Annual Report 07-08 of BEES Edited by Anirudha Alam

Acronyms
ABCN Area Based Community Nutrition IDA International Development

ADR Alternative Dispute Resolution Agency
AIDS Acquired Immune Deficiency IDC Information and Development
Syndrome Communication
AM Area Manager MATS Medical Assistance Technology
School
ANC Antenatal Care MCH-FP Maternal and Child Health-
ARI Acute Respiratory Infection Family Planning
ATTP Agricultural Technology ME Micro Enterprise
Transfer Project MFMSF Micro Finance for Marginal and
Small Farmers
BARC Bangladesh Agriculture
MFTS Micro Finance and Technical
Research Council Support
BCC Behavioral Change and MMR Maternal Mortality Rate
Communication MO Medical Officer
BEES Bangladesh Extension MOPME Ministry of Primary and Mass
Education
Education Services NEARS Network for Ensuring
BKB Bangladesh Krishi Bank Adolescent Reproductive Right
BMI Body Mass Index and Services
BNFB Bureau of Non-Formal NGO Non-Government Organization
NID National Immunization Day
Education
NNP National Nutrition Programme
BP Blood Pressure ODA Official DevelopmentAssistance
BPHC Bangladesh Population and OSD Occupational Skills
Health Consortium Development
BRDB Bogra Rural Development PAP Poverty Alleviation Program
PKSF Palli Karma Sahayak
Project Foundation
CAR Contraceptive Acceptance Rate PLCEHD Post Literacy and Continuing
CBD Community Based Distribution Education for
CBHP Community Based Health Human Development
PNC Postnatal Care
Project
PS Program Supervisor
CC Clinical Contraceptive RDP Rural Development Program
CDD Control of Diarrhoeal Disease REM R esearch, Evaluation and
CE Continuing Education Monitoring
CIDA Canadian International RLF Revolving Loan Fund
RMC Rural Micro Credit
Development Agency ROSC Reaching Out of School
CNC Community Nutrition Centre Children
CNO Community Nutrition RPF Rural Production Farm
Organizer RTI Reproductive Tract Infection
SAP Social Assistance Program
CNP Community Nutrition Promoter
SDF Social Development Foundation
CRWRC Christian Reformed World SIPP Social Investment Program
Relief Committee Project
DAE Department of Agricultural SM Social Mobilizer
Extension SRLP Socio-economic Rehabilitation
Loan Project
DFID Department for International STD Sexually Transmitted Disease
Development TB Tuberclosis
DMF Diploma in Medical Faculty TBA Trained Birth Attendant
EPI Expanded Program for TOT Training of Trainer
TT Tetanus Toxoid
Immunization
UM Unit Manager
ERP Education Resource Provider UP Union Parishad
ESP Education Service Provider UPP Ultra Poor Program
FO Field Organizer UMC Urban Micro Credit
FSP Financial Services for the UN United Nations
VDC Village Development
Poorest Committee
GOB Government of Bangladesh VG Vulnerable Group
GMP Growth Monitoring and WATSAN Water and Sanitation
Promotion WGM Weight and Growth Monitoring
WI Winrock International
HIV Human Immune Deficiency Virus
WUSC World University Services of
HNPSP Health, Nutrition and Canada
Population Sector Program IEC Information, Education and
HPSP Health and Population Sector Communication
Program IFR Infant Mortality Rate
HRD Human Resource Development IGA Income Generating Activities
HSA Health Service Activities IUD Intra Uterine Device
Note of the
Executive
Director
Through a development lens, scaling up life skill in dealing with challenges is the
prime precondition of self-sustaining livelihood. In view of that, BEES set about in
1975 as a project of Christian Reformed World Relief Committee with a dynamic
spirit to protect the disadvantaged and poor community people from undesired
destitution as a whole. Since then, we have been going the miles for unlocking the
value of neglected human resources. Being well-equipped with timely and demand
driven approaches, BEES has been fueling progress in improving the livelihoods of
more than 45 lac disadvantaged people in 31 districts of Bangladesh. Nowadays in
its thirty third year of existence, it has been translated into a thriving gateway to
sustainable development.
With a long term presence at community level, BEES' programs tailored to specific
development needs is being fine-tuned for producing optimum social benefits. Over
the reporting period of July 2007-June 2008, BEES was successful on a great scale
to ameliorate the sufferings of the needy people through a concerted and
coordinated action by themselves. We walked away with desired attainment
through trial and error a period of learning and developing alternative user-friendly
means acceptable to the target audiences. Though BEES encountered a range of
predicaments including staff dropout and some fund constraint situations
achievement of this year reached up to a satisfactory level as per the outright plan.
Presently, BEES well-managed and well-resourced is sailing ahead constantly to

make commitment and endeavors tied to specific targets for reducing development
disparities. It is grappling with challenges to navigate prosperity and catalyzing
efforts towards establishing strong and equitable society consecutively. In the
reporting year, collaboration with the stakeholders especially the community
people was a driving force behind its mission that they became aware of enjoying
their rights to health, education, equity and protection in true sense. The aftermath
Developing put the concerted effort on track to reach key goal by the target date coping with
livelihood recurring and unceasing hindrances.
through BEES has been marshaling the awareness over the years that there is no effective
gearing development unless it is sustainable. Sustainable development is a paradigm that
desire includes integrated approaches to poverty reduction by building long-lasting
human capacities at all levels of community. Shouldering this philosophy to fight
changes back poverty collectively, BEES is advancing ahead to motivate and organize the
towards target beneficiaries towards broad-based participation. Thus the wider section of
the underprivileged community of rural and urban areas, i.e., marginal farmer,
sustainable landless people and poor women are being geared for formulating development
future solustions through well-coordinated local resource mobilization.
07 BEES REPORT 07-08

BEES is very much aware of empowering women resources through its towering performance for doubling the
development of the nation. As an effective engine of reaching the unreached, thus we are contributing to halving
the proportion of people in poverty by 2015. It is an essential fact that poverty and its net of deprivation lie at
the heart of the social issues like vulnerability to ignorance, illiteracy, ill heath, malnutrition and so on. BEES
identifies the bottlenecks of development at community level under the stewardship of local resource
mobilization. It has been mapping out means and ways into its core plan for tapping potential of local resources.
Every development program should be committed thoroughly to work with and for the poor that they are made
alleviate their poverty by way of achieving a higher degree of self-reliance. Mulling this pivotal point over, BEES
fosters its intense philanthropic beliefs and principles into its core strategies that the neglected, unskilled and
deprived people have available access to financial and social assistance. Their inner beings are being stimulated
through promotional activities phenomenally successful such as training, orientation, courtyard meeting,
community convention, workshop, exchange visit and the list goes on. Paving the way to strengthen community
ties, thus their life skill is being developed catering to them. To bridge the gap between aspiration and action
for turning the target towards reality, BEES is syndicating the people into cooperative groups.
Ensuring planned services properly, we successfully helped the beneficiaries increase their income by
providing necessary knowledge, technical know-how and much needed credit during the reporting period. The
Microfinance Program and the Micro-enterprise Development initiative were continued to help accelerated
employment and income generation. Health and nutrition activities with racing start covered a tremendous
achievement addressing the health and nutritional status especially of women and children. The activities
implemented and lessons learned during the session have prepared the platform for the next few years of
successful operations and expansion of activities.
Since its inception, BEES is centering upon a participatory and an ever-growing social praxis for making the
target group identify, analyze and invest realistic solutions to their own problems through series of services
under the programs of capacity building, easy microfinance, credit plus services through Seba Package, water
& sanitation, quality education, legal aids, reproductive health literacy, protecting environment, building
market linkages, advocacy, network building, inclusive interpersonal communication and so on. Linking
poverty reduction with employment generation, its multi-pronged effort is promoting programs related to
agriculture & social forestry, poultry & live-stock, women empowerment, group development support, crop
storage, maintaining disaster resource fund and so forth. In this way, the BEES is sharing with the community
people for steering their own development.
Placing a blueprint for the most far-reaching livelihood development activities for neglected people, BEES is
fervently supplementing the Millennium Development Goals (MDGs). It is always in position for mounting
vehement attack on poverty counting on collective action engendered from intensive social mobilization. BEES
raises a clarion call to its target groups for being organized under its development umbrella forming
homogenous groups. Thus it is facilitating pragmatic changes through out disadvantaged community
contributing to their financial and social emancipation comprehensively. In the course of implementing
different development programs over the period of July 2007 to June 2008, we are certainly satisfied that a
markable number of the disadvantaged people became successful to translate their vicious circle of poverty
into the virtuous circle of prosperity.
In moving the pro-poor development programs ahead, the BEES has been showered with mammoth blessings
from the Almighty. The devotion, intensive interest and perseverance of all members of BEES-family for
carrying out the programs and projects successfully over the last year were the pivotal source of the desired
achievement highlighting its goal and objectives. Our development partners and other stakeholders were
being helpful wholeheartedly providing necessary financial, ethical and timely backing to our core operation.
I am determinedly grateful to our esteemed donors for whom it has been possible to initiate the programs
and projects at field level lucratively shaping well being of the target groups. Alongside, we are very much
thankful to the Policy Formulating Body of BEES who contributed with mission to forward our adventurous
and challenging endeavors towards the sustainable achievement. Simultaneously, I would like to thank them
who have worked sincerely and diligently in the several stages to bring documentary report into light.
In the end, I am hoping this initiative to publish the report on the overall achievement will be of enormous
interest to the distinguished readers to be known of BEES' community based interventions as well as will be
extolled by them as a whole.
Saiful Islam Robin

Executive Summary
Sharing through collective action
Daring to win the war on poverty
Emerging in 1975 as a project of Christian Reformed World Relief Committee, BEES has been performing with
a great commitment to beat off bitter poverty making the disadvantaged people knit their livelihood
development. But there are no magic bullets to provide quick solution to the complex challenge i.e. winning
the war on poverty. So, BEES is devotedly striving to yield opportunity for the poor, illiterate, neglected,
unskilled and destitute people, especially the women of the society, for scaling up their life skill all along. It
is assembling different visions towards poverty alleviation steering mission for sustainable development
through their empowerment, self-reliance and improvement of lifestyle. At present, BEES is a successful,
prosperous and wide-reaching development organization supplementing to fulfilling Millennium Development
Goals (MDGs). It has been executing different programs and projects over 33 years for socio-economic uplift
of the greater majority of the rural and urban poor people letting them to gain the firmer footing on to the
road to self reliance. BEES is very much strong-minded to establish a just society in which men and women
can work together to form an institution to attain a higher degree of self-reliance in managing their own
affairs as well as to achieve a higher and sustainable standard of living.
BEES has been unlocking the value of neglected human resources through its growing diversified
development activities and stimulating their knowledge for dealing with social challenges. Participatory
dynamics and empowerment strengthens the capacity of the disadvantaged people to take charge of their
own development at the group and community level. BEES works to bring them under the same umbrella of
development and form homogenous groups to facilitate social pragmatic change through social and economic
emancipation. Any kind of destitute, displaced and deprived people are by and large the target group of BEES.
Coping with the time as well as in response to the existing problem, needs and demand, BEES has to make
changes in the criteria of selecting target group. The objectives and goals set for initiating new programs and
projects to cater to the need of the beneficiaries covering wide range of population under its development
fold often make BEES bring about changes in the criteria of target group.

All BEES' development activities well-equipped with timely policy, strategy and holistic approaches are to
address closely linked issues of reducing susceptibility to illiteracy, ignorance, ill health, malnutrition and
overall impoverishment for sustainable future of destitute people. Its development initiatives spread to 3,400
villages of 84 upazilas in 31 districts of Bangladesh. Now it is mapping out plan to enhance its development
efforts to new areas for shaping golden tomorrow in favor of neglected people. Having concrete efforts
towards the target of community empowerment in true sense, BEES has been carrying out a wide range of
diversified programs with special emphasis to Micro-finance, Agriculture and Social Forestry, Health and
Nutrition, HIV/AIDS Prevention and Education. A number of support as well as special programs undertaken
are contributing to achieving the objectives of the main programs.
Easy finance comprising savings, favorable access to credit and insurance facilities encourages the poor to
invest money in productive activities. Consequently, they get enough confidence to manage their risks better,
build their assets gradually, develop their own micro-enterprises, enhance their income earning capacity and
ultimately enjoy an improved quality of life. Keeping this key point in mind, the Micro-finance Program of
BEES helped to promote economic growth and development by creating a self-sustaining credit service among
the poor and hardcore poor over the reporting period. BEES provided three types of products and services to
its group members under the Microfinance Program:
i) Credit, ii) Savings, iii) Credit Plus Services through Seba Package
i. Credit
BEES provided credit to its group members to initiate different income generating activities. Credit operations
were carried out through a Revolving Loan Fund (RLF) in a systematic process. It provided credit to its
beneficiaries through such subprograms under Microfinance Program as Rural Micro Credit (RMC),
Microfinance and Technical Support, Ultra Poor, Financial Services for the Poorest (FSP), Microfinance for
Marginal and Small Farmers, Urban Micro-Credit (UMC), Micro- Enterprise.
ii. Savings
Savings opportunities with BEES provided members with fund for consumption, children's education,
improved nutritional status and other investment. Income from savings generated greater capacity for self-
investment, and enhanced the ability to face external shocks by the group members. It also provided security
for old age and served as a contingency fund during natural disasters when income level fluctuated.
iii. Seba Package

With a view to ensuring sustainable future through integrated empowerment, BEES incorporated Seba
Package in its credit activities to make the microfinance program more rich, creative and effective. BEES
provides Credit Plus Services entitled Seba Package to the target groups so that they can move to a higher
degree of self-reliance with a sustainable growth. BEES believes that parallel to financial support, people
need to widen their periphery of knowledge, skill and fulfill social requirements in a pragmatic manner.
Therefore, BEES arranged Seba Package to link credit facility with the following essential services to
address these issues:
X Insurance
X General and Reproductive Health Services
X Agricultural Support Services
X Funeral Cost
X Pre-school
X Incentive for Pregnant Mothers (having maximum two children)
X Training.
During the reporting year 2007-08, a total of 1,03,535 members consisting of 5,839 groups received support
from BEES through microfinance program. BEES disbursed a total of Tk. 853.46 million among the
beneficiaries through different components considering various types of IGAs and the cumulative
disbursement was Tk.3902.31 million. By the end of the reporting year Tk. 465.12 million was found as
outstanding money and the recovery rate was over 98%, reveals a better performance.
If we cultivate properly we may multiply our prosperity certainly though harvesting golden tomorrow. Under
Agriculture and Social Forestry Program, BEES is implementing a range of agriculture oriented programs and
activites. Over the reporting period 2007-08, it distributed summer vegetable seeds among 1,12,902
beneficiaries against the target of 1,16,200 and winter vegetable seeds among 95,000 beneficiaries against
the target of 1,02,050 during the reference year. BEES trained its beneficiaries about some agro-based
improved technologies during the year. A total of 265 demonstration plots were set up in 265 farmers' field.

BEES distributed 98,200 different types of fruit trees, 29,330 timber plants and 10,425 medicinal plants
among its beneficiaries for plantation throughout the year.
Under BEES' poultry and livestock program, disadvantaged and enterprising people are receiving different
financial and technical assistance to be self-reliant. It provided a number of services to its beneficiary
members, like training on poultry and livestock rearing and management and on other technical aspects
as per requirements, ensured credit facility as well as vaccination facility to run the program in an
effective manner.
Education lights up life through making the right a reality. It provides far-sighted view to us bringing about
pragmatic change in knowledge. So realizing the importance of education, BEES is implementing different
education programs over the years. During the reporting period 2007-08, BEES operated Post Literacy and
Continuing Education for Human Development (PLCEHD-1) and Reaching out of School Children (ROSC)
under its education program. Under PLCEHD-1 project, the number of centers was 30 and the total number
of learners was 1,800. ROSC program was operated with the age of 7 to 14 years old learners enrolling 25
to 35 students per class. BEES established 12 schools and it also formulated 12 school management
committees. Under Pre-Primary Education as Early Child Development Program, BEES operated 3 centers with
its own technical & financial resources at Sreepur of Gazipur district during the reporting period.
BEES makes it possible for more than 45 lac poor people to enjoy their right to general health care, nutrition,
food security, water and sanitation in a sustainable way within their communities. It has been conducting
various health related activities at field level. It has been continuing the activity of Community Based Health
Project in Adamdighi and Dhunot upazila of Bogra District since January 2005 by its own fund. A total number
of 78 satellite clinic sessions were organized in the project area. Through satellite clinic clients received
general treatment, medicine with low price. About 78% pregnant women received the Antenatal Care
Services during the year. They received the services on safe delivery, ANC checkup, awareness building about
child care after birth and breast feeding, and receiving Iron and Folic Acid tablet. During the reporting period,
more than 98% children received all required vaccine and vitamin-A for immunization, 100% pregnant
women and 75% other women of 15 to 49 years old received TT.
Banking on vision towards nutrition for all, BEES has been conducting community based nutrition programs
with the mission towards sustainable development. During the reporting year 2007-08, BEES provided the
core Area Based Community Nutrition (ABCN) services in 6 upazillas (Tungipara, Gopalgonj Sadar,
Muksudpur, Bhanga, Sadarpur and Madaripur Sadar) under 3 districts (Gopalgonj, Faridpur and Madaripur)
through area package # 10 of the National Nutrition Program. BEES has been implementing the activities in
those areas from December 2003. BEES has commenced to implement another package # 13 of NNP from
May'08 in 4 upazilas (Fatikchhari, Hathazari, Anwara and Bashkhali) of Chittagong district. The main activites
were mostly related to birth weight measurement and growth monitoring of children less than 2 years,
promoting exclusive breastfeeding, weight monitoring of pregnant women, ANC, care to lactating women &
micronutrient supplementation, providing assistance for pregnancy weight gain and pattern of delivery
assistance, reducing maternal and infant mortality rate, behavior change communication (BCC) forums, use
of safe drinking water, iodized salt and sanitary latrine and so on.
Fostering its development principles into its own policies, BEES has undertaken a number of initiatives in the
name of special program to promote and protect human rights at community level. BEES as a participating
organization has implemented the Social Assistance Program (SAP), phase-II and III, a sub-component of
'Social Investment Program Project (SIPP)' in collaboration with Social Development Foundation (SDF) for the
hard core poor and vulnerable group members in 264 drought and disaster prone villages of Gaibandha Sadar,
Sundarganj and Sadullapur upazilas under Gaibandha district during the reporting year. Over this year, social
mobilization, advocacy program especially on health, education and dowry related issues, legal aid services,
institution building in village level, occupational skill development training and employment assistance and
capacity building in the community were the major activities of the program.
Unlocking the value of neglected human resources is one of the main preconditions of sustainable development.
Training is an inbuilt activity within the programmatic aspect of BEES that social and human capital generation
is brought about in a pragmatic way. Under the training program BEES provided two types of training which were
Human Resources Development (HRD) training and Occupational Skills Development (OSD) training during the
reporting year. A total of 41,794 trainees received training against the annual target of 50,000. Training courses
were organized on different topics like credit and savings management, cow and goat rearing, chick and duck
rearing, beef fattening, parent breeder, mini hatchery, broiler and layer rearing, mushroom cultivation, crop
production, nursery production, fish production, human and leadership development, community operational
manual, tailoring, tissue cultured banana production, social mobilization, Development communication,
advocacy, interpersonal communication behavior change communication, accounts management, monitoring

