BEES Annual Report 2008-09 Edited by Anirudha Alam

Acronyms
ABCN Area Based Community Nutrition MCH-FP Maternal and Child Health- Family Planning
ADR Alternative Dispute Resolution ME Micro Enterprise
AIDS Acquired Immune Deficiency Syndrome MFMSF Micro Finance for Marginal and Small Farmers
AM Area Manager MFTS Micro Finance and Technical Support
ANC Antenatal Care MMR Maternal Mortality Rate
AP Area Package MO Medical Officer
ARI Acute Respiratory Infection MOPME Ministry of Primary and Mass Education
ATTP Agricultural Technology Transfer Project NEARS Network for Ensuring Adolescent Reproductive Right and
BARC Bangladesh Agriculture Research Council Services
BCC Behavioral Change and Communication NGO Non-Government Organization
BEES Bangladesh Extension Education Services NID National Immunization Day
BKB Bangladesh Krishi Bank NNP National Nutrition Programme
BMI Body Mass Index ODA Official Development Assistance
BNFB Bureau of Non-Formal Education OSD Occupational Skills Development
BP Blood Pressure PAP Poverty Alleviation Program
BPHC Bangladesh Population and Health Consortium PKSF Palli Karma Sahayak Foundation
BRDB Bogra Rural Development Project PLCEHD Post Literacy and Continuing Education for Human
CAR Contraceptive Acceptance Rate Development
CBD Community Based Distribution PNC Postnatal Care
CBHP Community Based Health Program PS Program Supervisor
CC Clinical Contraceptive RDP Rural Development Program
CDD Control of Diarrhoeal Disease REM Research, Evaluation and Monitoring
CE Continuing Education RLF Revolving Loan Fund
CIDA Canadian International Development Agency RMC Rural Micro Credit
CNC Community Nutrition Centre ROSC Reaching Out of School Children
CNO Community Nutrition Organizer RPF Rural Production Farm
CNP Community Nutrition Promoter RTI Reproductive Tract Infection
CRWRC Christian Reformed World Relief Committee SAP Social Assistance Program
DAE Department of Agricultural Extension SF Supplementing Food
DFID Department for International Development SIPP Social Investment Program Project
DMF Diploma in Medical Faculty SM Social Mobilizer
EPI Expanded Program for Immunization SRLP Socio-economic Rehabilitation Loan Project
ERP Education Resource Provider STD Sexually Transmitted Disease
ESP Education Service Provider TB Tuberclosis
FO Field Organizer TBA Trained Birth Attendant
FSP Financial Services for the Poorest TOT Training of Trainer
GOB Government of Bangladesh TT Tetanus Toxoid
GMP Growth Monitoring and Promotion UM Unit Manager
HIV Human Immune Deficiency Virus UP Union Parishad
HNPSP Health, Nutrition and Population Sector Program UPP Ultra Poor Program
HPSP Health and Population Sector Program UMC Urban Micro Credit
HRD Human Resource Development UN United Nations
HSA Health Service Activities UZ Upazila
IDA International Development Agency VDC Village Development Committee
IDC Information and Development Communication VG Vulnerable Group
IEC Information, Education and Communication WATSAN Water and Sanitation
IFR Infant Mortality Rate WGM Weight and Growth Monitoring
IGA Income Generating Activities WI Winrock International
IUD Intra Uterine Device WUSC World University Services of Canada
MATS Medical Assistance Technology School
From the Desk of
Executive Director
Helping them to help themselves
towards self-reliance
Since the inception, BEES has been at the forefront of assuring the
social & economic empowerment, human rights and dignity of
disadvantaged people at community level. We put poverty alleviation
and sustainable development onto BEES' agenda and have been
continuing to work with a broad range of stakeholders to bring about a
better Bangladesh. As a blue print for contributing to achieve a just
society and a decent standard of living for every destitute man, woman
and child, our poverty alleviation program is well-equipped with such
twin key objectives as unlocking the value of neglected human
resources and expanding the scope of social pragmatic change.
BEES has come a long way. But it still has a long way to go. It honors
the past and celebrates the present. Through this praxis, we are
consecutively reflecting on the keys and ways to our success and our
sustainability over 34 years to possess the future stronger and brighter
and make a sustained impact. Catering to the target groups especially
the marginal farmers, landless people, helpless women and
malnourished children, BEES has been operating overarching
development programs cooperating with them. Thus, it is setting the
pace of progress for them through helping get organized to win the race
of prosperity.
One of the crucial secrets to our programmatic achievements is a

profound passionate investment in building the capacity of the
beneficiaries. BEES believes that scaling up life skill in dealing with
challenges is the stepping stone to sustainable development. With this
point of view, it is giving emphasis on leadership development of
neglected human resources for their livelihood development. We have
been stimulating their inner beings through effective promotional
activities similar to training, orientation, community convention,
courtyard meeting and so on. Thus, BEES is bridging the gap between
their aspiration and action to translate the target into reality through
demand driven and integrated approach.
Coping with time and need, BEES is very much responsive to the
existing social issues and never backed away from challenges to
execute its mission. This is another of its 'trademarks'. With this
continuation, it is integrating innovation with implementation constantly
for yielding opportunities of ending poverty for the community people
through their self-reliance and improvement of lifestyle.
BEES is always dreaming of a Bangladesh where human dignity is

valued and no social discrimination is made on any basis. Nowadays, it
is a thriving and wide-spreading development organization
supplementing Millennium Development Goals (MDGs). Over the years
of letting greater majority of the rural and urban poor people to get the
gateway of prosperity for socioeconomic uplift, it has been conducting
different development programs & projects with special emphasis to
Microfinance, Agriculture and Social Forestry, Health & Nutrition and
Education.
07 BEES REPORT 08-09

BEES has been striving to motivate, organize and groom up the deprived men and women through well-coordinated
local resource mobilization that they can work together to form an institution to attain a higher degree of resilience in
managing their own affairs. It has also remained faithful to its core values based on philanthropic beliefs and is
promoting volunteerism, diversity, integrity and responsible accountability. It works across different communities
offering a prosperous scope for the poor especially the destitute women to visualize their potentials through
participatory based holistic approach. We are sharply aware of empowering women resources with a view to doubling
the national development as a whole.
During the reporting period 2008-2009, BEES had to experience colorful situation through trial and error a period of
learning and developing alternative user-friendly means appreciated by the community people. It had to confront
several undesired troubles and difficulties associated with staff dropout and some fund flow constraints which
hampered the implementation of the programs. Nevertheless, BEES attained a significant success in its field-based
interventions. As per the target set in individual program plan, BEES' achievements reached up to the mark.
In 2008-2009, we consistently called for adequate resources to respond to the timely need of the poverty alleviation
demanding deprived people's equal participation in solving their own problems. Counting on the committed and
resourceful collective action contributed by stakeholders' eagerness was our greatest asset and will continue to stem
the spread of vulnerability related to ignorance, illiteracy, environmental pollution, practices of risky behaviors, gender
based violence & discrimination, HIV/AIDS, STD and unemployment.
With the support and encouragement of different target groups and beneficiaries, BEES has been advancing its
priorities on helping them to help themselves towards self-reliance. Thus it is reflecting on human resource
development, financial and social empowerment of disadvantaged community people through providing essential
awareness, know-how, guidance, instruction and much needed credit. Over the reporting year 2008-09, its
Microfinance program and the Micro-enterprise Development initiative played important role to keep up accelerated
employment and income generation in the intervention areas. Covering an estimable achievement in addressing the
health and nutritional status especially of women and children, health & nutrition activities undertook an enhanced
emphasis to provide basic health services to the community people. The activities executed and lessons learned during
the reporting period had performed the groundwork for the upcoming years of successful operations and further
enhancement of initiatives.
Our movement is richly resourced with stakeholders' willing to share their time, expertise and skills. Without their
commitment and contribution breathing life into our efforts, we could not attain the desired results in performing
community based activities. The Almighty rained down great blessings constantly upon us to navigate our journey
ahead over the year 2008-09. We are looking forward in deep faith His all-powerful help for our continuing and
enhancing progress in addressing poverty, disease, hunger and other key development challenges. It is obviously true
that the enthusiasm and determination of all members of BEES-family were the main source of the spirit to further the
goals and objectives each and every day. I am thanking our donors and other development partners for their past and
continued financial, ethical and timely support to our core operation which translated all our initiatives into success.
Simultaneously, I am enormously grateful to the Policy Formulating Body of BEES who contributed with passion to
moving our mission forward as well as for being with us all the time.
This year's annual report is a glance back at where we started and where we are today, a demonstration that reminds
us how rich our history is and how much we have to look forward to. At length, I hope this report chockfull of
presentations on measurable outcomes and impressive accomplishments will be of interest to the esteemed readers.
Saiful Islam Robin

Executive
Summary
Catering to the community

Caring for collective prosperity
Since its inception in 1975 as a project of Christian Reformed World Relief Committee, BEES has been performing to
address the critical needs of deprived community people and empower them for success and leadership in their lives
and communities. It is always envisioning a day when the neglected people can sustain themselves and their families
and are empowered to define and attain their ultimate targets and aspirations, contribute to strong communities and
build a better Bangladesh for everyone. But there are no magic bullets to provide quick solution to the complex
challenge mostly related to poverty, ignorance, illiteracy and ill-health. Addressing this growing reality, BEES is always
striving to yield opportunities for the disadvantaged, illiterate, neglected, unskilled and destitute people, especially the
women of the society, to strengthen their resiliency through scaling up their life skill. It has been assembling a range
of objectives for helping them break the cycle of poverty through their empowerment, self-reliance and improvement
of lifestyle.
Eliminating poverty is being woven into the fabric of BEES over 34 years to place this hallmark initiative at the forefront
of its mission. At present, BEES is a successful, prosperous and wide-reaching development organization promoting
peace, justice and dignity for all and supplementing Millennium Development Goals (MDGs). It has been strengthening
its responsibility to its target groups through executing different programs and projects. It is scaling up its achievement
for socio-economic uplift of the greater majority of the rural and urban poor people letting them cement their footing on
to the road to self-reliance.

