REQUEST FOR EXPRESSION OF INTEREST

For

Selection of
Non-Government Organizations (NGOs)/Micro-Finance Institutions (MFIs)/
Private Entities as Partner Organizations (POs) of IDCOL
for Installation of
Renewable Energy Systems under TR/KABITA Program

Infrastructure Development Company Limited (IDCOL)

UTC Building, Level – 16
8 Panthapath, Kawranbazar
Dhaka-1215

February 2020
 Infrastructure Development Company Limited (“IDCOL”)
Section-1
Invitation to participate in installation of renewable energy systems under TR/KABITA
project

Infrastructure Development Company Limited (IDCOL), a government owned financial

institution under the Ministry of Finance, is promoting economic development in Bangladesh
by encouraging private sector investment in infrastructure, renewable energy and
energy efficiency projects. It has been implementing various renewable energy programs
since 2003 with the help of various NGOs, MFIs, and Private entities enlisted as
Participating Organizations (hereafter referred to as “POs”).

Since April 2016, IDCOL has been successfully implementing renewable energy portion of
TR/KABITA program of the Ministry of Disaster Management & Relief (MoDMR) through
its POs selected at different times under its Solar Home System (SHS) Program and
TR/KABITA Program. To further accelerate implementation of the program, it now intends to
include few more non-government organizations (“NGOs”)/ micro-finance
institutions (“MFIs”)/ private entities under the program. In this regard, IDCOL seeks
applications from organizations mentioned above which have successful track record of doing
business and/or micro-credit operations, and also have good experience in implementing solar
energy program.

Interested organizations are requested to download complete application package from

IDCOL website www.idcol.org. Application package may also be collected from IDCOL
office at a cost of Taka 1000/- (non-refundable). Completed applications must be
submitted to the address mentioned below before 4:00 p.m. on or before 16 March 2020.
Applications will be evaluated by an independent evaluation committee in accordance with
the criteria described in the application package. Selected POs will be required to sign
Participation Agreements with IDCOL. IDCOL reserves the right to accept or reject any or all
application(s) without assigning any cause.

Please contact:
Infrastructure Development Company Limited
UTC Building, Level – 16
8 Panthapath, Kawranbazar, Dhaka-1215
PABX: 9102171-8; Fax: 9102084
E-mail: contact@idcol.org
 An Overview of TR/KABITA Program

Background:
The government decided to use 50% fund allocated under TR/KABITA Program for
installation of renewable energy systems in 2014. The Ministry of Disaster Management and
Relief (hereafter referred to as “MoDMR” or “the Ministry”) issued a circular in this regard
on
09 December 2014. Accordingly, upazila administration installed renewable energy systems
through some local companies during 2014-15 and 2015-16. The circular did not mention the
roles and responsibilities of IDCOL and its Participating Organizations (hereafter referred to
as “POs”). Therefore, IDCOL and its POs were not involved in the implementation process.

In 2016, the Government decided to engage Infrastructure Development Company Limited

(IDCOL) and its POs in implementation of the program with a view to ensuring supply of
quality equipment, post installation service, warranty of products, proper monitoring at the
field level as well as bringing momentum in implementation. The long experience of IDCOL
and its POs in successful installation of 4.1 million solar home systems across the country
was the reason behind engaging IDCOL. The Ministry of Disaster Management and Relief
issued a revised circular on 3 April 2016 detailing the roles and responsibilities of IDCOL and
its POs. Later, IDCOL and the Ministry signed a Memorandum of Understanding
(MoU) to install renewable energy systems under TR/KABITA program.