and supervision, kitchen/homestead gardening, office and personnel management, annual planning and
budgeting, refresher's training for CNP,CNO, FS, WGM, member selection and group formation, BDS/MDA
services, agro-technology etc. for the target beneficiaries and staff of different programs.
Communication for development is not the simple transmission of information nor the teaching of skills, but
the search for a common ground, where people can agree on how to attain a decent standard of living. BEES'
Information & Development Communication activities are contributing to sustainable human development
(SHD) comprehensively through raising awareness, bolstering life skill, providing technical know-how,
developing livelihood, building vision, advising on policies and so on being associated with the core programs.
During the reporting period, IDC Cell edited and published Annual Report 2006-07; published Desk Calendar
2008 containing month planner, exclusive messages and photos highlighting its projects and programs, Wall
Calendar 2008 containing exclusive photos and highlighting the program/project activities, New Year
Greetings Card, Impact Assessment Study report of Financial Services for the Poorest; developed website and
power point presentations titled 'BEES at a Glance', 'An Introduction to Development Communication',
'Musing on Leadership' and 'Counting on Collective Action'; organized intensive network through building
consortium involving more than 20 development organizations with a view to establishing promising
partnership for submitting development programs; contributed to desingn 4 project/programs; conducted
and facilitated different trainings and workshops as per programmatic need and so on.
Making programs guided for taking target towards sustainable attainment, Research, Evaluation &
Monitoring (REM) cell is working competently providing necessary findings, guidance, feedback etc. in
time. REM cell conducted several activities with an efficient streamlined management during the reference
year. The main activities were mostly related to preparing the organizational annual progress report of
2006-2007, conducting impact analysis on Social Investment Program Project (SIPP-II), executing case
studies and so on.
Under the stewardship of gender awareness, women empowerment is the promising platform to establish a
right-based and equitable society. BEES established the Gender and Rights cell in 2006. During the reporting
period, the Gender & Rights cell organized a 3-day workshop on 'Gender Analysis and Planning' for its senior
level staff. The cell finalized the gender policy incorporating the suggestions and comments. The gender policy
was also translated into Bangla for intensive sharing and dissemination. Gender and Rights cell developed a
handbook on gender to raise basic and common understanding on gender related issues as well. As a regular
activity, the cell facilitated different sessions on gender sensitivity for the newly recruited staff generally for
Field Organizers and Unit Managers during the reference year.
BEES established on the strength of a long and successful history has been making positive impact through
its development interventions at community level to improve the lifestyle of the disadvantaged people. As
part of its commitment, BEES is pioneering behavior change communication and social mobilization in the
very participatory way taking a twin-track approach - empowering women to double the development and
making the poor alleviate their poverty. It learnt the lesson over the reporting period that an array of
concerted approaches is necessary - involving both the application of all the existing knowledge, tools and
resources that are available and intensive interpersonal communication to help discover new knowledge and
tools and to learn how to apply them in different development contexts and settings. By way of integrating
all core programs, approach and methods to expand the scope of social pragmatic change, nowadays BEES
has been translated into a unique example of gateway to human resource development.

Organization Profile
BEES (Bangladesh Extension Education Services) has been experiencing from the date of its emergence - knitting
changes for progress and prosperity towards human resource development is the very practical and overarching
way for easing vulnerability to chronic hunger and deep-seated impoverishment. The tragic reality is that poverty
is a life-threatening fact for most of the people in our country. They dwelling in very distressed condition both in
rural and urban areas have not minimal access to opportunity for developing life skill to cope with their poverty.
Unlocking this poverty trap is the key for pro-poor economic growth. Bearing at the very heart of the development
goals, BEES is arraying staple prosperities widely to expand the scope of development all along.
With special emphasis on community driven activities for sustainable development in a number of innovative ways,
BEES set off in 1975 as an integrated development initiative entitled Rural Development Program (RDP) in Bogra
District. It has been implementing Poverty Alleviation Program (PAP) since 1997 well-equipped with 3 key pillars
of its development approach, such as - enhancing the scope of social mobilization, community empowerment and
effecting long-term change. With the passage of time, different development initiatives have been taken by BEES
one after another for serving the illiterate, destitute, deprived and indigent people over the years.
BEES' experiences over the years have shown that poor people and their institutions are assets and potential partners
in the search for sustainable solution to development challenges. With enough access to information & knowledge,
appropriate capacity and financial support, poor people can effectively organize in order to identify community priorities
and address existing problems. Thus, they are geared up to make stride in livelihood development. Therefore, BEES'
effort is to promote income or employment generation through life skill development for the target beneficiaries. In view
of this, counting on collective action it is conducting different programs and projects like micro enterprise lending
assistance, micro finance, poultry & livestock, agriculture & social forestry, education and so on. Bringing the
disadvantaged people of rural and urban areas under the same umbrella, BEES works to form homogeneous groups
to facilitate a sustainable change within the society through social and economic emancipation. For changing the
behavior, attitude and practice as well as improving knowledge and awareness among the target groups, BEES is
initiating inclusive promotional activities comprising training, behavior change communication, interpersonal
communication, advocacy, networking and comprehensive social mobilization constantly in the basis of need.
The broadest and most encompassing view of BEES' Poverty Alleviation Program (PAP) includes the social safety
net that shapes widespread support towards participatory development. It is building the bridge across many a
development activities like health care services, human resource development, income generating activities,
livelihood development and so forth. Awareness programs on human rights, legal support, good governance,
gender equality, women empowerment etc. have been linked up to the program implementation to make the efforts
significant, potential and well-groomed.
Community mobilization is very much important to organize and improve community participation. It is the first
building block in bringing about participatory development. BEES motivates all community members that they are
provided with the opportunity to utilize a range of skills and abilities, which improves ownership and increases
potentials among them. Keeping pace with time and existing problems, it has been ensuring its development
services through demand driven approaches for making them take the lead in development process. Thus, BEES
gives community the opportunity to analyze and discus their local situation in systematic fashion, identify
community needs and implement action plans. Its participatory planning processes help build and strengthen the
community social capital. The methods, tools and techniques needed for community participation are not new, and
includes participatory rural appraisal (PRA) like village mapping, venn diagramming, focus group discussion (FGD)
and the list goes on. This development process generally embodies such steps as diagnosis; identification of
priorities; problem and solution analysis; elaboration of action plans; ensuring fuller participation of vulnerable
groups; bolstering community organizations; and strengthening community based accountability.
With a vision to win the war on poverty as a whole, its pro-poor programs are designed properly to cater to the
beneficiaries covering the wide range of population in light of the Millennium Development Goals. Its target groups
are well-defined by the policies and strategies of each individual project committed to self-sustained development.
For instance, community people especially women of 15-49 years, children and adolescents are the direct
beneficiaries of health, MCH-FP, nutrition and education programs. In addition, men and women of 18-45 years who
have no access to get loan from commercial banks or other financial institutions are offered to accept facilities from
micro-credit program of BEES. The definition of the target groups has been mentioned categorically under each
program presentation in this report.

Programs of BEES
BEES is the such organization dedicated exclusively to reducing any kind of poverty at community level. It
aims in improving the understanding of community driven development approaches and their role in
poverty reduction. Having social and moral imperative to help poor respond to their existing challenges in
an effective way, it has been implementing a wide range of diversified programs for empowering the
disadvantaged communities. BEES placed human resource development at the centre of the development
agenda over the reporting period 2007-08 through orchestrating the development activities mostly related
to Microfinance, Agriculture & Social Forestry, Health, Nutrition, Food Security, Quality Education and so on.
Organizational Structure 2007-2008

2.0 Social Development Program
Since the inception in 1975, BEES has been conducting Social Development Program (SDP) entitled Bogra
Rural Development Program (BRDP) banking on holistic participatory approaches for making poor alleviate
their poverty. Organizing the neglected people of Bogra District into cooperative groups, the goal of the
program was to step up life skill of deprived people to identify, analyze and devise creative solutions to their
own problems. Consequently, the target groups have been able to journey towards their dreams with
confidence and dignity for achieving self-reliance and bring about sustainable changes in their lives. Social
Development means investing among Community people in a meaningful way. Through the Social
Development Program, BEES has been striving to better the life style of the disadvantaged people that they
can reach their full potential.
Capitalizing on the unique and significant strategy like Group Approach, Social Development Program
ensures contributory and active involvement from each of the stakeholder groups, promotes social equity
and bolster a base of education for the community people towards establishing a thinking society. In the
course of implementing this program, BEES created means and ways that the target groups can gain a
greater degree of success in realizing their needs, basic rights and potential to come out with innovative
ideas to survive in the society. Making its members get together into groups guided by the forward-
looking participatory approach, BEES has been providing a service package comprising awareness raising,
human resource development, and livelihood &
life-skill development through provisions of
credits, technical services, inputs and marketing
facilities. Under Social Development Program,
following flagship programs and activities are
being implemented:
X Micro-Finance
X Agriculture and Social Forestry
X Poultry and Livestock
X Education
2.1 Micro-finance Program

Poverty a chronic deprivation of resources,
capabilities, power, choices and security is very
common phenomena in our country. It is always
plaguing our development potentials with ruthless
hunger, unemployment and different social
discriminations. Under this grave and drastic
condition, poor are being deprived of access to basic
rights, productive resources like land, credit and so
on. They are excluded from the formal baking
services related to borrowing money, saving and
investing in productive activities. Thinking over this
vulnerable situation as a whole, the micro-credit
program of BEES is contributing to reducing poverty
through initiating human resource development,
income generating and other promotional activities
in true sense. Presently, this program has been able
strikingly to make the underprivileged people have
necessary access to credit for their livelihood
development in its intervention areas. As a result,
thousands of poor men and women are achieving
self reliance to bring about positive changes in their
lives every year. Receiving credit at a reasonable
rate, they are getting involved in different income
generating activities and thus turning their lives
towards financial and social empowerment.
Starting micro finance activities way back in 1979

through agreement with Bangladesh Krishi Bank
(BKB), BEES strengthened its Rural Development Program to mount effective attack on poverty counting
on collective action at community level. At present, BEES is receiving major fund from PKSF and
conducting Micro-credit program in 30 districts of Bangladesh. It is also providing the training and other
logistic support depending on the requirements of the program/projects. Under the Microfinance Program,
the other interventions cover the services related to micro-enterprise development, education, institution
building, legal rights; health, MCH-FP, nutrition, environment, sanitation, disaster preparedness; women
employment generation and human resource development i.e., training. The target groups of BEES
Microfinance Program are landless poor people focusing in women, people who own <0.5 acre of land,
people who earn their living by selling manual labor, the ultra poor who live below the poverty line and
members between 18-45 years of old.
Goal
Ensuring socio-economic up liftmen and empowering the disadvantaged people especially women through
microfinance.
Objectives
To reduce poverty, create self employment, establish equity between male & female, insure fundamental human
rights for poor, ensure sustainable development, promote livelihood development, and improve life skills.,
Components of Microfinance Program

BEES has been providing credit, savings and credit
plus services entitled Sheba Package to its target
groups through its Microfinance Program.
i) Credit
BEES offers credit to its group members to take
different income generating activities. Having
savings with BEES in one of the main preconditions
to be eligible for getting loans. Credit operations
are carried out through a Revolving Loan Fund
(RLF). This RLF consists of PKSF, bank loan,
members' savings, and BEES's own fund. A 1%
Loan Loss Reserve is kept to cover the risk of bad
debts. Loan utilization ability, savings deposit
habits, repayment of loan, financial development
and presence in the group meetings regularly allow
the borrowers to take higher loans. A Unit Office is
supposed to become self-sustaining the credit
operations. Under Microcredit Program BEES has
disbursed total Tk.390 crore and recovered Tk. 225
crore up to June, 2008.
Key Features of Loans

X Loan range Tk. 4,000-3,00,000 (US $ 57-
4286)
X Interest rate 12.5% flat (Ultra Poor 9.2%)
X Loan recovery rate 99%
X Repayment mechanism: Equal weekly
installments (45 weeks)
excepting Seasonal Loan
Loan products
Rural micro-credit, urban micro-credit, micro-
finance & technical support program, ultra poor
program, financial support for the poorest , micro-
finance for marginal & small farmers program,
seasonal loan, and micro-enterprise development
program loan, etc. Key components and products
of microfinance program are given bellow:
a) Rural Micro-credit (RMC)
Rural Micro credit is one of the major interventions of BEES. Presently Micro credit program of BEES is on
going in 28 districts covering 140 upazilas throw 90 unit offices. Under this program, a total of Tk. 188 crore
has been disbursed as loan and about Tk. 167 crore has been realized. The recovery rate was 99%.
b) Micro Finance and Technical Support (MFTS)

Apart from micro credit facilities, BEES provided necessary technical support to its group members. PKSF is
giving financial support of this program. The members received the training on modern agricultural
techniques, livestock and poultry development through this program to enhance their skill. Presently this
activity is running in three districts. Under this program, a total of Tk. 36.59 crore has been disbursed as
loan, and about Tk. 32.52 crore has been realized. The recovery rate was 99%.
c) Ultra Poor Program (UPP)

Micro-credit programs of BEES covered 25 million people through 5.0 million households. But many ultra poor
are still out of coverage of this program. Neither the government, nor the NGOs' micro-credit programs
became able to extend the services towards them satisfactorily. BEES has kept the step to assist those people
for getting access in micro-credit services. The poor who have no land or house of their own, have to live
hand to mouth and are far away from mitigating the basic needs remaining out of the reach of credit support
and savings behavior - are covered under the initiative. BEES has presently undertaken to assist the ultra
poor to take following income generating activities:
X Cottage industry based on indigenous materials, e.g., bamboo or bamboo cane, hogla, cane, mat etc.;
X Livestock and poultry rearing;
X Tailoring;
X Nursery development project;
X Vegetable cultivation & seed production;
X Small shops to sell retail products;
X By-cycle and rickshaw repairing shop;
X Other feasible activities as and when required.
Moreover, BEES has been providing credit to the ultra poor with motivation and skills development training
so that they can become self-employed on a sustainable basis. A total of 450 beneficiaries received training

on beef fattening, goat rearing, poultry & duck rearing, cow rearing and tailoring during the reference year.
Under this program, a total of Tk. 39.11 crore has been disbursed as loan and about Tk. 32.86 crore has been
realized. The recovery rate was 100%.
d) Financial Services for the Poorest (FSP)

BEES started FSP project in July 2002 for the hard core poor people of Madhabpur upazila of Hobigonj district.
Its view is to develop a sustainable model for reducing the number of the extreme poor based on effective
use of micro-credit and other financial & technical services to enhance their income and improve their
livelihood. Under this project the major activities are group formation, social mobilization, group meeting,
savings collection and micro credit management, awareness raising on social issues, human development and
leadership training, skill training on various IGAs for self-employment and wage-employment, technical
support in the field of IGAs etc. BEES organized 197 groups and enrolled 4,177 target beneficiaries with these
groups; provided human development training to 3,749 beneficiaries and skills training to 645 beneficiaries,
organized 3 workshops, disbursed loan Tk 59.05 million to 3,649 beneficiaries through this project.
e) Micro Finance for Marginal and Small Farmer (MFMSF)

This program has been taken to support the marginal and small farmers to provide with credit facilities as
well as technical support. Initially PKSF has extended financial support to undertake the activities in Sherpur
and Netrokona district. In near future this program will be extended in the other parts of the country. Under
this program, a total of Tk. 5.25 crore has been disbursed as loan and about Tk.3.98 crore has been realized.
The recovery rate was 100%.
f) Urban Micro-Credit (UMC)

