Nepalese Women Occupational Support Program
Nawalpur District, Nepal
Implmentation Manual 2017-2019
FOREWARD
China Foundation for Poverty Alleviation is a humanitarian relief and development
organization. Every year, we help millions of vulnerable people through programs in the
areas of health, education, and disaster response as well as for community development.
Domestically we work in all the 33 provinces in main land China. Internationally, CFPA
has undertaken work in 20 countries outside China and has long-term programs in four
countries namely, Myanmar, Nepal, Ethiopia and Sudan, with registered offices in Nepal
and Myanmar.
Immediately after the Nepal Earthquake on 25thApril 2015, CFPA decided to respond and
deployed our emergency response team in Kathmandu on April 26. We have not left Nepal
ever since then. Our relief and recovery programs so far have helped about 180,000
people. Until date, our reconstruction programs have focused on education, disease
prevention, psychosocial counseling, water, sanitation etc. Among all its programs, the
Women Occupational Support Program is CFPA's current biggest program.
With the financial support from Give2Asia, we are now starting the ‘Nepalese Women
Occupational Support Program’, which will target about 300 farmers directly in Nawalpur
District, Nepal. Through trial operation, we will explore the way to promote CFPA
China’s microfinance success to Nepal, hoping to carry out this program in Nepal in order
to improve the living conditions of Nepalese people after the earthquake.
To ensure the success of the program, CFPA will combine its rich domestic experience in
microfinance programs with the social network and expertise of the local NGO and
professionals. CFPA will collaborate with Safa Sunaulo Nepal to co-implement the
program. Women support through Microfinance program is one of the oldest programs run
by CFPA and has more than 20 years of experience in implementing microfinance
programs in China starting from 1996. The organization will introduce the Chinese
experience to program design, implementation and management in Nepal. Safa Sunaulo
Nepal has extensive access to governmental, social resources and which make best use of
advantages for implementation of the program. A team of experts will be invite as
program consultants to keep a check on the program quality.
Finally, I would like to extend my deepest gratitude to all who have contributed to the
development of the Program Manual and express my sincere wishes to the success of the
program.
Wang Xingzui,
Executive Vice President
China Foundation for Poverty Alleviation (CFPA)
1
FOREWARD
Within hours of the earthquake in Nepal on Saturday April 25, 2015, Give2Asia had set up
own Nepal Earthquake Fund and reached out to its donors to help the impacted by this
tragedy. Immediate response to the disaster through programs of infrastructure and
reconstruction, social services, health, and education related programs were conducted.
Give2Asia also directed CFPA to understand how it can cooperate in Nepal. Since 2016 as
Give2Asia was the main donor of Health program (Screening and awareness of Hepatitis
B program), CFPA shares a very good relationship with people where Give2Asia’s funds
were utilize effectively. In addition, 50,000 people benefitted from the program among
which 134 people were made aware of being Hepatitis B +v patients.
Give2Asia is an international grant provider. Give2Asia has been persistent on achieving
sustainable social impacts with social investments. We believe that specific activities
alone could resolve the immediate needs; nevertheless, greater and more impactful
outcomes for longer-term could only be achieved through embedding innovative
mechanism into existing local system. Give2Asia had been actively supporting various
community development programs where, microfinance program is one of the main
programs.
Furthermore, together with CFPA, Give2Asia found that development of the local
economy is an important means to break the vicious circle of poverty, implementation of
the women supports program through microfinance might help increase economic
opportunities and improve the living condition of the local people. Thus, Give2Asia had
collaborated with China Foundation for Poverty Alleviation (CFPA) and encouraged
CFPA to undertake women occupational supports program through microfinance project.
This is a meaningful tryout for Give2Asia to provide regional based collective solution to
a specific need with incorporation of multi-country stakeholders. Give2Asia and CFPA
have had long time cooperative relationship in China on various program areas, non-profit
women occupational support program being one of the most important ones. We are
impressive of their expertise and dedication while implementing programs. I hereby would
like to thank all who have contributed to the designing and implementation of this
program, and we are confident that CFPA, together with the local partners, will definitely
bring a success to this program, and lasting benefits to local people.
Xiao Rong
Country Representative for China
Give2Asia
2
FOREWARD
Within hours of the earthquake in Nepal on Saturday April 25, 2015, China Foundation for
Poverty Alleviation (CFPA) immediate responded to the disaster victim people. CFPA had carried
out more than 15 projects during disaster relief time including disaster elevation, life rescue, food
provision, disinfections treatment, healthcare and material distributions benefiting around 15.57
million people at that time. In past three year after earthquake, we stand firmly with Nepalese
people. On august 13, 2015 CFPA Nepal officially registered in social welfare council Nepal as
being first Chinese civil societies origination in Nepal. In post disaster recovery stage, CFPA
Nepal office completed seven projects with the support from Chinese people. Due to good
response from beneficiaries of implemented projects such as School rebuilt, love package, school
furniture and stationary supports, computer lab and career support for disabilities, post disaster
psychology counseling, Hepatitis B+ screening and WASH programs. Now we plan to launch
more projects next three years in Nepal.
Considering the vulnerable situations of women from disadvantaged groups in Nepal, to increase
their economic opportunities, CFPA Nepal office and our partner Safa Sunaulo Nepal decided to
launch "women occupational supports program" through microfinance for uplifting women’s
capability in Nepal. Through this program, we will explore the way to promote CFPA China
success experience microfinance to Nepal. CFPA Nepal office wants to share our microfinance way
with Nepali people. If successful implementation of the program, 400 household farmers will be
take benefit in Nawalpur District, Nepal.
I am very much grateful to Give2Asia for supports us about this program. They are CFPA
international partner in China. We got support from them immediate fund to the disaster relief
programs such as infrastructure reconstruction, social services, health, and education related
programs were conducted after earthquake in Nepal. CFPA shares a very good relationship with
