CASE STUDIES OF THE INSTITUTIONS INVOLVED IN RURAL ECONOMIC DEVELOPMENT

BANGLADESH KRISHI BANK (BKB)

Background
Bangladesh Krishi Bank was established under BKB Order`1973 with the objective of strengthening rural economy by extending credit support to agricultural and agro-based sectors. In consideration of the importance of Micro-Credit and with the objective of generating employment as well as encouraging social development BKB has undertaken several Micro-Credit programs of its own and also in collaboration with local and foreign agencies. The programs have been designed to cover all segments of poor population whether skilled or unskilled such as small and marginal farmers, landless labourers, destitute women, disabled, unemployed youth and rural artisans etc. About 1417047 beneficiaries have been provided with Tk. 14469.90 million since its inception (upto 30 September,2008). Considering the needs of the target groups since late seventy`s BKB has been implementing a series of Micro-Credit programs out of which 10 programs have recently been completed and 31 programs are in operation at present.

Purpose to operate MC programs
These diversified micro-credit programs are being implemented by BKB to achieve the following objectives:
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To create employment opportunities through income generating activities.

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To empower the rural women to establish their own rights. To improve the living standard of the rural people. To alleviate poverty of the poor people. To make easy access to institutional credit facilities and resources. To mobilize rural savings. To make optimum utilization of rural resources. To engage inactive human resources of the rural areas productive/economic activities. To engage rural people in development process of the country. To eliminate exploitation done by the money lenders.

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LENDING MODEL / PROCEDURE
As specialized bank for agriculture and rural development BKB provides credit support to the rural poor through its diversified micro credit programs. Per capita loan size : 5000-50000. Besides in case of family MCP, loan size is Maximum TK.40000/- per family. Loan size also depends on the nature of loan and varies from purpose to purpose. Interest Rate of MC is 100%.--- Weekly savings TK. 20/25 Repayment system follows Weekly/fortnightly/monthly installment. Repayment period and mode of repayment is fixed depending on the MC program more specifically : the nature of activities and generation of income. In family based MCP, repayment system is fortnightly / monthly / half yearly installment. Mode of repayment depends on nature and purpose of credit. In default management of government RFIs, legal actions are follwed and in this case ,especially documents like demand Promissory note provided by the clients/borrowers used to take action.

Characteristics of Target Group/ Beneficiaries/ Clients
For getting access in the MCP of the bank, selection criteria of the target group members are as follows : 1) Landless and marginal farmers get short term under this program. Persons/peasants having not more than1.50 cores of cultivatable land and annual income of highest TK25000-are eligible for getting credit under this program. 2) After formation of groups and obtaining training the group members get credit without any collateral security. 3) Borrower¶s they have to hypothecate the goods and assets created by the loan. In lieu of collateral they have to take responsibility as guarantor for the recovery of loan within the group.

Education Background: Who are not Loan defaulters in any other financial institution Security: No collateral security for loan up to taka 75000. are not included in this program. other social services like education. Loan size of micro credit: Minimum taka10. Experience: Skilled and experienced in operating micro-enterprise Education : minimum primary school. Repayments: In case of agriculture loan. However in MC loan.collateral security required for loan above 75000.awareness. Savings services include in some MCPs but not regularly.ooo. repayment of loan installments starts after harvesting and marketing of crops. building activities etc. However. Products of BKB Poverty alleviation program of BKB includes only micro-credit. and 10% for non-farm agricultural activities. skill training.000 &Maximum taka 75. Establishment of Breeding Farm of Black Bengal Goat Program: . Loan ownership: Target groups who own 16. Lending rate :8% for farming2004.Profile of Target Group/ Beneficiaries AGE: Those who already have Net annual income of TAKA 10000 to TAKa 50000. repayment starts after one week of loan disbursements.5-250 decimals of cultivable land or sharecroppers.