BEES has been operating micro-credit activities among the rural poor since 1979. But there is a great portion
of people who are dwelling in the urban areas having no minimal basic amenities. A remarkable number of
people migrate from villages to the urban areas every year for seeking work. They lead their lives as rickshaw
puller residing in the unhygienic environment of the slums in the towns. Some of them are involved in
unsocial and illegal activities for earning their livelihoods as well. Considering this over-all situation, BEES
thought that it was very much necessary to help those destitute and disadvantaged people ensuring their
rehabilitation and socio-economic uplift. With the help of own fund, BEES has been working for their
development consecutively over the last the 10 years. Recently PKSF has provided fund to BEES for this

purpose and the program Urban Micro-Credit (UMC) has been more strengthened with an auspicious mobility.
Now BEES is providing credit facilities to 8618 beneficiaries in 17 units under this program. Among of them,
PKSF has funded Tk.1.60 crore that has been disbursed to 1173 members in 2 units. And PKSF has assured
to provide further credit facilities in another 19 units within a short time. A total of Tk. 53.53 crore has been
disbursed as loan and about Tk. 47.56 crore has been realized. The recovery rate was more than 98%.
g) Micro-Enterprise (ME)
BEES observed many small entrepreneurs, craftsmen and skilled workers in the rural areas struggling hard
to overcome their sufferings due to scarcity of capital; so, BEES realized that financial support to them would
help promote their business and thus enhance development initiative including subsequent employment
opportunity in the rural and urban areas.
Micro-Enterprise Development Program is not completely new in BEES, though formally started in 1994.
Primarily in the early phase of its evolution, the program was initiated with the support of 1 million taka in
small pocket in Sherpur upazila under Bogra district.
The result was very positive, therefore, from July 1997, it was promoted in other potential BEES micro-
credit intervention areas to support small entrepreneurs under micro-enterprise development program.
The loan provision of this program was from Tk 30,000 to 3,00,000 (US $ 429-4286). Under this program,
a total of Tk.57.57 crore has been disbursed as loan and about Tk. 51.07 crore has been realized. The
recovery rate was 99%.
h) Seasonal Loan Program (SLP)

Every beneficiary is eligible to receive two loans, one is regular loan and another is seasonal loan. Seasonal
loan is a short term loan for a particular season. Duration of this loan is for 3-9 months. Under this program,
up to the end of the reporting year a total of Tk. 1.53 crore has been disbursed as loan, and about Tk. 1.50
crore has been realized. The recovery rate was 100%.
ii) Savings
The collection of savings is an important part of credit operation; and the regular savings of a group indicate
a better discipline in the group's credit operation. From the members' point of view, savings represent an
opportunity to save a lump sum amount of money and earn profit for them, which they cannot avail of from
the formal market or any regular financial institution. Savings opportunities with BEES in future will provide
members with fund for consumption, children's education and other investment. BEES members deposit two
types of savings:-
a) Weekly savings
Every member deposit minimum Tk. 20 /- per week as a weekly savings. It is a compulsory savings for the
member. BEES gives 5% interest for this savings. When members are interested to leave the organization
they get back their entire savings.
b) Emergency savings
This is an additional savings for the members. Members can deposit minimum Tk. 10/- every week as an
emergency savings. Members can withdraw this savings in any time and any purpose. By the end of the
reporting year it was found that the savings balance was Tk. 150.32 million deposited by the clients.
iii) Credit Plus Services through Seba Package

BEES provides credit plus services entitled Seba Package through such 4 major components as - a) Insurance,
b) General and Reproductive Health, c) Training and d) Input Delivery. Seba Package has been playing an

important role to make the Microfinance Program more effective and integrated. Through this service, BEES
is trying to link credit facility with different essential services like widening beneficiaries' periphery of
knowledge, skill and fulfilling their social requirements in a pragmatic manner. During the reporting period
followings were the details about the components of Seba Package.
Insurance
The insurance provision is almost similar. Any of the group members of BEES are eligible for insurance service.
Without an insurance policy the credit program may face problems in recovering the outstanding loans from
the borrower's successors in case of death. BEES has introduced the insurance policy to mitigate this problem,
which ensures borrower's scheme and high repayment rates. BEES covers the borrower's death risk and their
husbands. BEES's insurance service provides a capital some of Tk. 5,000-20,000 (US $ 71-286) to the
nominee of the deceased and Tk. 1,000 is given to deceased member's family as a funeral cost.
General and Reproductive Health Services

BEES has been implementing the Health Service Activities under Seba Package since July 2002 for developing the
health related issues of beneficiaries and their family members parallel to microfinance loan facilities. Health
services are delivered through paramedics. BEES has intended to recruit a paramedic at every unit office.
Appointed paramedics have been equipped with limited diagnostic facilities at unit offices with a hope to expand
its services in future. Paramedic visits groups and provides preventive and curative treatments catering to the
beneficiaries. They provide essential medicine free of cost and other necessary medicine in subsidized rate as well.
They refer the case to the local govt. doctors if it is found critical. Every Unit Office where paramedic is working
is treated as a Static Clinic. BEES' implementing staff and their family members have also access to the clinic.
The paramedics of BEES under Seba package are providing following services:
X Delivering essential drug based limited curative cares;
X Helping for contraceptive selection and adopting birth control method;
X Delivering Ante Natal Care (ANC) and Post Natal Care (PNC) for the pregnant women. Identifying
pregnancy related complications and early risk-delivery through routine close follow-up and checking B.P.,
urine sugar and albumin;
X Motivating to participate in EPI (Expanded Program on Immunization);
X To raise awareness for personal hygiene, nutrition, and population control; and
X Motivating the beneficiaries to participate in the National and International Health Days like National
Immunization Day (NID), World Health Day, and World AIDS Day etc.
Till end June 2008 a total of 43 paramedics were working in HSA. An MO from BEES central office worked for
2 days in a week in the Static clinic of Urban Area Office, Dhaka and rest 3 days through intensive field visits
to supervise the paramedics at satellite and static clinics and monitor activities therein. During the reporting
period HSA was implemented among the group members of MF from 2,397 villages/wards of 484 unions of
143 upazilas of 26 districts with their family members. At the end of June 2008, a total of 103,535 members
(females 97,692 and males 5,843) formed a total of 5,839 groups (5,157 female groups and 682 male
groups) were served by HSA.
During the reporting period out of total

registered cases 7.5% for ARI (Acute
Respiratory Infection), 8.7% for diarrhoea,
11.8% for malnutrition, 6.4% for worm
infestation, 9.3% for skin diseases and
14.2% were treated as other cases which
includes fever, headache, anemia,
hyperacidity, asthma, general weakness,
allergy, low back pain, leucorrhoea etc.
Among all the cases 4.2% and 2.1%
received ANC (Ante-natal Care) and PNC
(Post-natal Care) respectively. 1.5% of the
cases were immunized by TT (Tetanous
Toxoid). For contraceptive methods users
16.8% for pill, 9.5% for condom, 4.0% for
injectables, 2.0% for IUD (Intrauterine
Devices), 1.0% for ligation and 1.0% for
vasectomy were recorded.

During the reporting period paramedics
were also involved in different voluntary
works in flood and Sidr (Cyclone 2007)
affected people of BEES' intervention
areas. Besides, paramedics in a group of
8 members' medical team were sent to
serve the Sidr (Cyclone 2007) affected
victims in the worst damaged Soronkhola
upazila of Bagerhat district. This team
worked in 2 phases in this area. Their
courageous role and sincere service to the
cyclone victims was appreciated hugely by
the local government authority. Apart from
these, in January 2008, one Medical
Officer from BEES head office with the help
of one paramedic in Gaibamdha Sadar and
Sundorganj upazilas of Gaibandha district
worked in a medical team to serve the
poor people during the program of winter
clothes distribution among the poor people
of those areas.
Input Delivery Services

Seed, seedling, sapling, fertilizer and pesticide distribution; fencing, supervision and follow-up etc are the
services. Under Input Delivery Services, quality seeds of 12 types have been distributed twice a year for
homestead gardening during the year.
The target beneficiaries receive the above services and other health related services through group meeting
and static and satellite clinics established by BEES making them 'Human capital' in production.
Achievements
During the reporting year BEES stuck to operate its microfinance program smoothly due to happened flood
and cyclone Sidr. Beneficiaries lost their crops, wealth, capitals, income generating projects so that they were
passed untold sufferings and were unable to pay installment of loan and to deposit for savings. BEES handled
to overcome the situation through its proven experience and dynamic management. During the year a total
of 1,03,535 members consisting of 5,839 groups received support from BEES through microfinance program.
BEES disbursed a total of Tk. 853.46 million among the beneficiaries through different components
considering various types of IGAs and the cumulative disbursement was Tk.3902.31 million. By the end of
the reporting year Tk. 465.12 million was found as outstanding money and the recovery rate was over 98%,
reveals a better performance.
Component-wise Loan Disbursement, Number of Members, Outstanding

Recovery and Savings Balance Status as on June 2008
Total Disbursed Total Total Savings

Name of
Members Amount Recovery Outstanding Balance
Program
(in number) (Tk. in million ) (Tk. in million) (Tk. in million) (Tk. in million)
RMC 52548 1886.95 1667.41 219.53 66.00

UMC 10371 535.31 475.63 59.69 20.04
ME 3484 575.70 510.75 64.95 24.86
SEASONAL 96 15.31 14.96 0.35 0
SRLP 0 20.32 20.32 0 0
FSP 2082 59.06 54.50 4.56 1.50
MFTS 9547 365.96 325.20 40.76 17.08
UPP 22668 391.13 328.61 62.52 17.57
MFMSF 2835 52.57 39.81 12.76 3.26
Total 103535 3902.31 3437.19 465.12 150.31

During the reporting period BEES disbursed the loan on different IGAs. Small Enterprise was the highest IGA
of micro enterprise disbursed loan.
IGA wise Loan Disbursement of Micro Enterprise Component
Sl. No. Name of IGA % of Disbursed Loan

1 Small Enterprise 81.76
2 Poultry Farm 2.56
3 Milking Cow 3.42
4 Food Processing 1.19
5 Small & Cottage 2.47
6 Agriculture 1.42
7 Fish Culture 1.23
8 Transport 1.95
10 Special Production 0.93
11 Others 3.07
BEES field workers organize meeting with group members once a week to collect the installments against the
disbursed loan, individual savings and to discuss different social and technical need based issues like family
planning, social awareness, various IGA activities, plantation, women right's and gender equity,
disadvantages of dowry and early marriage, utilization of indigenous resources, etc. BEES also established
linkages among the enterprises, different money lending institutions, raw material suppliers, buyers,
shopkeepers, salesman, and other GO/NGO stakeholders.
Other planned activities under the micro-finance program such as auditing of the program activities by the
internal auditors, annual auditing by the external audit firm and regular monitoring and supervision of the
activities were found completely satisfactory throughout the year.

3.0 AGRICULTURE PROGRAM
Agriculture not only tends to feed and nourish the entire population but also correlates and interacts with all
the related industries of our country. Sustainable agriculture integrates three major goals- to ensure food
security, economic profitability and environmental health. Food security prevents starvation which has
traditionally been considered one of the largest problems being experienced by the small developing countries
like Bangladesh. Agriculture is the predominant occupation of most of the working population for their
livelihood in our country. Concurrently, it is the leading way of life, culture and custom in the rural area of
our country. Agriculture and social forestry protect us from degradation of soil environment and ecosystem,
animal and human health hazards as well. If development program is not able to incorporate agriculture
development activities - like accelerating local agricultural expertise - aptly and timely the program may not
be capable to contribute to sustainable development as a whole. BEES has the great inclination to
complement the sustainable development with proper tools to tackle poverty in light of Millennium
Development Goals (MDGs) through initiating different agriculture programs. Its beneficiaries - especially the
ultra poor farmers mostly women - are being encouraged comprehensively to be involved in agriculture-based
IGAs for molding their livelihood towards self-reliance.
3.1 Agriculture and Social Forestry

Allaying susceptibility to environmental pollution and poverty is an essential precondition of sustainable
development. Agriculture and social forestry is a major component of rural incomes and, at the same time,
safeguarding environment. Water, land, livestock, crops and knowledge are necessary for the livelihoods of
the rural people. Through agriculture and social forestry comprising farm forestry, community forestry,
extension forestry and agro-forestry, it would be possible to encourage rural participation in the management
of natural resources extensively. Bangladesh is one of the most suitable countries to involve community
participation as part of a drive towards afforestation, and rehabilitating the degraded forest and common
lands. It has skilled & dedicated farmers and cheap labor facilities. Under agriculture and social forestry
program, if the country utilizes these resources properly it can reach the goal to better environment and lift
the economy of Bangladesh auspiciously.
From the very beginning, BEES has been integrating Agriculture and Social Forestry program with the
mainstream development initiatives. The program under Bogra Rural Development Project (BRDP) was
initiated with dynamic endeavors at the backdrop of a drastic food crisis in 1975. In response to the need of
target groups, it covered such need based activities as research and development (R&D), training of farmers,
input service back up and so on. In the course of time, the Agriculture and Social Forestry Program has been
more integrated and extensive being well-equipped with further effective implementation strategies and
demand driven approach. Through this activity, BEES has been providing support for plantation of different
trees to contribute to environment and ecological protection. In addition to this, the services associated with
modern technology support, financial support as loan, distribution of saplings, supplying seeds and facilitation
of tree plantation were ensured under this program.
3.1.1 Objectives
To adopt sustainable agro-technology by target beneficiaries for enhancing the nutritional status and income
level of the most vulnerable groups in the society and enable them to become financially self-reliant through
crop diversification, to increase agricultural production and to promote social forestry to bring favorable
ecological balance in the environment.
3.1.2 Major interventions

Group formation, social mobilization, savings and credit management, agro-technology transfer, establish
home gardening, conduct agro-demonstration at farmer's field, create awareness related to health, nutrition,
personal hygiene & family planning, conduct training & workshop for project staff and beneficiaries, distribute
seedlings/ saplings/ grafting and other inputs among beneficiaries .
3.1.3 Achievement
With a view to grappling with poverty for trapping hunger, BEES' Agriculture and Social Forestry program
attained a remarkable success in the reporting period 2007-08. As per the schedule activities of Agriculture
and Social Forestry Program, BEES distributed summer and winter vegetable seeds among the target

beneficiaries during the reporting year. It
distributed summer vegetable seeds including
okra, red amaranth, ridge gourd, ash gourd
and kangkong among 1,12,902 beneficiaries
against the target of 1,16,200 and winter
vegetable seeds including bottle gourd, Indian
spinach, red amaranth, sweet gourd and
radish among 95,000 beneficiaries against the
target of 1,02,050. BEES arranged training
for staff and beneficiaries based on the
requirements to run well the program
effectively as well as they utilized their
learning for enhancing their economic status.
During the year, BEES organized training for
138 staff and 2,467 beneficiaries on rice,
wheat & vegetable production through the
utilization of modern agro-technology,
mashrum cultivation, nursery management,
tissue cultured banana production and its
demonstration, fish production, supervision &
monitoring and program management. After
receiving the training on crop production and different agricultural issues it was observed that more than 60%
beneficiaries were able to increase 7% crop production from base line production.
Improved Technologies
Under the Agriculture and Social Forestry Program BEES trained its beneficiaries about some agro-based
improved technologies like vegetable seed production, spacing of seed sowing, tree plantation in agricultural
crops, homestead gardening, mini orchard establishment, compost preparation using kitchen waste and
dung, rice-fish production, IPM in vegetables & crops, and vegetative propagation of fruit trees, soil and
fertilizer management during the year.
Agriculture Fair
For introducing the activities and to reach to the vast population within a very short time BEES participated
in 25 agriculture fairs during the reporting year as its schedule work. These fairs were held in Dhaka,
Norshingdi, Gazipur, Fraidpur, Gopalgonj, Sherpur, Noakhali, Feni, Chuadanga and Madaripur district.
Demonstration Plot
Under the program demonstration plots are
established by the progressive farmers with
the aim to enhance the nutritional well
being through intake of fresh vegetables,
utilization of fellow lands around the
homestead as well as idle manpower and to
earn extra money. During the reporting
year a total of 265 demonstration plots
were set up in 265 farmers' field. Aman,
wheat, oil seed, pulses, summer and winter
vegetables, heap compost preparation,
green manure, farm yard manure, kitchen
gardening, existing fruit trees
management, orchard preparation were the
items demonstrated for the progressive
farmers. Farmers got required nutrition
from a variety of vegetables throughout the
year and ensured economic benefits as
well. However, a total of 25,350 farmers
were benefited from these initiatives.