Nepali people after implementing hepatitis B screening and awareness program. More than 50,000
people benefitted from the program among which 134 people made aware of being Hepatitis B +v
patients. After the result of previous program, Give2Asia provides funds for women occupational
supports program in Nawalpur, Which makes possible preparation of this Implementation Manual.
I also appreciated to Government agencies including the Ministry of National Cooperation of
Nepal, Ministry of Women Children and Social Welfare, District Finance and cooperative Office
of Nawalpur, which have provided their valuable inputs for preparation of this manual.
Correspondingly, Mr. Dao Feng He (Province Executive director of CFPA) Mr. Xingzui Wang
(Executive Vice President of CFPA)
Mr.Hong Tau Chen (Deputy Executive Secretary of CFPA), Mr.Peng Wu (Director of
International Department of CFPA), Mr. Guangtao Yi (Micro- finance Experts in CFPA) and our
local partner SSN have provided us proper ideas and guidelines and provided regular support for
program research.
I am hopeful that this manual will be very useful in providing operating guidelines for the proper
execution of the program.
Zou Zhiqiang,
Country Director,
China Foundation for Poverty Alleviation (CFPA),
Nepal office
3
PROGRAM BRIEF
Women support through Microfinance is not simply banking for the poor women. It is a
development approach with a social mission and a private sector-based financial bottom
line that uses tested and continually adjusted sets of principles, practices and
technologies. The key to successful project lies in the capabilities of the NGOs effectively
to the clients with systems of delivery, market responsiveness, risk management and
control. The two long-term goals of women supports program through microfinance are
mot only supporting the fund to vulnerable women but also giving them a chance to
outreach the market. On the other hand we also support those women vocational training
ensure they can have earn enough money to substantial the future and get more chance
to get more money. Nepal is one of the under developing country in the world. The World
Labor Organization(ILO) recently published the "World Employment and Social
Outlook:2017 Trends"; saying that Nepal's 20% -35% of the labor force lives below the
poverty line, with daily income less than $3.1 dollars, and 5%-7% of the labor force is in
vulnerable employment including farms and house maid employment.
Considering, the vulnerable situations of those women in Nepal from disadvantaged
groups and we will do our best try to increase their economic opportunities for the poor
families. CFPA Nepal office launched “women occupational supports program” through
microfinance to uplifting women’s capability in Nepal.
As the motto of CPFA goes "Persistence Makes a Change", we sincerely hope this pilot
program will be successful in engendering positive outcomes. Thus, the program will also
yield some valuable guidance for future interventions on women supports program
through microfinance. Undoubtedly, it will also contribute to the strengthening of strategic
partnership between the two neighboring countries and the long-lasting friendship of the
people of China and Nepal.
We are hopeful that this manual book will be useful for us to operate the program.
Together, we can make a difference!
Mr. Rakesh Hamal,
Secretary, Safa Sunaulo Nepal
4
ACKNOWLEDGEMENTS
The development of this Manual has been made possible through the funding from the
Give2Asia to China Foundation for Poverty Alleviation (CFPA) for the execution of
"women occupational supports program" through microfinance for uplifting women’s
capability in Nepal. The general objective of the program will focus on increasing access
to quality life for the women groups of devchuli municipality Nawalpur district Nepal.
Our indebtedness and gratitude goes to the many individuals, who have assisted to shape
this Manual in the present form, We cannot be adequately conveyed in a few sentences.
First we would like to express our sincere gratitude to Mrs. Zou Zhiqiang,Country
Director, China Foundation for Poverty Alleviation (CFPA), Nepal office. She is not only
inspired us but also provided constructive suggestions and outstanding guidance to prepare
this manual successfully. Correspondingly, Mr. Dao Feng He (Province Executive director
of CFPA) Mr. Xingzui Wang (Executive Vice President of CFPA) Mr.Hong Tau Chen
(Deputy Executive Secretary of CFPA), Mr.Peng Wu (Director of International
Department of CFPA), Mr. Guangtao Yi (Micro- finance Experts in CFPA) have provided
us proper ideas and guidelines and provided regular support for program research.
We also express our sincere thank to Government agencies including the Ministry of
National Cooperation of Nepal, Ministry of Women Children and Social Welfare, District
Finance and cooperative Offices, Nawalpur have also provided their valuable inputs for
preparation of this manual. Our special thanks go to Mr. Rakesh Hamal, Secretary of Safa
Sunaulo Nepal for his essential role to maintain local government relation and manage
program team effectively. Finally we thanks to Mr. Kabit kumar (manager ) and all staffs
of CFPA Nepal office for their valuable co-operation for preparation of this manual.
We are hopeful that, this manual definitely brings a successful implementation of the
program.
Program officer
program officer
China Foundation for Poverty Alleviation (CFPA) Nepal Office
SSN nepal
5
Approval letter from SWC
6
Agreement form with SSN
7
Contents
FOREWARD ........................................................................................................................................ 1
FOREWARD ........................................................................................................................................ 2
FOREWARD ........................................................................................................................................ 3
PROGRAM BRIEF................................................................................................................................ 4
ACKNOWLEDGEMENTS ..................................................................................................................... 5
Approval letter from SWC ................................................................................................................. 6
Agreement form with SSN ................................................................................................................. 7
1. PROGRAM BACKGROUND ....................................................................................................... 11
2. GENERAL INFORMATION OF PROGRAM ................................................................................. 13
Name of the Program:
Women occupational supports program ............................................... 13
Geographical map of program area ........................................................................................ 13
2.1. Overall Objectives: ........................................................................................................... 14
