGAs).
g. Members are fulfilling their family needs from their own income and are investing in income generation activities.
3.2: Micro Credit: Rural Micro Credit & Urban Micro Credit, Micro Enterprise & Livelihood Restoration Program (LRP)
± Name of the Project : Income Generation and Employment Program
± Name of Donor Agency : Palli Karma-Sahayak Foundation
± Duration : The project started in 1993 and will continue.
± Introduction of the Project ( IGP):
It has been mentioned earlier that Annesha Foundation (AF) has undertaken credit distribution program in a very limited scope along with some basic activities like -education, training, healthcare, rural water and sanitation programs since 1989. In continuation of this program, from 1993 Palli Karma Sahayak Foundation (PKSF) started providing credit funds to Annesha Foundation (AF) to facilitate the organization further in creating a large number of job creation opportunities with a view to involve more group members in economic development activities.
± Targets of the Project.
The targets of the project is to make the organized poor, day laborers, marginalized farmers and destitute members self-reliant through income generation and jobs creation.
± Operational areas of IGP activities:
The following table shows district-wise coverage of Upazila, union, villages and members. It indicates that 1,111 are male and 31,537 are female members are organized.
± Objectives of the Project (PKSF for IGP):
¨ Creating jobs for group members and their family members as well
· Assisting in increasing the capital of members
· Reducing dependence on village money-lenders.
· Encouraging women to play role alongside their husbands in households
· Reducing the reliance of the women on others.
· Building women self-confident
· Establishing the dignity of women in family and society
· Increasing the income of the poor community through proper direction of limited resources
· Helping them to play role in the growth of national income.
Ü Strategies of project implementation:
č Organizing men and women through motivation
č Help building consciousness through discussions on developmental issues.
č Bringing changes in knowledge, skills and outlooks by imparting training
č Accumulating weekly and special savings
č Taking over projects through group decisions
Program-wise distribution of Credit Fund (All IGP Fund).
Total Loan disbursement, realization and outstanding balance of PKSF fund and Non-PKSF IGP fund as on June 2008:
Project-wise Loan Disbursement and Realization as on June 2008t
Project-wise PKSF Loan Outstanding and Savings outstanding
Ü Results of the Project funded by PKSF:
· Employment opportunities created for respective group members and their family members.
· Income of families has been increased.
· Dignity of women in family and society increased.
· Scopes created for paying for children’s education fees and healthcare services.
· Dependency on village money-lender decreased.
· Proper use of limited resources ensured.
· Local technologies are used.
· Skills and experience enhanced in implementing projects.
Project-wise PKSF Loan disbursement as on June, 2008:
The up-to date Project-wise PKSF Loan Disbursement, Realization & Loan Outstanding are shown below with table.
In million taka
The Project-wise PKSF Loan Disbursement & Realization of the fiscal year 2007-2008 are shown below with table.
The up-to date Project-wise PKSF Loan Disbursement and Realization for the fiscal year 2007-2008 are shown below with column chart.
3.3: Agricultural Diversification and Intensification Project (ADIP)
Since 1999, Annesha Foundation (AF) started Agricultural Diversification and Intensification Project (ADIP) mainly for the landless, small and marginalized farmers. The project intended to raise income and living standard of the farmers in Gazipur, Tangail, Kishoreganj, and all Upazillas of Narsinghdi Districts. But, AF has been nominated by ADIP to implement activities in Sadar Upazila of Gazipur District and Bajitput Upazila under Kishoreganj District. The unenlightened people and lack of proper communication have caused the people mostly inhabit in these areas. The modern facilities in the above-mentioned 2 (two) areas are absent. The agriculture in theses regions did not progress much. Tk. 154,488,000.00 was disbursed to members- borrowers and Taka 139,903,111.00 was realized with a loan outstanding balance of Tk. 14,584,889.00 as on June 2008.
Target of project:
The target of the project is to improve the socio-economic condition of the small farmers through increase of agricultural products and income generation activities.
m Objectives of the Project:
- Giving food assurance and improving nutrition for the landless small and marginalized farmers of the operational areas.