Tree Plantation
For ensuring better environment & better health and enhancing the economic status of the beneficiaries through
plantation, every year BEES distributes fruit, timber and medicinal trees among its beneficiary members. In the
reporting year, BEES distributed 98,200 different types of fruit trees including mango, jackfruit, carambola,
lychee, blackberry, guava, coconut, lotkon and olive among its beneficiary members under its Agriculture and
Social Forestry program. It also distributed 29,330 neem, shishu, mehegoni, akashmoni, shegun, raintree, etc as
timber plants and 10,425 arjun, hartaki, bohera as medicinal plant among its beneficiaries for plantation.
Agricultural Inputs delivery

BEES delivered quality seeds and seedlings/saplings as agricultural inputs to its beneficiary members during
the year. Under agriculture and social forestry program BEES also disbursed crop credit for its selected
farmers to produce more crops utilizing agro-technologies achieved from training for improving their
economic condition as well as upliftment nutritional status. During the reporting year BEES disbursed
Tk.186.00 million among 46,500 farmers.
Inputs-wise Beneficiaries' Numbers

Sl. No. Type of Inputs Number of Beneficiaries
1. Seed 95,000
2. Seedlings/Saplings of vegetables 14,832
3.2 Greater Rangpur Agriculture & Rural Development Project

BEES implemented a project titled 'Greater Rangpur Agriculture & Rural Development' with the financial
assistance of Islamic Development Bank (IDB) and Department of Agriculture Extension (DAE) to reduce
poverty and develop a strategy to boost agricultural production. The project was commenced January 2008.
Its location was at Sadullapur upazila of Gaibandha district. The project covered 23 blocks of 44 villages of
11 unions of the selected upazila.
3.2.1 Objectives
The objectives of the project are to improve the livelihood standard of small, marginal and landless farmers
of Greater Rangpur district through crop diversification, improve nutritional status through income generating
activities, small farm establishment and homestead gardening, strengthening of extension services for
different farmer groups and to create employment opportunities.
3.2.2 Major Interventions

Marginal and landless farmers' group formation, small farmers group formation, training on agro-
technologies, develop capacity building of target farmers, small farm establishment and homestead
gardening, empowerment of women farmers.
3.2.3 Achievement
In accordance with the project design one project manager and five field facilitators were deployed in the
project area. A total of 50 marginal and landless farmer groups consisting 1056 members and 50 small farmer
groups including 1033 members were formed in the project intervention area. On average 73 percent male
and 27 percent female farmers were included these groups. A total of 200 group leaders taking 2 persons
from each group received training on the project purpose and AEZ based crop technology from the project.
The necessary resource persons for training were hired from Department of Agriculture of the local area. AEZ
based crop technologies were also disseminated to others group members by the trained 200 group leaders
under the direct supervision of DAE and project personnel.
3.3 Poultry and Livestock Program

In our country, many people are landless, under privileged, having no land for crop cultivation, education
or formal skills to participate in income generating activities. Within such condition, poultry and livestock

may play a very significant role for
income generation and poverty
alleviation for this class mostly for the
destitute women. According to
Bangladesh Bureau of Statistics (BBS),
19.6% of the people have no cultivable
land, but homestead only. In this case,
Poultry & Livestock Program may
contribute to livelihood development of
this group possessing minimal land, short
capital and not very high skills. With a
great involvement in raising the income
of beneficiary farmers, BEES has been
operating this program since 1980.This
program has been contributing to women
empowerment and nutritional
enhancement at community level on a
great scale as well. Women earn extra
money through selling milk, eggs, chicks
and chicken etc. Besides, family members
consume the products like milk, meat, eggs and chicken, and get nutrition for leading the healthy life, and can
reduce the treatment cost. Through Poultry & Livestock Program, BEES provides a range of services to its
beneficiary members, for instance - training on poultry and livestock rearing & management and on other
technical aspects as per requirements, ensuring credit facility as well as vaccination facility to run the program
in an effective way.
3.3.1 Objectives
The objective of this program is to increase income particularly of women, enhance nutritional status through
increasing protein intake of the rural poor, reduce poultry and livestock mortality, improve the poultry breed
and upgrade the local breeds of livestock through crossbreeding.
3.3.2 Major interventions

Group formation, social mobilization, savings and credit management, conduct training and workshop for project
staff and beneficiaries, arrange high breed poultry birds and cattle, arrange vaccine for poultry & livestock.
3.3.3 Achievement
Under this program a total of 16,300 beneficiaries were covered against the target of 17,000, which implies about
96% achievement. BEES arranged several training courses related to poultry and livestock for its beneficiaries as
well as staff. During the reporting period, a total of 45 staff and 7,539 beneficiaries received training on chicks,
keys and model rearing, mini hatchery, poultry management, goat and cattle rearing & farming. During the
Category-wise Number of Trainees Received Training from Different Courses
Category wise no. of staff and beneficiaries received

Training topics training from different courses
Staff Beneficiaries
Chick rearing 45 100
Key rearing 45 6,849
Model rearing 45 70
Mini hatchery 45 60
Poultry management 45 80
Cattle rearing and farming 45 200
Goat rearing and farming 45 180

reference year, BEES distributed loan of Tk. 70.7 million among 10,549 beneficiaries. Out of total disbursed
loan, an amount of Tk. 20.29 million was disbursed for poultry farming and the remaining for livestock
rearing and farming. A total of 2,389 poultry farms and 4,162 livestock farms were established, where
38,040 poultry and 13,104 cattle were existing respectively. After receiving training, beneficiaries could
realize the need of vaccination and vaccinated 58,040 poultry birds and 25,300 livestock in their
communities. They could increase their monthly income up to Tk. 2,100-2,400 in average through
involving with poultry and livestock activities.
Rawshanara towards the New

Horizon of Self Reliance
Yearning for being self-reliant
Earning livelihood to prosperity
Nowadays Mochhammat Rawshanara Begum 35 years old is a successful breadwinner in her family. But five years
ago, she and her family members often had to starve because of their insufficient income. Her husband Saheb
Ali of Lakshipura village of Joydevpur upazila under Gazipur district was a day laborer. His income was too little
amount to bear all necessary expenses of her four-member family. His monthly income was not more than Tk.
1,000. Rawshanara and her family member were just the persons to be teased by their community people as her
family had been suffering from food insecurity, hunger and starvation. She was one of the thousands of
housewives in the area who were struggling to live an ordinary life with food, clothes and other basic amenities
for their family. She wished to bring a change in their distressed condition. Just during the condition of the family,
Rawshanara heard of an organization named BEES with programs for providing skill training, primary health care
and loan among the destitute people. She went to them and asked them to provide her assistance.
"They became kind enough and made me a member of BEES-samiti on 29 August 2001. Then I was trained up
according to my interests and capacities for income generation," says Rawshanara. With the support from BEES,
she became engaged to change her luck with great eager. At first, she bought a cow with the loan Tk. 6,000.00
from BEES. After repaying the loan in installment, she took 2nd loan of Tk. 10,000.00 for buying another milk-
cow. Side by side, she was being provided with technical knowledge and know-how through necessary training
from BEES. She was making profit regularly from her cow-rearing project by selling milk. With the pace of her
increasing income, her confidence was being increased steadily as well. So she was receiving loan one after
another with more money and was very much conscious and keen in repaying loans timely.
In 2007, she took 9th loan with great amount like Tk. 70,000.00. Hard labor done by all of her family members
has brought remarkable success for the family. Now there is smile of happiness in her tired face. The increase
in income earning has enabled Rawshanara to spend optimally in food and clothing. She can now spend an
amount for health service and recreation. Some other expenditure to improve the quality of life has been
increased. At present, she is able to save enough money for facing any financial and other shock in future.
Apart from the loan received, Rawshanara got a number of necessary life skill training and orientation under
credit plus services entitled Seba Package of BEES, such as general health care, disaster management, family
planning and welfare awareness and so on. She has also been given vegetable seeds for kitchen gardening to
get essential vegetables in family food and also for income earning to an extent. Income earning success with
the help of BEES has changed Rawshanara totally and she has become enthusiastic, active and participatory in
the family and community decision-making and in community events. She also inspires other to struggle and
fight for their rights with hard working, so that they also can be successful to stand on their own food.
4.0 Education Program
Education is necessary to develop and use our mental, moral and physical powers. It makes us prepared for
wise leadership and personal achievement and opening our mind to new ideas. Education is generally seen
as the foundation of society which brings economic wealth and social prosperity. There is no doubt that
education is the best investment for a person in her/his life all along. It is recognized as the passport to the
sustainable future. Role of education yields strong families and strong communities. The quality of human
resource of a nation is easily judged by the number of literate population living in it. But it is very much sad
for us that a great number of our people is still susceptible to drastic illiteracy and ignorance. Investment in
human capital, life long learning and quality education help in the development of a society phenomenally.
Keeping the importance of education in mind, BEES has been carrying out different education programs
catering to the target groups at community level.
With a view to helping the disadvantage community people to be equipped with knowledge and skills which
are needed to contribute towards the development of shared values and common identity, BEES was involved
with the education program in 1984 through offering the Functional Education for its beneficiaries. Since then,
BEES is supplementing national efforts of building an illiteracy-free society and productive human resource.
It is conducting its education activities in such a way that both of rural and urban poor people have easy
access to the necessary facilities available in the centers of the target areas. During the reporting period
2007-08, BEES addressed a large number of children deprived from formal schooling system. It maintained
liaison and linkages with other NGOs and GOs for implementing the program in expanded areas intensively
and successfully.
BEES implemented 3 types of projects under its education program during the reporting year which is given
below:
1. Post Literacy and Continuing Education for Human Development (PLCEHD-1)

2. Reaching Out of School Children (ROSC)
3. Pre-primary education as Early Child Development (ECD)
4.1 Post Literacy and Continuing Education for Human

Development (PLCEHD-1)
BEES implemented PLCEHD-1 funded by Bureau of Non Formal Education (BNFE) under the Ministry of
Primary and Mass Education (MOPME) of Government of Bangladesh (GOB). The project duration was
designed for 9 months which first 3 months was for Post Literacy (PL) and next 6 months was Continuing
Education (CE). The major objective of PLCEHD-1 was to increase the functional application of literacy skills
by providing post-literacy and continuing education to neo-literates through a more comprehensive and
enhanced system that they can use literacy skills to increase their incomes, improve their families' welfare
and participate fully as citizens. According to the instruction of BNFE, each center was operated 2 shifts
enrolling 30 female and 30 male learners per shift. It was the 5th phase of the project.
4.1.1 Achievement PLCEHD-1

BEES operated 30 centers enrolling 900 male and 900 female neo-literate learners at Panchbibi and
Hatibandha upazila of Joypurhat and Lalmonirhat district respectively during the reference year. The age of
enrolled learners was 11-45 years. BEES recruited 2 Supervisors and 60 Facilitators for operating the
activities of the centers. BNFE organized training sessions on 'Master Training' as follows -
i. 6-day long on Post Literacy (PL)

ii. 2-day long on Continuing Education (CE).
In those trainings, 2 female and 2 male BEES staff participated as Master Trainer. Similarly, BEES also
arranged a 6-day basic training on Post Literacy and 6-day refresher training on Continuing Education for
Facilitators and Supervisors. Thirty Center Management Committees (CMCs) were formed, each of which
consisted of 9 members and oriented them on their role of playing for implementation of centers. Sixty
batches of learners were formed based on identified of listed trade of BNFE for providing skill training

under Continuing Education course. Among the total batches tailoring was 41, goat & cow fattening was
18 and poultry rearing was one. Sixty resource persons were hired for conducting continuing education
courses. More than 96% learners completed the course and their learning was evaluated after completion
of project duration.
4.2 Reaching Out of School Children (ROSC)

ROSC is for 5 years project from class one to five with the objective to create scope of primary education for
reaching out of school children, to increase quality of primary education in the project school, and increase
capacity & capability of relevant organizations. Among the age of 7 to 14 years old are the students of ROSC,
and in one class 25 to 35 students are enrolled under the guidance of one teacher.
ROSC program is operated with the financial support of Ministry of Primary and Mass Education (MOPME) of
Bangladesh Government. MOPME also provides the support as to teacher's honorarium, training, school
dresses for learners, teaching materials and grant to NGOs which are treated as Education service provider

(ESP) and Education Resource Provider (ERP) through Directorate of Primary Education (DPE). Where, BEES
executed the role of ESP. The major responsibility of BEES is to supervise the activities of ROSC schools and
to conduct the meeting of School Management Committee through Field Organizers of respective project.
4.2.1 Achievement of ROSC

During the reporting year BEES established 12 schools, and it also formulated 12 school management
committees. The target of learners to promote in class IV was 346 who studied in class three but it achieved
95% of target. Since the ROSC beneficiaries are drop out or not going to any formal school so that it is difficult
to continue them successively. About 5% learners left the school after completion the level three. The
teaching period was three hours in a day and six days per week. Generally the schooling sessions were from
9.00 am to 1.00 pm. The SMC meeting was held bimonthly for strengthening educational sessions of the
schools. The learning of the students was evaluated through conducting periodic and final examination.
4.3 Pre-Primary Education as Early Child Development

Pre-primary Education as Early Child Development project is for the duration of eight months. The major
objective is to stimulate 5 organs of sense at the early stage of children, create the scope of early learning
at the age of 4-6 years, and to prepare mental & physical development for going school by their own interest.
4.3.1 Achievement of Pre-Primary Education

BEES operates 3 centers target to enroll 90 children for providing pre-primary education with its own technical
& financial resources under Sreepur unit office of Gazipur district. But due to unavailability BEES has enrolled
81 students. The centers have been started in April'08. The methodology & curriculum of SISIMPUR Outreach
Materials has been followed for the early child development project. Three teachers are recruited and
provided them basic training for three days. Three School Management Committees are formed for running
well the activities of ECD through involvement of local people. BEES expect that after completion the period
of the course the learners will be able to admit to the formal primary school with their own interest.

5.0 Maternal and Child Health-
Family Planning (MCH-FP) &
Nutrition Program
Starting in the early 1979s, BEES was able to contribute to improve the health condition in its working areas
reducing the maternal and child mortality rate with desired success. This impressive gain has been sustained
in expanding intervention areas to the recent years, which exemplifies the strong commitment of BEES
towards healthy future for all. BEES believes that poor health outcomes undermine national and household
productivity gravely in the existing generation and the next. A well-designed and essential health care service
that benefits and protects the poor is an investment in national productivity, social inclusiveness and stability.
In the course of implementing multi-dimensional health programs to enhance health care services at
community level, BEES is still facing enormous competing social challenges associated with poverty, gender,
education, environmental factors and so on. Nonetheless, BEES achieved some very impressive health
outcomes over the reporting period 2007-08. This is to say that barriers to enjoying essential health care for
poor people often become a source of increasing social unproductivity and impoverishment. To meet the
increasing need & demand in the intervention areas, BEES is responding in a range of ways to help community
people expand and improve their awareness of health providing direct, long or short term development
assistance like preventive and basic curative health-care services with component of primary health care,
family planning, nutrition, food security, homestead gardening, cooking demonstration, growth monitoring,
immunization, watsan, arsenic mitigation, HIV/AIDS prevention and so on.

5.1 Community Based Health Project (CBHP)
Under Health & Nutrition program commenced in 1979 in Bogra district with its own fund, BEES makes it possible
to improve the quality of health care and to back up the willingness of communities to take charge of their own
health. BEES commenced Health and Nutrition Program in 1979 in Bogra district with its own fund. Subsequently
in 1984, BEES recognized its health and family planning program with the financial support of Canadian
International Development Agency (CIDA). That program was continued up to 1992. From 1992, BEES initiated
its Community Based Health Project (CBHP) in 6 upazilas of Bogra District under Bogra Rural Development Project
(BRDP) with the financial support of Bangladesh Population & Health consortium (BPHC-DFID) previously known
as ODA along with continued funding support from the Royal Netherlands Government up to December 1997.
BPHC again continued its financial support to CBHP project from January 1998 to serve ESP service delivery
of HPSP program of GOB through bidding process. Later on, its activities were concentrated in Adamdighi &
Dhunot upazila of Bogra District until December 2004. After December 2004, BEES has been continuing the
activity of CBHP by the surplus fund generated from Micro Finance Program. Considering the positive impact
during the previous period BEES initiated to continue this project. The team of REM cell from BEES visited the
operating area of CBHP to evaluate the activities of the project.
Objectives
The overall objective of the project was to impart improved services regarding reproductive health, family
planning, child health and general health to the community people especially fertile couples (15-49 years),
children (0-1 year), adolescents (10-19 years) and treating common ailing patient through static and satellite
clinics conducted by qualified paramedics and skilled community health workers.
Major Interventions
During the reporting period 2007-08, BEES provided such services as reproductive health, family planning
services, child health, communicable disease control, limited curative care and behavioral change &
communication.
Reproductive Health: Antenatal care (routine antenatal check up, distribution of vitamin A capsule, TT-2),
Safe delivery care (Institutional delivery, safe delivery by TTBA and qualified person) & Postnatal care.
Family planning services: CBD (Community based distribution pill, condom), CC (Clinical contraceptive):
Injectable, IUD, referral for ligation & NSV) services, Adolescent Reproductive Health Services
Child Health: EPI, Vit-A distribution, Acute Respiratory Infection (ARI), Control of Diarrheal Diseases (CDD)
Communicable Disease Control: Reproductive Tract Infection (RTIs)/ Sexual Transmittal Diseases (STDs),
HIV/AIDS, TB, Regional disease like goiter, leprosy etc.
Limited Curative Care: Static and Satellite clinical service for general treatment
Behavioral Change & Communication (BCC): Court Yard meeting, community meeting, workshop,
seminar & other promotional activities (National day observance, Rally, Miking etc.)
5.1.1 Achievement
In its intervention areas, BEES carried out the important activities, for instance - aiding pregnant women to
reduce their vulnerability to different illness. It gave them assistance with diet and ensured that they had
access to pre- and postnatal health care. BEES encouraged exclusive breastfeeding for new-born babies in
the first six months and later on adequate, complementary diet. About 78% pregnant women received the
Antenatal Care Services from BEES in this year. They received the services on safe delivery, ANC checkup,
awareness building about child care after birth & breast feeding, and receiving Iron and Folic Acid tablet.
Almost 73% pregnant mother gave birth safely with the assistance of Trained Birth Attendants. They also
ensured giving colostrums to their new born babies. BEES provided the post-natal care services up to 42 days
after delivery. BEES ensured at least 1 PNC checkup, referral post-natal mothers for Family Planning and new
born children for immunization.
BEES has been encouraging the community mothers to have Family Planning. It motivated the eligible couple
to use FP contraceptive and distributed contraceptive and materials to the targeted clinics receiving from Govt.
FP department. Almost 79% couple received the assistance on the above mentioned services provided by BEES
through CBHP.