2.2 Specific Objectives: ............................................................................................................ 14
3. Joint implementing organizations: .......................................................................................... 14
4. Period of Program: April 2018- April 2019 .............................................................................. 14
5. Program Site: ........................................................................................................................... 14
6. Program Beneficiary: ............................................................................................................... 14
7. Main role of CFPA in the program: .......................................................................................... 15
7.1PROGRAM BENEFICIARY AND STANDARDS........................................................................ 15
7.1.2. Program area Standards ................................................................................................ 15
7.1.3 Supportive Standards ..................................................................................................... 15
8. MECHANISM (PROGRAM ORGANIZATION STRUCTURE AND RESPONSIBILITY) ...................... 16
8.1 Program Organization Structure ....................................................................................... 16
Roles and Responsibilities of Each Organization ..................................................................... 17
Social Welfare Council ............................................................................................................. 17
China Foundation for Poverty Alleviation ............................................................................... 17
Role of SSN Nepal .................................................................................................................... 18
Ministry of National cooperation in Nepal or National Cooperative Development ............... 18
Board (NCDB)........................................................................................................................... 18
District Cooperative Institutions ............................................................................................. 18
Local Cooperative Institution .................................................................................................. 18
8.3 Program team formation....................................................................................................... 19
CFPA Team (Program Manager): ............................................................................................. 19
International Cooperative Expert ............................................................................................ 19
8
SSN Team (Project manager):.................................................................................................. 19
Local microfinance institution’s staff ...................................................................................... 20
8.4
Job Qualification: ............................................................................................................. 20
Program Manager: .................................................................................................................. 20
Accountant and Administrative officer: .................................................................................. 21
Social Mobilizer: ...................................................................................................................... 21
Personal Requirement: ............................................................................................................ 21
9. PROGRAM IMPLEMENTATION PROCESS ................................................................................. 21
9.1
Affiliation and Approval: ................................................................................................. 21
SWC Affiliation:........................................................................................................................ 21
Program Approval ................................................................................................................... 21
9.2
Execution Procedures: ..................................................................................................... 21
Preparation of implementation plan:...................................................................................... 21
Co-ordination: ......................................................................................................................... 21
Effective selection of partner MFIs: ........................................................................................ 22
Establish effective ways to monitor partner MFIs and link continued funding to
performances: ......................................................................................................................... 22
Awareness: .............................................................................................................................. 22
Training: ................................................................................................................................... 22
9.3 Program Activities and Schedule ....................................................................................... 23
9.4 Program Schedule 2017-2019 ........................................................................................... 25
9.5 Reporting: .......................................................................................................................... 29
10.
FINANCIAL MANAGEMENT.............................................................................................. 29
10.1 Basic Management Practices........................................................................................... 29
10.2 Nepal partner SSN financial management practices ....................................................... 29
11.
PROGRAM INFORMATION SYSTEM ................................................................................. 30
Collection of information content and frequency................................................................... 30
Collection, recording and transmission of information .......................................................... 30
12.
PROGRAM MONITORING AND PENALTIES ...................................................................... 30
Program Monitoring and Audit ............................................................................................... 30
Frequency of Monitoring......................................................................................................... 31
Monitoring Content................................................................................................................. 31
Violations ................................................................................................................................. 31