Ensuring sustainable development begins with community people - with ensuring that they have enough capacities to
contribute to overall development activities. Thinking over this pivotal point, BEES has been catalyzing community
development through its comprehensive social mobilization and stimulating deprived people's inner beings for dealing with
existing social challenges. Its focusing on leadership development strengthens their capacity to take charge of their own
development at the group and community level. Bringing beneficiaries under the same umbrella of prosperity, BEES is
making them 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 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 beneficiaries covering wide
range of population under its development fold often make BEES bring about changes in the criteria of target group.
With a consecutive presence in the field of social development related activities, BEES' programs tailored to specific
development needs is being fine-tuned for broad-based participation of the local stakeholders and producing optimum
social benefits. Its development initiatives spread to 4,500 villages of 165 upazilas in 30 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.
The poor may be turned into the potential human resources through making them involved with easy finance
comprising savings, favorable access to credit and insurance facilities. In this way, they may be encouraged to invest
their money and effort in productive activities. At the same time, 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. Internalizing all of these significant points, the Microfinance Program of
BEES is promoting economic growth and development by creating a self-sustaining credit service among the poor and
hardcore poor over the years in its intervention areas. BEES provides 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
With a view to making microfinance program more effective, creative and acceptable at community level through
credit plus services, BEES incorporated Seba in its credit activities. It is conducting Seba package for 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:
Insurance
General and Reproductive Health Services
Agricultural Support Services
Funeral Cost
Pre-school
Incentive for Pregnant Mothers (having maximum two children)
Training.

During the reporting year 2008-09, BEES was able
to cope with different unfavorable situations relying
on its proven experience and dynamic
management. Under microfinance program, a total
of 109072 members consisting of 6,386 groups
received support from BEES in this year. Among the
beneficiaries of different components considering
various types of IGAs, the cumulative disbursement
was Tk. 5440.91 million. By the end of the reporting
year Tk. 4922.50 million was found as outstanding
money and the recovery rate was over 98%, reveals
a better performance.
In this year 2008-09, BEES' Agriculture and Social

Forestry program attained a remarkable success. 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 1,05,062
beneficiaries against the target of 1,12,050.
Under Poultry & Livestock Program, BEES

distributed loan of Tk. 86.7 million among 12,248
beneficiaries. Out of total disbursed loan, an
amount of Tk. 24.20 million was disbursed for
poultry farming and the remaining for livestock rearing and farming. A total of 2,480 poultry farms and 4,502 livestock
farms were established, where 39,142 poultry and 14,200 cattle were existing respectively.
Education is necessary to make community people linked with farsighted and pragmatic view. Thinking over this pivotal
point, BEES is implementing different education programs over the years. During the reporting period 2008-09, BEES
operated Post Literacy and Continuing Education for Human Development (PLCEHD-1) and Reaching out of School
Children (ROSC) under its education program. It is mapping out to take comprehensive but more need based
education oriented programs giving emphasis on quality services to its beneficiaries.
BEES has been conducting health programs at community level to improve over all health status of the disadvantaged
community people. It is reducing the occurrence of the common diseases that affect the poor most through the
activities as to providing general health-care, maternal & child health-care, facilitating health education services,
HIV/AIDS prevention, operation of satellite Clinics and so on.
BEES is executing National Nutrition Program (NNP) in its different intervention areas. During 2008-09, BEES provided
the core Area Based Community Nutrition (ABCN) services in 6 upazillas (Tongipara, Gopalgonj Sadar, Muksudpur,
Bhanga, Sadarpur and Madaripur Sadar) under Gopalgonj, Faridpur and Madaripur districts through area package #
10 of the National Nutrition Program. It has been implementing the activities in those areas from December 2003.
BEES has commenced to implement another package # 13 of NNP from May 2008 in 4 upazilas (Fatikchhari,
Hathazari, Anwara and Bashkhali) of Chittagong district. From March 2009, BEES has been implementing Area
Package # 32. There till end June 2009 the household survey was being continued.
Training is the stepping stone to build up the capacity of staff and beneficiaries. During the reporting period, a total
of 61,985 trainees received training. Among the trained persons, more than 75% were beneficiaries and 25% were
staff. A total of 2,479 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, accounts
management, monitoring and supervision, kitchen/homestead gardening, office and personnel management,
annual planning and budgeting and the list goes on. Among the recipients, almost 90% were female in case of
beneficiaries training.

Effective communication is the key precondition to take programs towards achieving the desired goal. So, BEES is very
much aware of utilizing proper and timely means and materials to bring about necessary communication with a view
to implementing program smoothly and efficiently. Over the reporting period of 2008-09, BEES' Information &
Development Communication (IDC) cell performed a range of communication oriented activities like behavior change
communication (BCC), advocacy, networking, social/community mobilization and so on through the scope of message
& material development, audio-video and photography. It edited and published Annual Report 2007-08 focusing the
target versus achievement on the activities of different projects/ programs of the organization implemented during the
respective year. As a part of enhancing the scope of advocacy and BCC, IDC Cell published Desk and Wall calendar
2009 containing month planner, exclusive messages and photos highlighting its projects and programs.
BEES' Research, Evaluation & Monitoring (REM) cell executed several activities with an efficient streamlined
management during the reference year 2008-09. It prepared the organizational progress report of 2006-2009 based
on target to exhibit the annual success and failure of the organization. It conducted an impact analysis on Social
Investment Program Project (SIPP), phase-II to exhibit the impact of the target beneficiaries as well as the community
level regarding socio-economic and environment aspect of the intervention areas.
BEES is always in position for mounting far-reaching development campaign counting on collective action. It is sharing
with the target groups through respective program interventions for steering their own development phenomenally. The
activities implemented and lessons learned during the period of 2008-09 have performed the groundwork
comprehensively for the ensuing years of successful operations and further extension of programs. It is an essential
fact that poverty and its net of escalation lie at the core of the social issues like lack of awareness and insufficient
access to livelihood oriented latest technology & information. So to bridge the gap between aspiration and action of
building long-lasting human capacities at community level, BEES has been continuing to map out means and ways into
its action research for tapping potential of local resources.

Organizational Structure 2008-2009

2.0 Microfinance Program
Microfinance holds a big promise to generate income and employment and alleviate poverty in our country. This, in
turn, has positive social effects at different levels of society. Most of the people of Bangladesh extremely vulnerable to
poverty are deprived of the facilities to borrow, save and invest in productive activities for the lack of access to the
formal banking. With a view to addressing this rigorous and wide ranging problem, the micro-credit program of BEES
(Bangladesh Extension Education
Services) has been striving to reduce
poverty through income generating and
other promotional activities. Consequently,
thousands of poor men and women are
being able to bring about positive changes
in their livelihood every year. They are
being provided with credit at a reasonable
rate that they become able to be involved
in various income generating activities and
thus become financially self-reliant.
Starting the microfinance activities way

back in 1979 through agreement with
Bangladesh Krishi Bank (BKB), BEES
beef up its inclusive social development
program 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.
Ensuring socio-economic uplift and empowering the disadvantaged people especially women through self-reliance, the
social impact of BEES' microfinance is taking place on different levels-
At personal/household level the significant effects are being found:
I. Empowerment of women leading to a higher social status, better education and more independence of women
II. Being well-equipped with basic skills and financial knowledge, having ability to cope with economic shocks by
means of savings, credit and microinsurance products
III. Higher income leading to better access to education, healthcare, sanitary infrastructure, food supply and so
on.
At local community level, the effects are as follows:
Creation of jobs; availability of higher quality of jobs; higher and more stable income of the community; members
start educating and helping each other; triggering entrepreneurship and a healthy competition among community
members.
At regional level, following impacts are prevailing as a whole:
Creation of jobs, strengthening of the microentreprise sector; provision of financial services to rural areas supports
income and employment generation in those areas; in turn, mitigating the pressure on the environment and natural
resources; reducing migration flows to urban areas; widening the scope of sustainable development effectively and
scaling up contribution to achieving Millennium Development Goals.

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.544 crore and recovered Tk. 492 crore up to June, 2009.
Key Features of Loans

Loan range Tk. 4,000-3,00,000 (US $ 57-4286)
Interest rate 12.5% flat (Ultra Poor 9.2%)
Loan recovery rate 99%
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 94 unit offices. Under this program, a total of Tk. 270 crore has been disbursed
as loan and about Tk. 245 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. 44.04 crore has been disbursed as
loan, and about Tk. 39.72 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:
Cottage industry based on indigenous materials, e.g., bamboo or bamboo cane, hogla, cane, mat etc.;
Livestock and poultry rearing;
Tailoring;
Nursery development project;
Vegetable cultivation & seed production;
Small shops to sell retail products;
By-cycle and rickshaw repairing shop;
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.
48.32 crore has been disbursed as loan and about Tk. 43.70 crore has been realized. The recovery rate was 99%.
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 63.78 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.
7.21 crore has been disbursed as loan and about Tk.5.63 crore has been realized. The recovery rate was 99%.

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 10906 beneficiaries in 28 units under this
program. Among of them, PKSF has funded Tk.8.60 crore that has been disbursed to 10906
members in 28 units. A total of Tk. 56.54 crore has been disbursed as loan and about Tk. 50.88 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.92.14 crore has been
disbursed as loan and about Tk. 83.73 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 3-6 months. Under this program, up to the end of the
reporting year a total of Tk. 2.32 crore has been disbursed as loan, and about Tk. 2.32 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. 162.06 million deposited by the clients
iii) Credit Plus Services through Seba

BEES provides credit plus services entitled Seba 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 under Seba Package since July 2002 for developing the health related
issues of beneficiaries and their family members parallel to microfinance loan facilities. Trained paramedics are
delivering health services through static and satellite clinics. BEES has the plan to recruit a paramedic at every unit
office level. Paramedics are equipped with limited diagnostic facilities at static clinics attached to unit offices with a
hope to expand its services in future. Paramedics visits groups through the satellite clinics and provide 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. health facilities if it is found critical. The target
beneficiaries are mothers, children, adolescents and the elderly family members of the microfinance groups. BEES'
implementing staff and their family members have also access to the clinic.
The paramedics of BEES under Seba package are providing following services:
ANC, PNC & ENC services to pregnant women, lactating mothers and new born babies.