In the year 2007-08, more than 12,850 couples adopted different types of contraceptives like IUD, Injectable,
vasectomy, Tubectomy and Norplant. A number of 78 satellite clinic sessions were organized in the project
area. Through satellite clinic clients received general treatment, medicine with low price. During the reporting
period, more than 98% children received all required vaccine and vitamin-A for immunization, 100% pregnant
women and 75% other women of 15 to 49 years old received TT.
5.2 National Nutrition Program (NNP)

We know that investments in improving nutritional status at community level can set the stage for long-term
sustainable development. Malnutrition easily makes the community people vulnerable to ill-health, lethargy
and unenterprising. Consequently, they are unable to put best effort in shaping their well-being. So to widen
development effectiveness in true sense, BEES is enhancing its efforts to advancing development
continuously through executing nutrition projects like NNP at field level. National Nutrition Program (NNP) is
a program of Ministry of Health & Family Welfare with the financial support of World Bank. This project
commenced on December 2003 with the vision to reduce malnutrition, particularly among women and
children, to the extent that it ceases to be a public health problem. Its goal is to develop and strengthen
communities' capacity to assess, and analyze the causes of their malnutrition problems and to make better
use of family, community and external resources to improve the nutritional status of vulnerable groups. Food
insecurity is not only the cause of malnutrition; behavior, social attitudes, and a lack of understanding and
knowledge of nutritional needs tend to be associated with this. Since September 1, 2006, NNP has been
working under HNPSP (Health, Nutrition & Population Sector Program). According to this new sector, specific
objectives of nutrition package have been modified from NNP to HNPSP as follows:

X To reduce the prevalence of Low Birth Weight (<2500 gm) from 36% to 20% or less.
X To reduce the prevalence of underweight (WAZ <-2 Z-scores) in children <5 years from 48% to 36%.
X To reduce the prevalence of stunting (HAZ<-2 Z-scores) in children <5 years from 43% to 37%.
X To reduce wasting (WHZ<-2 Z-scores) in <5 years from 13% to 8%.
X To maintain the prevalence of night blindness among children aged 12-59 months below 0.5%.
X Reduce night blindness among pregnant women below 5%.
X To reduce the prevalence the anemia in <5 years children from 49% to 40%, adolescents from 30% to
20% and in pregnant women from 46% to 30%.
X To reduce the prevalence of Iodine deficiency (UID<100 mcg/L) from 43% to 23% of all school aged (6-
12 yrs) children.
X Pregnancy weight gain to 9 kg or more in 50% of pregnant women.
X To increase household food consumption.
Components of NNP
A. Services Component:
a. Area-Based Community Nutrition (ABCN) Services
b. National Level Nutrition Services
B. Project Support and Institutional Development Component:

a. Project Management and Development
b. Monitoring and Evaluation
c. Training and Behavior Change Communication
Geographical Coverage
During the reporting year BEES provided the core ABCN services in 6 upazillas (Tongipara, Gopalgonj Sadar,
Muksudpur, Bhanga, Sadarpur and Madaripur Sadar) under 3 districts (Gopalgonj, Faridpur and Madaripur)
through area package # 10 of the National Nutrition Program. BEES has been implementing the activities in
those areas from December 2003. BEES has commenced to implement another package # 13 of NNP from
May'08 in 4 upazilas (Fatikchhari, Hathazari, Anwara and Bashkhali) of Chittagong district.
Target Beneficiaries
X Children less than 2 years old
X Pregnant women
X Lactating mothers
X Unmarried adolescent girls
X Newly married women
5.2.1 Achievement
1. Covered population and target groups
During the reporting period BEES delivered ABCN services under NNP to its beneficiaries in 139 unions and 2
poursavas of 10 upazillas through 2508 CNCs. It delivered services towards 3,287,993 populations of different
target groups from 584,799 households till the end of the reporting year. Number of populations was found
changing in different months due to migration-out and migration-in for various reasons.
Target Group wise Number of Covered Population

Target groups # of covered population
U-2 children 132,506
Pregnant women 30,222
Lactating mothers 24,138
New wed women 13,289
Adolescent girls 164,228

2. Birth weight measurement and growth monitoring of children less than 2 years
In June 2008, in 10 UZs a total of 3,036 newborn babies were registered and birth weight of 2,874 babies
was measured, the coverage being 94.66%. Out of total weighed 2,874 newborn babies, 205 (6.75%) were
found having weight less than 2.5 kg, that is, low birth weight. Of total underweight 205 babies, 91 (5.73%)
were male and 114 (7.88%) were female.
By the end of the reporting period out of 124,963 registered children below two years of age, 118,658 were
weighed and overall growth monitoring and promotion (GMP) coverage was 94.95%. Children came from hard
core poor families of the project area were provided supplementary feeding.
Growth Monitoring and Nutritional Status of U-2 Children

Indicators Status in number/percentage
No. of registered children 124,963
No. of children weighed 118,658
% monitored for weight 94.95
% of normal nutrition 39.33
% of mild malnutrition 27.29
% of moderate malnutrition 18.55
% of severe malnutrition 9.79
% of children under SF 1.77
3. Breastfeeding
At the end of the reporting year among the live born babies 99.42% received colostrums at birth and about
58.41% babies received exclusive breastfeeding up to 6 months of age. Besides, 3.22% children completed
6 months of age and 99.65% of them started complementary feeding.
Breastfeeding Promotion Status

Indicators Status in percentage
% of children taken colostrum 99.42
% of children > 6 months 3.22
% of children > 6 months with EBF 58.41
% of children received CF 99.65
4. Weight monitoring of pregnant women, ANC, care to lactating women & micronutrient
supplementation
In June 2008, a total of 30,222 pregnant women were registered and the weight monitoring coverage was
94.88%. A total of 746 pregnant women were found with BMI below 17.0 during the reporting period and
they were under supplementary feeding.
Weight Monitoring, SF, ANC, Fe-Folate and Vit-A Supplementation

Indicators Performance Status in Percentage
% of preg. wmn. weighed 94.88
% of preg. wmn. under SF 1.94
% of preg. wmn. received ANC 82.51
% of preg. wmn. received Fe-Folate 13.19
% of post-partum Vit-A 57.37
During the reporting year for supplementary feeding in both the APs # 10 & #13 the percentage was
remarkably decreased. The underlying causes were increased food items and less paid food packet for the
WGMs. Trend in drastic decrease in distribution of Iron-Folate tablets in AP # 10 was also notable and in AP
# 13 it was zero. During the period Iron-folate tablet could not be supplied sufficiently from NNP due to some
technical problems. Though below the need, supply could be continued with the supplementation from the

last supply stock of NNP and of local FWC, USC and UHC. This is to be mentioned that supply of iron-foalte
tablet from FWC, USC and UHC is not sufficient to meet the NNP based need. Thus, it is crucial that NNP
ensures the supply of iron-folate tablets soon; otherwise it will be difficult to maintain micronutrient
supplementation according to desired standard.
5. Pregnancy weight gain and pattern of delivery assistance

At the end of the reporting period 26.94% of pregnant women just before/after delivery were found with a
pregnancy weight gain of 9 kg or more. In case of delivery it was found that nearly 57% cases were
performed by Trained Birth Attendants (TBA), whereas untrained birth attendants (Traditional Dai) conducted
delivery in 15% of cases. About 28% deliveries were conducted by nurses, doctors and others.
Pattern of Delivery Assistance

By whom delivery conducted Status of delivery in percentage
Trained Birth Attendants (TBA) 57
Traditional Dai 15
Nurses, Doctors & Others 28
6. Maternal Mortality Ratio (MMR) and Infant Mortality Ratio (IMR)

During the reporting period, maternal deaths were reported during pregnancy and within 42 days after
delivery and infants less than one year deaths were also reported in the intervention areas. In June 2008,

maternal mortality rate was estimated as 4.00 and infant mortality rate was estimated as 25.03 per 1000 live
births. It was found that the highest number of deaths of children was occurred due to pneumonia (or ARI).
In the clause of other causes it had been observed that majority of the deaths were due to drowning.
7. Behavior Change Communication (BCC) forums

BCC is one of the vital components of ABCN activities. BCC is considered as the final frontier of ABCN
activities. It has been predicted with conviction that continuous BCC will finally bring a permanent change
among the beneficiaries so they will adopt ABCN activities by heart. Through different HE sessions and forums
BCC was being conducted among the beneficiary target groups.
Information About BCC Status

Indicators Status in percentage
Attendance of adolescent girls in BCC forums 85.21
Attendance of new-wed women in BCC forums 89.65
Attendance of mothers of moderately malnourished children in BCC forums 86.28
In June 2008, a total of 164,228 adolescent girls of age 13-19 years were registered. Out of them 139,943
adolescent girls (85.21%) attended the BCC forums (4 in each CNC in a month). They were counseled about
basic nutritional facts, reproductive health, life skills, delayed marriage, anti-dowry motivation etc. They were
also provided with Iron-Folate supplementation at the dose of two tablets per week and de-worming tablets
(Albendazole 400 mg) at 6 months interval. A total of 23,175 mothers of moderately malnourished children
were registered. Out of them a total of 19,996 mothers attended in BCC forums. They received counseling
about child feeding and care. A total of 13,289 newly wed women were registered and out of them a total of
11,913 (89.65%) of the newly wed women attended in BCC forums. They were counseled about
contraception, delayed pregnancy, reproductive health etc. They were also provided with Iron-Folate
supplementation at the dose of two tablets per week.
During the reporting period, forums for adolescent boys, mothers-in-law, fathers-in-law and husbands of
newly weds & pregnant women were held as bi-monthly basis and records were being maintained at CNC &
UZ Office.
8. Use of safe drinking water, iodized salt and sanitary latrine

During the year users of safe drinking water, iodized salt and sanitary latrine were recorded in the program
invention areas. The beneficiaries were counseled through different BCC forums to prevent their health from
diseases using safe water, iodized salt, sanitary latrine. In June 2008 salt specimens from 493,972 households
were tested for Iodine by the traditional methods. Out of them 422,553 households (85.54%) were found
positive qualitatively iodized salts being consumed by the family members.
Using Status of Safe Drinking Water, Iodized Salt and Sanitary Latrine
Users Status in Percentage
Users of safe drinking water 77.72
Users of sanitary larine 66.70
Household whose members used iodized salt 85.54
9. Referral
A total of 719 children were referred to different Govt. and NGO health facilities for growth faltering, severe
malnutrition and severe illnesses in the month June 2008. Among them 83.03% of children were properly
managed after referral. And a total of 464 pregnant and lactating women were referred from a total of 2508
CNCs to nearby Govt. and NGO health facilities for ante-natal & post-natal problems and out of them 98.92%
referred beneficiaries were properly managed.

6.0 SPECIAL PROGRAM
BEES identified that poverty is more than insufficient income or the deprivation of material resources. It is
created due to the lack of opportunity to access education, basic healthcare, clean drinking water and other
factors that matter to people. Thinking over this pivotal point, BEES has been implementing especial program
at community level banking on integrated development approach to alleviate poverty in an effective way.
Through the process of enlarging people's choices, the activities under this program are to ensure that the
beneficiaries will be able to enjoy a long and healthy life and a decent standard of living. Side by side, the
program is creating a social safety net a collection of actions to protect vulnerable people from falling into
extreme poverty because of shocks to the household income. It is contributing to stimulate pro-poor growth
and promote human rights as well as ultimately supplementing the MDGs.
6.1 Social Investment Program Project (Phase II and III)

Bearing the profound vision to spur development for all, Government of Bangladesh has taken a project
entitled 'Social Investment Program Project (SIPP)' with the assistance from the IDA. The project is being
implemented by Social Development Foundation (SDF) and being delivered by private sector & NGOs with
effective community participation. BEES as a participating organization has been implementing the Social
Investment Program Project (SIPP) , phase-II for the hard core poor and vulnerable group members in 190
drought and disaster prone villages of Gaibandha Sadar, Sundarganj and Sadullapur upazilas under
Gaibandha district since January,2005. SIPP, phase-III has been being implemented in 74 drought and
disaster prone villages of Gaibandha Sadar upazila since November, 2006.
6.1.1 Goal and Objectives

The main goal of the project is to create enabling environment for disadvantaged community and increase
their participation in decision making and thereby decreasing social exclusion and improving local
governance.
The overall objective of the project is to test and support alternative methods of service provision and
financing for poverty reduction by way of increasing poor people's access to small social and economic
infrastructure and social assistance services delivered by private sector and NGOs with effective community
participation.
6.1.2 Major Interventions

At the beginning of the project, major area of interventions were identified as; a) social mobilization b)
advocacy program on health, hygiene, clean water, sanitation, education, rights and good governance c)
advocacy program on dowry and dowry related issues d) occupational skills development training and
employment assistance e) human development and leadership training f)
legal aid services g) assistance to tribal population h) institution building in
village level i) capacity building in the community.
But after the Mid Term Review by the world bank as well as on the basis of
sharing experience and learning with the community the scope of works of
the project was revised and a package of activities were included by SDF as
follows: a) formation of Jibikayan Groups with the hard core poor, poor and
vulnerable people b) develop institution of the poor and building capacity
within the community c) establish mechanism for lending and recovery of
loan for Jibikayan Groups and Gram Samity d) develop capacity building
among the leaders of Gram Samity, Social Audit Committee, Jibikayan
Groups and Gram Sebak e) promotion of livelihood development activities
for the Jibikayan Groups have been designed for PO for delivering social
assistance services to the hard core poor and vulnerable people in the
project villages.

6.1.3 Achievement
BEES performed the project activities subsequently as per contract to achieve the goal with effective
community participation through dynamic management. Most of the activities were performed in the previous
years. During the reporting period formation of Gram Samity(GS), Social Audit Committee(SAC), Village
Credit Organization(VCO), Operation & Maintenance Committee(OMC), Sanchay Shangrakkhon
Committee(SSC), Gram Parishad(GP), opening of bank account for SSC, preparation of operation &
maintenance plan were performed according to guideline of the amendment of contract. General meetings
with GSs & GPs were accomplished against the target of the period. Savings culture and internal lending
were also started among the Jibikayan Group Members during the reporting period.
Status of Performed Activities of January-June 2008
Name of performed activities Number

Formation of Gram Samity (GS) 212
Formation of Gram Parishad (GP) 212
Formation of Social Audit Committee (SAC) 261
Signing of financing agreement between GS and SDF for
168
institution and livelihood development funds
Formation of Village Credit Organization (VCO) 220
Formation of Operation and Maintenance Committee (OMC) 261
Started savings culture in the Jibikayan Groups (JGs) 2771
Started internal lending in the JGs 2700
Conduct meeting with JGs 14328
Conduct meeting with GPs 360
Opening bank account for Sanchay Sanrakkhon Committee (SSC) 161
Village communities have prepared the operation and maintenance plan 260
6.2 Relief & Rehabilitation

BEES has long and vast proven experience in successful performance in relief and rehabilitation in different
parts of the country. BEES carry out as much as possible relief activities with its own resources It has a Disaster
Management Fund (DMF) to provide financial support in relief and rehabilitation activities. This fund is created
by depositing one percent service charge from borrowers of BEES. As on June'08 the balance of DMF is Tk.
7.46 lakh. BEES always develop awareness its beneficiaries about the activities of before, during and post
period of disaster. While disasters happen anywhere in the country the organization carries out different
activities such as participation of rescue activities,
assessment of loss & damages and needs, relief
distribution, postponed of installment of loan,
savings return, supplementary loan to borrower
for retrieving capital, provide basic preventive and
curative health services, ensuring safe water
supply and hygiene latrine by installing new tube-
wells, repairing & re-sinking damaged tube-wells,
distribution of seeds & seedlings of different
agricultural crops etc. Besides, BEES implement
various programs/projects incorporating relief and
rehabilitation activities with the financial
assistance of donor agencies. BEES has trained a
team for working in the disaster affected people.
In the meantime, it has also got partnership with
the Disaster Management Bureau of the
government.

In 2007, Bangladesh had been seriously affected by the flood and intensive destructive Sidr. More than 38
districts among 64 were under water during flood. About 9.8 million people were affected in 237 flood affected
upazilas. Flood eroded embankments and damaged houses, roads, educational centers, crops and other
infrastructures and a total of 255 people died by the drastic flood. The cyclone Sidr struck over 30 districts
of the country on 15th November 2007. More than 3,300 people were died and 45,456 people were injured
during cyclone and 4,61,750 livestock were also died. Near about 35% trees of Sundarban were destroyed
and natural animals like dear, tiger, pork, birds etc also death. Houses, crops, roads, educational centers, and
other infrastructures were fully or partially damaged. As a whole 19,28,265 families were affected, 3,63,346
houses were fully destroyed and partially damaged about 8 lakhs. A worth of more than Tk. 16 thousand crore
financially was lost by the affect of Sidr. The affected people had passed in untold sufferings and most of them
were passed under open sky. Understanding the situation BEES came to help the affected people in a
comprehensive way and performed the relief and rehabilitation activities with the assistance of local
administration, alliance forces and donor agencies which are given below briefly.
i. By setting up a temporary camp for 15 days at Sharonkhola upazila in Bagerhat district BEES operated
rescue activities and distributed relief such as dry and cooking food, old & new clothes, and water
purification tablet to the Sidr affected people. At the same time BEES provided basic preventive and
curative health services in that area. A group of 8 members' medical team of paramedics was sent to
serve the Sidr (Cyclone 2007) affected victims. This team worked in 2 phases in this area. Their
courageous role and sincere services to the cyclone victims was appreciated hugely by the local
government authority. The relief of about Tk. 2.95 lakh from its own disaster management fund was
distributed among 8,700 affected families in that location.
ii. BEES distributed 1,000 blankets of which total price was Tk. 1.41 among 1,000 Sidr affected families in
Bogra district.
iii. BEES distributed relief of 1,000 plastic sheds, 700 family kits, 12,000 packets energy biscuits (BP-5)
having from UNICEF among 1,700 flood affected families of Sariakandhi and Dhonut upazila in Bogra
district. In the same way the organization distributed high energy biscuits (NRG-5) getting from UNICEF
among 4,992 flood affected families especially pregnant and lactating mothers and children below 5 years
of Zinaigati, Nalitabari, Nakhla, Sribordi and Seerpur Sadar upazila of Seerpur district.
iv. BEES distributed emergency relief of non-food items and safe water total cost of about Tk. 26.64 lak
among 1,500 Sidr affected families of Sadarpur and Char Bhadrason upazila of Faridpur district from 2
6/11/2007 to 11/12/2007. UNDP funded to execute the program. There were sari, lunghi, towel, soap,
mosquito net, candle, match etc. among the non-food items.
v. BEES performed a rehabilitation project titled "Rapid Community Restoration Assistance for Cyclone SIDR
Victims of Faridpur District" to provide income generating opportunities for the affected people through
reconstruction of destroyed social institutions and infrastructure like educational institutes, local markets,
village roads, homesteads, community centers, religious centers etc. from 30 January to 15 March 2008.
The project was implemented in 6 unions of three upazilas; Sadarpur, Bhanga & Char Bhadrason of
Faridpur district. It was Cash for Work type project generating 50,000 person days of work for most
affected 1,670 families. There were two types of beneficiaries such as labour who performing earth work
of selected schemes and homestead or individual owners, different institute or community. UNDP funded
Tk.52 lakh for implementing the project activities. Through the project 27 village roads, 32 homesteads,
premises of 17 education institutes, 27 religious centers, 2 market places and one community center were
reconstructed. The work of one nursery rising and one pond re-excavation were also performed during
the project period. It was strongly monitored and supervised for quality earth work through proper
dressing, leveling, compacting etc.
vi. BEES postponed the collection of installment of loan for four months from the Sidr and flood affected
borrowers considering the cruel situation of that period.

