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Institute of Community Empowerment & Micro Finance
Registered Under Society Reg. Act 1860 & 12 A & 80 G under Income Tax Act
PAHAL Executive Director Mr. Islam Hussain with Nobel Prize Laureate Prof. Mohammad Yunus in a Micro Finance Conference in New Delhi in March 09
Microfinance Platform Planet Finance, France Micro-credit Campaign, USA Sa-dhan- New Delhi Credibility Allience Mumbai
-:Managed by :-
Institution Gola Barrage Road Kathgodam, Nainital, Uttarakhand, INDIA igy laLFkk xkSyk cSjkt jksM dkBxksnke] uSuhrky& Qksu &05946 266209@216
3. Pahal Community Education Support Services 4. Pahal Community Capacity Building Services
Two another services will commence next phase for community transport & marketing of SHGs farms & non farm produce.
(Since 1988) Registered 12 A & 80 G under Income Tax Act Member: Sa-dhan , Credibility Alliance Microfinance Platform Planet Finance, France & Microcredit Campaign, USA
PAHAL has carried out following work in 2009
PAHAL Community Micro Finance SHG
PAHAL has Promoted 525 Self Help Groups & JLG Credit linked 325 so far in following areas 1. Haldwani -Kathgodam semi urban & rural
Annual Report 2009
social welfare, Rural & Slum area Sustainable Development, Environment Protection with the tool of Self Reliance, Micro Saving, MicroFinancing, Capacity Building of needy people, especially women, awareness programs cooperation & co-ordination. We are working in
125 Villages and slum areas of Four Districts of Uttarakhand & one Districts of UP State reaching more than 12000 families. This year we are targeting the community has been with consolidated and all approaches for the holistic development. Also the organization restructured community services from now onwards will be undertaken under the aegis of PAHAL- Institute
Community Meeting in Haldwani Bock
AHAL is a voluntary Non Government Organization working in the field of
2. Bhimtal & Jeolikote Rural & semi Urban 3. Kotabagh Rural 4. Jaspur semi urban 5. Purala & Naogaon Block (Uttarkashi) 6. Rampur (slum area) About Rs.400 lakh ((1000000 $)) has been mobilized as saving, internal landing, and bank credit. These groups are being used for social Mobilization also.
For Community Empowerment & Micro Finance & we will offer our services to
community under following heads1.Pahal Community Livelihood support Services 1. Pahal Community Micro Finance Services 2. Pahal Community Health Support Services
PAHAL Community Micro Finance Services
We are providing Microfinance to SHGs & JLGs
under the aegis of "PAHAL Community Micro
finance Services". Till date a total of 100 lakh micro credit have been disbursed to the 1200
livelihood initiatives in these areas. We have identified the following activities for livelihood: a. Shopping Bags/Envelope making b. Candle making c. Embroidery work d. Crochet work e. Sweater weaving f.
Restaurant in Haldwani Slum supported by PAHAL Community Micro finance Services
Vegetable dehydration Stone Crafts Wooden crafts Kids garments
g. Dairy & Poultry h. i. j. Members with the support of SIDBI, Nainital Bank, ICICI Bank, NMDFC & UMFI.
We have developed new design shopping Bags using
A women tailor in Haldwani Rural area supported by PAHAL Community Micro finance Services
news paper for carrying variety of goods with carrying capacity of more than 2 Kg. We are constantly providing Paper Bag training to interested SHGs members to start production.
Pahal is facilitating micro insurance product of well established & reputed Insurance company like LIC of India, ICICI Prudential Life Insurance Company & Birla Sunlife Insurance Company to our clients for securing their life against any unprecedented circumstances.