Counseling & helping to ensure
breastfeeding promotional activities.
Counseling & helping to get EPI facilities
from the local Govt. Health Facilities.
Counseling & helping to get FP facilities
from the local Govt. Health Facilities.
Providing nutrition knowledge and
awareness through BCC forums and
courtyard meetings.
Providing household food security
knowledge and awareness through
Kitchen Gardening.
Providing knowledge and awareness on
ARH (Adolescent Reproductive Health)
& HIV/AIDS/STI prevention.
Till end June 2009 a total of 43 paramedics

were working for health service deliveries. A
medical officer 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 2008-09, health
services through Seba were delivered
among the group members of microfinance
from 2,712 villages/wards of 526 unions of
163 upazilas of 28 districts with their family
members. A total of approximately 327,216
people from different communities from a
total of 109,072 members (females 94% and
males 6%) under a total of 6,386 groups that
were served by the paramedics.
During the reporting period out of total

registered cases 6.5% for ARI (Acute
Respiratory Infection), 5.5% for diarrhoea,
13.2% for malnutrition, 4.4% for worm
infestation, 10.3% for skin diseases and
15.4% 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 17.6% for pill, 10.5% for condom,
5.0% for injectables, 1.8% for IUD (Intrauterine Devices), 1.0% for ligation and 1.0% for vasectomy were recorded.
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.
Achievement
During the reporting year 2008-09, BEES was able to cope with different unfavorable situations through its proven
experience and dynamic management. In this year, a total of 109072 members consisting of 6386 groups received

Component-Wise Loan Disbursement, Number of Members, Outstanding,
Recovery and Savings Balance Status as on June 2009
Total Members (in Disbursed Amount Total Recovery Total Outstanding Savings Balance
Name of Program
number) (Tk. in million ) (Tk. in million) (Tk. in million) (Tk. in million)
RMC 59372 2842.9 2584.5 258.4 62.1
UMC 10906 565.4 508.8 56.6 13.3
ME 3843 781.4 697.3 84.1 23.0
SEASONAL 102 171.9 16.8 155.1 0
SRLP 0 20.32 20.32 0 0
FSP 812 63.7 61.9 1.8 0
MFTS 9375 440.4 397.2 43.2 15.0
UPP 18636 483.2 437.0 46.2 11.4
MFMSF 3434 72.1 56.3 15.8 2.7
Total 106480 5145.62 4780.12 661.2 127.5
support from BEES through microfinance

program. Among the beneficiaries of different IGA Wise Loan Disbursement of Micro Enterprise Component
components considering various types of IGAs,
the cumulative disbursement was Tk. 5440.91
Sl. No. Name of IGA % of Disbursed Loan
million. By the end of the reporting year Tk.
4922.50 million was found as outstanding 1 Small Enterprise 80.37
money and the recovery rate was over 98%, 2 Poultry Farm 1.66
reveals a better performance. 3 Milking Cow 1.78
During the reporting period BEES disbursed 4 Food Processing 0.67

the loan on different IGAs. Small Enterprise 5 Small & Cottage 2.18
was the highest IGA of micro enterprise 6 Agriculture 0.71
disbursed loan.
7 Fish Culture 0.45
BEES field worker organized meeting with 8 Transport 2.13
group members once a week to collect the 10 Special Production 1.84
installments against the disbursed loan, 11 Others 1.02
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.
Winning the War on Poverty,

Sima Begum a Successful Woman
Yearning for being self-reliant
Earning livelihood to prosperity
Ahead of time of being a member of BEES (Bangladesh Extension Education Services), the financial condition of Sima
Begum was not good. She was passing extremely distressful time in her life. Stumbling in every step in her family life,
she had to face a lot of constraints and difficulties in maintaining her family without fulfilling minimal family need. Her
husband Md. Rustam operated a small grocery shop and could not earn enough living for their daily family need.

One day, Sima Begum found that a meeting
participated by some community women
was being conducted in the yard of her
village Bhairabpur of Bhairab upazila. She
observed it very eagerly and got interested
to grasp what they were discussing about.
She became to know that BEES was
providing credit to the deprived and poor
people. So she made contact with the
respective Field Organizer and Unit
Manager of BEES showing her interest for
getting loan from BEES. They told her to be
a member of Bhairabpur Mohila Samiti-55
and as per their advice she did so.
After being member of BEES Samiti, Sima

Begum took first loan to strengthen the
grocery business run by her husband. She
and her husband began to try heart and soul
to establish their business with this loan.
Consequently, the business was being
expanded with remarkable success. At the
same time, she was repaying the loan in
installments regularly. With this continuation,
she took further loans for 7 times. She was
sincere to continue good relation with BEES
and taking necessary trainings on different
issues related to livelihood and life skill
development as well.
Sima's 9th loan amounted to Tk. 60,000.00

taken on November 2008 was on starting a
cake factory. She was very much
determined that she would be successful in
this business. Her confidence made her take
the businesses towards prosperity. She was
doing better in businesses with her
husband's help. After that, she did not have
to step back. Now her cake factory is well-
established. Her bakery goods have great
acceptance in the local market. Many
business men also came to her to purchase
her factory products to sell them in the
markets of Dhaka. Presently, 8-10 workers are engaged in her cake factory and each of them is earning Tk. 5,000.00
per month in an average.
Before being a member of BEES Samiti, Sima was only a housewife. She had not any source of income to save her
family from the inevitable vulnerability to chronic poverty and hunger and could not contribute to the well-being of her
family. Now, she is successful business woman and self-reliant in true sense. Her monthly net income is more than Tk.
30,000.
Keeping pace with her increasing earnings, Sima Begum is very much aware of spending money for scaling up access
for her family members to general health care, education and other basic amenities. Her children are getting higher
education. As she is financially and socially empowered, many of her neighbors come to her to know about unlocking
the secret of success and self-reliance.

3.0 AGRICULTURE PROGRAM
With a view to improving the well-being of rural people by building their productive, social and environmental assets,
BEES' Agriculture Program is an important development activity supplementing sustainable development as a whole. In
much of Bangladesh, agriculture is a strong option for spurring growth, overcoming poverty and enhancing food security.
Agricultural productivity growth is vital for stimulating growth in other parts of the economy as well. Surmounting
widespread poverty requires confronting widening rural-urban income disparities. That's why, BEES has the very intention
to generate rural jobs by diversifying into labor-intensive, high-value agriculture linked to a dynamic rural, nonfarm sector.
Promoting agriculture is imperative for meeting the Millennium Development Goals of halving poverty and hunger by
2015. BEES' Agriculture Program a prime driver of agriculture-related industries and the rural nonfarm economy at
community level is contributing to rural development as a potential economic activity, promising livelihood and provider
of environmental services in its intervention areas.
3.1 Agriculture and Social Forestry

Using agriculture to promote development and deal with the challenges ahead, it is necessary to address climate
change and overcome looming health pandemics for plants, animals and humans. Agriculture & Social Forestry
Program of BEES has been expanding opportunities to thousands of rural poor to move out of such kind of
vulnerabilities all along. There is no doubt that timely technology based agriculture & social forestry can create good
environmental outcomes in using natural resources. It is also a major provider of environmental services sequestering
carbon, managing watersheds and
preserving biodiversity. BEES' Agriculture &
Social Forestry Program is making the
farming systems of the rural poor less
vulnerable to climate change. This program
has been managing the connections among
agriculture, natural resource conservation
and the environment awareness as an
integral part of using agriculture for
development.
3.1.1 Major interventions

Group formation, social/community
mobilization, management of savings and
credit, agro-technology transfer, establishing
home gardening, conducting agro-
demonstration at farmer's field, creating
awareness related to health, nutrition,
personal hygiene & family planning,
conducting training & workshop for project
staff and beneficiaries, distributing seedlings/
saplings/ grafting and other inputs among
beneficiaries .
3.1.2 Achievement
In the period of 2008-09, BEES' Agriculture
and Social Forestry program achieved
desired success as per the pre-decided plan.
BEES distributed summer and winter
vegetable seeds among the target
beneficiaries in this year. It distributed
summer vegetable seeds including okra, red
amaranth, ridge gourd, ash gourd and
kangkong among 1,16,950 beneficiaries
against the target of 1,20,200 and winter
vegetable seeds including bottle gourd,
Indian spinach, red amaranth, sweet gourd

and radish among 1,05,062 beneficiaries
against the target of 1,12,050.
Training for staff and beneficiaries

In the year of 2008-09, BEES organized
training for 138 staff and 2,467 beneficiaries
on rice, fruit & 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 fallow lands around the homestead as well as idle manpower
and to earn extra money. During the reporting year, a total of 320 demonstration plots were set up in 320 farmers' field.
Aman, 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 30,530 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 32,230 neem,
shishu, mehegoni, akashmoni, shegun,
raintree, etc as timber plants and 12,225
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.216.00 million among 47,200 farmers.
3.2 Poultry and Livestock Program

Poultry & Livestock is BEES' one of the oldest program with the pivotal objective of utilizing poultry and livestock
potentials fully towards poverty reduction, nutritional enhancement as well as sustainable agricultural resource
development. It is a wide spreading program in BEES' intervention areas to bring changes to beneficiaries' lives in
terms of their income generation.
Agricultural Inputs Delivery

Sl. No. Type of inputs Number of Beneficiaries
1. Seed 112902
2. Seedlings/Saplings of vegetables 44,525
It is significant to note that roughly 70% of the landless women are directory or indirectly engaged in traditional poultry
and livestock rearing in rural areas of Bangladesh. It is a good source of income to be self-reliant. Viewing livelihood
development through integrated social development lens, BEES has been continuing Poultry & Livestock Program to
increase income particularly of women, reduce poultry & livestock mortality, improve the variety of poultry birds and
upgrade the local breeds of livestock through crossbreeding and fulfill the protein requirement of the disadvantaged
people. Capitalizing on a vast experience, the program is providing the services for example providing different types
of training to the selected group members, vaccination, arranging credit facilities and other necessary assistances
through its technical staff to the program beneficiaries.
3.2.1 Major interventions

Group formation, social mobilization, savings and credit management, conduct training and workshop for project staff
and beneficiaries, arrange improved breed poultry birds and cattle, arrange vaccine for poultry & livestock.
3.2.2 Achievement
Under Poultry & Livestock 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 reference year, BEES

distributed loan of Tk. 86.7 million
among 12,248 beneficiaries. Out of
total disbursed loan, an amount of Tk.
24.20 million was disbursed for poultry
farming and the remaining for livestock
rearing and farming. A total of 2,480
poultry farms and 4,502 livestock farms
were established, where 39,142 poultry
and 14,200 cattle were existing
respectively.