Installation of Systems:
In FY 2015-2016, IDCOL POs installed 55,541 solar systems in 300 upazilas for an amount
of BDT 165 Crore which was 15% of total allocation. Remaining amount was allocated to
some local organizations for installation of system before engagement of IDCOL. Type-wise
installation of systems is as follows:

Type of System Number of System

Solar Home System 50,609
Solar Street Light 2,619
Large Solar System 711
Biogas 6
ICS 1,596
Total 55,541

In FY 2016-17, POs worked in 489 upazila/city corporations and installed a total of 383,706
renewable energy systems for an amount of BDT 982 Crore. Type-wise installation of
systems is as follows:

Type of System Number of System

Solar Home System 329,394
Solar Street Light 34,214
Large Solar System 14,473
Biogas 62
ICS 5,563
Total 383,706
 3

In FY 2017-18, IDCOL POs worked in 494 upazila/city corporations for installation of a total
of 417,077 renewable energy systems for an amount of BDT 1,076 Crore. Type-wise
installation of systems is as follows:

Type of System Number of System

Solar Home System 331,056
Solar Street Light 70,199
Large Solar System 9,287
Biogas 17
ICS 6,518
Total 417,077

In FY 2018-19, IDCOL POs worked in 498 upazila/city corporations for installation of a total
of 404,385 renewable energy systems for an amount of BDT 1,137 Crore. Type-wise
installation of systems is as follows:

Type of System Number of System

Solar Home System 295,399
Solar Street Light 99,570
Large Solar System 7,887
Biogas 7
ICS 1,522
Total 404,385

Implementation Process:
According to the circular issued by the Ministry, IDCOL is responsible for allocating POs in
different upazilas and city corporations (one PO in each upazila/city corporation) for
implementation of renewable energy portion of TR/KABITA Program. IDCOL allocates or
reallocates POs in upazilas and city corporations from time to time and informs it to
the Ministry, Department of Disaster Management as well as to respective district and
upazila administration.

Upazila office and the respective PO has to sign an agreement as per the format approved by
the Ministry to start the work. Upazila office provides work order to the PO along with the list
of beneficiaries, their addresses and type of renewable energy systems to be installed
as approved by the district committee (“‡Rjv KY©avi KwgwU”). 50% of the work order value
is also given to the PO as advance at the time of issuance of work order.

The PO has to install the systems as per approval of IDCOL Technical Standards Committee
and submit the detail report to the Upazila office. The Upazila Nirbahi Officer (UNO) and the
Upazila Project Implementation Officer (PIO) physically inspect the installed systems
and upon their satisfaction provide the 40% of the work order value to the PO. The remaining
10% money is retained by the upazila office which is released after 3 years of satisfactory
services to the beneficiaries by the PO.
 4

To ensure post installation service since 3 years after installation, each PO has to set-up its
branch office in respective upazila with adequate number of technical staff. POs also have to
provide 3 years warranty for the supplied equipment which is ensured by IDCOL. IDCOL
monitors and ensures proper installation of renewable energy systems against the
technical standards set by the Technical Standards Committee and report to the Ministry of
Disaster Management and Relief, Department of Disaster Management, and Sustainable and
Renewable Energy Development Authority (SREDA) from time to time.
 5

PO Selection Committee
IDCOL has an independent Partner Organization (PO) Selection Committee for selection of
POs under its renewable energy programs. IDCOL provides secretarial support to the
committee. The committee comprises of the following:

• Director General, Bangladesh Institute of Development Studies – Chairperson

• Representative from Sustainable and Renewable Energy Development Authority
(SREDA) – Member
• Representative from NGO Affairs Bureau - MemberRepresentative from the Ministry
of Disaster Management and Relief – Member
• Representative from Economic Relations Division (ERD) –
MemberRepresentative from Palli Karma-Sahayak Foundation (PKSF) – Member

For selection of PO, IDCOL provides circular to at least two national dailies. At the same
time, IDCOL uploads “Request for Expression of Interest (REoI)” in IDCOL’s website.
After receiving applications, these applications are presented before the PO selection
committee. The committee in different meetings scrutinizes and shortlists the organizations
and finally submits its recommendation to IDCOL Board. On the basis of
recommendation of the committee, IDCOL board finally selects the POs.