ANNEX- I: ................................................................................................................................. 32
Official letters .............................................................................................................................. 32
9
i.
Cooperative and member agreement form on ................................................................... 32
ii.
Cooperative rules ................................................................................................................ 32
iii.
Stamped letter of rules........................................................................................................ 32
iv.
Provide local cooperative rule form to the donor (CFPA head office) ................................ 32
v.
Loan process ........................................................................................................................ 32
Annex II: PROGRAM FORMS .................................................................................................... 36
Form 1: Attendance Form (Microfinance experts).................................................................. 36
Form 2: Meeting attendance (local women)........................................................................... 37
Form 3: Daily Program Progress Form .................................................................................... 38
Form 4: Monthly Program Progress Form: .............................................................................. 39
Training Management Form........................................................................................................ 41
Form 5: Training Record Form................................................................................................. 41
Beneficiary Management Form................................................................................................... 42
Form 6: Basic information of Beneficiaries ............................................................................. 42
Form 7: Questionnaire with Beneficiaries before the training ............................................... 43
Form 9: Referral Form ............................................................................................................. 45
Form 10: Materials Record Form ............................................................................................ 46
Form 11: Evaluation form (by local women) ........................................................................... 48
Form 12: Finance Management Form (Fill Request for Operational Cash Advance) .............. 49
10
1. PROGRAM BACKGROUND
Microfinance is not simply banking for the poor; it is a development approach with a
social mission and a private sector-based financial bottom line that uses tested and
continually adjusted sets of principles, practices and technologies. The key to successful
microfinance lies in the Capability of the provider cost-effectively reach to critical mass of
clients with systems of delivery, market responsiveness, risk management and to ensure
this system to generate a profit for women group and make substantial.
Women occupational support program through Microfinance is financial services to the
vulnerable women. Microfinance is definitely one of the tools of eradicating poverty and
empowering economic status of vulnerable people. Vulnerable people also have their
financial needs; so financial services such as savings, loan or insurance are necessity for
them. The major strength of microfinance is that it provides these services to the
beneficiaries and helps them to improve their economic & social conditions.
Chinese leader Mao –Utse Tung had once said, "Women hold up half of the sky". It is
because half of the world's population is women. Women are regarded better half of the
society. However, the status of women is still miserable, Women are still 70% of world's
poor and two third of worlds illiterate. They have occupied merely 14% managerial and
6%in council of ministers. In most of the legal systems, they are still unequal poverty has
women's face (HDR, 2011). Hence, the conclusion of human development report, 2010
was "Investing in women's capabilities and empowering them to exercise their choices is
not only valuable in itself but is also the surest way to contribute to economic growth and
overall development. (Entrepreneurship development 2011)
Nepalese women are facing various social, financial, religious and cultural problems. The
biggest obstacle facing women entrepreneur is access to credit service. Access to financial
resources by low–income women is a key factor in human development. Women have to
face the social pressure of bringing up children, look after household affairs and maintain
family unity. Due to this, women cannot work full time completely in their business.
(Entrepreneurs development, 2016)
11
Nawalpur district is a land of cultural diversity with multi-lingual, multi-religious multiethnic society. According to the statistics of office of Nawalpur District, the female
literacy rate was 62.76% in the year 2014. Women population of Nawalpur district is
52.81%. Among them, only 14.17% women are engaged in small businesses and majority
of the women population were engaged in agriculture.
Nepal is a patriarchal society. Women's lives are still concentrated in their traditional roles
like as taking care of their families, hosting housework, taking water, animal husbandry
and farm work. The social status of women depends up on economic status of their parents
and husband. The current literacy rate of women is still low and the situation is not
optimistic. Many socioeconomic and traditional cultural factors affect girls’ School
enrollment and lead to higher dropout rates. The traditional role of positioning and lack of
education lead to a lower wage (approximately 25% lower) for women compared with the
wages paid to men in the same employment opportunity. In the market; women get limited
opportunities in production services, education, and healthcare services. About 40% of
rural women are unable to find jobs. Disadvantaged social and economic status also makes
them to be very vulnerable situation.
In 2016-2017, the CFPA team with microfinance experts had visited the Nawalpur area
three times from Dec 2016 to May 2017, to conduct research and assessment work and to
build the program team. We understood the entire situation of the women of
devchuli municipality of nawalpur district. In order to overcome socioeconomic problems of women we will focus on two equally viable
approaches.
i)
To provide necessary capital fund to the needy women through local microfinance
institutions to start-up their own small enterprises,
ii)
To provide necessary skills and trainings to the target groups to run their small
enterprises.
Through these partnerships, we will be able to maximize reach of occupational supports
services among the poor, vulnerable and disadvantaged populations and help improve
their economic conditions.
12
2. GENERAL INFORMATION OF PROGRAM
Name of the Program: Women occupational supports program
The selection of program location area is under following basic standards