Category-Wise Number of Trainees Received Training from Different Courses
Category wise no. of staff and beneficiaries received training from

Training topics
different courses
Staff Beneficiaries
Chick rearing 50 120
Key rearing 50 7790
Model rearing 50 75
Mini hatchery 50 70
Poultry management 50 90
Cattle rearing and farming 50 248
Goat rearing and farming 50 218
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.
Well-defined Targets and Self-confidence Brought

Happiness to Piyara’s Life
Leaping at the opportunity to be self-reliant
Reaping rewards of hard work
At present, Piyara Begum is very much well-

known for her thriving business and dairy
firm in her community. She is constantly
industrious and sincere to her target that
how she will translate it into reality. But even
few years ago, she and her family members
had to pass their daily life in the company of
drastic poverty and hunger. At last, she has
been able to surmount all of these
distresses with the financial and social
assistance of BEES (Bangladesh Extension
Education Services) grappling with different
problems and unfavorable situations.
One day, Piyara Begum attended a meeting

cum orientation on Cow Rearing: Method
and Practices at her village Ghatura of
Brahmanbaria district facilitated by
Livestock Manager Md. Rezaul Haque
Sarker organized by Ghatura Mahila Samiti
of Brahman Baria Sadar Unit. After that, she
contacted Credit Assistant Md. Nazrul Islam
to get admitted in this BEES Samiti and became known in detail that BEES has been providing micro credit along with
necessary training under Micro-Finance and Technical Support (MFTS) Project.
Receiving a 6-day training on Dairy Production, Piyara Begum took first loan amounted to Tk. 4,000 from BEES on July
2004 for cow rearing project. Adding extra Tk. 6,000 of her own with the money of loan, she bought a milk-producing
cow of local variety with a calf. Selling the milk, Piyara was repaying the loan in installments regularly. In the mean
time, she received training on beef fattening as well. Then she took the second loan amounted to Tk. 20,000 for buying
a bullock.

Piyara Begum was getting more skilled coping with time and counting on experience in managing her project as to cow
rearing and fattening. She reared the bullock for 6 months and then sold it for Tk. 40,000. With this continuation of her
cow rearing and fattening project successfully, she took loans Tk, 25,000, Tk, 30,000 and Tk, 20,000 for further time
in 2006, 2007 and 2008 respectively.
No doubt that Piyara Begum is well-off and self-reliant at present for her uphill struggle and persistence. She is very
much aware of general health care, using safe water and providing education to her children. Prior to being member
of BEES, she had no source of income and the income of her husband Md. Abu Musa was not enough to manage
basic amenities for the family at that time. When she fell into any financial problem no one would extend his/her hand
providing even Tk. 10 as loan to her. But her hard work, pragmatic confidence and profound perception led her to the
potential future. In her personal, family and social life, now she is happy and empowered that she is being requested
to participate in making any decision in her community. The neighbors come to her to take necessary guidance and
advice what they should do to be self-reliant.

4.0 Education Program
Lighting up lives, education matters more to sustainable development. It is necessary and basic prerequisite for social
justice, peace and ultimately reducing poverty. Thinking over this pivotal point, BEES (Bangladesh Extension Education
Services) has been conducting Education Program over the years to supplement national efforts towards building an
illiteracy-free society which eventually helps the poor empower themselves to come out of poverty.
BEES has been driven to take education as a fundamental need and believes that the lack of access to quality
education is a great hindrance to life-skill and livelihood development. Being involved with the education program in
1984 through offering the functional education for its beneficiaries, it has been facilitating its diversified education
program with community based inclusive approach. During the reporting period 2008-09, it conducted 2 different types
of projects under its Education Program:
Reaching Out of School Children (ROSC)

Pre-primary education as Early Child Development (ECD).
4.1 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 Supervisors of respective project.
4.1.1 Achievement
During the reporting year BEES conducted 12 schools, and it also formulated 12 school management committees. The
target of learners to promote in class IV was 412 who studied in class three but it achieved 99% 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 1% 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 schedule was 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.
4.2 Pre-Primary Education as Early Child Development

Early childhood is a time of remarkable brain development that lays the foundation for later learning. Considering more
scope in early childhood in managing and shaping children's behavior, the preschool period is an opportune time for
early intervention to prepare them to begin formal schooling. With a few notable exceptions, children from poorer and
rural households and those socially excluded have significantly less access to preschool than those from richer and
urban households. The children most likely to benefit from preschool program - those most exposed to malnutrition and
preventable diseases -are the least likely to be enrolled.
BEES thinks that preschool with the holistic approach of combining nutrition, health & social awareness and education
is very much effective in improving young children's current welfare and their development. It is indeed an inclusive
program to build on traditional child care practices, respect children's linguistic and cultural diversity and mainstream
children with special educational needs and disabilities.
Mobilizing community people as well as partnering with them at all levels, BEES' preschool program is a short-term,
community based and multifaceted group treatment program for children in their preschool or early primary school
years (4 - 6 years old). It focuses on supporting parents, enhancing parenting practices, reducing children's problematic
behavior, developing children's social skills and enhancing their self esteem through initiating training oriented
activities in problem solving and behavior management as well.

What's more! Preschool Program of BEES performs the ground work of sustaining education for marginalized and
disadvantaged children reducing dropout trend among them. In other word, it networks with and mobilizes the different
stakeholders towards improving the quality of education to increase the rate of retention and transition of children in
formal/mainstream schools.
BEES (Bangladesh Extension Education Services) has a great inclination to implement any kind of development
programs on the basis of need. It would like to take further plans and initiatives for more inclusive Preschool Program
being enriched with updated and timely dimensions for the people of the most disadvantaged areas vulnerable to
extreme poverty (monga), natural disaster (chronic flood) and socially neglected (tribe people).
BEES' ongoing Pre-primary Education as Early Child Development project is for the duration of eight months. Its 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.

4.2.1 Achievement
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 were 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 Health, MCH-FP and Nutrition
Program
Scaling up the access to basic health services, BEES has been executing different types of health programs mostly
related to MCH-FP (Maternal and Child Health-Family Planning) and Nutrition at community level catering to the
beneficiaries. It has been improving and sustaining the availability of preventive and basic curative health-care services
by creating, promoting and strengthening the necessary health-care systems in the intervention areas. The main
objective of its health program is to improve over all health status of the disadvantaged community people and help to
reduce the occurrence of the common diseases that affect the poor most. Under this program, the key activities are as
follows:
Providing general health-care services
Providing maternal health-care services
Provision of child health-care
Provision of family planning activities
Facilitation of health education services
HIV/AIDS prevention
Operation of satellite Clinic.
Bangladesh is one of the countries with highest incidence of malnutrition and child & maternal mortality. Giving a
great emphasis on these matters, BEES stepped into the path towards eliminating the course of hunger and under-
nutrition. Starting Health & Nutrition activities in Bogra district in 1979, it has been performing the health program
based on integrated approach with such components as primary health care, growth monitoring, maternal & child

care, family planning, reproductive health literacy, HIV/AIDS & STD prevention, immunization, balanced diet,
poultry rearing, kitchen gardening, cooking demonstration, water & sanitation, arsenic mitigation and other
promotional activities.
5.1 National Nutrition Program (NNP)

Nutrition is the cornerstone of sustainable health development. Through the lens of vast experience as to health
program implementation, BEES thinks that without nutrition development can bear no fruit. Lacks of nutrition, people
are not able to put their best effort in shaping their well-being related to their personal, family and social life. So they
may be turned into the burden of a nation. Realizing this important fact in depth, BEES has been executing nutrition
program under the stewardship of different health programs from the very beginning. It is enhancing its efforts in
marshaling development activities continuously through implementing comprehensive nutrition program like National
Nutrition Program at community 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:
To reduce the prevalence of Low Birth Weight (<2500 gm) from 36% to 20% or less.
To reduce the prevalence of underweight (WAZ <-2 Z-scores) in children <5 years from 48% to 36%.
To reduce the prevalence of stunting (HAZ<-2 Z-scores) in children <5 years from 43% to 37%.
To reduce wasting (WHZ<-2 Z-scores) in <5 years from 13% to 8%.
To maintain the prevalence of night blindness among children aged 12-59 months below 0.5%.
Reduce night blindness among pregnant women below 5%.
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%.
To reduce the prevalence of Iodine deficiency (UID<100 mcg/L) from 43% to 23% of all school aged (6-12 yrs)
children.
Pregnancy weight gain to 9 kg or more in 50% of pregnant women.
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. From March 2009 BEES has been implementing

Area Package # 32. There till end June 2009 the household survey was being continued.
Target Beneficiaries
Children less than 2 years old
Pregnant women
Lactating mothers
Unmarried adolescent girls
Newly married women
5.1.1 Achievement
1. Covered population and target groups
ABCN based core services were delivered to the target groups among the population of AP # 10 in a total of 79 unions
and 1 Poursava of 6 upazilas through 1207 CNCs and in AP # 13 in a total of 60 unions and 1 Poursava of 4 upazilas
through 1301 CNCs. During the reporting period, till end June 2009, a total population of 3,320,990 with different target
groups from 587,572 households (HH)
received core ABCN services in 10 UZs.
2. Birth weight measurement and growth

monitoring of children less than 2 years
In June 2009, in 10 UZs a total of 3,088 live
newborn babies were registered and birth
weight of 3,018 babies was recorded, the
coverage being 97.73%. Out of total weighed
3,018 newborn babies, 175 (5.67%) were
found having weight less than 2.5 Kg, that is,
low birth weight (LBW).
In 10 UZs out of 125,285 registered children

below two years of age, 121,166 were
weighed in June 2009 and overall growth
monitoring and promotion (GMP) coverage
was 96.71%. For AP # 10 & AP 13 this is
99.05% and 94.05% respectively.
In June 2009, a total of 7,857 under 2

children were identified as the hard core poor
in 10 UZs. Among them 2,600 were children
of 7-12 months and 5,257 were children of
13-24 months. All of them were supplied with
SF irrespective of their nutritional status.
3. Breastfeeding promotion status

In June of 2009, among the live born babies
99.51% of them received colostrums at birth
in 10 UZs. About 61.83% babies received
exclusive breastfeeding up to 6 months of
age. In that month, 87.03% of children
completing 6 months of age started
complementary feeding in 10 UZs.
4. Weight monitoring of pregnant women,

ANC, care to lactating women,
micronutrient supplementation and

supplementary feeding (SF)
In 10 UZs, a total of 31,991 pregnant women
were registered in June 2009 and the weight
monitoring coverage was 94.57%. For AP # 10
and AP # 13 weight monitoring coverage was
97.88% & 90.21% respectively in that month. In
June 2009, out of 31,991 registered pregnant
women a total of 1,209 pregnant women were
found with BMI below 17.0 in 10 UZs and they
were supplied with supplementary feeding (SF).
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
cost and less paid food packet for the WGMs.
5. Pregnancy weight gain and pattern of

delivery assistance
During the reporting year 36.50% of pregnant
women just before/after delivery in June 2009
were found with a pregnancy weight gain of 9 Kg
or more in 10 UZs of 2 area packages.
A total of 3269 deliveries were recorded in 10

UZs in June 2009. Out of this number 58% of
delivery cases were performed by Trained Birth
Attendants (TBA), whereas untrained birth
attendants (Traditional Dai) conducted delivery in
13% of cases. About 17%, 9% and 4% deliveries
were conducted by nurses, doctors and others
respectively.
6. Maternal mortality ratios (MMR)