000/. About 304 beneficiaries have been provided with Tk 14. of LGED of GOB.to each member as short term and Tk. Rate of interest is 15%. The loan is medium term. The project has five components such as: (1) Infra -structure Development. Under this program credit amount upto taka 50. IFAD and Dept. Maximum loan limit is Tk. Interest rate is 8%. purchasing of she-goats & he-goat and initial feed cost.for a small farm consisting of 10 she goats ( with a he.35 million since its inception (upto 30 September 2008). This limit is proportionated for a small farm having upto 50 number of shegoats.000/. Bank Provides short and medium term loan. (ii) Development of Fisheries. Primarily this is to be implemented throughout the selected 22 upazillas under selected 11 districts of BKB`s jurisdiction.60 million since its inception (upto 30 September Community Based Resource Management Project: This project started in 2003-04 fiscal year. The project is to be implemented in all of the 10 upa-zillas of Sunamgonj (a district) at 3 phases within 11 years. Poverty Alleviation through Production and Improvement of Sheep: This is a government directed program which has been launched in the last part of the fiscal year 2004-05. 14.000/. The loan under this project is collateral free. For a medium farm credit limit is to be calculated deducting the cost of goat shed. About 360 beneficiaries have been provided with Tk 3. 27. (iv) Grass Roots Institutional Development and (v) Small Credit Bangladesh Krishi Bank deals with ``small credit`` component of the project.000/is collateral free.goat).This program has been taken to ensure supply of kids of Black Bengal Goats in order to support the national program of poverty alleviation through goat rearing. It is a joint venture project of BKB. (iii) Crop and livestock Development. LGED organizes the target people into 30 member groups. 30. Directorate of livestock provides with extensive services while BKB provides credit from its own fund. This credit limit is calculated for making up goat-shed. Credit limit is Tk. Under this program a farm comprising 50 she goats is considered as a small farm and a farm comprising 51-200 she goats is considered as a big farm. This loan is to be repaid within four years in 6 equal installments including one year grace period.80 million since its inception (upto 30 September 2008) . 1508 credit organization (each credit organization consists of maximum 30 beneficiaries) have been provided with Tk 190.to each member as Medium term. This cost is borne by the entrepreneur.

namely PROSHIKA International would give PROSHIKA an opportunity to mobilize two kinds of international support: firstly. 1976. develop capacities to cope with natural disasters. took its first step. and their meticulous implementation has brought PROSHIKA where it is today. the organization formally emerged in October. It is hoped that creating an international set-up. Although the PROSHIKA development process started in a few villages of Dhaka and Camilla districts in 1975. take better care of their health. become engaged in environmental protection and regeneration. creating an international support base for PROSHIKA's work including the replication of some of its development approaches and innovations in other countries. and action.PROSHIKA has successfully completed one more year of its extended period of Phase VI. Empowerment means that the poor are united and organized. the strategies effective for its reduction and eventual elimination. which stand for training. however. Thus the objectives of PROSHIKA International is as follows: . and have better access to public and common property PROSHIKA has conducted an elaborate strategic planning exercise for its phase-VII. A constant analysis of the magnitude of poverty and its trends. the establishment of an international set-up having its HQ or registered office in a first world country either in North America or in Europe. The central ethos. The strategic document for PROSHIKA phase-VII programming envisages. all the while remained the same---human development and empowerment of the poor who gradually stand tall to achieve freedom from poverty by themselves. become functionally literate. among other things. exploring the possibility of a new source of financial support from the expatriate Bangladeshis who are willing to take part in various philanthropic activities and secondly.PROSHIKA It has been more than two decades since PROSHIKA. increase income and employment. develop leadership among themselves. now one of the largest NGOs in Bangladesh. become aware of the real causes of their impoverishment. mobilize their material resources. get elected in local government bodies and community institutions. education. The name 'PROSHIKA' is an acronym of three Bangla words.

Involving Non-residential Bangladeshis (NRBs) in the development process of Bangladesh It is well-known that a sizable Bangladeshi population lives abroad. Those who cannot make frequent visits due to time and other constraints also express their strong desire to participate in such processes. and (ii) ensuring access to higher education (higher secondary and undergraduate levels) by the poor but meritorious children through offering them scholarships. managing such resources and utilizing them in selected activities/projects in a very planned way maintaining internationally acceptable standards of accounts-keeping and accountability. (i) Programme for Upgrading Secondary Schools The rate of literacy in Bangladesh has increased to 65 percent. PROSHIKA seeks to mobilize resources for implementing activities in the following two important areas: (i) ensuring quality education by upgrading selected secondary schools (preferably girls' high schools). Despite all their interest and sincerity. The enrolment of both girl and boy children has almost reached parity and the enrolment achievement is over 80 percent. In this regard. Bangladesh. the proposed PROSHIKA International can play a vital role in collecting financial resources from non-residential Bangladeshis. especially of the locality they or their ancestors come from.1. a large segment of the NRB population face constraints in their efforts to participate in or continue the development process once they started due to the non-availability of a credible organization and structures with proven records of skill. United States. and the size of the non-residential Bangladeshi (NRB) population is constantly growing. Many of the people belonging to the NRB community have been awarded the citizenship right and many more are awaiting such status. expertise and credentials for channelising resources. All of them still maintain a good relationship with their country of origin.PROSHIKA International. A section of them pay regular visits to Bangladesh and make sincere efforts to take part in the process of development of their native country. Its presence is quite visible in the United Kingdom. Time and again a need for such an institutional arrangement was expressed by the NRB community and PROSHIKA intends to fulfil this need through its international set-up -. The retainment rate is . Canada. Australia. New Zealand and a few other European countries.