Technical Standards Committee

To determine the technical standards for PV panels, battery, and other components under the
program, a Technical Standards Committee (TSC) was formed comprising
representatives from the following:

• Professor, United International University (Former Professor, BUET) – Chairperson

• Professor, Electrical and Electronics Engineering Department, BUET – Member
• Professor, Institute of Energy, University of Dhaka – Member
• Representative from Bangladesh Rural Electrification Board (REB) – Member
• Representative from Local Government Engineering Department (LGED) – Member
• Representative from Power Cell, Power Division – Member

The TSC develops technical specifications for solar panel, battery, charge controller, inverter,
solar street lights and other equipment. It also provides approval of the product of different
manufacturers against its approved technical specifications on the basis of test reports from
TSC certified laboratories.

Any manufacturer, dealer or supplier, with adequate technical and financial capacity, may get
their products approved by the TSC by filling the prescribed format and providing necessary
certifications (prescribed in the technical specification manual); thus take part in the program.
Equipment approved by the TSC shall only be used under the program.

Based on the responsive offer of products by vendors, TSC has so far approved a number of
PV panels, batteries, solar street lights and other SHS equipment. Technical specification as
well as detail list of approved products is published in IDCOL website from time to time.
 6

IDCOL ensures quality of equipment by collecting samples on a regular basis from

beneficiary households and from supplier/ PO warehouses and testing those in TSC certified
laboratories.

Manufacturers/Dealers/Suppliers

Any business entity in the solar energy business may participate in supplying its products
under the program by getting products approved by the TSC. The entities are required to
provide 20 years warranty for panel, 3-5 years for battery, 3 years for charge
controller, inverter and luminary. They should provide after sales maintenance service of the
systems to the POs and help the PO during installation.

Monitoring of the program

IDCOL has a dedicated coordination unit at its head office which coordinates with upazila
offices and POs to ensure successful implementation of the program. IDCOL also has
17 regional monitoring offices at different areas of the country which work under the
supervision of head office. There are 10-15 technical inspectors in each regional office under
supervision of a regional manager.

Technical inspectors regularly visit the beneficiary households/offices and physically verify
installed renewable energy systems. Technical inspectors verify (i) proper installation
of renewable energy systems; (ii) use of IDCOL TSC approved equipment; (iii)
technical performance of systems; (iv) post installation service by the POs; (v) satisfaction
level of the beneficiaries, etc. They immediately inform the POs of any technical problems
and ensure rectification of those. IDCOL officials also visit the installed systems on
sample basis to confirm proper functioning of the monitoring system.

IDCOL monitoring team has physically monitored all systems installed in 2015-16, 93.84%
systems installed in 2016-17, 86.44% systems installed in 2017-18 and 33.79% of the systems
installed in 2018-19.
 7

Section 2
Information to NGO/MFI/Private Entity

1. Introduction

1.1 The Infrastructure Development Company Limited (IDCOL) will select Participating
Organizations (POs) in accordance with the selection criteria specified in the Data Sheet.

1.2 The NGO/MFI/Private Entity is invited to submit a Business Plan for the assignment
named in the Data Sheet. The Business Plan will be one of the bases for selection of PO
and IDCOL will ultimately sign Participation Agreement with the selected organization.
Once the agreement is signed, activities of the NGO/MFI/Private Entity shall be
governed according to the terms and conditions of the Participation Agreement.

1.3 Kindly note that (i) the costs of preparing the EOI including visits to IDCOL are not
reimbursable as a direct cost of the EOI; and (ii) IDCOL is not bound to accept any of
the Business Plans submitted.

1.4 Government policy requires that NGO/MFI/Private Entity provide professional,

objective, and impartial services and at all times hold IDCOL’s interests
paramount, without any consideration for future work, and strictly avoid conflicts
with other assignments or their own corporate interests. NGO/MFI/Private Entity shall
not be hired for any assignment that would be in conflict with their prior or current
obligations to other Executing Agencies, or that may place them in a position of not
being able to carry out the project activities in the best interest of IDCOL.

1.5 Without limitation on the generality of this rule, NGO/MFI/Private Entity shall not be
hired under the circumstances set forth below:

(a) NGO/MFI/Private Entity shall not be hired for any project activity, which, by its
nature, may be in conflict with another assignment of the
NGO/MFI/Private Entity.