During the reporting year, maternal deaths were
reported during pregnancy and within 42 days
after delivery in 10 UZs. In AP # 10 maternal
mortality ratios were nil (0) & 1.75 per 1,000 live
births for the months May & June of 2009
respectively. In AP # 13 maternal mortality ratios
were 3.18, & nil (0) per 1,000 live births for the
months May & June of 2009 respectively.
7. Infant mortality ratios (IMR)

During the reporting year, deaths were reported
for children under 1 and grouped into deaths
within 28 days and within 29 -365 days of their
birth. In AP # 10 IMR were estimated as 15.34 &
11.35 per 1,000 live births for the months May &
June of 2009 respectively. In AP # 13 IMR were
13.24 & 14.93 per 1,000 live births for the
During those two months highest number of

deaths were due to pneumonia (or ARI) and
other causes. In the clause of other causes it
has been observed that majority of the deaths
were due to drowning. Death toll due to
pneumonia was 8 & 3 for the months May &
June of 2009 respectively in AP #10. And that of

for other causes were 5 & 8 respectively for
the same time period. In AP #13 death toll
due to pneumonia was 26 & 22 for the
And that of other causes were 17 & 16
respectively for the same time period UMs
and FSs from were instructed to give more
emphasis on prevention of pneumonia
related issues along with the findings of other
causes in CNP and CNO refreshers training.
Death tolls due to convulsion and diarrhea
have reduced hopefully and considerably.
8. 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 were conducted among the different
beneficiary target groups.
In June 2009, in 10 UZs, a total of 20,081mothers of moderately malnourished children were registered. Out of them
a total of 17,470 (87%) mothers participated in the BCC forums. They received counseling about child feeding and
care. For them out of 2,508 target forums a total of 2458 (98%) were conducted in that month.
A total of 164,550 adolescent girls of age 13-19 years were registered in 10 UZs in June 2009. Out of them total
133,286 adolescent girls (81%) participated in the BCC forums (4 in each CNC in a month). In AP # 10 and # 13 the
participation rates are 90% and 70% respectively for the same month. The literacy rate in AP #13 is comparatively
higher than that of AP #10. And during May - July 2009 majority of the adolescent girls were engaged with SSC & HSC
exams. That is why the participation rate in AP #13 is lower than AP #10. 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.
Total 15,096 newly wed women were registered as of June 2009 in 10 UZs. Out of them a total of 13,586 (90%) of the
newly wed women attended 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.
9. 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 2009 salt specimens from 510,465 households were tested for Iodine by
the traditional methods in 10 UZs of 2 area packages. Out of them 434,121 households (85.04%) were found positive
qualitatively iodized salts being consumed by the family members.
10. Referral
A total of 1171 children were referred to different Govt. and NGO health facilities for growth faltering, severe
malnutrition and severe illnesses in June 2009 from 10 UZs. Among them 99% of children were properly managed after
referral. And a total of 792 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 in the same time period of whom 99% of referred
beneficiaries were properly managed.

5.2 Health Services through Seba
Health Services through Seba is a self-sustaining program supported by Microfinance Program. Under this activity,
comprehensive health activity is being implemented in 35 upazilas of 28 districts in 5 divisions of Bangladesh by 35
qualified Paramedics under the direct supervision of 2 doctors.
In the intervention areas of Seba (Health Services), paramedics are providing the following services:
Pregnancy weight gain monitoring and promotion by bathroom scale; and promotion (including counseling on
improved caring and feeding practices).
Identifying malnourished pregnant women with BMI < 17.0; and giving counseling on improved and demonstrative
feeding to prevent malnutrition.
Delivering Ante Natal Care (ANC).
Identifying pregnancy related complications and early
risk-delivery through routine close follow-up and
checking B.P., urine sugar and albumin.
Conducting normal deliveries and referring cases of
pregnancy complications and difficult delivery.
Providing Iron-Folate tablets to the pregnant women.
Delivering Post Natal Care (PNC). Giving awareness
to lactating mothers for colostrums and breast-feeding.
Ensuring the vitamin-A for lactating mothers through
coordination and collaboration with the local
UHC/USC/FWC.
Monthly growth monitoring of children less than 5
years of age by Salter scale / bathroom scale; and
promotion (including counseling on improved
caring and complementary feeding practices).
Giving EPI counseling and motivating the parents of
children to attend the local EPI centers. For
immunization of the women of reproductive age and
children Paramedics doing coordination and
collaboration with the government health facilities of
the locality.
Providing de-worming tablets through limited curative
treatment for children below 5 years old and
adolescent girls to prevent malnutrition.
Giving contraceptive and population control counseling
to the beneficiaries, and guiding and helping them
through FWC.
Giving awareness for personal hygiene, safe water &
sanitary latrine.
Delivering essential drug based limited curative cares
(free diagnosis, prescription, counseling and medicine
supply).
Cooking demonstration & home gardening for
prevention of malnutrition pregnant women, lactating
mothers, and adolescent girls and U-5 children..
Motivating the beneficiaries to participate in the
National and International Health Days like NID,
National Vitamin-A Campaign, World Health Day, etc.
In the satellite clinic following BCC are delivered among

the unmarried adolescent girls (13-19 years old),
pregnant women, lactating mothers and mother-in-laws:
i. Breastfeeding promotion and protection and IYCF
(Infant & Young Children Feeding).
ii. Bad effects of early marriage.
iii. Pre-delivery preparations.
iv. Risks of pre-eclampsia and eclampsia.
v. Family planning.
vi. Prevention of HIV/AIDS.
In the satellite and static clinics following prescription based following limited curative care are delivered:
i. ARI, pneumonia and asthma.
ii. Gastric acidity.
iii. Diarrhea, typhoid and paratyphoid.
iv. Worm infestation.
v. Pre-eclampsia and eclampsia.
vi. Skin, eye and ear diseases.
In the satellite and static clinics following diagnostic procedures are done:
i. Pregnancy test.
ii. Detection urine sugar.
iii. Detection urine protein (albumin).
Thus, with other activities of Seba Package, Seba (Health Services) is being carried out to bring a development in
health related aspects for the family members of the beneficiaries parallel to MF loan facilities for them. Community
people can also avail the services by payment of nominal fee.
5.2.1 Achievement
During the reporting period 2008-09, health services through Seba were delivered among the group members of
microfinance from 2,712 villages/wards of 526 unions of 163 upazilas of 28 districts with their family members. A total
of approximately 327,216 people from different communities from a total of 109,072 members (females 94% and males
6%) under a total of 6,386 groups that were served by the paramedics.
During the reporting period out of total registered cases 6.5% for ARI (Acute Respiratory Infection), 5.5% for diarrhoea,
13.2% for malnutrition, 4.4% for worm infestation, 10.3% for skin diseases and 15.4% 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 17.6% for pill, 10.5% for condom,
5.0% for injectables, 1.8% for IUD (Intrauterine Devices), 1.0% for ligation and 1.0% for vasectomy were recorded.

6.0 SUPPORT PROGRAM
To take core programs forward, BEES has been initiating a range of support programs. They are providing necessary
assistance that the field based activities are being implemented effectively without facing much more difficulties.
Consequently, it is possible to achieve the programmatic objectives smoothly maintaining the desired quality of
performance. In response to the demand derived from the field-based interventions, some activities are essential to be
initiated like mobilizing resources, building network & maintaining liaison with respective stakeholders, behavior change
communication, developing human resources, reviewing programs and so on. Coping with this critical necessity and
to keep the program performance on the right track, BEES is executing such support programs as Training, Information
& Development Communication (IDC) and Research, Evaluation & Monitoring (REM).
6.1 Training
For building capacity of the staff and beneficiaries and unlocking the value of neglected human resources, BEES'
Training Program is being conducted being integrated with the core activities compulsorily. It is undoubtedly true that
training is necessary to transfer essential qualities for stimulating capability of the target groups. It has a great role in
improving the management efficiency and creativity of the development practitioners both within and outside of the
organization. Internalizing this importance, BEES has been organizing training oriented activities as an important part
of all its programs to develop and widen the know-how & skill and provide technology to the respective stakeholders.
Training provided by BEES is generally categorized into two types like Human Resource Development (HRD) training
and Occupational Skill Development (OSD) training. BEES is very much aware of developing and enhancing the
knowledge & attitude of its group members & practitioners through HRD and OSD trainings on the basis of need. It
disseminates information and develops occupational skills on employment and income generation activities. Counting
on need assessment, it is continuing to develop and formulate training modules, curriculum and other training materials
and tools to arrange and conduct different types of training courses.
6.1.1 Achievement
During the reporting period 2008-09, a total of 61,985 trainees received training against the annual target of 65,000
which shows more than 95% achievement. Among the trained persons more than 75% were beneficiaries and 25%
were staff. A total of 2,479 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, 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% were female.
Training Received by Staff under Microfinance Program

Staff Category Training/Orientation Refreshers Total
Field Organizer (FO) 268 140 408
Unit Manager (UM) 16 64 80
MIS Officer 19 11 30
Area Manager (AM) & Program Manager (PM) 07 16 23
Total 310 231 541
Under microfinance program, a total of 268 FOs received training on credit and savings management and 140 FOs
received refreshers training on member selection & group formation. A total of 16 UMs got training on monitoring &
supervision for credit & savings management whereas 64 UMs got refresher training and 18 AMs received refresher
training on monitoring & supervision 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.

Conducting Training Center
BEES is conducting a training centre with residential facilities on rental basis at Sonatola of Bogra district with the aim
to arrange training sessions for the rural target beneficiaries and staff in a very peaceful and calm environment. There
are one well-equipped counseling room, one well-furnished dying room with kitchen and one well-furnished training
room with the separate accommodations for male and female participants.
6.2 Information and Development Communication

Development communication is the stepping stone to forward programs towards achieving desired goal. Bearing this
key point in mind, BEES's supporting program as to Information & Development Communication is well-equipped with
timely objectives and approaches that it is easy to make the stakeholders involved with the programs and influence
their knowledge, attitude & practice (KAP) for social pragmatic change. Making the community people aware of
development process with easy-understanding messages & effective materials, this communication oriented program
comprising BCC (Behavior Change Communication)/IEC (Information, Education & Communication), IPC
(Interpersonal Communication), social/community mobilization, advocacy, lobbying, networking is being brought about
on priority basis. Considering the importance related to development communication, BEES established Information &
Development Communication (IDC) Cell with a view to conducting different promotional activities at national, sub
national and community level.
IDC Cell is being operated dynamically with the objective of utilizing multi channel media properly to promote and build
necessary infrastructure of knowledge & awareness at community level since its inception. It utilizes the optimum
efforts to transfer ideas, messages, skills, information to the target beneficiaries and influence their behavior to work in
favor of respective program to be implemented effectively. Documentation and dissemination are comprehensively
intertwined with any kind of communication. So to bolster the communication activity and make it effective, its regular
activities are preparing operational guidelines/manuals; editing & publishing annual report, organizational brochure,
month planner, quarterly newsletter Mathchitra; performing the task of audio-video & photography; preparing script and
conducting popular theater (interactive)/street theatre and cultural activities; conducting, preparing and editing case
studies; collaborating with mass-media; continuing inter agency collaboration; preparing different communication
materials; ensuring any kind of printing & publications; organizing knowledge management activities through training,
workshop, seminar, symposium, orientation, courtyard meeting, community convention, fair, exhibition, colloquium,
focus group discussion (FGD), counseling, interview, open discussion, opinion exchange and so on.