have been performing very badly in the public examination. secondary education continues to perform very poorly. As a result. Assistance to renovate the existing classrooms to improve the atmosphere in the schools and make learning effective and attractive for the learners. specially children of the poorer families. the rate of drop-out has also been showing a consistent decline over the last decade. According to newspaper reports. especially in the rural areas. Specific activities under this programme will be: a. secondary education (except very few government schools) has remained to be a private community responsibility for decades. both physical infrastructure and management are very fragile and the quality of education appears to be extremely poor. Assistance for the improvement of the existing science laboratory (by repairing and renovating the laboratory room/building and supplying necessary equipments) or for the construction of room and supply of . The picture of secondary education is much worse than primary education. Assistance to construct additional classrooms to create more capacity in the selected schools to accommodate more primary and PROSHIKA NFP school graduates. there are more than 500 secondary schools from where no student could pass the last secondary school certificate (S. Some positive initiatives by successive governments in the area of primary education in the form of offering stipends to girl students has contributed positively to enrolling and retaining girl students in greater numbers.S. c. Thus. Most schools suffer from a lack of minimum physical facilities. these community-run secondary schools. the quality of education remains a major concern as ninety plus percent investment in primary education goes to staff salary and infrastructure development and hardly any money is left for improving the quality of education and teachers' training. qualified teachers and appropriate learning tools. Whereas primary education is being taken care of by the government as well as NGOs.C) examination. The aim of PROSHIKA's programme for upgrading secondary schools is to provide assistance to selected rural non secondary schools to create more room to accommodate the increasing number of students and to improve the standard of education. b. However. Here. As before.also showing a clear positive trend.

Assistance for arranging facilities for the students by way of constructing common rooms (separately for male and female students) for indoor games and supplying materials for playing indoor games like carom. chess. one representative of the school managing committee (to be nominated by the chairperson of the committee). h. mathematics. Assistance for the construction of an adequate number of hygienic toilets in the school for students. An early audited financial report of the fund management will be made available. The project would will be managed by 5 officials (2 officers & staff members) of PROSHIKA who will ensure the quality of work done. Activities in each school under this component will be implemented under the constant supervision of a local project implementation committee consisting of the head of the institution. Preference will be given to girls' schools and schools with co-education.necessary equipments for setting up the science laboratory. PROSHIKA's internal audit department will ensure proper accounts-keeping. Assistance for the improvement of the school library and procurement of books and almirah/shelves i. . one representative of guardians (to be nominated by PROSHIKA) and one representative of PROSHIKA. etc. for the better teaching of science subjects. one representative of teachers (to be nominated by the head of the institution). where there is no laboratory. on the basis of actual necessity and after ascertaining that the community will be agreeable to cost sharing. ludu. Assistance will also be provided to the selected schools on the basis of actual needs. table tennis. Assistance for the procurement of computers for giving students basic knowledge about the amazing world of computers with a view to making education at this level job-oriented and encouraging them to have further computer education/training in later life and use the skill in the development of the country. social studies and computer f. d. g. e. Schools for providing assistance under this component will be selected through an intensive scrutiny. Assistance for the sinking of deep tube-wells and making other provisions for safe drinking water for the students and teachers. Providing teachers with training for developing their skill in teaching English.