7.0 SUPPORT PROGRAM
With a view to creating opportunities to improve knowledge, skills and abilities (KSA) for the respective
stakeholders as well as keeping program performance on the right track, BEES is executing such support
programs as training , BCC/IEC, advocacy, social networking, research, monitoring & evaluation and so
on. These support programs help the existing core programs achieve the programmatic objective and
goals as a whole. They comprise the activities like developing and improving organizational health culture
and effectiveness, creating learning culture, building positive perception and feeling about the desired
outcome, improving quality of performance, developing relationships and maintaining liaison with
stakeholders, enhancing the means and avenues of behavior change, leadership development &
motivation, improving effectiveness in performance, incorporation new skills and ideas, conveying
relevant and useful information & messages to the programs participants, identifying effective strategies
for improving performance, providing necessary guidelines for prosperity mobilization, reviewing
programs and projects profoundly and the list goes on. These activities have been making development
programs step forward that community based initiatives are being orchestrated in response to the demand
derived from the field-based interventions successfully.
7.1 Training
Training is necessary in the field of development work by which stakeholders are able to learn new
information, re-learn and reinforce existing knowledge and skills, and most importantly have time to think
and consider what new options can help them improve their effectiveness in performance i.e.,
implementation. Through such support program based on demand driven approach, human resources are
developed in the way of improving
knowledge, attitudes & practices (KAP)
and enhancing life-skills of the target
groups. BEES has been conducting a
training cell to organize all kinds of
training activities. This cell having need-
based plans is engaged seriously to
ensure the role of training catering to the
programs and projects. To make training
programs more integrated, attractive and
most of all effective, BEES is using
different timely methods like lectures,
demonstration, discussion, computer-
based presentation, programmed
instruction (PI), behavior-modeling, case
studies, role plays, mentoring, job
instruction technique (JIT), transactional
analysis, simulation exercise, exchange
visit and so forth. BEES' training programs
well-equipped with cognitive, behavioral
and management development approach
are developing skills and expertise among
the staff and beneficiaries to prevent
problems from arising and providing tools
to address any skill or performance gaps
within programmatic aspect.
7.1.1 Achievement
During the reporting period, a total of
41,794 trainees received training against
the annual target of 50,000 which shows
more than 83% achievement. Among the

trained persons more than 75% were beneficiaries and 25% were staff. A total of 1,395 training courses were
organized on different topics like credit and savings management, cow and goat rearing, chick and duck
rearing, beef fattening, parent breeder, mini hatchery, broiler and layer rearing, mushroom cultivation, crop
production, nursery production, fish production, human and leadership development, community operational
manual, tailoring, tissue cultured banana production, social mobilization, Development communication,
advocacy, interpersonal communication, behavior change communication, accounts management, monitoring
and supervision, kitchen/homestead gardening, office and personnel management, annual planning and
budgeting, refresher's training for CNP,CNO, FS, WGM, member selection and group formation, BDS/MDA
services, agro-technology etc. for the target beneficiaries and staff of different programs. The courses were
conducted by BEES' resource persons and also by trainers from different training institutes and government
departments. Among the recipients almost 90% were female in case of beneficiaries training and for staff
training about 30% was female.
Under microfinance program, a total of 253 FOs received training on credit and savings management and 133
FOs received refreshers training on member selection & group formation. A total of 26 UMs got training on

monitoring & supervision for credit &
savings management and 18 AMs received
refresher training on monitoring &
supervising staff, office and field
management during the reporting year.
Besides, 4 UMs received refreshers training
on monitoring & supervision for credit &
savings management organized by PKSF.
Apart from these, a total of 47 MIS
officer/Accountant received training on
accounts, MIS & AIS reports and accounts
management of the organization.
Training Center Establishment

Training is an integrated part of BEES'
programs. But there is no training venue of
BEES in the Bogra region to conduct
training sessions. It is conducted through
rental basis venue which is too expensive.
Keeping this in mind BEES has established
a training venue in the rural area with the
aim to conduct training sessions for rural
target beneficiaries and staff in the Bogra
region. It may be rented in the laser period
when BEES training program is not running.
It situates at Sonatala under Bogra district.
7. 2 Information &
Development
Communication
Effective communication fuels the
development programs to be implemented
in down-to-earth method. It is essentially
true that communication bridges the gap
between knowledge and practice. Research
shows - changing knowledge and attitudes
do not necessarily translate into behavior
change. Development communication
organized effort and important catalyst for change creates the opportunities to provide the target groups with
proper and updated information. It is a powerful tool that can improve the chances of success of development
projects and programs. It gets the target groups to change long-established practices or behaviors. So
improvement of knowledge, attitude and practices (KAP) in true sense are brought about at beneficiary level
reaching the target very easily. In the course of field-based intervention, promotional activities help the
development program to turn the target towards reality without encountering much more difficulties. To link
knowledge with changing behavior, BEES is developing timely and necessary messages and material to
organize effective BCC/IEC, advocacy and social mobilization as well as promote human resource
development at field level.
BEES' Information & Development Communication (IDC) Cell has been conducting and organizing all kinds of
development communication programs integrated with core programs at field level through an upgraded
communication strategy. These development programs associated with different promotional activities like
utilization of multi channel media, networking, maintaining liaison with other NGOs and GOs, organizing
popular theatre etc engage and empower the respective stakeholders in the case of implementing programs
and projects resourcefully through a participatory and pragmatic process and approach.

IDC Cell is extensively active in different aspects of strategic communication and facilitating to disseminate
timely, accurate and updated information and messages to specific stakeholders and to the target groups.
It has been preparing operational guidelines/manuals; publishing annual report, organizational brochure,
month planner, quarterly newsletter 'Mathcitra'; purchases & collects magazines, reports, development
related books, promotional materials; prepares script and organizes street theatre; conducts case studies;
develops photo-bank; collaborates with mass-media; continues inter-agency collaboration; prepares
communication materials and other necessary printing materials etc. This cell maintains and develops
BEES' websites as well as keeps them upgraded to ensure proper understanding of BEES' activities to both
internal and external audiences.
7.2.1 Achievement
IDC Cell edited and published Annual Report 2006-07 focusing the target versus achievement on the activities
of different projects/ programs of the organization implemented during the respective year. The report
included a financial statement covering the reporting period as well.
As an advocacy and BCC material the Cell published Desk Calendar 2008 containing month planner, exclusive
messages and photos highlighting its projects and programs. IDC Cell published Wall Calendar'2008
containing exclusive photos and highlighting the program/project activities. Besides, exclusive New Year

Greetings Card and Impact Assessment Study report of Financial Services for the Poorest were published by
IDC cell during the reporting year. IDC cell also developed power point presentations titled 'BEES at a Glance',
'An Introduction to Development Communication', 'Musing on Leadership' and 'Counting on Collective Action'.
IDC cell organized intensive network through building consortium involving more than 35 development
organizations with a view to establishing promising partnership for submitting development programs. A
number of four development programs were developed during the year. Apart from this, under inter-agency
collaboration activities, the cell's personnel participated in different national and international meetings,
seminars, and workshops arranged by the government, non-government and UN agencies during the
reporting period with a view to strengthening the relationship for alliance with them.
Over the reporting period, IDC cell maintained intensive network through building consortium with a view to
establishing promising partnership with different development organizations as well as strengthening their
skills and capacity that development programs might be initiated more effectively and comprehensively.
Partnership with Different Development and Community Based Organizations

Sl.No Name of Partner Organizations Area of Relationship Type of Relationship
Grassroots Health and Rural Organization for Nutrition

01. Education, Water & Sanitation Associate Partner
Initiative (GHARONI)
02. Rural Health and Development Society (RHDS) HIV/AIDS Prevention, Water & Sanitation Associate Partner
03. Shariatpur Development Society (SDS) HIV/AIDS Prevention, Education Associate Partner
04. Rainbow Nari O Shishu Kallyan Foundation HIV/AIDS Prevention Linkage
05. Jatiya Manob Kalyan Mission (JMKM) HIV/AIDS Prevention, Education Associate Partner
06. PAS (Poverty Alleviation Sangstha) Education Linkage
07. Ashar Alo Sangstha (AAS) Child & Maternal Care Linkage
08. Deshasree Unnayan Sangstha Education Associate Partner
09. Manab Kallayan Sangstha (MAKS) Education Associate Partner
10. Sachatan Shahajjo Sangstha (SSS) Education Associate Partner
11. Narail Ashar Alo Foundation Child & Maternal Care Linkage
12. We Are Friends For Human (WAFFH) Child & Maternal Care Linkage
MAC Bangladesh
13. Child & Maternal Care Linkage
(Manifold Assistance Center For Bangladesh)
14. SUPOTH Child & Maternal Care Linkage
15. Srizony Bangladesh Child & Maternal Care Linkage
16 Development Design Consultants Ltd.(DDC) Water & Sanitation Associate Partner
In addition to this, under inter-agency collaboration activities, the cell's personnel participated in different
national and international meetings, seminars, and workshops arranged by the government, non-government
and UN agencies during the reporting period with a view to strengthening the relationship for alliance with them.
7.3 Research, Evaluation & Monitoring

Research, Evaluation & Monitoring (REM) cell has been conducting multidisciplinary studies on various
development issues and subjects of national and global importance efficiently with constant eagerness since
its inception to provide research support to its management and policy maker. Among the mentionable studies
of the cell are to conduct research, surveys, monitoring, evaluation, impact assessment and case studies on
various aspects of the rural and urban development programs. A wide variety of issues are covered through

these studies which focuses issues related to poverty alleviation, socio-economic development, agriculture,
nutrition, health, population, education, environment, women empowerment, employment and income
generating activities, gender and related fields, training, institution building & organizational development, etc.
REM cell emphasizes the importance of effectively sharing of research findings with its stakeholders, such as
BEES management, donors, field mangers and also policy makers and researchers at home and abroad.
Research findings are disseminated through different reports including annual reports. These findings are also
disseminated through workshops/seminars, meetings, journals and articles of newspapers and electronic
media etc.
Achievement
With a strong brightness, firm eagerness and through a consecutive work plan the REM cell conducted several
activities with an efficient streamlined management during the reference year.
REM prepared the organizational annual progress report of 2006-2007 based on target to exhibit the annual
success and failure of the organization. The report helps the BEES management and program managers in
future planning and decision making about the program and helps the other stakeholders for knowing about
the activities of BEES.
An impact analysis on Social Investment Program Project (SIPP), phase-II was conducted to exhibit the
impact of the target beneficiaries as well as the community level regarding socio-economic and environment
aspect of the intervention areas.
Apart from these REM cell performed different works which were not scheduled such as prepared best case
study, research proposal, contribution to prepare project proposal regarding monitoring and evaluation aspect
as need of the technical committee.

7.4 Gender & Rights
Gender equality and women's empowerment are human rights that lie at the heart of development and the
achievement of the Millennium Development Goals. Empowerment is the process of building self-reliance and
the capacity to promote and enhance societal welfare. The concept of the empowerment of women therefore
views women not as dependent, vulnerable and disadvantaged, but as a category of people who are capable
of taking control of their own lives by defining their needs and the strategies to fulfill them. Gender equality,
on the other hand, is the state of men and women being at par in all aspects of life. Women empowerment
is a central strategy in achieving gender equality. Banking on this prime strategy, BEES has been striving to
enable women to take an equal place with men and to participate equally in the development process in order
to achieve control over the social factors on an equal basis with men. It has its vision toward gender
development in true sense entailing collective mobilization to overcome institutionalized discrimination.
Empowerment of women is ill understood at disadvantaged community level. So, BEES had to integrate
gender equality and women's empowerment in its four core areas of development activities, for instance -
X Poverty reduction
X Good governance
X Building social safety net and
X Sustainable development.
BEES aims to increase the number of women in decision-making positions at community level. It has its own
gender policy and gender sensitized service manual. Women group members of BEES are now more aware
of their rights related to early marriage, dowry, mohorana, marriage registration, divorce, inheritance,
ownership of property, family planning and reproductive health and financial solvency. In addition, it also
organizes different supporting programs on a regular basis on gender awareness and sensitization through
internal training, orientation, workshop and advocacy programs. To organize all of these gender development
oriented activities properly, BEES established a well-equipped cell entitled Gender and Rights. Through this
cell, BEES is addressing the endemic problem of violence against women and discrimination. Understanding
and implementing gender and rights approach has become crucial in the field of sustainable development.
Gender & Rights cell initiated some promotional activities such as training, orientation, courtyard meeting,
workshop and advocacy programs over the period 2007-08 to promote legal literacy and awareness of
women's human and legal rights among women and men at community level.
7.4.1 Achievement
During the reporting period the Gender & Rights cell organized a 3-day workshop on 'Gender Analysis and
Planning' from 1st to 3rd July 2007 for its senior level staff. The purpose was to achieve conceptual clarity on
the issue and to develop capacity to encompass gender approach in the policy formulation and program
planning. The narrative report on the workshop was developed and shared with all the participants attended
in the workshop.
Under the reviewing process, through sharing meeting with the policy formulation committee and senior staff
of BEES the cell finalized the gender policy incorporating the suggestions and comments. The gender policy
was also translated into Bangla for intensive sharing and dissemination.
The cell developed a handbook on gender to raise basic and common understanding on gender related issues.
The book will provide necessary information and concept on gender related issues as well as provide support
to relevant on going programs and projects.
As a regular activity the cell facilitated different sessions on gender sensitivity for the newly recruited staff
generally for Field Organizers and Unit Managers during the reference year. Besides, the cell performed non-
schedule works as per organizational need like communication and make liaison with donors for fund raising,
participation in the different seminar and workshop, assist to write proposal, make presentation on 'BEES at
a glance' etc.

8.0 Resource Mobilization
8.1 Human Resource
Human resource is an increasingly broadening term that refers to managing human capital, the people of
an organization. BEES is always searching for better ways to produce best services and outcomes. To
achieve desired goals, BEES has been counting on skilled human resources all along. Hiring the right people
to manage and perform specific jobs, it builds up commitment and loyalty among the staff by keeping them
up to date about organizational plans and programs. It is very much necessary to follow a forward-looking
staff management policy to face ensuing challenges in the development arena constantly. So through the
well-defined framework like Human Resource Development (HRD), BEES is helping employees develop
their personal and organizational skills, knowledge and abilities. Human Resource Development includes
such main activities as employee training, employee career development, performance management and
development, series of planning, key employee identification, moral assistance and organization
development as a whole. It is at the core of activity efficiency and productivity that the organization can
accomplish its work goals collectively and properly. Coping with time and requirement, staff and
beneficiaries of BEES are being provided with necessary orientation and skill development facilities for
enhancing their capacity. During the reporting period it had 3,102 staff working in several
project/programs. A total of 31,143 beneficiaries got IGA and other training and 87,961 beneficiaries got
financial support for sustainable livelihood development. Up to June 2008, the organization integrated
women amounted to 72% at staff level and 95% at group level.
8.1 Financial Resource

Financial resource is a crucial input for provision of adequate and optimum quality services. In order to create
and enhance the organizational economic wealth and capacity, BEES has been capitalizing on creative
financial planning strategies comprising well-defined wealth and risk management implementation policy. It
is very much necessary to ensure availability of adequate financial resources for the implementation of
programs at different level. Thinking over this, BEES is conducting resource mapping, identifying
opportunities to mobilize financial resources and assessing the current status of resource mobilization
regularly in order to utilize all possible supply of financial resources. Thus, BEES is ensuring continuous flow
of program funding and tackling and overcoming any financial shock and vulnerability. To produce quality
outcomes consecutively and have a positive impact on the organizational progress consistently, BEES is trying
to ease its financial dependence on the donors in true sense. In this regard, service charges collected from
revolving loan fund are playing important role in supporting BEES to be self-sufficient. Putting profound
emphasis on women employment generation both in rural and urban areas under its programs, BEES is
making them economically active. Easing overhead cost and making programs and activities more cost
effective, decentralization and delegation of works among staff members are contributing to organizational
sustainability as a whole.
Howlader Yunus & Co. HEAD OFFICE
Phone : 880-2-9554119, 9551872
Fax : 880-2-9552989
CHARTERED ACCOUNTANTS E-mail : hye@howladaryunus.com
67, Dilkusha Commercial Area (2nd Floor) Web : www.holadaryunus.com
Dhaka-1000, Bangladesh
Auditors' Report
The Managing Director

Palli Karma-Sahayak Foundation (PKSF)
PKSF Bhaban, Plot E-4/B
Agargaon Administrative Area
Sher-e-Bangla Nagar
Dhaka-1207.
Subject: Audit of Financial Statements of PKSF and Non-PKSF funded micro credit program
of PKSF's Partner Organization Bangladesh Extension Education Services (BEES) for the year
ended 30 June 2008.
Dear Sir,
We have audited the accompanying Balance Sheet of PKSF's partner organization Bangladesh Extension
Education Services (BEES) registered under the voluntary Social Welfare Department vide registration no.
Dha-02278 dated 10.05.1989 ordinance 1961 pertaining to PKSF funded micro credit program as at 30 June
2008 and related Income and Expenditure Statement, Receipts and Payments Statement and the Cash Flow
Statement for the year then ended. The preparation of these financial statements is the responsibility of the
management of the organization. Our responsibility is to express an independent opinion based on our audit.
We conducted our audit in accordance with Bangladesh Standard on Auditing (BSA), which are consistent in
all material respects with Bangladesh Accounting Standards and International Accounting
Standards/International Financial Reporting Standards (IAS/IFRSs) as adopted in Bangladesh. Those
standards require that we plan and perform the audit to obtain reasonable assurance about whether the
financial statements are free of material misstatement. An audit also includes examining, on a test basis,
evidence supporting the amounts and disclosures in the financial statements.
In our opinion, the Financial Statements referred to above, prepared in accordance with Bangladesh
Accounting Standards (BAS), give a true and fair view of the state of the affairs of Bangladesh Extension
Education Services (BEES) as of 30 June 2008 and of the results of its operations and its cash flows for the
year then ended and comply with all applicable laws and regulations including PKSF guidelines.
We also report that:

a. We have obtained all the information and explanations which to the best of our knowledge and belief
were necessary for the purpose of our audit and made due verification thereof.
b. Bangladesh Extension Education Services (BEES) has followed PKSF guidelines properly so far as it
appeared from our examination of those books.
c. In our opinion, the Balance Sheet, the Income and Expenditure Statements, Cash Flow Statement
and Receipts and Payments Statement dealt with by the report are in agreement With the books of
accounts.
Howlader Yunus & Co.