Rural area with limited access to resources like as assets, education,
health facilities economic opportunities etc.

Majority of women has involved only agriculture business.

Women are live in below poverty line without active business.
Geographical map of program area
The
program
is
expected
to
beneficiary
are
women
of
Devachuli municipality in Nawalpur district.
Program Coverage
Area
Fig: Devachuli is a municipality, Nawalpur District (Source: NEWAH MSE MIS
Division)
13
2.1. Overall Objectives:
The general objective of the program will focus on increasing access to quality life for
the women groups of devchuli municipality nawalpur district Nepal.
2.2 Specific Objectives:
i.
To introduce trainings, invest capital and create employment opportunities
for local women groups based on local cooperative system and transfer
CFPA Beijing’s Microfinance experience in Nepal.
ii.
To promote gender equality, improve the overall development of women in
the target area and enhance their capability through income generating
programs and capacity- building activities.
iii.
To provide market platform and marketing capability to the targeted
women after completion of trainings and encourage high productivity in
their businesses like as farming, technical etc.
3. Joint implementing organizations:

China Foundation for Poverty Alleviation (CFPA)

Safa Sunaulo Nepal (SSN)

Ministry of National Cooperation of Nepal

District Cooperative offices
4. Period of Program: April 2018- April 2019
5. Program Site: Devachuli municipality, Nawalpur Districts , Nepal
6. Program Beneficiary: Four hundred women and their family will be the main
beneficiaries of the program.
14
7. Main role of CFPA in the program: Provide capital and training to the target
group to start-up their own small-businesses and run their small businesses actively.
7.1PROGRAM BENEFICIARY AND STANDARDS
7.1.2. Program area Standards
 Rural and marginalize area.
 Majority of women are not involved in active business.
 Weak socio-economic conditions of women.
7.1.3 Supportive Standards:

400 household’s women (Poor, widows, disadvantage ethnic groups)

Provide capital fund and training to the target group.
15
8. MECHANISM (PROGRAM ORGANIZATION STRUCTURE AND
RESPONSIBILITY)
8.1 Program Organization Structure
International Cooperative
experts (from China)
Social Welfare
Council (SWC)
Policy, Approval and
Coordination
China Foundation for
Poverty Alleviation (CFPA)
Monitoring and Evaluation
Ministry of National
cooperation in Nepal
Safa Sunaulo Nepal
(SSN)
Coordination & Approval
Program
Implementation
District Division of
Cooperatives
Local MFI
Local MFI
Local MFI
Beneficiaries
16
Roles and Responsibilities of Each Organization
Social Welfare Council

Program policy approval and suggestion for proper program
implementation plan.

Assist in program monitoring and evaluation.
China Foundation for Poverty Alleviation

To lead the program development plan, to involve in establishment of
rules and regulation of the program.

To construct the implementation plan and technical standards of
women supports program

To establish and complete the information system of microfinance
program, to develop the program monitoring plan and rules; and to
organize
the
monitoring
activities
to
observe
the
program
implementation

To provide Financial and technical support to SSN to implement
program effectively and efficiently

To supervise the proper use of funds and monitor the implementation
process

To assist on providing technical trainings to the microfinance experts

To assist in the prioritization and selection of partner microfinance
institutions

To provide technical training and necessary assistance to the local
cooperative staffs and facilitators

To assist local partners in establishing cooperative relation with related
government agencies, local organizations, microfinance institutions
and media of both Nepal and China to attain preferable policies and to
create
favorable
external
environments
for
the
program
implementation.
17
Role of SSN Nepal

Finalize the appropriate target area and beneficiaries for the project.

To select and finalize the local cooperatives to work with in this project

Collection, recording and transmission of information

Provide timely information of computer entry information and content.

Analyze the program data at the end of each month with information
Officer and keeps a financial check to ensure if the input information is
exact, true and complete.

Transfer the related monthly data in a timely to the office of China
Foundation for Poverty Alleviation Nepal office on variety of statistics,
indicators, reports and other information provided by information system.
Ministry of National cooperation in Nepal or National Cooperative Development
Board (NCDB)

`To provide approval and coordination to the district cooperative
institutions and local cooperative institutions
District Cooperative Institutions

To provide technical advice and assistance for smooth implementation
of the program.

To build cooperation with other microfinance institutions and local
microfinance organizations

To assist with monitoring and observation for betterment of the
program
Local Cooperative Institution

To assist the program in proper technical standard

To assist workers and facilitators

To build cooperation with staffs and clients

To maintain proper relation and cooperation with district microfinance
officials and local microfinance staffs.
18
8.3 Program team formation
CFPA Team (Program Manager):
The Program Manager is in charge of overall program team. S/he will be
responsible for overall execution of work and proper coordination among all team
members in the program area. Other responsibilities are:

Report the progress reports to the country director

Assist the Country Director in program implementation

Consult experts for trainings (date, time, budget, place etc)

Enhance capacity building of the program

Monitor the program

Manage capital budget and accounts of the program

Reassure the work performance of SSN manager in the program and check
if he performs according to rules of microfinance manual handbook
prepared by CFPA.

Check the income/ expense account of the program of SSN office
International Cooperative Expert
The international cooperative expert from China will assist the program and
provide trainings, awareness and necessary information and guidance to the local
women group and local cooperatives of the target area.
SSN Team (Project manager):
The SSN team will hire a project manager for the program. The following are
his/her job description:

Finalize the appropriate target area and beneficiaries for the project.

To select and finalize the local cooperatives to work with in this project

Collection, recording and transmission of information

Provide timely information of computer entry information and content.

Analyze the program data at the end of each month with information
Officer and keeps a financial check to ensure if the input information is
exact, true and complete.