Livelihood support Services
We have observed that a majority of our clients are facing acute livelihood problems & not coming out poverty due to their uncertain income & vulnerability. To overcome this problem we are implementing
Women SHG members are under training for making paper Shopping Bags by PAHAL Trainer in Bhimtal Block
Under the Community Livelihood Support Services we have organized Rozgar Mela in Haldwani area where hundreds of unemployed women participated. PAHAL team facilitated them to select appropriate employment and more then 200 SHG members got registered and are now contributing livelihood & income generations support to their families from PAHAL Community Livelihood Support Services
Design work shop
Office of Development commissioner Handicrafts has sanctioned a design workshop to provide design inputs to our women Patchwork embroidery artisans. We have conducted this workshop in Haldwani & provided design technical support to 30 women artisans. We are continuously extending support to our artisans in respect of any technical inputs, raw material
These beautiful stone crafts developed in MEDP Training workshop Prograame was supported by NABARD
procurement & marketing.
This year PAHAL conducted Micro Enterprise Development Programmes for our SHG Members. This programme was sponsored by NABARD Dehradun Regional office,
Health & Pulse Polio Campaign/Immunization Awareness
PAHAL is constantly working in health related issues like Immunization, RCH, Pulse Polio etc. PAHAL‘s worker keep in touch with the women SHG members and motivate/guide and advice them when required
Mahila Shramirdhi Yojna
With the support of National Minorities Development & Finance Corporation, Delhi PAHAL conducted two skill up gradation training programme for patchwork embroidery crafts persons. Herein 40 women artisans got the relevant training and also got marketing support where 50 beneficiaries of different SHGs were provided with Stone crafts training. We are also making efforts for linking marketing channel to off load their production. from us. NMDFC provided opportunity to exhibit their embroidery product in India International Trade fair New Delhi. PAHAL handled all logistic support for the artisans etc from placing orders to direct sales
Marketing of SHG’s Products
This year NABARD has sanctioned a rural Mart for marketing of our SHGs produces. We have started Mart in the name of Kota Fresh. This mart is managed by our sponsored Kota Doon Self Helf Group Federation. We are also running a marketing outlet in Saras marketing Centers Haldwani for marketing the products & farm produced. In addition.
Community Capacity Building &
We believe that community must take their own initiatives rather than seeking intervention from others, and for this to happen we are acting as facilitator for providing initial support system, so that the community can access to the resource. Under the concept of Community Capacity building support PAHAL has taken concrete steps. We have arranged exposure visit, on site training technology transfer programme etc We have also organized awareness regarding livelihood, income generation government development initiative, schemes & programme like NREGA, SGSY, PMRY, etc. Here we have focused on PRI related issues in gram panchyat,
PAHAL Craft stall in IITF New Delhi, supported by NMDFC for marketing of SHG products
Block level Panchyat & Distric level Panchayt, BPL facilities, Indira Awas Yojna, Serva Shiksha Abhyan & National Rural Health Mission..
We have also participated in various shows and melas organized by different agencies for marketing of SHGs products. in IITF Delhi, SARAS Mela in Mumbai & Dehradun.
Pahal is working in the field of sustainable agricultural development. We believe that for development of rural India there is a need to increase the agricultural productivity. In this view we are continuously working to increasing productivity of rural masses. We are providing capacity building, Technical Training & support, increasing capacity to so on. access different agriculture related services, providing micro credit &
Awareness Camp in Rural area regarding Developmental work running by developmental agencies
Apart from it we have also arranged awareness and training camp with the support of Pantnagar Agriculture & Technical University for farm and non farm’s technology transfer to the small and marginalized farmers
Technology Transfer Programme
This year PAHAL is working in liaison GB Pant Agriculture & Technical University Pantnagar for providing technical training to our marginal farmer clients,
resource, new sowing technique, new varieties of seed of different crop etc. PAHAL staff has also got an in-house master training at University campus itself. Department of post harvest technology of
Pantnagar Agriculture & Technical University has provided technical support for enabling better output of their agriculture produce. They are also providing support for food processing including vegetable fruits, pulses etc. Department of Poultry of Pantnagar Agriculture & Technical University has provided technical support to rear Ginny fowl to 30 such women
Farmers Training & technology Transfer Programme in Bhimtal Block
members. These members got in house training on the course how to rear highly income generated Ginny fowl. Department of Poultry has also provided 20 chick Ginny fowl of each of our participant to start Ginny fowl rearing. PAHAL is thankful to Pantnagar Agriculture & Technical University for their active support in this regards.