- Diversifying agricultural production and thereby increase their income.
- Developing skills of farmers and mobilizing them for implementing such program.
- Helping grow more intimate relations among them.
m Project Implementation Strategies:
- Developing convenient environment, applying befitting technologies and ensuring proper utilization of lands for agriculture development.
- Forming groups with the selected farmers and building union among the NGOS to effectively assist the farmers in developing their skills and collecting loans.
- Arranging loan facilities from the organization and Agrani Bank.
- Through physical infrastructure development, improving communications facilities, irrigation facilities, intensifying crops cultivation and product marketing and rendering training facilities.
Raising living standard of farmers through their active participation in the project.
Results of the Project:
- Groups formed with the targeted people.
- Attitudes built among the respective group members on savings accumulation.
- Loans for the landless and marginalized farmers ensured.
- Assistance for social development through other income enhancing activities given.
- Harvest of crops enhanced in the project areas through Agriculture Diversification and Intensification Project.
- People have adequate vegetables in their daily menu.
- Malnutrition problem is being decreasing day by day.
3.4: Smallholder Agricultural Improvement Project (SAIP):
Funded by IFAD
q Preface :
Annesha Foundation (AF) had undertaken Smallholder Agricultural Improvement Project (SAIP) in 1999, mainly for the landless small and marginalized farmers. The project was intended to raise income and living standard of the farmers in Mymensingh, Sherpur and Jamalpur Districts. But, Annesha Foundation (AF) was nominated to implement SAIP activities in the areas of Gouripur and Nandail Upazilas of Mymensingh District. The unenlightened people and lack of proper communication have caused the people mostly inhabit in these areas. The modern facilities are absent in these areas. The agriculture in theses regions has not progressed much. Tk. 133,033,000.00 was disbursed to members-borrowers; Taka 120,897,270.00 was realized with a loan outstanding balance of Tk. 12,135,730.00 as on June 2008.
q Target of the Project (SAIP)
Annesha Foundation (AF) has targeted the farmers of the project areas to increase agricultural crops, expand the market facilities for the crops and as a whole, increase their family income. The project has been directed towards strengthening of flood control facilities, expansion of irrigation facilities, providing small credit and improving infrastructure. All of these programs are centering intensification diversification of crops cultivation for the marginalized and landless farmers to provide credit facilities and increase their income through social development programs.
q Objectives of the Project:
- Basically giving food assurance and improving nutrition for the landless small and marginalized farmers of the operational areas.
- Diversifying agricultural production and increasing their income.
- Developing skills of farmers and mobilizing them toward agricultural development.
- Helping grow more intimate relationship among them.
q Project Implementation Strategies:
- Developing convenient environment, applying befitting technologies and ensuring proper utilization of lands for agriculture development.
- Forming 446 suitable groups with the selected farmers and building union among the NGOs to effectively assist the farmers in developing their skills and collecting loans.
- Arranging loan facilities from the organization and Sonali Bank.
- Through physical infrastructure development, improving communications facilities, irrigation facilities, intensifying crops cultivation and product marketing rendering training facilities.
- Raising living standard of farmers through their active participation in the project.
Results of the Project (SAIP):
- Results of the Project have reached at the respective operational areas.
- Local community people know the Project activities and its objectives.
Groups formed with the respective targeted people.
- Attitudes and mentality built among the respective group members on savings depositing.
- Provided loans to the landless and marginalized farmers.
- Assistance for social development through other income enhancing activities.
- Harvest of crops enhanced in the project areas through Agriculture Diversification and Intensification
- People have adequate vegetables in their daily meals.
- Malnutrition problem is being decreasing day by.
3.5: Micro Finance & Technical Support (MFTS) Project.
> Name of Donor Agency : Palli Karma-Sahayak Foundation (PKSF)
> Preface of the Project:
The Project has been started from March 2004 with the financial assistance extended by International Food for Agricultural Development (IFAD) through Palli Karma-Sahayak Foundation (PKSF). The purpose of this Project is to work for development of livestock and veterinary sides of our country in 97 Upazilas under 10 Districts. This Project will cover 2 lakhs 76 thousand people living in the respective operational areas. Duration of this Project is for 7 years. Within FY-2007-2008, Tk. 13,735,908.00 has been distributed to the members who accumulated their savings of Tk. 6,899,539.00.