Transfer the related monthly data in a timely to the office of China
Foundation for Poverty Alleviation Nepal office on variety of statistics,
19
indicators, reports and other information provided by information system.
Local microfinance institution’s staff
They are responsible for effective selection of the actually beneficiary for the
program, allot the loan to the actual needy beneficiary and help provide maximum
benefit to the target group of the women to uplift their living standards.
Fig: Program Team Structure
8.4 Job Qualification:
Program Manager:
a) Master degree or above in relevant field, 3 years of working experience
b) Excellent written and spoken English ability
c) Strong organization, management, coordination and operation ability
d) Prior experience in NGOs is preferred.
e) Highly sensitive with community behavior and value
20
Accountant and Administrative officer:
a) Bachelor degree or above in account and finance
b) 3 years of relevant working experience and very good organizational skills
c) Prior experience in NGOs is preferred
Social Mobilizer:
a) Certified with relevant working experience
b) Prior experience in NGOs is preferred.
Personal Requirement:
Safa Sunaulo Nepal is responsible for the recruitment of related personal for the
program. However, CFPA shall attend during interview or Safa Sunaulo Nepal
shall seek advice from CFPA Nepal office in advance.
9. PROGRAM IMPLEMENTATION PROCESS
9.1 Affiliation and Approval:
SWC Affiliation: As per the requirement, working as legal entity in Nepal, CFPA
will submit all necessary documents including its constitution to SWC and get
registration, affiliation and approval to work in development sector in Nepal.
Program Approval: CFPA will submit program proposal and take approval from
the National Cooperative Development Board (NCDB) of Nepal and Department
of financial institutions and cooperatives.
9.2 Execution Procedures:
Preparation of implementation plan: Implementation plan developed in close
coordination with National Cooperative Development Board (NCDB) and
cooperatives of concerned districts.
Co-ordination: From the beginning of program to the end, coordination with
NCDB, District Cooperative Offices and concerned MFIs will be maintained for
proper execution of program
21
Effective selection of partner MFIs:
Development of rigorous criteria for selecting partners NGOs, sustainability,
provision of technical assistance for their capacity building and monitors their
institutional development.
Establish effective ways to monitor partner MFIs and link continued funding to
performances:
Monitoring indicators should be clear and transparent and address portfolio
quality and operational efficiency. Closely monitor performance of those MFIs
and check if the institution is following the comprehensive standards/ guidelines
developed by CGAP (Consultative Group to Assist the Poorest).
Awareness:
Awareness will rise among the people through print and visual aids like posters,
pamphlets, documentaries etc. introducing the women occupational support
programs and the support it can provide to the target beneficiaries.
Training:

Trainings to the local cooperative staffs on capacity building and proper
implementation of rules and procedures of the cooperative for the benefit of
the local people.