2. Clarification and Amendment of EOI Documents

2.1 NGO/MFI/Private Entity may request a clarification of any of the EOI documents up to
the number of days indicated in the Data Sheet before the Business Plan submission
date.

2.2 At any time before the submission of Business Plans, IDCOL may, for any reason,
amend the EOI. IDCOL may at its discretion extend the deadline for the submission of
Business Plans.

3. Preparation of EOI Documents

3.1 NGO/MFI/Private Entity is requested to submit the documents in English language.

3.2 In preparing the Business Plan, NGO/MFI/Private Entity is expected to examine

the documents constituting this EOI in detail.

3.3 While preparing the Business Plan, NGO/MFI/Private Entity must give particular
attention to the following:
 8

(i) It is desirable that the majority of the key professional staff proposed be
permanent employees of the NGO/MFI/Private Entity or has an extended and
stable working relationship with it.

(ii) Reports to be issued by the NGO/MFI/Private Entity as part of this assignment

shall be in English language.

3.4 Institutional capacity

The institutional capacity of the NGO/MFI/Private Entity should be described in
detail to adequately document the capability of the NGO/MFI/Private Entity.

(a) The composition of the organization’s professional and managerial staff and type
of staff, their qualifications and the tasks that are assigned to each staff
team member should be described in the Annex to Business Plan.

The composition of the proposed professional and managerial staff and type of
staff, their qualifications and the tasks that would be assigned to each staff team
member should be described in the Annex to Business Plan.

(b) CV of the Chief Executive Officer (CEO) of the NGO/MFI/Private Entity shall
be recently signed by the CEO and the authorized representative submitting
the Business Plan. Key information should include academic qualification,
number of years working for the NGO/MFI/Private Entity and degree of
responsibility held in various assignments during the last five (5) years.

(c) Financial management capacity and efficiency should be described with the
Business Plan highlighting the financial situation as reflected in the audit reports.
To demonstrate the financial management capacity, the Audit report of the last
three financial years and bank transaction statement of the same period should be
included with the Annex to Business Plan.

(d) Organizational structure of the NGO/MFI/Private Entity along with

supporting documents should be included in the Business Plan in the Annex to
Business Plan.

(e) Familiarity with the proposed working area should be described and
its documentary evidence should also be attached to the Business Plan.
This will include maintaining of a regular office during program
implementation in the proposed working area and working experience in the
area in any field.

(f) Track record and present capacity of NGO/MFI/Private Entity in implementing

solar energy program including installation, maintenance, after sales service etc.
should be described. Documentary evidence should be included in the Annex to
Business Plan.

(g) Working experience with various government and non-governmental institutions.

Documentary evidence should be included in the Annex to Business Plan.

(h) Integrated community development activities undertaken by

the NGO/MGI/Private Entity specifically in the field of credit, skill training,
health, nutrition, social development activities etc. Documentary evidence
should be included in the Annex to Business Plan.
 9

4. Submission, Receipt, and Opening of Business Plans

4.1 The original Business Plan and Application Form shall be prepared in indelible
ink. It shall contain no interlineations or overwriting, except as necessary to
correct errors made by the NGO/MFI/Private Entity itself. Any such corrections
must be initialled by the persons or person who sign(s) the Business Plans.

4.2 An authorized representative of the NGO/MFI/Private Entity shall initial all

pages of the Business Plan.

4.3 The completed Business Plan and Application Form must be delivered at
the submission address on or before the time and date stated in the Data Sheet.

4.4 As soon as available the Business Plan shall be opened by the evaluation
committee.

5. Business Plan Evaluation

5.1 Any effort by the NGO/MFI/Private Entity to influence IDCOL in the

IDCOL’s evaluation of EOI, or selection process shall result in the outright
rejection of the application of the concerned NGO/MFI/Private Entity.

5.2 The information provided in the Business Plan received will be enquired into
by IDCOL through various methods including physical inspection at head
office and field level.