> Target of the Project:
The target of the project is to assist group members to produce more domestic animals for decreasing malnutrition problem from our country gradually.
> Objectives of the Project:
- Adoption of sustainable income generating activities (IGAs) and livestock technologies by moderate and hard-core poor and acquisition of livestock knowledge by PKSF.
- Sustainable primary saving groups and credit programs.
- Establishment of community based organizations.
- Conducting training on livestock and other skills development.
- Input supply is ensured.
- Livestock technology developed and tested.
- Private sector and NGOs with a capacity to support livestock producers.
> Operational Areas of the Project:
> Target and Achievements:
The project has been undertaken from March 2004. As on June 2008, Taka.109,820,000.00 has been distributed to the members who accumulated their savings of Tk. 6,899,539.00. This project will continue up to 2010.
- The results of the Project have reached at the respective operational areas.
- Local community people know the Project activities and its objectives.
- Group’s members realized the importance of the Project.
- A large number of group members are involved in this new program.
- The respective trained-up group members are using their training knowledge in practical field.
- The respective group members started livestock and veterinary program under their own jurisdiction and home areas.
- The group members are earning some extra income through this Project activity.
- The living standard of the group members is being improved day by day.
- People have adequate domestic animals in their own house.
- The malnutrition problem is decreasing day by.
3.6: Annesha Foundation Funded Income Generation and Jobs Creation Measures
Initially all NGOs were involved in relief activities. Slowly and gradually they realized that the relief activities make one dependent on others. They were thinking of helping the poor people to bringing their socio-economic development. Annesha Foundation was of same opinion. Therefore, Annesha Foundation organized disorganized poor people in small groups, trained the members in different training, and encouraged to save for their future development. Since 1990 Annesha Foundation started providing revolving loan fund to undertake different income generation and jobs creation measures for brining their socio-economic improvement. As on June 2008, Taka 97,478,000.00 has been distributed to the members, Tk. 88,835,422.00 was realized with an outstanding loan balance of Tk. 9,567,305.
Creating employment opportunities for the respective group members and bring sustainable development by mobilizing local resources through befitting technologies.
Objective of the project:
Successful Story of the Beneficiaries of Annesha Foundation
1. Successful Story of Usah Rani Paul
Usha Rani Paul, wife of Kamal Chandra Paul of village: Savar, P.O: Hemganj Bajar, Union: Namdail, Thana: Nandail, District Mymensingh, is a member of Dola Mohila Samity, Nandail in Mymensingh organized and formed by Annesha
Foundation (AF). From 27th May, 2001, Annesha Foundation started its SAIP project in Nandail Upazila of Mymensingh District. At this time, the pal (potter) community formed a samity under the leadership of Usha Rani Paul. Before forming the samity, they used to borrow money from the money-lender at a high rate and do their professional business. But, it did not develop or change their fortune. Usha Rani Paul took the first loan of 2000.00 taka from Annesha Foundation and started her professional work/business. On the whole, her business was fine in the first year. In the second year, she took the second loan of Taka 3000.00 and continued her business. At this time she participated in a training program on her professional business/work organized by Annesha Foundation (AF) and the training developed her skill to run her business. Now, she has taken fifth loan of 12,000.00 taka and doing her business. She is making a good profit selling her mud products in different bazaars/markets of villages. Now, Usha Rani has no want and sorrow; she and her family members are live in happiness.
(This successful case study is prepared by Samuzzaman, Program Officer, and Code # 113.)