Chartered Accountants
Dated: September 14, 2008

Bangladesh Extension Education Services (BEES)
PKSF AND NON PKSF FUNDED MICRO CREDIT PROGRAM
BALANCE SHEET
AS AT JUNE 30,2008
30-Jun-08 30-Jun-07
PARTICULARS
PKSF Non-PKSF Total PKSF Non-PKSF Total
PROPERTY AND ASSETS :
A. Fixed Assets : 28,169,377 161,627 28,331,004 10,878,829 169,906 11,048,735
Fixed Assets at Cost 31,795,701 200,362 31,996,063 13,646,214 190,682 13,836,896
Less: Acc.Depreciation 3,626,324 38,735 3,665,059 2,767,385 20,776 2,788,161
B. Investments: 50,696,524 11,705 50,708,229 29,209,155 11,705 29,220,860
Savings FDR 27,364,708 - 27,364,708 17,364,708 - 17,364,708
LLP FDR 20,600,000 - 20,600,000 9,200,000 - 9,200,000
DMF FDR 750,000 - 750,000 750,000 - 750,000
Depreciation FDR 800,000 - 800,000 800,000 - 800,000
LLPI 314,323 11,705 326,028 567,040 11,705 578,745
DMFI 746,074 - 746,074 492,402 - 492,402
DRFI 121,419 - 121,419 35,005 - 35,005
C. Loan to Beneficiaries 447,676,513 17,444,301 465,120,814 500,194,226 19,594,327 519,788,553
D. Current Assets: 51,949,855 199,475 52,149,330 66,247,378 231,473 66,478,851
Accounts Receivable 37,778,652 - 37,778,652 60,900,563 - 60,900,563
Advance & Prepayments 1,320,332 42,000 1,362,332 1,141,758 49,500 1,191,258
Loan to Staff 7,382,816 157,475 7,540,291 2,156,630 181,973 2,338,603
Interest receivable on FDR 5,468,055 - 5,468,055 2,048,427 - 2,048,427
Cash and Bank Balances 18,124,489 1,688,571 19,813,060 16,449,336 2,400,903 18,850,239
Cash in hand 1,348,315 115,121 1,463,436 1,313,559 132,230 1,445,789
Cash at bank 16,776,174 1,573,450 18,349,624 15,135,777 2,268,673 17,404,450
Cash in transit 0 -
Total Assets & Properties 596,616,758 19,505,679 616,122,437 622,978,924 22,408,314 645,387,238
FINANCED BY :
A. Capital And Reserves: 74,156,059 (85,638) 74,070,421 71,834,822 1,790,724 73,625,546
Fund Account 74,156,059 (85,638) 74,070,421 71,834,822 1,790,724 73,625,546
Land Revaluation Reserve 17,277,544 - 17,277,544
B. Long term Liabilities:
Loan from PKSF 84,998,239 - 84,998,239 140,961,093 - 140,961,093
Loan from SAIP 4,286,600 4,286,600 - 4,286,600 4,286,600
C. Current Liabilities: 420,184,916 15,304,717 435,489,633 410,183,009 16,330,990 426,513,999
Members Saving Deposits 145,974,671 4,334,523 150,309,194 155,740,697 6,861,284 162,601,981
Loan from PKSF 174,019,096 - 174,019,096 134,983,714 - 134,983,714
Special Savings Deposit 13,776,193 237,350 14,013,543 14,156,259 213,026 14,369,285
Accounts Payable 60,263,151 8,916,409 69,179,560 65,649,369 8,871,972 74,521,341
Provident Fund 6,890,377 100,000 6,990,377 16,466,282 - 16,466,282
Gratuity Fund - 182,844 182,844 2,204,210 182,844 2,387,054
Security Deposit 3,698,060 177,793 3,875,853 2,843,937 154,871 2,998,808
Security Deposit 2002 2,555,813 146,245 2,702,058 1,775,468 45,432 1,820,900
Loan Loss Provision Fund 4,428,201 1,194,611 5,622,812 14,709,389 1,561 14,710,950
Desaster Management Fund 2,507,240 7,162 2,514,402 1,601,295 - 1,601,295
Emergency Savings 5,930,108 7,780 5,937,888
DRF 142,006 142,006 52,389 - 52,389
Total Fund & Liability 596,616,758 19,505,679 616,122,437 622,978,924 22,408,314 645,387,238
Annexed notes from 1.00 to 26.00 form an integral part of the financial statements.
Executive Director Chief Finance Officer
Signed in terms of our separate report of even date annexed


INCOME STATEMENT
FOR THE YEAR ENDED JUNE 30, 2008
FY - 2007-2008 FY - 2006-2007
PARTICULARS NOTES Taka
PKSF Non-PKSF Total PKSF Non-PKSF
INCOME :
MCP Loan Service Charges received: 102,813,800 2,964,282 105,778,082 86,390,315 3,557,442 89,947,757
Grant from PKSF 1,401,302 1,401,302 12,713,727 12,713,727
Bank Interest 72,492 41,991 114,483 133,729 70,016 203,745
Sales of Form & pass book 903,860 44,910 948,770 1,227,115 70,580 1,297,695
Admmission Fee 343,310 12,740 356,050 705,230 600 705,830
FDR Interest 3,419,628 3,419,628 1,825,508 1,825,508
LLPI interest 2,949 2,949 31,869 31,869
DMFI interest 6,965 6,965 26,316 26,316
DRFI interest 2,319 2,319
Members' Contribution 8,987 8,987 85,631 85,631
BEES Contribution - 1,100,000 1,100,000
Motor cycle interest 71,968 2,646 74,614 29,196 444 29,640
Training income 555,063 555,063
Service charge from branches - -
Others income 2,735,006 51,650 2,786,656 1,926,117 60,536 1,986,653
Total : 112,337,649 3,118,219 115,455,868 106,194,753 3,759,618 109,954,371
EXPENDITURE:
Service Charge Paid to PKSF 8,976,419 8,976,419 13,081,512 - 13,081,512
Service Charge Paid to Non-PKSF 161,801 161,801 - 662,638 662,638
Service Charge Paid to Banks 7,025,663 7,025,663
Salary & Bonus 52,347,458 2,391,746 54,739,204 41,882,184 2,115,639 43,997,823
Printing & Stationery 2,331,983 98,204 2,430,187 4,134,213 143,570 4,277,783
Office Rent 4,524,750 155,400 4,680,150 3,769,381 147,800 3,917,181
Training 1,451,454 3,952 1,455,406 11,962,846 7,012 11,969,858
Traveling & Allowance 4,155,100 150,232 4,305,332 3,097,074 176,377 3,273,451
Telephone Bill 371,425 8,955 380,380 544,939 19,146 564,085
Fuel 732,674 55,428 788,102 1,096,265 22,853 1,119,118
Electricity Bill 583,917 32,224 616,141 624,582 28,881 653,463
Entertainment 385,013 23,079 408,092 386,151 27,219 413,370
Interest on Savings 7,782,117 295,040 8,077,157 6,860,838 295,665 7,156,503
Bank Charge & Commision 815,909 11,635 827,544 933,917 19,270 953,187
Insurance Premium 426,906 426,906 202,312 - 202,312
Interest on Individual Loan - 187,600 - 187,600
Income Tax 290,736 290,736 161,000 - 161,000
PF. Contribution 2,343,187 96,103 2,439,290 1,761,458 77,745 1,839,203
Gratuity Contribution 3,585,610 161,174 3,746,784 2,882,650 121,252 3,003,902
Audit Fee - 100,000 - 100,000
Interest on PF 554,398 554,398 1,324,873 - 1,324,873
Interest on Gratuity - 163,275 - 163,275
LLPE 6,726,092 1,193,050 7,919,142 5,007,759 154,780 5,162,539
DMFE 929,958 7,162 937,120 777,995 777,995
DRFE 52,451 52,451 44,672 - 44,672
Depreciation 858,939 17,959 876,898 874,057 18,879 892,936
Miscellaneous Expenditure 2,764,253 121,437 2,885,690 2,194,545 120,089 2,314,634
Contribution to FSP - - - -
Bad Debts - - - -
Consultancy Fees 10,000 10,000 - - -
Sub Total 110,016,412 4,994,581 115,010,993 104,056,098 4,158,815 108,214,913
Excess/(Deficit) of Income Over Expenditure 2,321,237 (1,876,362) 444,875 2,138,655 (399,197) 1,739,458
Total: 112,337,649 3,118,219 115,455,868 106,194,753 3,759,618 109,954,371
Executive Director Chief Finance Officer


CASH FLOW STATMENT
for the year ended 30 June 2008
FY - 2007-2008 FY - 2006-2007
PARTICULARS
PKSF Non-PKSF Total PKSF Non-PKSF Total
A. Cash flow from Operating Activities :
Excess of income over expenditure (Surplus) 2,321,237 (1,876,362) 444,875 2,138,655 (399,197) 1,739,458
Add: Amount considered as non cash item - - - -
LLP provision (10,281,188) 1,193,050 (9,088,138) 9,783,135 (601,867) 9,181,268
DMF provision 905,945 7,162 913,107 865,051 (30,442) 834,609
DRF provision 89,617 89,617
Depreciation for the year 858,939 17,959 876,898 1,959,655 18,879 1,978,534
Pre-acquisition profit - - (21,424,930) (21,424,930)
Capital adjustment - 18,296,554 (31,012,133) (12,715,579)
Sub total of non cash item (6,105,450) (658,191) (6,763,641) 33,043,050 (53,449,690) (20,406,640)
Loan desbursment to beneficiaries 52,517,713 2,150,026 54,667,739 (242,295,673) 83,246,521 (159,049,152)
Receivable 23,121,911 23,121,911 (28,539,336) 940,481 (27,598,855)
Advance (178,574) 7,500 (171,074) (957,080) 1,632,445 675,365
Staff loan (5,226,186) 24,498 (5,201,688) (585,463) - (585,463)
Interest on FDR (3,419,628) (3,419,628) 153,200 - 153,200
Accounts Payable (5,386,218) 44,437 (5,341,781) 64,752,323 (330,234) 64,422,089
Net cash from/Used in operating Activities 55,323,568 1,568,270 56,891,838 (174,428,979) 32,039,523 (142,389,456)
B. Cash Flow from Inverting Activities: - -
Fixed Assets purchased (18,149,487) (9,680) (18,159,167) (9,852,742) - (9,852,742)
Fixed Assets transfer to PKSF - - 5,557,657 5,557,657
Savings FDR (10,000,000) (10,000,000) (1,978,708) - (1,978,708)
LLP FDR (11,400,000) (11,400,000) (6,200,000) - (6,200,000)
DMF FDR - (750,000) - (750,000)
Dep. FDR - (800,000) - (800,000)
LLPI 252,717 252,717 1,113,900 (1,561) 1,112,339
DMFI (253,672) (253,672) 148,046 23,980 172,026
DFRI (86,414) (86,414) (35,005) - (35,005)
General Fund - - 34,504,349 34,504,349
Net cash Used in Investing Activities (39,636,856) (9,680) (39,646,536) (18,354,509) 40,084,425 21,729,916
C. Cash Flow from Financing Activities: - -
Loan from PKSF (16,927,472) (16,927,472) 84,822,507 - 84,822,507
Loan from Banks,individuals - - (35,805,174) (35,805,174)
Member savings deposits (9,766,026) (2,526,761) (12,292,787) 76,840,343 (22,540,341) 54,300,002
Spacial savings (380,066) 24,324 (355,742) 5,036,024 (3,078,078) 1,957,946
Emergency Savings 5,930,108 7,780 5,937,888
Provident fund (9,575,905) 100,000 (9,475,905) 16,466,282 (15,109,679) 1,356,603
Gratuity fund (2,204,210) (2,204,210) 2,204,210 (154,206) 2,050,004
Security deposit 854,123 22,922 877,045 1,928,922 (919,499) 1,009,423
Security deposit - 02 780,345 100,813 881,158 997,559 (489,375) 508,184
DRF - 52,389 - 52,389
Land revaluation reserve 17,277,544 17,277,544
Fund in transit - 1,400,000 - 1,400,000
Net cash used in Financing Activities (14,011,559) (2,270,922) (16,282,481) 189,748,236 (78,096,352) 111,651,884
D.Net increase/decrease (A+B+C) 1,675,153 (712,332) 962,821 (3,035,252) (5,972,404) (9,007,656)
E.Cash & Bank Balance at the Beginning of the Year 16,449,336 2,400,903 18,850,239 19,484,588 8,373,307 27,857,895
F.Cash & Bank Balance at the End of the Year 18,124,489 1,688,571 19,813,060 16,449,336 2,400,903 18,850,239

S F AHMED & CO. House 25, Road 13A Telephone: (880-2) 9894026, 9894346
Block D, Banani 8815102, 8833327
Dhaka 1213 Fax: (880-2) 8825135, 8814713
C H A R T E R E D A C C O U N T A N A T S Bangladesh E-mail: sfali@connectbd.com
sfacoali@btcl.net.bd
.........Since 1958
sfaco@dhaka.net
Auditors' Report
We have audited the accompanying Balance Sheet of General Fund of BANGLADESH EXTENSION EDUCATION
SERVICES (BEES) as of 30 June 2008 and the related Income and Expenditure Statement and Receipts and
Payments Statement for the year then ended. The preparation of these financial statements is the
responsibility of the BEES's management. Our responsibility is to express an independent opinion on these
financial statements based on our audit.
We conducted our audit in accordance with Bangladesh Standards on Auditing (BSA). Those standards require
that we plan and perform the audit to obtain reasonable assurance about whether the financial statements
are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the
amounts and disclosures in the financial statements. An audit also includes assessing the accounting
principles used and significant estimates made by management, as well as evaluating the overall financial
statement presentation. We believe that our audit provides a reasonable basis for our opinion.
In our opinion, the Financial Statements prepared in accordance with Bangladesh Accounting Standards
(BAS), give a true and fair view of the state of the affairs of the General fund of BEES as of June 30 2008
and of the results of its operations for the year then ended.
a) We have obtained all the information and explanations which to the best of our knowledge and
belief were necessary for the purposes of our audit and made due verification thereof.
b) In our opinion, proper books of account as required by law have been kept by BEES so far as it
appeared from our examination of those books; and
c) the financial Statements dealt with by the report are in agreement with the books of account and
returns.
Dated, Dhaka, S.F. Ahmed & Co.

17 December 2008 Chartered Accountants

BANGLADESH EXTENSION EDUCATION SERVICES [BEES]
General fund
Balance sheet
as at 30 June' 2008
Note Amount in Taka
FY 2007-2008 FY 2006 - 2007
Sources of Fund
General Fund 2 (21,625,996) (21,669,303)
Vehicle fund 3 1,612,900 1,612,900
Borrowing from Vehicle Fund 1,022,337 1,022,337
Current liabilities:
For others 4 22,222,506 10,146,442
For expenses 5 3,162,520 110,000
Payable to Revolving Loan Fund (RLF) 6 16,193,005 16,706,485
44,213,268 29,598,164
Total: 22,587,272 7,928,861
Application of Fund
Fixed assets (at cost less accumulated
7 996,542 1,139,054
depreciation)
Current assets:
Advances 8 271,955 60,012

Loan to PLCEHD-1Projects 9 - -
Receivables 10 214,524 6,000
Loan to Various Projects 11 17,943,873 5,696,113
18,430,352 5,762,125
Cash and bank balances:

Cash in hand 12 23,792 -
Cash at bank 13 3,136,586 1,027,682
Total: 22,587,272 7,928,861
The annexed notes form an integral part of this financial statement.
Executive Director Cotroller of Finance & Accounts
Dated, Dhaka S. F. Ahmed & Co.

December 17, 2008 Chartered Accountants.