5.3 The evaluation committee, appointed by IDCOL as a whole, and each of

its members individually, evaluates the Business Plans on the basis of
the eligibility criteria detailed in the Data Sheet.

5.4 Detailed evaluation of the eligible NGO/MFI/Private Entity’s Business

Plan shall be carried out in accordance with the evaluation criteria as specified
in the Data Sheet.

6. Signing of Participation Agreement

6.1 Participation Agreement will be signed with the successful NGO/MFI/Private

Entity.

7. Confidentiality

7.1 Information relating to evaluation of Business Plans and recommendations

concerning awards shall not be disclosed to the NGO/MFI/Private Entity who
submitted the Business Plans or to other persons not officially concerned with
the process, until the winning NGO/MFI/Private Entity has been notified that it
has been selected as a PO under the program.

Section 3
Data Sheet

Clause Subject
2.1 Clarifications may be requested within 7 days before the submission date.
 10

4.3 The Business Plan and Application Form submission address is:

Infrastructure Development Company Limited (IDCOL)

UTC Building, Level - 16
8 Panthapath, Kawran Bazar,
Dhaka-1215
Phones: 9102171-8
Fax: 9102084
E-mail: contact@idcol.org
Web: www.idcol.org

Business Plan must be submitted no later than the following date and time:
4:00 PM Dhaka Standard Time, 16 March 2020.

5.3 Eligibility Criteria for Participating Organizations (POs)

For All Participating Organizations:

General Criteria
(a) Satisfactory business plan approved by the Board of Directors/Executive Committee of
the NGO/MFI/Private Entity as to the overall planning in relation to the implementation
of the program, and containing inter-alia; proposed internal organization to implement
the business plan, details of responsible business team, capacity to manage subsequent
services and follow-up monitoring.
(b) Particulars of the operational and financial results of the NGO/MFI/Private Entity for at
least the previous three (3) years based on audit reports audited by ICAB enlisted audit
firm. The NGO/MFI/Private Entity’s operations should be profitable for at least the past
two years. However, in reaching an assessment about potential profitability, IDCOL will
also consider (i) forward looking business prospects and potential for profitable
operations; and (ii) if the NGO/MFI/Private Entity is operating a solar program,
the performance of their solar business.
(c) The NGO/MFI/Private Entity should furnish proof to IDCOL that the
financial performance of the NGO/MFI/Private Entity concerned is in conformity
with the applicable financial criteria outlined below.
(d) The NGO/MFI/Private Entity should have good track record in implementing
solar energy program for minimum 3 years and has installed at least 2,000 solar home
systems or 500 solar street lights or 50 solar rooftop/net metering (minimum 10 kWp
capacity each) systems or combination thereof. The NGO/MFI/Private Entity will
furnish detailed list of the customers including customer name, address, system size
etc. for physical verification. It will also furnish proof to IDCOL that it has
adequate capacity and experience to manage installation of renewable energy systems
as well as providing post installation service under TR/KABITA Program.
(e) After fulfilling the eligibility criteria by PO for program entry, the PO shall continue to
meet the aforementioned eligibility criteria, satisfactory to IDCOL, which shall monitor
PO’s compliance therewith annually. If the PO fails at any time to satisfy the
above specified criteria IDCOL reserves the right to suspend its PO status under the
program until the PO has taken specific steps to address its problems in a manner
satisfactory to IDCOL.
 11

Financial Criteria
• Minimum Tk. 10,000,000/- of equity;

Specific Eligibility Criteria For NGO/MFI

• Registered with appropriate regulatory authority;

• Registered with MRA if it conducts microfinance services;
• If MFI, conducting microfinance services with soft loan funds from:
o PKSF as a partner organization (PO) and/or
o Commercial Bank(s) or other financial institutions
• Have relevant activities in proposed project areas; and
• Number of beneficiaries is not less than 10,000.

