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PAHAL
(Since 1988)
 
Institute of Community Empowerment & Micro Finance
Registered Under Society Reg. Act 1860 & 12 A & 80 G under Income Tax Act
ANNUAL REPORT-2008-2009
Member :
Microfinance Platform Planet Finance, FranceMicro-credit Campaign, USA
Sa-dhan- New DelhiCredibility Allience Mumbai
-:Managed by :-
PAHAL
Institution Gola Barrage Road Kathgodam, Nainital, Uttarakhand, INDIA
igy igy igy igy la LFkk xkSyk cSjkt jksM dkBxksnke] uSuhrky& Qksu &05946 266209@216  la LFkk xkSyk cSjkt jksM dkBxksnke] uSuhrky& Qksu &05946 266209@216 la LFkk xkSyk cSjkt jksM dkBxksnke] uSuhrky& Qksu &05946 266209@216  la LFkk xkSyk cSjkt jksM dkBxksnke] uSuhrky& Qksu &05946 266209@216
Email-naipahal@yahoo.co.uk
 
 
PAHAL Executive Director Mr. Islam Hussainwith Nobel Prize Laureate Prof. MohammadYunus in a Micro Finance Conference in NewDelhi in March 09
 
Net work
 
 
PAHAL
(Since 1988)
Registered 12 A & 80 G under Income Tax Act
 
Member: Sa-dhan , Credibility Alliance
 
Microfinance Platform Planet Finance, France & Micro-credit Campaign, USA
Annual Report 2009
 
AHAL
is a voluntary Non GovernmentOrganization working in the field of social welfare, Rural & Slum area SustainableDevelopment, Environment Protection with thetool of Self Reliance, Micro Saving, Micro-Financing, Capacity Building of needy people,especially women, awareness programs co-operation & co-ordination. We are w
orking in
125
Villages and slum areas of Four Districts of Uttarakhand & one Districts of UP State reachingmore than
12000
families. This year we aretargeting the community with consolidatedapproaches for the holistic development. Also theorganization has been restructured and allcommunity services from now onwards will beundertaken under the
aegis of P
 
AHAL- InstituteFor Community Empowerment & MicroFinance & we will offer our services to
 community under following heads-1.Pahal Community Livelihood support Services1.
 
Pahal Community Micro Finance Services2.
 
Pahal Community Health Support Services3.
 
Pahal Community Education Support Services4.
 
Pahal Community Capacity Building Services
Two another services will commence next phasefor community transport & marketing of SHGsfarms & non farm produce.
PAHAL has carried out following work in 2009
PAHAL Community Micro Finance
SHGFormation
PAHAL has Promoted
525
 Self Help Groups & JLGCredit linked325so far in following areas1.
 
Haldwani -Kathgodam semi urban & rural
Community Meeting in Haldwani Bock
2.
 
Bhimtal & Jeolikote Rural & semi Urban3.
 
Kotabagh Rural4.
 
Jaspur semi urban5.
 
Purala & Naogaon Block (Uttarkashi)6.
 
Rampur (slum area)About Rs.400 lakh ((1000000 $)) has been mobilized assaving, internal landing, and bank credit. These groupsare being used for social Mobilization also.
 
PAHAL Community Micro FinanceServices
We are providing Microfinance to SHGs & JLGs
under the
aegis of 
 
 
"PAHAL Community Microfinance Services".
Till date a total of 100 lakhmicro credit have been disbursed to the 1200
 
 
 Restaurant in Haldwani Slum supported by PAHALCommunity Micro finance Services
Members with the support of SIDBI, Nainital Bank,ICICI Bank, NMDFC & UMFI.
 A women tailor in Haldwani Rural area supported byPAHAL Community Micro finance Services
Micro Insurance
 
Pahal is facilitating micro insurance product of wellestablished & reputed Insurance company like LIC of India, ICICI Prudential Life Insurance Company &Birla Sunlife Insurance Company to our clients forsecuring their life against any unprecedentedcircumstances.
Livelihood support Services
We have observed that a majority of our clients arefacing acute livelihood problems & not coming outpoverty due to their uncertain income & vulnerability.To overcome this problem we are implementinglivelihood initiatives in these areas. We have identifiedthe following activities for livelihood:a.
 
Shopping Bags/Envelope makingb.
 
Candle makingc.
 
Embroidery work d.
 
Crochet work e.
 
Sweater weavingf.
 
Vegetable dehydrationg.
 
Dairy & Poultryh.
 
Stone Craftsi.
 
Wooden crafts j.
 
Kids garmentsWe have developed new design shopping Bags usingnews paper for carrying variety of goods with carryingcapacity of more than 2 Kg. We are constantlyproviding Paper Bag training to interested SHGsmembers to start production.
Women SHG members are under training for making paperShopping Bags by PAHAL Trainer in Bhimtal Block
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