2. Successful Story of self-supported Nazmunnahar:
Mrs.Nazmunnahar, wife of Md. Abul Hossain Farazi, of Village Dubi, P.O: Rajabari, Upazila: Nesarabad, District: Pirojepur. The husband of Nazmunnaher is the only earning member of the family. They have 3 girls and one son. The have only 10 decimal of land and have a small house. Under this circumstance, it became very difficult for them to meet the expenses of the family. They were living hand to mouth. At Dubi, there is a branch office of Annesha Foundation (AF). From the people of that area, Nazmunnahar came to know that Annesha Foundation has a credit program there which is financially supported by PKSF. She came to the Dubi Branch Office with her husband and talked with the Branch Manager. She told him in detail about the different problems of her family. The Branch Manager advised her to organize a samity of 15 members in her area. In the conversation with the Branch Manager, she saw the light of development of her family. Therefore, she discussed with the women of her village and organized a saving samity of 15 members. As per the recommendation of the members of samity, she received the first loan of Taka. 10,000.00 from the Dubi Branch Office of Annesha Foundation (AF).With the loan she made a small house and purchased the necessary equipment to produce salt. She purchased the raw materials from Khulna and produced salt. The salt is sold in the local markets. She is making a profit of Taka 100 meeting all the expenses. As a result her monthly earning was almost 1000 taka. With this earning she started to save some money after repaying the loan installment and meeting some expenses of her family. After repaying the whole amount of the first loan, she received the second loan of Taka 30,000.00 and extended and developed her small salt industry. Now, she makes a profit of 20,000 taka every month.
After repaying the second loan, she received the third loan of Taka 100,000.00. Five men and 10 women work in the salt industry. Now, her salt industry has become larger than before and some laborers have got job. Nazmunnahar have 100 decimal of land and made a good house to live which present value is almost 1,000,000.00 (ten lakhs). Now, her family is a happy family. Her son and daughters are attending schools and hope to get higher education. Nazmunnahar has become a self-supported woman. She dreams to start and implement other project.
3. Successful Story of Lutfa Begum:
Mrs. Lutfa Begum is a member of Upazila Mohaila Samity, code number- 31. She is the wife of Sheikh Md. Abdul Khalek.
They have 2 sons and 2 daughters. The family was living hand to mouth. Most of the time, they did not have job. Sheikh Md.Abdul Khalek was the only earning member of the family. He was daily labor and living. The whole family was living in hardship. One day, Lutfa Begum met with Smrity Rani Biswas, the chairman of Uzzala Mahila Samity. From the chairman of the samity, she came to know about the rules of the samity. After the conversation with the Program Organizer of Shohagdal Branch of Annesha Foundation (AF), she became the member of the Samity on 14th June, 2007 and started to keep money in the saving account of the samity. On 30th June, 2007, she received the first loan of Taka 5000.00 and took a decision to start a new project. The Branch Manager asked him about his project and in reply he said that he has experience in working in a bakery in Dhaka and have achieved the skill to make morobba (a special kind of sweet used in bread, cakes etc.). After a lot of thinking, he took the final decision to make the morobba. He purchased from gourds, papaya and pumpkins and started to make morobba. Day after day his project developed and he made a good profit. Mrs. Lutfa Begum did not have any own land and house. With the profit from the project he purchased 8 decimal of land and constructed a house there. Now, her youngest son Aziz is a student of class X and other one son and 2 daughters are helping their father in their small cottage
industry. Their lifestyle has developed a lot. Now, the morobbas are supplied to the local and urban bakeries in Barisal, Sriramkathi , Pirojepur and other towns. At this time, 5 labors work in Lutfa’s small cottage industry. Lutfa and her family members live in peace and happiness.