642. PROSHIKA for the last few years has been trying to address this issue and has been offering scholarships to very needy students coming from the poor families from its staff special Solidarity Fund. Of this. Legal and Information Assistance to Bangladeshi Migrant Labourers Some 6. An yearly financial report of fund management will also be made available.5 percent growth over the previous year.000 Bangladeshi workers migrated to Malaysia over the last three decades.(ii) Scholarship for the poor meritorious students Every year a sizable number of very potential students who do very well in the public examinations such as secondary school certificate or higher secondary certificate fail to pursue higher studies due to the inability of their families to meet the expenses needed in the college or university. 2. PROSHIKA intends to expand this scholarship programme with financial assistance from the expatriate Bangladeshis.03 million equivalent to Taka 65. The most popular destination of workers is Saudi Arabia where more than two million workers have migrated. Saudi Arabia is followed by UAE with about 5. Brunei and Singapore. Bahrain. This fund was created in 1998 with the contribution (10% of their annual festival allowance) of the PROSHIKA staff and has been working very well.18818 migrants and Kuwait with 4. Other countries where Bangladeshi workers normally migrate are Qatar. Iran. Oman. PROSHIKA will take the full responsibility of implementing. Jordan.13077 migrants.50. To facilitate this process. More than 500 students so far have benefited from this scholarship fund. Libya. a 14. 3. the expatriate Bangladeshis US $ 11.2005.5 million left the country through official channels and the rest left through private channels. More than 2. In the five years from 1999 to 2003.866 billion in 2004 . The workers remitted US $ 3. . supervising and monitoring this programme and documenting the progress of each individual student in due intervals.30 crores. A detailed profile of each selected student will be available with PROSHIKA International which will appeal for financial support from expatriates for the common scholarship fund and/or for individual sponsorship. Well-developed selection criteria will be followed to scrutinize the applications.858.2 million Bangladeshis are now working in different countries around the world. PROSHIKA will invite applications from the needy students and prepare a list of deserving candidates.

(iii) Building networks. (vi) Sensitizing the Ministry to take stern legal actions against the cheating man-power export agencies. Main activities for PI in this area will include : (i) Collecting information about Bangladeshi migrant workers who are denied human and legal rights through media screening and various portals and web site visits. their positive contributions are offset by two problems. The official action to address the plight of the migrant labourers is far from satisfactory. . (ii) Collecting information regarding who are in jail without having access to any legal help. alliances with host country human rights and labour rights organizations as well as with the local ILO office and extend legal assistance to victims through them. Many migrant workers end up in detention camps without excess to any legal assistance. There are frequent reports published in the daily newspapers of deportation of Bangladeshi illegal migrant workers from the host countries and their resulting vulnerability. One is the rising incidence of migration illegally. Even those who have gone legally and got jobs face various forms of human and labour rights violation including receiving constraint threats of loosing employment or police persecution. with all the risk of exploitation that this involves.000 Bangladeshi workers are currently behind the bars for various alleged offences mostly in the above host countries. (v) Working closely with the Ministry of Expatriate Welfare and Overseas Employment of Bangladesh and sensitize the Ministry to take necessary measures through the consulate of Bangladesh in the host countries. (iv) Collecting migrant labour related information and make that available to the potential Bangladeshi migrant workers. The other is that even for the legal migrants the wage and conditions of work are increasingly deteriorating almost everywhere. Some 5.Migrant workers have made an important contribution to the economies of the countries of migration and through this to remittances to their home countries. They too have generally benefited from the opportunity of working overseas. But many face even harsher treatments. Under these circumstances. However. PROSHIKA International would extend the legal and information service assistance to Bangladeshi migrant workers mainly working in the Middle East and East Asian countries.

CBOs and CSOs from other third world countries who visit PROSHIKA and are offered with orientation on PROSHIKA programmes along with direct field exposure also try to introduce PROSHIKA models creatively in their own situations. media and communication management etc. This is done through providing financial service of credit and savings. popular theatre.(vii) Creating a full-fledged website on migrant labours issues. researchers. As PROSHIKA is endowed with a large team of well-experienced development scholars. advocacy training. Assistance to NGOs of other third world countries can be offered by PROSHIKA as consultants appointed by the donor/donors. management and skill development training. PROSHIKA through its international set-up plans to offer this service to the interested NGOs. every year a good number of NGOs. 3. environmental protection and common resources management. civil society organizations from home and abroad including its international donor partners. Besides. gender and development. mainly those in Asia and Africa and the Latin America. NFPE. Assisting in Replicating the PROSHIKA Model of Development in Other Third World Countries PROSHIKA over the last three decades has been able through its relentless effort to bring about meaningful changes in the lives of millions of poor men and women in Bangladesh. 4. micro-credit. CBOs and CSOs to conceive. researchers and practitioners and is poised to assist like-minded NGOs. Over the last years. human resource development. Mobilization of Financial Resources from international sources for extending credit to PROSHIKA group members for implementing Income Generating Activities For successful poverty reduction one of the prime needs is to assist the poor women and men to generate more income and create employment opportunities. CBOs and CSOs of the third world. more than 200 Bangladeshi small and medium sized NGOs and CBOs have been provided with PROSHIKA financial and technical assistance and most of them are currently following PROSHIKA approaches to poverty eradication and holistic development. hands-on . design and implement various poverty reduction programmes as well as programmes on popular organization and mobilization. The impact of PROSHIKA's holistic and comprehensive development approaches and well-designed development strategies has been highly applauded by the development practitioners.