Selection Criteria for Private Entity

• A lawful private business entity organized under the laws of Bangladesh and
incorporated with Register of Joint Stock Companies, complying with pertinent laws
and regulations regarding capital adequacy, classification of assets, non-accrual
of interest and provisioning, exposure limits, etc.;

5.4 The detailed evaluation criteria and the number of points to be given under each of
the evaluation criteria for NGO/MFI are:

Subject Points
A. Experience 30
i. Years of experience in conducting business
ii. Years of experience in implementing solar energy program
iii. Total amount of loan outstanding
iv. Total numbers of beneficiaries
v. Total number of solar systems installed
2. Financial Performance 30
i. Equity
ii. Debt to equity ratio
iii. Cash collection ratio of principal and interest on current loan portfolio
calculated on a rolling twelve month basis
iv. After tax profit p.a. on revolving loan fund (RLF)
v. Debt service cover ratio
vi. Portfolio at risk
3. Institutional Capacity 20
i. Audit report findings
ii. Number and type of staff i.e. team composition and task assignments
iii. Academic qualification of Chief Executive Officer (CEO)/Executive
Director (ED)
iv. Experience of CEO/ED
 12

v. Capacity at field level for implementing solar energy program

vi. Qualification and experience of proposed professional staff
4. Familiarity in the Programme Area 10
i. Working experience in the programme area
ii. Working experience in implementing solar energy program
5. Linkage and Network 10
i. Working experience with various government or non-governmental
institutions
ii. Membership and networking with professional bodies
iii. Experience in integrated community development activities undertaken
by the NGO highlighting the credit activities, skill training, health,
nutrition, social development etc.
Total 100

5.5 The detailed evaluation criteria and the number of points to be given under each of
the evaluation criteria for Private Entity are:

Subject Points
A. Experience 30
i. Years of experience in conducting business
ii. Years of experience in implementing solar energy program
iii. Total number of solar systems installed
2. Financial Performance 30
i. Equity
ii. Debt to equity ratio
iii. After tax profit
iv. Debt service cover ratio
3. Institutional Capacity 20
i. Audit report findings
ii. Number and type of staff i.e. team composition and task assignments
iii. Academic qualification of Chief Executive Officer (CEO)/Executive
Director (ED)/Managing Director (MD)
iv. Experience of CEO/ED/MD
v. Capacity at field level for implementing solar energy program
vi. Qualification and experience of proposed professional staff
4. Familiarity in the Programme Area 10
i. Working experience in the programme area
ii. Working experience in implementing solar energy program
5. Linkage and Network 10
i. Working experience with various government or non-governmental
institutions
ii. Membership and networking with professional bodies

Total 100
 13

• The decision of the Selection Committee shall be final.

 14

Section 4
Application Form

Infrastructure Development Company

Limited
UTC Building, Level - 16, 8 Panthapath, Kawran Bazar, Dhaka-
1215, Bangladesh
Phone: 880-2-9102171-8, Fax: 880-2-9102084, E-mail: contact@idcol.org, Web:
www.idcol.org

APPLICATION FORM FOR SELECTION AS PARTICIPATING

ORGANIZATION (“PO”)

Subject
SL. Information
1. Name of the
NGO/MFI/Priv
ate Entity
2. Year of establishment

3. Nature of business

4. Address of the
head office

Telephone Fax

E-mail Web-site

5. Registration Registration Body Registration no. Date

(a). Microcredit regulatory
Authority

(b). NGO Affairs Bureau

(c). Directorate of Social

Welfare

(d). Joint Stock Company

6. Address of the
regis- tered
office, if differ-
ent from head
office
Telephone Fax

E-mail Web-site
 15

Subject
SL. Information
7. Ownership
structure of the
organization

8. Name of Chairperson
9. Name of Chief
Executive
Officer/Managi
ng
Director/Execut
ive Director
10. List the core
activi-
ties/programme
s

11. Year micro-

credit
programme
started

12. Affiliation Affiliated With Yes/No Date of

affiliation

(a). Palli Karma Sahayak

Foundation (“PKSF”)

(b). Commercial Banks

(c). Other Financial
institutions
(specify)

13. Programme outreach Local Divisional National

14. Area of operation

(name of Districts)

15. Total staff strength

16. Total credit staff

17. Total number
of branch
offices Total Female Male
18. Total number of
beneficiaries
under micro- Total Female Male
credit only
19. Total number
of groups
20. Minimum size of
the loan (Taka)
21. Maximum size of
the loan (Taka)
22. Micro-credit loan Tenor (Years) Grace (Years) Repayme Other
in- Interest rate nt term, if
formation/loan (%, flat) frequenc any, e.g.,
type y up- front
fees
 16

Subject
SL. Information
(a).