07-08
6.2.1 Achievement
Over the reporting period of 2008-09, IDC Cell edited and published Annual Report 2007-08 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 a part of enhancing the scope of advocacy and BCC, IDC Cell published Desk Calendar 2009 containing month
planner, exclusive messages and photos highlighting its projects and programs. IDC Cell also published Wall Calendar
2009 containing exclusive photos and highlighting the program/project activities and exclusive New Year Greetings
Card 2009. IDC cell also developed power point presentations titled 'BEES at a Glance', 'An Introduction to
Development Communication', 'Musing on Leadership' and 'Counting on Collection Action'. As a part of regular video
documentation, it prepared documentary on Micro-enterprise activities of BEES broadcast by Channel 1.
IDC cell is developing and upgrading its websites and blogs on continuous basis. It organized intensive network
through building consortium involving more than 15 development organizations with a view to establishing promising
partnership for submitting development program proposals. More than four development programs were developed
during this 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.

6.3 Research, Evaluation and Monitoring
To present the actual picture of ongoing programs, projects and activities, BEES (Bangladesh Extension Education
Services) established a well-equipped cell of Research, Evaluation & Monitoring (REM). It thinks that research,
evaluation & monitoring are the most crucial factors in successful implementation at field level. Through these activities,
core programs are guided to be carried out as per the work plan, objectives and goals. With this point of view, BEES
is operating Research, Evaluation & Monitoring (REM) cell to evaluate and compare program performances to the
standard set by the organization in term of timeliness, quality assessment and procedural aspect. In the course of
regular performance, the REM cell is organizing the activities embracing assessment of socio-economic condition,
assessment of development impact, monitoring the existing programs periodically and so on.
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.
6.3.1 Achievement
In the light of well-defined work plan, the REM cell executed several activities with an efficient streamlined management
during the reference year 2008-09. It prepared the organizational progress report of 2006-2009 based on target to

07-08
exhibit the annual success and failure of the organization. The report will be helpful for the BEES management and
program managers in future planning and decision making about the program and help the other stakeholders to be
known about the community based interventions of BEES.
REM cell conducted an impact analysis on Social Investment Program Project (SIPP), phase-II to exhibit the impact of
the target beneficiaries as well as the community level regarding socio-economic and environment aspect of the
intervention areas. It orchestrated 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.

07-08
7.0 Resource Mobilization
Resource Mobilization is one of the most important preconditions in organizing development activities. It may be
occurred at community level, national level and even at international level. Well-planed resource mobilization enhances
the scope of implementing programs properly and in time. BEES (Bangladesh Extension Education Services) is very
much aware that resources, human or financial, should be mobilized to be utilized in an effective way for sustaining
the organization.
7.1 Human Resource

To unlock the value of neglected human resources, BEES has series of activities like training and communication
oriented programs. Through these activities, it has been carrying out social /community mobilization that ultimately
results in mobilizing human resources with the approach of forward looking human resource management. To face the
upcoming challenges in the development arena, it is necessary to shape up implementing actors' capacity. So BEES
imparts demand-responsive training to its staff and beneficiaries. It recruits new and dynamic persons and to
accomplish real learning it updates its human resources providing them with required orientation and training facilities.
During 2008-09, BEES had a total of 4351 staff working in several programs/projects. About 45,000 beneficiaries got
IGA and other training and about 95,000 beneficiaries got financial support for sustainable livelihood development. Up
to June 2009, the organization integrated women amounted to 75% at staff level and 95% at beneficiary level.
7.2 Financial Resource

As a vital input for provision of adequate and optimum quality services, financial resource mobilization is very much
necessary to create and enhance the organizational economic wealth and capacity. From the salad days, BEES has
been counting on creative financial planning strategies encompassing well-defined wealth and risk management
implementation policy to ensure availability of adequate financial resources for the implementation of programs at
different level. Under this programmatic activity, it is performing 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. In this way, BEES is ensuring continuous flow of program funding and managing and
surmounting any kind of vulnerabilities to financial shock. To produce quality outcomes successively and have a
positive impact on the organizational progress constantly, BEES is trying sincerely to reduce its financial dependence
on the donors. In this aspect, service charges collected from revolving loan fund are playing significant 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.

8.0 FUTURE DIRECTIONS
In partnership with community people and community organizations, BEES' Social Development Services notably
Seba will continue to focus prevention efforts on the beneficiaries especially at highest risk for HIV infection.
Catering to the time and programs, its key strategies are for future endeavors furthering the twin pivotal objectives
like:
Building the capacity of the community people for reducing their vulnerability to HIV/AIDS/STDS through
interactive & promotional activities
Enhancing the scope of maternal, neonatal & child survival oriented initiatives counting on the integrated
approach.
With the continuation of providing leadership among the beneficiaries in preventing and controlling any kind of
illness particularly STI & HIV infection, Seba will maintain its inclination to make the community people collaborate
with this overarching health oriented program. In this case, social mobilization will be the cornerstone of community
based intervention and advocacy will be considered as the stepping stone to achieving the programmatic goal. It
will keep on developing, evaluating and reviewing its strategies and plan taken before for the purpose of bolstering
and updating its methods, approaches and implementation in the light of the previous experiences.
To improve the effectiveness of community based integrated health program with prime priorities, BEES' action
research will be enhanced in a meaningful way to provide knowledge & awareness on reproductive health, maternal
& child care and HIV/AIDS/STI prevention including the following issues:
producing optimum social benefits through comprehensive awareness and timely behavioral change
communication
encouraging community people to have access to medical assistance, treatment, care and support as well as
increasing their access to trained service providers for protecting themselves from the vulnerabilities to illness, ill
health and malnutrition
expanding the scope of maternal, neonatal and child care services through utilizing the existing infrastructure of
national nutrition program and effective community mobilization
reducing the incidence of HIV among youth and the negative consequences on the individual, community and
society, creating favorable conditions for the improvement of the quality of life
scaling up the scope of gender parity
making the youth contribute to control and prevention of HIV/AIDS and STIs
capacity building and expanding of IEC activities for the youth mostly vulnerable to HIV/AIDS/STI
expansion of HIV/AIDS/STI prevention activities with the participation of the youth at community level
extending coverage activities for
voluntary counseling in community
institutions like schools, colleges, CBOs
through peer leading approach with the
assistance/participations of
adolescents.
Capitalizing on this range of vital issues,

options and directions, BEES would like to
influence the shape of future programs
and be a successful catalyst in social
pragmatic change. Thus it has been
mapping out means and ways into its
action research to be engaged more
actively in taking forward its commitment
of achieving over all targets and goals and
dreaming of that ideals, principles and
awareness of sustainable development
become every day reality for all.
Head Office, Dhaka:
‡K, Gg, Avjg GÛ †Kvs 80, Motijheel C/A (4th Fl), Dhaka-1000, Bangladesh
Tel : 9557851, 9552954, Fax : 88-02-9557851
K. M. ALAM & CO. Res : 8834000, 8016903, Mobile : 01819-220990
E-mail : kmalamcoca@gmail.com
CHARTERED ACCOUNTANTS kmalam@bangla.net
Partners:
Kazi M. Alam, FCA Khulna Branch Office:
Md. Mossarref Hossain, FCA A.F.M. Mujibur 45, Cemetry Road, (1 st Floor), Khulna-9100
Rahman, FCA Tel : 041-2830395
21 Oct. 2009
Date :..................................................
The Managing Director
Palli Karma- Sahayak Foundation (PKSF)
PKSF Bhaban, Plot- E-4/B
Agargaon Administrative Area
Sher-e-Bangla Nagar
Dhaka-1207
Sub: Audit of Financial Statements of PKSF and Non PKSF funded Micro
Credit Program of PKSF's Partner Organization of Bangladesh Extension Education
Services( BEES) for the year ended 30th June 2009.
Dear Sir,
We have audited the accompanying Balance Sheet of the PKSF's Partner Organization of Bangladesh Extension
Education Services (BEES) the Social Welfare Department Government Republic of Bangladesh vide Registration
No. Dha-02278 dated 10 May, 1989, NGO Affairs Bureau vide registration no.52 dated 26 August, 1991, Register of
Joint Stock Companies and Firms vide registration no.S-982/52 dated 13 February, 1985 and Micro credit Regulatory
Authority vide registration no. 00572-02517-00263 dated 08 June, 2008 pertaining to PKSF funded Micro Credit
Program as of June 2009 and the related Income & Expenditure Statement, Receipts & Payments Statement and Cash
Flow statement for the year then ended together with the accompanying notes (1 to 29) prepared by the management
of the organization. The preparation of these financial statements is the responsibility of the Organization's
management. Our responsibility is to express an independent opinion on these financial statements based on our audit.
The financial statements of the organization as of June 30, 2008, were audited by- M/S IIowlader Yunus & Co;
Chartered Accountants whose report dated September14, 2008 expressed an unqualified opinion on those statements
We conducted our audit in accordance with Bangladesh Standards on Auditing (BSA) which are consistent in all
material respects with Bangladesh Accounting Standard and International Accounting Standards/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 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
true and fair view of the state of affairs of the organization as of June 30, 2009 and of the results of the operations and
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 explanation which to the best of our knowledge and belief were
necessary for the purpose of our audit and made due verification thereof;
b) In our opinion, proper books of account as required by law have been kept by the organization so far as it
appeared from our examination of those books;
c) The Company's Balance Sheet, Income & Expenditure Statement, Receipts & Payments Statement and Cash
Flow statement dealt with by the report are in agreement with the books of accounts and returns;
K.M. Alam & Co