Taka 10 billion has been provided as credit and technical assistance by PROSHIKA creating 1. On the other hand. PROSHIKA maintains the international standard of audit and accounts principles and practices. So far. The aim is to develop a mechanism for graduated groups of PROSHIKA as well as enhance the capacities of existing small entrepreneurs. The programme has so far extended 35 million Taka loans along formal training. usually from 3 (three) main resources i-e (i) grant from its donor partners (ii) borrowing from domestic financial institutions including PKSF (Palli Karma Shahayak Foundation) and (iii) collecting savings from its group members. Renowned international audit firms conduct PROSHIKA annual audit. and create more employment opportunities for the poor. SEED has been analyzing the dynamics of the micro and small enterprise sector of Bangladesh through action research. Under this circumstances. Besides. PROSHIKA mobilizes financial resources. The resources generated through PI. But PROSHIKA could not access to those resources due to some legal constraints.extension service and marketing support. will be paid back in due time with interest. due to various constraints the availability of resources from domestic financial institution is also limited. self-employment opportunities and has more than doubled their income. the lending institutions and individuals will also have scope to look into the matters if they wish so. PROSHIKA International will be able to borrow money from above sources and which in turn will accelerate the process of PROSHIKA's current effort of poverty eradication. From its beginning in 1995. Whereas. Establishing elementary Bangla School and Cultural Centre Like all other third-world immigrant communities in North America the .6 million employment. it has been observed that donors themselves are no more interested in directly financing any credit programme and thus possibility of getting resources from donors for this purpose is practically nil. It is worthnoting that. several international agencies/institutions and a good number of Expatriate Bangladeshis have expressed their willingness to participate in PROSHIKAs' endeavour to poverty eradication by lending to PROSHIKA for conducting its credit programme. It is expected that. since 1995 PROSHIKA launched a new programme namely SEED (Small Economic Enterprise Development). the demand for credit is on the rise. business counseling and marketing extension supports. PROSHIKA for quite some time was exploring the possibility of borrowing from international financial institutions and or from Expatriate Bangladeshis. 5. Besides. In recent years.

Besides. The school may have such faculties as music. fortitude and determinations. Faced with unimaginable difficulties due to the blockage of fund and other harassment by the government. 1. Ekushey February (International Language Day). dance.654 new villages. 597 unions and 129 wards of 85 upazilas against the targets of 6. recitation fine arts etc so as to nurture the talents skills of Bangladeshi children in this area. There is a growing tendency among parents to let their children expose themselves in a greater degree to Bengali language and culture and grow up with an emotional bond with Bangladesh. Also.518 slums. however. And the activity. 1. had to be conducted from its own resources although the targets of the programmes had to be revised taking into consideration the cash flow situation. 390 unions and 134 wards of 47 upazilas . Victory Day. a cultural centre may also be founded in order to provide cultural education.817 villages. The resurgence of the love for Bengali language and culture can be felt from the fervour with which various special accessions such as Independence Day. there is a widening generation gap between the older and younger segments of the Bangladeshi population. In response to this growing educational and cultural need PROSHIKA International may come forward to establish a Bengali school in an area predominantly inhabited by Bengali-speaking people in USA / Canada. PROSHIKA carried on its organizational programme activities with courage. PROSHIKA has successfully completed the fifth year (July 2003-June 2004) of its Phase VI FYP. As a result.162 slums.Bangladeshi community in under various socio-economic ethnic and cultural premiers and has constantly to find ways to cope with an identity crisis in an environment which is becoming more and more distressful of Asian immigrants particularly Muslims. Area Expansion PROSHIKA activities have been expanded to 10. language and literature. The school will mainly undertake to teach Bengali language at the elementary level. Poila Baishakh etc are observed by the Bangladeshi community in North America. the Bangladeshi community as a whole is now becoming more inclined to preserve and promote their cultural identity.