5. Successful Story of Mainuddin:
Md. Mainuddin alias Mainu (43), son of late Yusuf, Village: Punchrukhi, Upazila: Nandail, District: Mymensingh. He worked as a day laborer, rickshaw-pullers to change his fortune, but he could not have good days. He could not satisfy the basic need of his family members. Suddenly, he met Mr. Tarun Kumar Mondol, the Program Organizer of the Punchrukhi Branch Office of Annesha Foundation. Later on, he organized the Punchrukhi Male Samity and he himself became the member of the samity. Like other members of the samity, he also got the first loan of Taka 4000.00 in September, 2004. He rejected the profession of day labor and rickshaw-pullers and opened a grocery shop. Everyone of the area knew about the sufferings and pains of Mainu. So, most of them was inspired and enthusiastic to buy the groceries from Mainu’s shop. Wheel of his fortune started to change. The capital was not enough to buy enough groceries for his customers. So, he got the second loan of Taka 8000.00, the third loan of taka 13,000.00 and fourth loan of taka 20,000.00 respectively. Now, he
gets the loan from Annesha Foundation (AF) and do not borrow money at a high rate from the money lenders. Meeting the basic needs of his family members, he has built two shed house, purchased 10 decimal of land of worth one lakh taka (Taka 100, 000.00) and set up one sanitary toilet. His three sons have been enrolled in the local school. If anyone wants to know about his success, he tells them that if he could not know about Annesha Foundation, he had to pull the rickshaw with so much problem and pain to meet the basic needs of his family members. He tells that Annesha Foundation (AF) has enough capacity to motivate and inspire the poor and distress people of the society. Once, he became very frustrated but now he is very happy. Md. Mainuddin also tells that the people, who are living like his previous life and are not discouraged but acquire strength and get help and cooperation from an organization like Annesha Foundation (AF), will be successful in life like him.
(The information is collected by Sayed Sariful Islam, Branch Manager, Annesha Foundation (AF) Punchrukhi Branch, Nanadail, and Mymensingh.)
6. Successful Story of Begum:
Begum, wife of Baharuddion, lives with his husband and children in a fresh environment of a village in Bangladesh, which is surrounded by green fields and covered by shades of trees. Sorrow was her everyday companion. But she had a great speed in her daily life in spite of the adverse situation. She deiced to be a member of a samity and receive micro
credit loan. At last, she became a member of Rajanighnada Mohila Samity organized by Annehsa Foundation (AF) and got the first loan of Taka 5000.00. With this money he purchased 250 ducks, built a small shade adjacent to her house and built a small poultry farm. Day by day the small ducks became adult ducks and started to lay eggs. Selling the eggs she repaid the loan, meets the expenses of the household, met the expenses for the education for her children and saved some money.
Baharuddin, her husband was a burgadar (one tilling a piece of land on lease system.He produces jute, paddy vegetables etc. After meeting the needs of the family, he sells the remaining portion in the local markets and earns some money. When he does not have any job he pulls the rickshaw. Meanwhile, Begum has received the third loan of taka 9000.00 and purchased a male calf and have been rearing it according to scientific method.
Thus the Begum’s family was developing. At present, the market value of the cow is taka 70,000.00. Now, Begum’s family is self-supported. Now, she is the president of her samity and a model member. Following Begum’s way other women of her village has become the member of Rajanigandha Samity and taking part in the income generating activities and developed their families. Now the happiness is in Begum’s fist.
7. Successful Story of Shahnaz Begum
Shanaz Begum is the wife of Md. Shahdat Hossain of Village: Nandikathi, Upazila: Nalchiti, District: Jhalokati. Shahnaz Begum is a member of Gholap Mohila Samity organized by the Annesha Foundation. Her husband is a farmer. They have one son and two daughters. Her husband is the only earning member of the family. She became the member of the samity on 17th May 2006. They have one tin shed house and one kitchen. They participated in the MFTS program on 24th June,
2006. Shanaz received the first loan of Taka5, 000.00 on 24th June, second loan of taka 10,000.00 on 28th May and
third loan of Taka 10,000.00 on 27th May. Now she has saving of taka 5,000.00. She has received training on poultry keeping. She has invested taka 30,000.00 in her small poultry and mini-hatchery. After joining the program, her husband is supervising the work of the small poultry farm beside cultivation. Now her family has become self-supported. Their family income has been increased. They are using the increased and extra income for developing the project and their family need. They have purchased some land. The educational expenses for their children have been increased. The number of chickens and ducks has been increased. The rate of taking loan has been decreased. The supply of pure water and facilities of sanitation has been developed. Their social status has been developed. They have a future plan to have electricity supply, an advanced dairy farm and advanced. model breeder farm.
(This successful story is collected by Bazlur Rahman, Branch Manager of Nolchiti Branch of Annesha Foundation.)
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