Chartered Accountants

07-08
Bangladesh Extension Education services (BEES)
PKSF and Non-PKSF Funded Micro Credit Program
Balance Sheet
As at 30th June, 2009
2008-2009 2007-2008
Particulars
Notes PKSF Non-PKSF Total PKSF Non-PKSF Total
Property and Assets:
A. Fixed Assets: 6.00 32,810,078 216,362 32,826,460 31,795,701 200.362 31,996,063
Fixed Assets at Cost 32,610,078 216,362 32,826,460 31,795 200,362 31,996,063
B. Investment: 7.00 53,202,523 11,705 53,214,228 50,696,524 11,705 50,708,229
Savings FDR 7.01 28,978,708 - 28,978.708 27,364,708 - 27,364,708
Loan Loss Provision FDR 7.02 21,200,000 - 21,200,000 20,600.000 - 20,600.000
Disaster Management FDR 7.03 1,700,000 - 1,700,000 750,000 - 750,000
Depreciation FOR 7.04 800,000 - 800,000 800,000 - 800,000
Loan Loss Provision Investment 7.05 271,058 11,705 282,763 314,323 11,705 326,028
Disaster Management Investment 7.06 66,690 - 66.690 746,074 - 746,074
Disaster Resrve Fund Investment 7.07 186,067 - 186,067 121,419 - 121,419
C. Loan to Beneficiaries 8.00 498,007,037 20,297,968 518,305.005 447,676,513 17,444,301 465,120,814
D. Current Assets 94,512,747 734,322 95,247,069 70,074,344 1,88,046 71,962,390
Accounts Receivable 9.00 33,977,194 - 33,977,194 37,778,652 37,778,652
Advance & Pre-payments 10.00 1,184,218 34,800 1,219.018 1,320.332 42,000 1,362.332
Loan to Staff 1100 6,524,564 143.639 6,668.203 7,362,816 157,475 7,540,291
interest Receivable on FOR 1200 9,719,537 - 9,719,537 5,468,055 - 5,468,055
Cash and Bank Balance 1300 43,107,234 555,803 43,663.117 18,124.489 1,688,571 19,813,060
Total Assets & Properties (A+B+C+D) 678,332,385 21,260,377 699,592,762 600,243,082 19,544,414 619,787,496
E. Current Liabilities 420,140,206 19,148,723 439,288,929 423,811.240 15,343,452 439,154,692
Loan from PKSF 14.00 169,027,715 - 169,027,715 174,019,096 - 174,019,096
Member Savings Deposits 15.00 125,961,523 3,979,372 129,940,895 145,974,671 4,334,523 150,309,194
Special Savings Deposit 16.00 12,749,342 291,830 13,041,172 13,776,193 237.350 324,328,290
Accounts Payable 17.00 50,403,713 10,606,714 61,010,427 60,263,151 8,916,409 69,179,560
Provident Fund 18.00 1,500,783 108,750 1,609,533 6,890,377 100,000 6,990.377
Gratuity Fund 19.00 1,046.667 1,296,000 2,342,667 - 182,844 76,169,937
Security Deposit 20.00 4,543,915 161,035 4,704,950 3,698,060 177,793 3,875,853
Security Deposit 2002 21.00 2,846.546 157,309 3,003,855 2,555.813 146,245 2,702.058
Loan Loss Provision Fund 22.00 10,206,840 1,214,611 11,421,451 4,428,201 1,194,611 6,577,911
Disaster Management Fund 2300 3,506,219 11,836 3,518,055 2,507.240 7,162 2,514,402
Emergency Savings 2400 33,586,035 1,264,766 34,850,801 5,930,108 77.80 5,937.888
Desaster Resrve Fund 25.00 200,183 - 200,183 142,006 - 8,452,290
Depreciation Fund 26.00 4,560,725 56,500 4,617,225 3,626.324 38.735 3,665,059
Net Assets : (A+B+C+D.E) 258,192,179 2,111,654 260,303,833 176,431,842 4,200,962 180,632,804
Financed By:
F. Long Term Liabilities 191,399,363 4,286,600 195,685,963 84,998,239 4,286,600 89,284,839
loan from PKSF 14.00 191,399,363 - 191,399,363 84,998,239 84,998,239
Loan from SAIP 4,286,600 4,286,600 4,286,600 4,286,600
G. Capital and Reserve: 66,792,816 (2,174.946) 64,617,870 91,433,603 (85,638) 91,347,965
Retained Surplus 27.00 49,515,272 (2,174,946) 47,340,326 74,156,059 (85,638) 74,070.421
Land Revaluation Reserve 28.00 17,277,544 17,277,544 17,277,544 - 17,277,544
Total Capital & Long Term Liabilities (F+G) 258,192,179 2,111,654 260,303,833 176,431,842 4,200,962 180,632,804
The accompanying notes form an integral part of this financial statement.

Singed as per our seperate report of even date.
K.M. Alam & Co.

Chartered Accountants.
60
07-08
Bangladesh Extension Education Services (BEES)
PKSF AND NON PKSF FUNDED MICRO CREDIT PROGRAM
INCOME STATEMENT
FOR THE YEAR ENDED JUNE 30, 2009
PARTICULARS NOTES FY - 2008-2009 FY - 2007-2008
PKSF Non-PKSF Total PKSF Non-PKSF Total
INCOME :
MCP Loan Service Charges received: 96,131,893 2,494,006 98,625,899 102,813,800 2,964,282 105,778,082
Grant from PKSF 2,781,810 - 2,781,810 1,401,302 - 1,401,302
Bank Interest 46,493 - 46,493 72,492 41,991 114,483
Sales of Form & pass book 970,530 55,900 1,026,430 903,860 44,910 948,770
Admmission Fee 576,745 42,620 619,365 343,310 12,740 356,050
FDR Interest - - - 3,419,628 - 3,419,628
LLPI interest 12,567 - 12,567 2,949 - 2,949
DMFI interest 11,648 - 11,648 6,965 - 6,965
DRFI interest 3,280 - 3,280 2,319 - 2,319
Members' Contribution - - - 8,987 - 8,987
Motor cycle interest 131,219 828 132,047 71,968 2,646 74,614
Training income 409,921 409,921 555,063 - 555,063
Others income 1,815,891 55,857 1,871,748 2,735,006 51,650 2,786,656
Total : 102,891,997 2,649,211 105,541,208 112,337,649 3,118,219 115,455,868
EXPENDITURE:
Service Charge Paid to PKSF 10,969,097 - 10,969,097 8,976,419 - 8,976,419
Service Charge Paid to Non-PKSF - 641,358 641,358 - 161,801 161,801
Service Charge Paid to Banks 8,359,722 - 8,359,722 7,025,663 - 7,025,663
Salary & Bonus 62,833,526 2,792,127 65,625,653 52,347,458 2,391,746 54,739,204
Printing & Stationery 4,875,790 76,878 4,952,668 2,331,983 98,204 2,430,187
Office Rent 5,057,125 201,600 5,258,725 4,524,750 155,400 4,680,150
Training 1,551,379 5,101 1,556,480 1,451,454 3,952 1,455,406
Traveling & Allowance 4,756,124 137,110 4,893,234 4,155,100 150,232 4,305,332
Telephone Bill 605,964 11,150 617,114 371,425 8,955 380,380
Fuel 1,095,814 75,508 1,171,322 732,674 55,428 788,102
Electricity Bill 713,462 31,798 745,260 583,917 32,224 616,141
Entertainment 463,031 16,110 479,141 385,013 23,079 408,092
Interest on Savings 7,326,122 224,746 7,550,868 7,782,117 295,040 8,077,157
Bank Charge & Commision 902,163 7,063 909,226 815,909 11,635 827,544
Insurance Premium 362,500 5,000 367,500 426,906 - 426,906
Meeting & Semminer 313,934 249 314,183 - - -
Income Tax 66,046 - 66,046 290,736 - 290,736
PF. Contribution 2,794,191 129,304 2,923,495 2,343,187 96,103 2,439,290
Gratuity Contribution 4,194,553 153,960 4,348,513 3,585,610 161,174 3,746,784
Interest on PF 410,406 8,750 419,156 554,398 - 554,398
Interest on Gratuity 46,667 96,000 142,667 - - -
LLPE 3,586,728 20,000 3,606,728 6,726,092 1,193,050 7,919,142
DMFE 909,295 4,674 913,969 929,958 7,162 937,120
DRFE 41,352 - 41,352 52,451 - 52,451
Depreciation 851,265 17,765 869,030 858,939 17,959 876,898
Miscellaneous Expenditure 27.00 3,803,859 64,900 3,868,759 2,764,253 121,437 2,885,690
Repair & Maintance- Vehicle 642,669 17,368 660,037 - - -
Consultancy Fees - - - - 10,000 10,000
Sub Total 127,532,784 4,738,519 132,271,303 110,016,412 4,994,581 115,010,993
Excess/(Deficit) of Income Over Expenditure (24,640,787) (2,089,308) (26,730,095) 2,321,237 (1,876,362) 444,875
Total: 102,891,997 2,649,211 105,541,208 112,337,649 3,118,219 115,455,868

K.M. Alam & Co.


07-08
Bangladesh Extension Education Services (BEES)
PKSF AND NON PKSF FUNDED MICRO CREDIT PROGRAM
CASH FLOW STATMENT
for the year ended 30 June 2009
PARTICULARS FY - 2008-2009 FY - 2007-2008