PROSHIKA introduced its Urban Poor Development Programme. . Human Development Training (HDT) Programme Human development training has always been a key PROSHIKA programme as it helps the group members develop analytical skills and positive attitudes towards social change. Besides.263 EIG projects.147 staff members of PROSHIKA. It allows them to acquire management and operational skills as well to best utilize their potentials as human beings.221 HDT courses for 225. During the last five years 1. Moreover.011. 816 workshops were organized at the GTC and village level during the period with 15.010 boys and girls were being run in the urban areas during the reporting period.163 primary groups were formed of which 864 are women's groups. The amount of loan disbursed against those projects was Tk. A total of 267 NFP schools with 8.525. 5. 1.049 sanitary latrines were installed and 309 household filters were distributed during the period. A total of 13.044.985 group members against the targets of 1. A total of 16. 84 per cent projects were implemented by the women group members.415 participants.842 HDT courses were offered to 16. For the reporting year. To reduce the vulnerability of these people and restore their basic human rights. Urban Poor Development Programme (UPDP) The slum dwellers of metropolitan cities are deprived of all basic needs of life and face constant threats of eviction. 31 slums. 51 courses were offered to 1.during 1999-2004 period.117 million. and 2 wards of 5 upazilas took place during the reporting year. Among these.055 and 20.478 primary groups including 10.250 respectively. Besides.440. 21 unions. Among these. expansion to 136 new villages. 261 were women.175 group members including 168. The urban groups implemented 15.867 women's groups were formed in the urban areas against the targets of 12. of which. 1.000 during the last five years.636 women were held during the reporting period.

Serriculture Development Plant Tissue Culture.12 million trees have been planted. 10.954 acres of land under strip plantation of collaborative project.025 trees were harvested generating Tk. Apart from this. A total of 32. Manikganj.Social Forestry Programme (SFP) Under the Social Forestry Programme 90. land-owning agencies and the Forest Department according to the agreement. Acquaculture Demonstration Farm. and also offers the group members 'hands-on learning' opportunities before they undertake a project. Research and Demonstration Project (RDP) RDP.868.669 acres of sal forest were protected. 4.085 group members including 11. Prawn Hatchery.308.041. a total of 4. so far. conducts experiments on any new technology and production mechanism. SFP protects and regenerates the environment. The ongoing components of RDP are: Ecological Agriculture Project.functional services related to staff management and development.145. technical support and training to its group members which significantly help them implement and manage social forestry projects. provides PROSHIKA with various multi. and 8.480 seedlings were produced as well. located at PROSHIKA's Human Resource Development Centre (HRDC) at Koitta. dedicated.957 women's groups were involved in this programme and planted 1. Moreover. Livestock Farm. .759 income.500 seedlings were planted in 78 kms and 3.500 were disbursed to the group members for nursery development. Human Resource Department (HRD) HRD. PROSHIKA provides credit. and 841. More than 15 million trees were planted and 2. and gender-balanced workforce. The proceeds were distributed among the concerned parties² group members. besides recruiting a competent. Besides. and plays an important role in the socio-economic development of the rural poor increasing their substantial income. 205 RLF projects amounting to Tk.364 acres of sal forest were protected only during the last five years. The group members also protected 667 acres of sal forest with coppice during this year. 33.953 seedlings during the period. PROSHIKA.

During 2003-2004 period. The programs of TMSS have particular focus on women and trafficking. The organization has established different institutions like health services. human resource development.40. including 151 women. Human Rights & Gender.60. Agriculture. Disaster Management. Orphanage center and many other activities for achieving social development goal. Education. Madrasha. Environment & Forestry Programs covering 63 district and supporting 28. has diversified its programs and sought to attain sustainability. nutrition. improvement of . Staff position at the end of June 2004 stood at 7. this meager contribution constituted the initial source of the capital of TMSS. Women Development Organization that works for improving the socio-economic condition of the poor. a total of 353 staff. TMSS. exploiting local resources and mobilizing the meager contribution of a few destitute women who had no institutional know how and organizational conception. fortification. Within the framework of the Program & Projects stated above TMSS has been commencing about 20 types of Microfinance services. Health & health related activities. In fact. Social Development Services. specially the poor women folk by way of income& employment generation. over the decades. reduction in natural disaster. gender equity. Employment Creation Program/Projects. School. eradication of hazardous child labor. were recruited as project staff and to replace the dropouts. the growth of the present day TMSS is not a phenomenon of smooth and linear expansion. Farming & OffFarming Activities. HRD updated and improved its Personnel Management System to make it more efficient and userfriendly during the period TOTAL MANAGEMENT SUPPRT SERVICES TMSS is the largest national level Non-Govt.79. rather its journey over the years cost tough and tedious exercises in making it demand driven.774 families of which 10. women empowerment. However.854 families under development services and 17. Now at present TMSS has been undertaking and executing multi-sectoral programs and projects addressing the current global and national issues like poverty alleviation.920 families of Microfinance services. poverty alleviation and the economic emancipation. technical institutions. technology transfer. improvement of health services etc. College.143. Fisheries & Livestock. reaching out/dropout children.