Department of Irrigation & Drainage Engineering College of Technology G.B. Pant University of Agriculture & Technology Pantnagar has conducted several training camp in Kota bag, Bhimtal & Haldwani Block for PAHAL clients. In these camps expert has provided technical inputs to the small & marginalized farmers to increase farm productivity by using effective irrigation system. Our SHGs’ members & other farmers also attended 10 days training camp and got exposure to Advance agricultural work developing in
Agriculture University. The training was focused on providing the farmers with expert inputs for enhancing agriculture productivity. They got proper training on optimal utilization of available resources including water
Farmers Training & technology Transfer Programme in Kotabagh Block
Micro Save Support & Training Programme
Leading International Micro Finance Organization Micro Save has provided technical support to PAHAL to stream line Micro Finance operation under their Programme.
visited PAHAL operational area & suggested valuable inputes for sustainable micro finance operation under the concept of market lsd micro finance.
PAHAL Representative with other participants in Micro Finance Training organized by Micro Save in Lucknow
Micro save Expert Ku Sonmani in PAHAL for staff orientation training programme
Micro save has also prepared operational manual, process manual, account manual, Internal control & audit manual,& Human Recourse Manual, We felt these manuals are vary use full for over come to internal lapses, strengthening the structure & smooth running of action plan & achieve the target led under business plan.
Before providing any technical imputes Micro save has conducted a rapid appraisal of PAHAL’s micro finance operation t access our need & capacity. After rapid appraisal Micro save included Pahal in his fold and extended support In first step Micro save has prepared our strategic business plan, with the active participation of PAHAL team, Four member team including board of director & management staff designated for this whole process & prepared a aggressive business plan for microfinance activities for next five years. After preparation of business plan Micro save has provided us another training use full for micro finance operation & institution. PAHAL Staff has attended training programme for account, audit, operation, internal control,
PAHAL Representative Ku Lubna in Micro Finance Training organized by Micro Save in Lucknow
governance etc.In second phase Micro save team
Advocacy on Social Issues
We are continuously working towards social issues like child right, women right, Indigenous people right, prevention of domestic violence, female feticide, NREGA etc.
PAHAL’s staff & volunteers & house women collectively shared their experiences, success,
problems etc returned back with great enthusiasm and sprite to overcome all odds.
PAHAL is working to strengthen the marginalized section of society. We believe that women in every section of society are comparably weaker, so we are not only providing these services to the women group of marginalized section but to the society as a whole.
PAHAL Staff & board Member have participated in following training programme, Workshops, Seminars & events • • • • • BIRD Training/workshop Micro Finance Insight workshop Micro save Training in Lucknow & Jaipur India Micro Finance Conference Sa dhan Micro Finance Conference
Women Groups are participating women day as a mark of PAHAL annual day in Village Ginti in Kotabagh Block
We are actively involved in sorting out various legal right based issues relating to these women group. Support to women to over come their socio economic problems, Our organization have
PAHAL Executive Director Mr. Islam Hussain & Honey Islam with Nobel Prize Laureate Prof. Mohammad Yunus in a Micro Finance Conference in New Delhi in March 09
Well known organization volunteer has placed volunteer from different discipline in PAHAL. We have provide in house training as well as direct intervention on community development
mentored women & groups on different issues related to various socio-economic problems. PAHAL celebrates women day on 8 March as its foundation day and annual day. The Organization’s secretary and other social activist have organized women’s day programme in Kotabagh, In this
programme run by PAHAL & other Governmental & non governmental agencies
Exposure visit Programme
We have conducted in house SHGs formation & micro credit landing training to our Staff , NGO partners & also arrange exposure visit to Kolkata to learn ground level modalities of direct lending to JLG Model .