PKSF Non-PKSF Total PKSF Non-PKSF Total
A. Cash flow from Operating Activities :
Excess of income over expenditure (Surplus) (24,640,787) (2,089,308) (26,730,095) 2,321,237 (1,876,362) 444,875
Add: Amount considered as non cash item - -
LLP provision 5,778,639 20,000 5,798,639 (10,281,188) 1,193,050 (9,088,138)
DMF provision 998,979 4,674 1,003,653 905,945 7,162 913,107
DRF provision 58,177 58,177 89,617 89,617
Depreciation for the year 851,265 17,765 869,030 858,939 17,959 876,898
Sub total of non cash item (16,953,727) (2,046,869) (19,000,596) (6,105,450) (658,191) (6,763,641)
Loan desbursment to beneficiaries (50,330,524) (2,853,667) (53,184,191) 52,517,713 2,150,026 54,667,739
Loan realized from beneficiaries 3,801,458 3,801,458 23,022,425 23,022,425
Advance 136,114 7,200 143,314 (79,088) 7,500 (71,588)
Staff loan 858,252 13,836 872,088 (5,226,186) 24,498 (5,201,688)
Interest on FDR (4,251,482) (4,251,482) (3,419,628) (3,419,628)
Accounts Payable (9,859,438) 1,690,305 (8,169,133) (5,386,218) 44,437 (5,341,781)
Net cash from/Used in operating Activities (76,599,347) (3,189,195) (79,788,542) 55,323,568 1,568,270 56,891,838
B. Cash Flow from Inverting Activities: - -
Fixed Assets purchased (817,641) (16,020) (833,661) (18,149,487) (9,680) (18,159,167)
Savings FDR (1,614,000) (1,614,000) (10,000,000) (10,000,000)
LLP FDR (600,000) (600,000) (11,400,000) (11,400,000)
DMF FDR (950,000) (950,000) -
LLPI 43,265 43,265 252,717 252,717
DMFI 679,384 679,384 (253,672) (253,672)
DRFI (64,648) (64,648) (86,414) (86,414)
Net cash Used in Investing Activities (3,323,640) (16,020) (3,339,660) (39,636,856) (9,680) (39,646,536)
C. Cash Flow from Financing Activities: - -
Loan from PKSF 101,409,743 101,409,743 (16,927,472) (16,927,472)
Member savings deposits (20,013,148) (355,151) (20,368,299) (9,766,026) (2,526,761) (12,292,787)
Spacial savings (1,026,851) 54,480 (972,371) (380,066) 24,324 (355,742)
Emergency Savings 27,655,927 1,256,986 28,912,913 5,930,108 7,780 5,937,888
Interest on DFI 86,400 86,400
Provident fund (5,389,594) 8,750 (5,380,844) (9,575,905) 100,000 (9,475,905)
Gratuity fund 1,046,667 1,113,156 2,159,823 (2,204,210) (2,204,210)
Security deposit 845,855 (16,758) 829,097 854,123 22,922 877,045
Security deposit - 02 290,733 11,064 301,797 780,345 100,813 881,158
Land revaluation reserve - 17,277,544 17,277,544
Net cash used in Financing Activities 104,905,732 2,072,527 106,978,259 (14,011,559) (2,270,922) (16,282,481)
D.Net increase/decrease (A+B+C) 24,982,745 (1,132,688) 23,850,057 1,675,153 (712,332) 962,821
E.Cash & Bank Balance at the Beginning of the Year 18,124,489 1,688,571 19,813,060 16,449,336 2,400,903 18,850,239
F.Cash & Bank Balance at the End of the Year 43,107,234 555,883 43,663,117 18,124,489 1,688,571 19,813,060

K.M. Alam & Co.


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
Bangladesh E-mail: sfali@connectbd.com
C H A R T E R E D A C C O U N T A N A T S
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 2009 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 30 June 2009 and of the results of its
operations for the year then ended.
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 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.

14 December 2009 Chartered Accountants

07-08
BANGLADESH EXTENSION EDUCATION SERVICES (BEES)
General Fund
Balance Sheet
as at 30 June 2009
Notes Amount in Taka
2008-2009 2007-2008
Sources of Fund
General fund 2 (18,995,862) (21,625,996)
Vehicle fund 3 1,612,900 1,612,900
Borrowing from vehicle fund 1,022,337 1,022,337
Current liabilities:
For others 4 30,553,258 22,222,506
For expenses 5 60,000 3,162,520
Payable to Revolving Loan Fund (RLF) 6 13,889,839 16,193,005
44,503,097 41,578,031
Total: 28,142,472 22,587,272
Application of Fund
Fixed assets (at cost less accumulated depreciation) 7 879,106 996,542
Current assets:
Advances 8 268,545 271,955
"Loan to PLCEHD -1 project" 9 - -
Receivables 10 156,058 214,524
Loan to various projects 11 26,174,287 17,943,873
26,598,890 18,430,352
Cash and bank balances:
Cash in hand 40,874 23,792
Cash at bank 12 623,602 3,136,586
Total: 28,142,472 22,587,272
The annexed notes form an integral part of this financial statement.
Executive Director Controller of Finance & Accounts
Signed in terms of our seperate report of even date annexed

64
07-08
General Fund
Income and Expenditure Statement
Particulars Notes Amount in Taka

2008-2009 2007-2008
A. Income
Management cost - 3,240,090
Surplus of various projects 13 2,596,125 2,197,143
Profit on sale of motor cycle - 291,004
Miscellaneous income 14 319,558 38,827
Total: 2,915,683 5,767,064
B. Expenditure
Salaries and benefits 15 - 1,707,638
Travelling, conveyance & allowances 16 - 63,851
Office supplies 17 - 1,167,127
Office rent - 33,750
Utilities 18 - 1,227,028
Postage, telephone & fax - 3,555
Repairs & maintenance 19 - 327,617
Audit fees 90,000 70,000
Miscellaneous expenses 20 1,532 51,478
Registration & renewal fees - 8,660
Cyclone sidr - 76,962
Meeting & seminar - 20,680
Depreciation 117,437 137,916
Membership fees 5,000 6,000
Casual labour - 570
Contirbution to various projects 21 6,000 354,763
Donation - 10,000
Gratuity contribution - 374,266
P.F contribution - 64,894
Legal expenses - 300
Health program expenses - 11,603
Flood contribution - 5,099
Chandina Expenses 53,788 -
Winter Cioth 11,792 -
Total: 285,549 5,723,757
Excess/(Shortage) of income over expenditure: (A - B) 2,630,134 43,307
Executive Director Controller of

Finance & Accounts


07-08
General Fund
Receipts and Payments Statement
Particulars Notes Amount in Taka
2008-2009 2007-2008
Receipts
Opening balance:
Cash in hand 23,792 -
Cash at bank 3,136,586 1,027,682
Advance realised tour 1,131,548 516,991
Loan refund from various project 25,364,801 16,887,152
Received from various projects 22 20,114,233 36,274,134
Insurance claim ( Alico) 75,000 60,000
PLCEHD-1 project - 14,236
Provident fund 24,632,548 12,517,000
Staff security 333,114 281,421
Gratuity 120,000 -
Disaster rehabilitation fund 200,000 528,000
Winter cloth 161,350 23,393
Motorcycle loan refund 48,146 -
Motorcycle loan refund(other project) 5,793 -
Received from BSRF 212,620 -
Advance realised Salaries 42,527 -
Prime Project 125,000 -
Revenue income:
Management cost - 3,240,090
Surplus of various projects 2,274,717 5,072,573
Motor cycle sale - 95,076
Motor cycle sale (other project) 243,438 21,511
Interest on motor cycle (other project) 1,774 5,816
Miscellaneous 54,129 3,500
Total: 78,301,116 76,635,275
Payments
Revolving Loan Fund (RLF) 1,971,252 513,480

Project account - 2,890,930
Loan to various project 23 27,635,212 28,648,973
Fund transfer to various projects 24 22,145,827 34,658,540
Motor cycle loan refund 1,025 14,234
Winter cloth 196,536 -
Payment of liabilities:
For others/employees deposit 208,989 258,214
Insurance claim (Alico) - 59,118
Provident fund advance - -
Audit fees 60,000 120,000
Provident fund 15,128,400 3,100,000
Gratuity - 62,460
Provision for PF Contribution 64,894 -
Provision for Gratuity Contribution 374,266 -
Payable to RLF (Expenditure) 2,663,360 -
66
66 BEES
BEESREPORT
REPORT08-09
07-08
Notes Amount in Taka
Particulars
2008-2009 2007-2008
Advances:
Salaries 238,638 23,398
Tour 1,134,536 644,536
Others (M/S Aman) - 50,000
Capital expenditure:
Equipment - -
Revenue expenditure:
Salaries and benefits 4,060,208 1,658,631
Travelling, conveyance and allowances 141,402 63,851
Office supplies 237,014 38,391
Office rent 95,625 33,750
Utilities 264,175 18,641
Postage, telephone & fax 116,848 3,555
Repairs and maintenance 85,307 10,040
Casual labour 13,530 570
Legal fees 8,880 300
PF contribution 155,737 -
Membership fees 5,000 6,000
Contribution to various project 29,060 354,763
Cyclone sidr - 76,962
Meeting & seminar 87,666 20,680
Donation - 10,000
Health programmee expenses - 11,603
Miscellaneous expenses 31,540 51,478
Gratuity contribution 117,339 -
Audit Fees 30,000 -
Consultancy Fees 20,000 -
Chandina expenses 53,788 -
Vehicle Maintenance & Regitration 260,586 -
Closing balance:
Cash in hand 40,874 23,792
Cash at bank 623,602 3,136,586
Total: 78,301,116 76,635,275
Executive Director Controller of

Finance & Accounts


07-08
Notes

07-08

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Acronyms

One of the crucial secrets to our programmatic achievements is a

BEES is always dreaming of a Bangladesh where human dignity is

07 BEES REPORT 08-09

Saiful Islam Robin

08 BEES REPORT 08-09

Catering to the community

09 BEES REPORT 08-09

10 BEES REPORT 08-09

In this year 2008-09, BEES' Agriculture and Social

Under Poultry & Livestock Program, BEES

11 BEES REPORT 08-09

12 BEES REPORT 08-09

18 BEES REPORT 08-09

Starting the microfinance activities way

At personal/household level the significant effects are being found:

21 BEES REPORT 08-09

Key Features of Loans

Key components and products of microfinance program are given bellow:

a) Rural Micro-credit (RMC)

22 BEES REPORT 08-09

c) Ultra Poor Program (UPP)

d) Financial Services for the Poorest (FSP)

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

23 BEES REPORT 08-09

h) Seasonal Loan Program (SLP)

24 BEES REPORT 08-09

iii) Credit Plus Services through Seba

General and Reproductive Health Services

25 BEES REPORT 08-09

Till end June 2009 a total of 43 paramedics

During the reporting period out of total

Input Delivery Services

26 BEES REPORT 08-09

support from BEES through microfinance

During the reporting period BEES disbursed 4 Food Processing 0.67

Winning the War on Poverty,

27 BEES REPORT 08-09

After being member of BEES Samiti, Sima

Sima's 9th loan amounted to Tk. 60,000.00

28 BEES REPORT 08-09

3.1 Agriculture and Social Forestry

3.1.1 Major interventions

30 BEES REPORT 08-09

Training for staff and beneficiaries

31 BEES REPORT 08-09

3.2 Poultry and Livestock Program

Agricultural Inputs Delivery

3.2.1 Major interventions

During the reference year, BEES

32 BEES REPORT 08-09

Category wise no. of staff and beneficiaries received training from

Well-defined Targets and Self-confidence Brought

At present, Piyara Begum is very much well-

One day, Piyara Begum attended a meeting

33 BEES REPORT 08-09

34 BEES REPORT 08-09

Reaching Out of School Children (ROSC)

4.1 Reaching Out of School Children (ROSC)

4.2 Pre-Primary Education as Early Child Development

36 BEES REPORT 08-09

37 BEES REPORT 08-09

38 BEES REPORT 08-09