Strength of management lies in participatory. agriculture and environment came into forefront of TMSS intervention. WHICH ARE:1. TMSS believes that an important component of sustainable development is ensuring gender equity and providing the means of economic empowerment. Crop Diversification. in 1988. renewable energy. food security and enhance utilization of local resources. Along with the poor initiatives TMSS also started commercially operated its own social enterprises as pro poor enterprise which are stated linked its development programs and from the crucial value chain linkage to increase productivity of assets and labor and reduce the risk of the enterprise of the poor. Agro Forestry. democratic. Organization building with the targeted beneficiaries 2. Since its beginning. Prime objective of TMSS is to develop the socioeconomic status & condition of the poor women/ultra poor women & their family members through implementation of grassroots decision and utilizing local human & material resources. 3. technology demonstration. clean fuel etc. Notably. Raising awareness and human resource development Eradicating illiteracy through education & training . The organization has set-up a hospital and is running 65 health centers in order to provide health service to poor peoples. Now it has been working with food-unsecured people (Monga Affected) of Northern part of the country.TMSS is governed by Executive Committee (EC)/ Governing Body and guided by a set of operational guidelines and proclaimed policies.adolescents. Plantation. Seed Promotion and a host of activities being implemented by TMSS contributing directly towards higher productivity. It has been working relentlessly to promote the social rights and economic well being of women. interactive approach towards carrying out its regular functional activities. TMSS was awarded with Presidential Award for Successful Organizer on Development and Begum Rokeya Padak-2007 was given to Executive Director of the organization.

8. Accelerating disaster management & rehabilitation 14. Governing Body is . rules & regulations by joint stock companies and related registration authorities & decisions of AGM. 6. Apart from this Governing Body (elected in each and every three years by the direct voting of General Body members and regular subscribing members) ensure the proper governance of TMSS. Providing technical and financial support for income generating activities Eliminating gender disparity Improving health status of children & women 10.4. Capacity building of local partner 16. and sanitation. 9. NGO Co-ordination and cooperation 13. environment. TMSS Governing body (GB) consists of 15 members who are elected by the members of the General Body of TMSS for a term of three years. Conducting social / action Research 15. 5. Ensuring sustainable process for integrated development of agriculture. Increasing GO. Ensuring good governance. Facilitating the process of identification & enhancement of utilization of local resources 11. livestock. Providing Skill development and employment generation Supporting beneficiaries for local fund development Channeling credit facilities to poor women. 12. 7. formed out policies. TMSS is governed by its registered constitutions. Promoting participatory planning for beneficiaries 17. forestry.

Following are the board members. Engineering to give concession only on Electrical Parameters and QA for all Visual and Dimensional o Comparison between two identical UPS by different people improved the understanding and highlighted the grey area to improve upon and differences reduced from 15 to 4 o Understanding check and discussion brought more clarity in deciding Good or Bad .e. o The specification standards had been redefined . maintaining a control system in the organization.68 in Oct 08 . of deviations increased which were addresses and corrected . o Concession Authorities clarified i. Blame game reduced and cross functional teams emerged with focus on Targets and solving problem solving as a team 3. providing need based consultancies/guidelines etc. the result shown 60 % improvement.11 in Nov 08 o Variable Cost Ratio improved from 12.3 in July 08 to 4. o Workers become more responsible by using IMIC sheet o FTR had improved by 15 % 4.responsible for appointing the Executive Director.e. Quality ± o Started inspection of visual defects o QA started monitoring Performance Indicators namely ±  Quality and Quantity data  Failure Analysis  Audit of Work Instruction  Variance against drawings  Customer Complaint Data analysis o Drawing deviations are reported to Engineering .55 Jul 08 to 2. Initially nos. formulating organizational policies. 2. selecting the CA Farm. Results 1. Work-in-progress inventory ± o WIP worth about 4. Progress Indicators for Business o ITR improved from 2. Magnetic o Shop Inventory came down to one day requirement only 5. Study of NVA lead to redefine the process to eliminate NVA in magnetic area 6.0 lakh taken out from one area i. It also high lights the issues which need to be taken . The Daily meeting had brought lot of clarity in terms of plan for the day and previous day issues and its countermeasures.