(b).

(c).

(d).
23. Savings products Term (Years) Interest Withdraw Other
Deposit rate al term, if any
fre- (%, flat) frequenc
quency y
(a).

(b).

(c).

(d).
24. \ Has a Yes No
renewable
energy Date programme started No. of system Source of fund
program? installed so far
If yes, name of
pro- gramme
(a). Solar home
sys-
tem
(“SHS”)
(b). Solar Street
Light
s

(c). Solar
Rooftops/
Net
Metering

(d). Solar Irrigation

Pumps

(e). Biogas

(f). ICS

(g). Other (specify)

25. Cumulative dis-
bursement
(Taka) as of 31
December
2019/30 June 2019 30 June 30 June 2019/31
26. Recovery rate (%) 30 June 2018/31 December 2019
2017/ December
31 December 2018
2017
 17

Subject
SL. Information
27. Does your Yes No If yes, % 30 June 30 June 30 June
organiza- tion of total 2017/ 2018/31 2019/31
make provision loan 31 Decemb Decembe
for bad loan? classified Decemb er r
as bad er 2018 2019
loan 2017

28. Sources of fund Institution Amount (Taka) Percentage of

for micro- total Re- volving
finance pro- Loan Fund (“RLF”)
gramme (as of
30
June 2019/ 31
December 2019
)
(a). Grant
(b). Loan
from
commerci
al
sources
(c). Members’
sav- ings
(d). POs’ own
fund/
retained
profit
(e). Other
(specify)

29. Financial 30 June 2017/ 30 June 30 June 2019/31

information (as 31 December 2018/31 December
per the fiscal 2017 (Taka) December 2019 (Taka)
years) 2018 (Taka)
(a). Total assets

(b). Total Liabilities

(c). Total
equity
capital
(d). RLF

(e). Total revenues

(f). Total
operating
expenses
(g). Total
operating
income
(h). Interest expense

(i). Net income

 18

Section 5
Business Plan

OUTLINE OF PROFORMA BUSINESS PLAN FOR NGO/MFI

1. Executive Summary
a. Objectives for participating in the program
b. Summary of the main assumptions for the program
c. Presents the management structure for implementing the program

2. Presentation of organizations for:

I) NGO/MFI
a. Track record in micro-credit (amounts, numbers of clients, types of credit, recovery rates)
b. Track record in SHS business, areas of operation, year-wise installation, lessons learnt in
previous projects

II) Private businesses/entities

a. Track record in business/operation (amounts, numbers of clients, types of activities,
profitability)
b. Track record in SHS business, areas of operation, year-wise installation, lessons learnt in
previous projects

3. Operational Plan
a. Programme areas (e.g. the areas where NGO/MFI/Private Entity is interested to work)
• The NGO/MFI/Private Entity should have their existing programmes in the areas selected
for TR/KABITA program.
b. Target. The number of renewable energy systems the NGO/MFI/Private Entity is envisaging
to install in a particular year in line with its capacity.
c. Identification of product range (e.g. service level, performance criteria, various items in range,
maintenance and guarantee issues)
d. Operational procedures, e.g.
i. Supply: quality and procurement; service and guarantees
• Partnership with suppliers for a long term business horizon
• Clear arrangement about service and maintenance
• Training
• Warranty arrangements: very specific with respect to system guarantee to avoid
disputes and beneficiary dissatisfaction guarantee not just on components but also on
performance
ii. Installation: needs; staff; equipment etc.
iii. Maintenance and service
iv. Reporting, accounting and monitoring.