Awards & Facilitation
1- PAHAL is recipient of Excellence Award -2005" "Micro Finance Process & "Micro Finance Micro
Continuous Process Excellence Award -2006" by ABN Amro Bank and Planet Finance for Finance services 2- PAHAL supported on SHG named SURABHI SHG has been chosen as best performing SHG in
Uttarakhand by NABARD. This SHG has been
awarded by union Finance Minister Mr P. Chidambaram in New Delhi. This award was given to the 13 best performing SHG's in all over India. 3- PAHAL has been also facilitated by Honorable Chief Minister of Uttrakhand Mr. Narayan Dutt Tewari and
PAHAL Team in Kolkata Slum to understand hard reality of slum dwellers on exposure visit
State Bank of India Dehradun Region for remarkable micro finance services to the disadvantage section of society.
WE are also part of Study team for study & exposure on Micro credit /SHG activities in Hyderabad Andhra Pradesh This Hyderabad visit was sponsored by SBI Dehradun. We have arranged another visit to Bangalore, Delhi & Jaipur for Exposure regarding Micro Finance activities. PAHAL staff members workers and associate has participated many programmes & joined hand with other net work on social issue, Like Himalayan issues, Women violence & right, Land right, Achieving Million Development Goal, led by United Nation for socio-economic equality in universe
PAHAL sponsored Surabhi SHG receiving best performing Award from Union Finance Ministe Mr. P. Chidambaram
In House Training to Staff, Govt. Officials & Civil Societies
PAHAL has organized in house training to NHPC official, members of civil society NGO, staff & clients on SHG formation Bank linkage, various aspects of Micro Finance, other rural developmental work running by developmental Agencies to enhance their capacity.
Mr. Islam Hussain ED PAHAL receiving "Micro Finance Continuous Process Excellence Award -2006 from UN country Representative Dr. Olson sponsored by ABN Amro Bank & Planet Finance in New Delhi. Pahal was also recipient of same in 2005
Glimpse of PAHAL Activities
Micro Credit training of other NGO staff in PAHAL
SIDBI AGM Mr. Rawat in PMIC meeting in PAHAL to review PAHAL’s Micro Credit Program supported by SIDBI Dehradun
Senior Manager SBI is providing details of schemes run by SBI to PAHAL Staff during training in PAHAL
PAHAL E.D. Islam Hussain Discussing with Noted social activist Mrs. Ela Bhatt in a Micro Finance Conference in New Delhi in March 09
AGM of SBI with PAHAL Team in SBI Sponsored Exposure visit in remote village of Andhra Pradesh
Mr. KC Singh BABA, MP from Nainital in PAHAL Stall in SBI Sponsored programme in Kashipur
PAHAL JLG’s member in Meeting
Interview with media on the occasion of launching of innovative shopping paper bags in Haldwani this Bags has developed by Islam Hussain & promoted by PAHAL
PAHAL SHG’s members in Meeting with Mr Islam Hussain in Haldwani Branch office
Pahal Paper Shopping launch ceremony attended by Chairman & members of Municipal Board Nainital
A Tele communication Shop in Kathgodam supported
by PAHAL Community Micro finance Services
PAHAL Team members with ED Mr. Islam Hussain In a Damuadhunga Rural Branch of PAHAL
Marketing campaign by PAHAL of innovative shopping paper bags in Nainital
PAHAL SHG Patch & Embroidery Work
Pahal Team in Environment rally in Haldwani
PAHAL SHG Embroidery Work
Pahal ED Mr Islam Hussain with Block Pramukh Purola Uttarkashi in Micro Credit programme Initiated by PAHAL
PAHAL Crafts displayed in PAHAL Stall in SARAS Center Haldwani