TMSS Health Sector 3. Agri-Business Development Loan. Microfinance & Technical Support. 5. capital accumulation of group members 6. 8. Seasonal loan. Micro Assesment by UNICEF MICROFINANCE : 1. Rural and Urban Microcredit. 7. Sector specific Microfinance (Agriculture. 3. Wooden packing out sourced ± thus all wooden material removed from plat leading to saving in wooden material inventory cost EVALUATION INTERNAL EVALUATION : List of Internal Evaluation Report 1. 4. Poultry etc) 9. TMSS Microcredit. Livestock. Small and Medium Enterprise Development (SME). Microcredit for ultra poor. Micro Enterprise Loan. Rating Report by Credit Rating Information Services of Limited (CRISL) 2. 2.A case study External Evaluation 1.o Commissioning FTR from 25 % in Aug to 50 % in Oct 08 o On Time Delivery from 0 in Jul 08 to 70 % in Oct 08 7. Overall Housekeeping of the plant improved . . Supporting (Savings). Overall score improved by 26 % 8. Study Circle Project Evaluation 2.

Loan for Enterprise Advancement & Development. Quality seed promotion production and distribution. Formal Program. 2. Need oriented and trade based training. Engineering Education Program. EDUCATION : 1. Training support to other organizations. Staff development. Technology Transfer. Non-formal Education. . 2. Human resource development. AGRICULTURE : 1. 6. Training of trainers. 3. Life-skill. 7. Agriculture Education Program. 5. Crop diversification. 4. 2.10. TRAINING : 1.    Education: Technical Education Medical Education Program. 3. Skill development training. 3. Vocational training.

5. Institute Building at grassroots. Water & Sanitation. Shelter home for homeless. 3. advocacy for good governance. Lobbying. destitute women. SOCIAL DEVELOPMENT : 1. 2. 2. Advocacy & Lobbying. 7. Support to the disable people. traffic victims.BUSINESS/PROMOTION VENTURE: 1. 3. 6. Legal aid to women victims. Social Business. 5. 3. HUMAN RIGHTS & GENDER : 1. Surveillance of human rights situation. 6. Institution building for primary. secondary and tertiary health service. Marketing & Networking. Mobilization and Campaign on important issues/agendas. Enterprise Development. Alternative dispute & settlement. 4. poor patients. Campaign and awareness campaign. 4. Local conflict resolution. . 2. orphans.

MISSION : TMSS provides its best efforts in bringing the poor womenfolk¶s life/living conditions at a dignified level in the family and society through their capacity building. adaptability. Presented by Hon'bl Adviser of Bangladesh.Dhaka. Dhaka. Dr. VISION : Happy & prosperous women and their families in the society. Bangladsh. Dhaka. National Livestock Exhibition Bogra Award (1st Prize)' 2003 by Department of Livestock. The Weekly Dhaka Post Award 2005 as Best NGO Global Entreprenureship Award . participation in development activities. optimum use of their own/available resource. Fakhruddin Ahmed Award from JUBAK Self Employment Fair 2006 "Best Microenterprize Award. good governance. responsiveness. Arthakantha Businessman Award 2004 by Arthakantha. AWARD : Begum Roakeya Padak. Hosne-Ara Begum by Ministry of Women & Child Affairs. Dr. fulfillment of their legitimate rights and management of their sustainability. y y y y y y y y y y . 2007 to the Executive Director Prof. MIDAS Fair¶ 2004 Success Award on IGA Production by MIDAS Financing Limited.2005" by Palli Karma Shayak Foundation.Bangladesh 2005 as Best Micro Finance Institute (MFI) by UNCDF and Citigroup Gold Award for Best Fisheries 2004 by Ministry of Fisheries & Livestock Zia respectful Felicitation Award-2004 by Zia Social Cultural Forum.

1993 & 1997. "Daridra Mata" Upadhi by Khagrachari Adibasi Shangha. Paul Her's Fellow 1994. Dhaka. Haque Foundation.A. President Award. Award on Agriculture purpose 1986 by the Agriculture Department of GOB.A. Dhaka.Bangladesh y y y y y y y y y y y y . Begum Rokeya Gold Medal Award 2000 by Nari Bikas Sangstha (NBS). Buriganga. 1998 Human Rights Award. PETRRA Award on Innovators in Rice research Suitable for resource poor farmers of Bangladesh by IRRI. Ashoka Fellow on the Upliftment of Women's by self decision/criticism 1992 Award of Crowned with Merit on Social Work by Bogra Cultural Forum. 1996. Literacy Award 2001 by District & Thana Administration. 1998. Bogra Prime Minister's National Afforestation Award. Prime Minister's National Population Award. 1996 by National Human Rights Journalism Sangstha.y y y y Fisheries Award 2002 on Fishculture by Department of Fisheries. Arthakantha Businessman Award 2001 by Arthakantha. M. Haque Gold Medal Award 2000 by M.Dhaka.BRRI & DFID. Vocational Service Award 2000-2001 by President Rotary Club of Dhaka.