BANGLADESH EXTENSION EDUCATION SERVICES [BEES]
General fund
Income and expenditure Statement
for the year ended 30 June 2008
Particulars Note Amount in Taka
FY 2007-2008 FY 2006-2007
A. Income
Management Cost 3,240,090 4,491,936
Surplus of Various Projects 13 2,197,143 10,790,131
Profit on Sale of Motor Cycle 291,004 70,781
Miscellaneous income 14 38,827 41,456
Total: 5,767,064 15,394,304
B. Expenditure
Salaries and benefits 15 1,707,638 32,960
Travelling,Conveyance & Allowance 16 63,851 10,527
Office supplies 17 1,167,127 13,926
Office Rent 33,750 -
Utilities 18 1,227,028 630
Postage,Telephone & Fax 3,555 7,442
Repair & Maintenance 19 327,617 58,151
Audit fees 70,000 60,000
Miscellaneous expenses 20 51,478 12,315
Registration & renewal fees 8,660
Cyclone sidr 76,962
Meeting & Seminer 20,680
Depreciation 137,916 163,382
Membership fees 6,000 20,000
Casual labour 570
Contribution to various projects 21 354,763 152,614
Doantion 10,000
P.F Contribution 64,894 1,440
Gratuity Contribution 374,266 -
Legal Expenses 300
Health Programme Expenses 11,603 -
Flood Contribution 5,099
Total: 5,723,757 533,387
Excess/(Shortage) of income over
43,307 14,860,917
expenditure:(A - B)
The annexed notes form an integral part of this financial statement.
Executive Director Cotroller of Finance & Accounts
Dated, Dhaka S. F. Ahmed & Co.

December 17, 2008 Chartered Accountants.

Habib Sarwar & Co. DHAKA OFFICE:
EASTERN COMMERCIAL
Chartred Accountants COMPLEX
73 KAKRAIL, CHAMBER # 704
DHAKA-1000
PHONE : 9335974, FAX : 9347421
MOBILE : 0171-535332
E-MAIL : mhabib@bangla.net
AUDITOR'S REPORT
The Executive Director & Line Director

Government of the People's Republic of Bangladesh
Ministry of Health & Family Welfare
National Nutrition Programme (NNP)
House No-46, Road No-5, Dhanmondi
Dhaka-1205.
We have audited the accompanying Balance Sheet of "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" as at April 30,2008 and related
Income & Expenditure Statement, Receipts & Payments Account and notes and schedules there to for the
period from January 01,2008 to April 30,2008. The preparations of these financial statements are the
responsibility of BEES's management. Our responsibility is to express an independent opinion on this financial
statement based on our audit.
Standard/International Financial Reporting Standards IAS/IFRS as adopted in Bangladesh. Those standards
require that we plan and perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements. An audit also includes assessing the
accounting principles used and significant estimates made by the management, as well as evaluating the
overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.
In our opinion, the Financial Statements, prepared in accordance with Bangladesh Accounting Standards
(BAS), give a true and fair view of the state of the "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" affairs for the period from January
01,2008 to April 30,2008 and of the results of its operations and complies with all applicable laws and
regulations.
a) We have obtained all the information and explanations which to the best of our knowledge and
belief were necessary for the purpose of our audit and made due verification thereof.
b) NNP guidelines have been followed by BEES, so far as it appeared from our examination of those
books and records.
c) In our opinion, the Balance Sheet, Income and Expenditure Statement, Receipts and Payments
Account dealt with by the report are in agreement with the books of accounts.
Dhaka, August 20, 2008 Habib Sarwar & Co.


Habib Sarwar & Co.
BANGLADESH EXTENSION EDUCATION SERVICES (BEES)

NATIONAL NUTRITION PROGRAMME (NNP), CORE SERVICES
NAME OF UPAZILA: SADARPUR, BHANGA, MADARIPUR SADAR
TUNGIPARA, MUKSHEDPUR & GOPALGONJ SADAR
CONTRACT # S-10, AREA PACKAGE # 10
BALANCE SHEET
AS AT APRIL 30, 2008
AMOUNT IN TAKA
PARTICULARS NOTE
APRIL 30, 2008
PROPERTY & ASSETS:
Fixed Assets:
At Cost (As per schedule) 108,000
Current Assets:
Cash & Bank Balance 8 139,200
Fund Receivable From NNP 9 11,166,326
Total Assets 11,413,526
FUND & LIABILITIES:
Capital fund 10 (1,010,074)
Loan Fund:
BEES General Fund 11 5,192,648
Current Liabilities:
Provision for Expenditure 12 7,230,952
Total Fund & Liabilities 11,413,526
1. The accompanying notes form an integral part of this financial statement.

2. Signed in terms of our separate report of even date annexed.


Habib Sarwar & Co.

INCOME & EXPENDITURE STATEMENT
FOR THE PERIOD FROM JANUARY 01, 2008 TO APRIL 30, 2008
FROM CUMULATIVE FROM

FROM JANUARY FROM JANUARY 01, 2008
PARTICULARS NOTE 01, 2008 TO APRIL TO
30, 2008 APRIL 30, 2008
AMOUNT IN TAKA AMOUNT IN TAKA
INCOME:
Donor Grants 11,166,326 11,166,326
Total 11,166,326 11,166,326
EXPENDITURE:
Salaries & Benefits 13 6,584,265 6,584,265
-
Travelling & Other Allowances 14 119,075 119,075
-
Rent, Utilities & Stationeries 15 168,042 168,042
-
Maintenance & General Expenses 16 309,340 309,340
-
Meeting Expenses 17 546,786 546,786
-
Training & Refreshers 18 1,400,181 1,400,181
-
Supplementary Feeding & Program
19 1,259,591 1,259,591
Expenses
-
Management Cost 20 779,046 779,046
-
Total 11,166,326 11,166,326
Net Surplus - -


Habib Sarwar & Co.
RECEIPTS & PAYMENTS ACCOUNT
FOR THE PERIOD FROM JANUARY 01, 2008 TO APRIL 30, 2008

FROM JANUARY FROM JANUARY 01,
SL. PARTICULARS NOTE 01, 2008 TO 2008 TO APRIL 30,
APRIL 30, 2008 2008
RECEIPTS:
Opening Balance:
Cash in hand 9,246 9,246
Cash at bank 30,471 30,471
Received from NNP 8,807,385 8,807,385
Loan from General Fund 5,971,000 5,971,000
Unit Office 80,000 80,000
Total 14,898,102 14,898,102
PAYMENTS:
1 Salaries/Honorarium of Core Programme Staff:

Upazila Manager 240,000 240,000
Field Supervisor 1,004,758 1,004,758
Accountant 138,000 138,000
Support Staff 77,000 77,000
MLSS/ Messenger 69,000 69,000
CNOs 518,653 518,653
CNPs 3,229,543 3,229,543
2 Travelling and other allowances: -
UFPO 12,000 12,000
Field Supervisors 55,973 55,973
CNOs 37,047 37,047
-
3 Office Rent and Utilities at Upazila level: -
Office Rent 130,000 130,000
Meeting Cost, Upazila 11,485 11,485
Meeting Cost, Union 62,088 62,088
Meeting Cost, Village 467,624 467,624
Meeting Cost for Municipal Committee 1,195 1,195
Meeting Cost, Technical 4,394 4,394

FROM JANUARY 01, FROM JANUARY 01,
SL. PARTICULARS NOTE 2008 TO APRIL 30, 2008 TO APRIL 30,
2008 2008
4 Stationary for Upazilla office -
5 Transport, Equipment, Furniture: -
Motor Cycle Fuel Cost 14,394 14,394
Boat Fare for CNOs and Supervisors 23,825 23,825
6 Vehicle Maintenance: -
Motor Cycle Maintenance Cost -
7 Utensils and Other Logistics: -
GMP Card - -
Replacement of Logistics 30,298 30,298
Office Stationeries for CNC 48,042 48,042
8 Supplementary Feeding 1,239,921 1,239,921
9 Referral Cost 125,503 125,503
10 Sanitation -
Maintenance Cost for each Latrine 96,388 96,388
11 CNC Maintenance 240,823 240,823
12 CNO Refreshers Training 132,348 132,348
13 CNP Refreshers Training 1,245,583 1,245,583
14 Women Group Refreshers Training 358,250 358,250
15 Management Cost 460,317 460,317
16 Loan refund to BEES General Fund 4,604,450 4,604,450
17 Unit Office 80,000 80,000
18 Closing Balance: -
Cash in Hand 7,735 7,735
Cash at Bank 131,465 131,465
Total 14,898,102 14,898,102
- -


AUDITOR'S REPORT
The Executive Director & Line Director

Government of the People's Republic of Bangladesh
Ministry of Health & Family Welfare
National Nutrition Programme (NNP)
House No-46, Road No-5, Dhanmondi
Dhaka-1205.
We have audited the accompanying Balance Sheet of "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" as at December 31,2007 and related
Income & Expenditure Statement, Receipts & Payments Account and notes and schedules there to for the
period from December 11, 2007 to December 31, 2007. The preparations of these financial statements are
the responsibility of BEES's management. Our responsibility is to express an independent opinion on this
financial statement based on our audit.
Standard/International Financial Reporting Standards IAS/IFRS as adopted in Bangladesh. Those standards
require that we plan and perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements. An audit also includes assessing the
accounting principles used and significant estimates made by management, as well as evaluating the overall
financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.
In our opinion, the Financial Statements, prepared in accordance with Bangladesh Accounting Standards
(BAS), give a true and fair view of the state of the "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" affairs for the period from December
11, 2007 to December 31, 2007 and of the results of its operations and complies with all applicable laws and
regulations.
a) We have obtained all the information and explanations which to the best of our knowledge and belief
were necessary for the purpose of our audit and made due verification thereof.
b) NNP guidelines have been followed by BEES, so far as it appeared from our examination of those
books and records.
c) In our opinion, the Balance Sheet, the Income and Expenditure Statement, Receipts and Payments
Account dealt with by the report are in agreement with the books of accounts.
Dhaka, January 24, 2008 Habib Sarwar & Co.


Habib Sarwar & Co.

BALANCE SHEET
AS AT DECEMBER 31, 2007
AMOUNT IN TAKA
PARTICULARS NOTE
31.12.2007
PROPERTY & ASSETS:
Fixed Assets:
At Cost (As per schedule) 108,000
Current Assets:
Cash & Bank Balance 8 39,717
Fund Receivable From NNP 9 8,915,385
Total Assets 9,063,102
FUND & LIABILITIES:
Capital fund 10 (902,074)
Loan Fund:
BEES General Fund 11 3,826,098
Current Liabilities:
Provision for Expenditure 12 6,139,078
Total Fund & Liabilities 9,063,102
1. The accompanying notes form an integral part of this financial statement.

2. Signed in terms of our separate report of even date annexed.


Habib Sarwar & Co.


INCOME & EXPENDITURE STATEMENT

FOR THE PERIOD FROM DECEMBER 11, 2007 TO DECEMBER 31, 2007
CUMULATIVE
FROM FROM
FROM
JULY 01, 2007 DECEMBER 11,
JULY 01, 2007
TO 2007
TO
PARTICULARS NOTE DECEMBER 10, TO
DECEMBER 31,
2007 DECEMBER 31,
2007
AMOUNT IN 2007
AMOUNT IN
TAKA AMOUNT IN TAKA
TAKA
INCOME:
Donors Grants 13 17,129,894 3,400,891 20,530,785
Total 17,129,894 3,400,891 20,530,785
EXPENDITURE:
Salaries & Benefits 14 8,232,413 1,651,571 9,883,984
-
Travelling & Other Allowances 15 147,290 29,484 176,774
-
Rent, Utilities & Stationeries 16 210,035 41,966 252,001
-
Maintenance & General Expenses 17 381,958 92,725 474,683
-
Meeting Expenses 18 689,758 139,086 828,844
-
Refresher's Training 19 1,659,291 617,744 2,277,035
-
Supplementary Feeding &
20 4,614,040 591,044 5,205,084
Program Expenses
-
Management Cost 21 1,195,109 237,271 1,432,380
Total 17,129,894 3,400,891 20,530,785
Net Surplus - - -


Habib Sarwar & Co.
RECEIPTS & PAYMENTS ACCOUNT
FOR THE PERIOD FROM DECEMBER 11, 2007 TO DECEMBER 31, 2007
FROM CUMULATIVE
FROM
DECEMBER 11, FROM
JULY 01, 2007
2007 JULY 01, 2007
TO
SL. PARTICULARS NOTE TO TO
DECEMBER 10,
DECEMBER 31, DECEMBER 31,
2007
2007 2007
AMOUNT IN TAKA
RECEIPTS:
Opening Balance:
Cash in hand 5,353 16,671 5,353
Cash at bank 14,854,958 6,087,762 14,854,958
Received from NNP 22 13,076,356 - 13,076,356
Loan from General Fund 8,747,100 1,338,000 10,085,100
Total 36,683,767 7,442,433 38,021,767
PAYMENTS:
1 Salaries of ABCN Staff:
Upazila Manager 260,000 110,000 370,000
Field Supervisor 1,127,750 465,000 1,592,750
Accountant 156,000 66,000 222,000
Support Staff 84,000 42,000 126,000
MLSS/ Messenger 72,000 30,000 102,000
CNO 1,075,433 529,741 1,605,174
CNP 6,637,122 3,019,217 9,656,339
2 Travelling and other allowances:
ATFPO 14,980 3,000 17,980
Field Supervisor 69,863 13,984 83,847
CNO 76,943 37,900 114,843
3 Office Rent and Utilities at Upazila level:
Office Rent 140,000 35,000 175,000
Meeting Cost, Upazila 14,932 2,998 17,930
Meeting Cost, Union 77,677 15,550 93,227
Meeting Cost, Village 589,928 119,040 708,968
Meeting Cost, Technical 5,750 1,198 6,948
Meeting Cost for Municipal Committee 1,471 300 1,771

Habib Sarwar & Co.
FROM FROM CUMULATIVE

JULY 01, 2007 DECEMBER 11, FROM
TO 2007 JULY 01, 2007
SL. PARTICULARS NOTE DECEMBER 10, TO TO
2007 DECEMBER 31, DECEMBER 31,
AMOUNT IN 2007 2007
TAKA AMOUNT IN TAKA AMOUNT IN TAKA
4 Stationary for Upazilla office - - -
5 Transport, Equipment, Furniture:
Motor Cycle Fuel Cost 18,507 2,992 21,499
Boat Fare for CNOs and Supervisors 29,737 5,960 35,697
6 Vehicle Maintenance:
Motor Cycle Maintenance Cost - -
7 Utensils and Other Logistics:
GMP Card 362,100 - 362,100
Replacement of Logistics 36,179 23,675 59,854
Office Stationeries for CNC 57,225 14,776 72,001
8 Supplementary Feeding 6,774,558 1,696,305 8,470,863
9 Referral Cost 224,001 69,245 293,246
10 Sanitation
Maintenance Cost for each Latrine 123,844 19,725 143,569
11 CNC Maintenance 297,535 60,098 357,633
12 CNO Refreshers Training 51,815 63,236 115,051
13 CNP Refreshers Training 526,226 591,458 1,117,684
14 Women Group Refreshers Training 351,250 357,050 708,300
15 Loan refund to General Fund 9,223,213 - 9,223,213
16 Management Cost 2,099,295 7,268 2,106,563
17 Closing Balance:
Cash in Hand 16,671 9,246 9,246
Cash at Bank 6,087,762 30,471 30,471
Total 36,683,767 7,442,433 38,021,767


Notes

House # 183, Eastern Road, Lane # 2, New DOHS
Mohakhali, Dhaka-1206, Bangladesh
GPO Box-4251, Dhaka-1000, Bangladesh
Tel: 9889732-33, 8713389;
E-mail: info@bees-bd.org
website: www.bees-bd.org, http://beesbd.blogspot.com

Annual Report 07-08 of BEES Edited by Anirudha Alam

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Annual Report 07-08 of BEES Edited by Anirudha Alam

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Acronyms

ABCN Area Based Community Nutrition IDA International Development

Presently, BEES well-managed and well-resourced is sailing ahead constantly to

07 BEES REPORT 07-08

Saiful Islam Robin

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iii. Seba Package

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2.1 Micro-finance Program

Starting micro finance activities way back in 1979

Components of Microfinance Program

Key Features of Loans

b) Micro Finance and Technical Support (MFTS)

c) Ultra Poor Program (UPP)

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d) Financial Services for the Poorest (FSP)

e) Micro Finance for Marginal and Small Farmer (MFMSF)

f) Urban Micro-Credit (UMC)

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h) Seasonal Loan Program (SLP)

iii) Credit Plus Services through Seba Package

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General and Reproductive Health Services

During the reporting period out of total

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Input Delivery Services

Component-wise Loan Disbursement, Number of Members, Outstanding

Total Disbursed Total Total Savings

RMC 52548 1886.95 1667.41 219.53 66.00

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IGA wise Loan Disbursement of Micro Enterprise Component

Sl. No. Name of IGA % of Disbursed Loan

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3.1 Agriculture and Social Forestry

3.1.2 Major interventions

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Agricultural Inputs delivery

Inputs-wise Beneficiaries' Numbers

3.2 Greater Rangpur Agriculture & Rural Development Project

3.2.2 Major Interventions

3.3 Poultry and Livestock Program

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3.3.2 Major interventions

Category-wise Number of Trainees Received Training from Different Courses

Category wise no. of staff and beneficiaries received

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Rawshanara towards the New

1. Post Literacy and Continuing Education for Human Development (PLCEHD-1)

4.1 Post Literacy and Continuing Education for Human

4.1.1 Achievement PLCEHD-1

i. 6-day long on Post Literacy (PL)

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4.2 Reaching Out of School Children (ROSC)

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4.2.1 Achievement of ROSC

4.3 Pre-Primary Education as Early Child Development