4. Financial Paragraphs
 19

a. Separate program accounting

b. Break down to local offices and then aggregate for the total project
c. Budgets:
i. Financing: e.g. break down of financing of renewable energy systems
• Procurement, transportation, installation, monitoring, post installation service, branch
office and head office management cost etc.
• Payment from upazila offices
d. Full financial forecasts, including Statement of Cash Flow, Balance Sheet, and Income State-
ment

5. Key Issues
a. Challenges (identify the factors that are considered as major constraints by the
NGO/MFI/ Private Entity in implementing TR/KABITA program)
b. Quality issues: Quality above Quantity
c. Service and maintenance arrangements

6. Closing Remarks, Pending Issues, Questions (if any)

 20

Annex to Business Plan

1. Organizational Information
[Please attach the memorandum and articles association/constitutions of your organization, copy
of registration certificates mentioned in the application form, brochures, annual reports, etc.]
2. Composition of Organizational Staff Team
Professional/Managerial Staff
Name Position Task Name of Upazila
.........
............

3. Composition of Proposed Staff Team

Professional/Managerial Staff
SL. Proposed Position Qualification Experience Remarks

[Please attach the supporting documents e.g. certificates on technical qualification, experience of key
staffs]

4. Format of Curriculum Vitae (CV) of Chief Executive Officer (CEO)/Executive Director (ED)
/Managing Director (MD)
Name:
Designation:
Date of Birth:
Years with NGO/MFI/Entity: Nationality:
Membership in Professional Societies:
Detailed Tasks Assigned:
Key Qualifications:
[Give an outline of experience and training. Describe degree of responsibility on relevant previous
assignments and give dates and locations. Use about half a page.]
Education:
[Summarize college/university and other specialized education, giving names of schools, dates
at- tended, and degrees obtained (Enclose photograph, copy of key qualification certificates). Use
about one quarter of a page.]
Employment Record:
[Starting with present position, list in reverse order every employment held. List all positions held
since graduation including dates, names of employing NGOs, titles of positions held, and
locations of assignments. For experience in last ten years, also give types of activities performed and
Executing Agency references, where appropriate. Use about two pages.]
Languages:
[For each language indicates proficiency: excellent, good, fair, or poor in speaking, reading,
and
writing.]
Certification:
I, the undersigned, certify that to the best of my knowledge and belief, these data correctly describe my
qualifications, my experience, and me.
[Signature of CEO and authorized representative of the NGO/MFI] Day/Month/Year

Full name of CEO:

Full name of authorized representative:

5. Audit Report
[Please enclose the certified Audit Report for the last three years (2017, 2018 & 2019 or 2016-17,
2017-18 & 2018-19)]

6. Financial Solvency
[Please enclose Bank Statement of the period for which audit report has been submitted and de-
tailed Bank Information (Name of the bank with address, Account Number(s) with operational ar-
rangement) here]

7. Organizational Structure of the NGO/MFI /Private Entity

[Please insert the Organizational structure of the organization i.e. how it is managing its activities
and how it is planning to implement the Post-Literacy and continuing Programme]

8. Familiarity of the NGO/MFI/Private Entity in the proposed programme area

[Describe the details of office establishment and years of working experience in the
proposed
Thana/Upazilla. Experience of implementing solar energy program should also be
mentioned separately including detail list of solar home system customers, their addresses, mobile
numbers etc.]

9. Working Experience of the NGO/MFI/Private Entity

Working Experience with various government or non-governmental institutions

[This is a sample format, NGO/MFI may use different format if they desired]
SL. Name of the Status of the or- Assignment du- Major Tasks
organization worked with ganization ration
(Governmental
or Non-govern-
mental)
1.

Integrated community development activities of the NGO/MFI

(This should include credit, skill training, health, nutrition, social development and other related ac-
tivities of the NGO/MFI. This is a sample format, NGO/MFI may use different format if they desired]
SL. Title of the Programme Target popula- Achievements to Lesson learned etc.
tion date
1.