Management training for proper implementation of program activities

Orientation and training on awareness of microfinance, its activities, loan
procedures and the rules associated to it.
22
9.3 Program Activities and Schedule
1. Documentation and Printing
Key Action Steps
Time Frame
Responsible Team
Responsible
Assist
Audit
Prepare
Program
Manual
handbook and work plan of
program and discussion with
SSN and microfinance experts
Approve Program Manual and
work plan by CFPA Beijing
By 1st week SSN
of Feb 2018
Microfin
ance
experts
CFPA
By 2nd week CFPA
of Feb 2018
-
CFPA
Beijing
Approve Program Manual from
National
Cooperative
Development Board (NCDB)
Prepare Training Plan and
Activities
Design brochure and templates
with cartoons/pictures
Print out the Program Manuals
and Handbooks
By the mid of Microfinance
March 2018
experts
SSN
CFPA
SSN
CFPA
CFPA
CFPA
By end of Microfinance
March 2018
experts
By 2nd week SSN
of April
2. Training and Program Preparation
Key Action Steps
Time Frame
Responsible Team
Responsible
Assist
Audit
Report and sign a Program Mid of April SSN
Agreement with the SWC of 2018
Nepal
CFPA
CFPA
Sign a contract with a local By 2nd week SSN
partner in Nepal
of May 2018
CFPA
CFPA
microfinance By 3rd week of Team
of SSN
May 2018
Microfinance
experts
CFPA
Build team
experts
of
Select the partner MFIs and By end
inform the community people May 2018
about the microfinance program
of
SSN
-
CFPA
23
3. Implementation
Key Action Steps
Time Frame
Responsible Team
Responsible
Assist
Audit
Start the program and trainings 2nd week of Microfinance
SSN
CFPA
3rd week of SSN
Microfin
CFPA
June 2018
ance
on program management and June 2018
experts
rules and procedures for loan
distribution
Issue the loans
experts
Daily management of the services Till the end of Microfinance
provided by the microfinance
June 2018
experts
SSN
Time Frame
Responsible Team
CFPA
4. Inspection and Supervision
Key Action Steps
Responsible
Assist
Audit
SSN
-
CFPA
CFPA/ SSN
-
-
CFPA
-
-
Preparation of the feedback report December 2018 CFPA
-
SSN
SSN
CFPA
Periodic Program Supervision by Sept 2018
Give2Asia, CFPA, DDC
and
SWC
5. Reporting of Program
Program report submission to
Oct 2018
District cooperative offices
Program report submission to Nov 2018
SWC,
CFPA
Beijing
and
Give2Asia
of the program
Fund circulation plan starts
June 2019
CFPA
24
9.4 Program Schedule 2017-2019
Items
2017
Line Item Description
Assessment work in Nawalpur
district and build the program
Assessment
team
Joint preparation of assessment
manual and Submit to CFPA
Beijing
Submit assessment paper to
GIVE2ASIA
Sign a contract with the local
partner in Nepal
Prepare the report of project
line
Item2: agreement with the SWC of
Preparatory work
Nepal
sign the project agreement with
the SWC of Nepal
Agreement
with
the
2019
7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1
Preparatory Work Meeting
Line Item 1: Needs
2018
local
2
3
4
5 6
7
government/ municipality and
DDCs
related
to
(Microfinance
(approval
MFIs
Institutions)
of
pre-consensus
letter)
The
selection
of
local
with
local
cooperatives
Agreement
cooperatives (MoU)
Start the program and trainings
Planning and implementation
of fund circulation
Issue of loans
Daily
management
of
the
handbook
of
program activities
line Item3:Printing
and
Documentary
And Training
Compile
the
program
management
and
training manual approved by
CFPA
Beijing
office
and
GIVE2ASIA
Preparation of quarterly reports
26
submission
to
District
Cooperative
office
MFIs,
CFPA,
Nepal’s
office
and
SSN.
Printing passbook, cash book,
loan voucher, loan receipt,
payment voucher of related
documents
Training on the management to
the local cooperative’s staffs
for the program area team
Line
Item
Implementation
4: Services at local cooperative
offices
CFPA
monitoring
and
evaluation meeting
District cooperative division
line Item 5:
and SWC Supervision
Inspection
and GIVE2ASIA
Supervision
program area
visiting
the
General Assembly arranged by
the
cooperatives
(income,
expenditure, cash flow etc is
27
discussed)
Social Audit is arranged by
SSN
and
Activity
CFPA
and
discussed)
(Budget,
Output
and
is
media
relationship is built
Final
report
for
Headquarter,
CFPA
Donor
organization (Give2Asia) and
District cooperative division
Line Item 6:Report
and Communication
Update
information
to
the
CFPA Beijing and Give2asia
Annual report and financial
report
Feedback report
28
9.5 Reporting:

Every day, the cooperative staffs will keep the records of beneficiary and loan information.

Every month Safa Sunaulo Nepal shall write monthly report on program progress to the CFPA Office.

Safa Sunaulo Nepal shall prepare quarterly report on loan disbursements, statistics of beneficiary and improvements status of the patient.

Safa Sunaulo Nepal shall compile each document for final report preparation.

Every six month Safa Sunaulo Nepal shall submit the summary report together with financial statements to CFPA office.
10. FINANCIAL MANAGEMENT
10.1 Basic Management Practices
Before allocation of next budget, CFPA will confirm execution of program in accordance with program operations manual and work plans.
According to Nepal Office and SSN program reports examination, will decide whether to continue, suspend or terminate the program
funding.
10.2 Nepal partner SSN financial management practices
i. Ledger accounts systems and program implementation guidelines used in existing accounting system in Nepal.
ii. Capital expenditure should strictly follow program implementation guideline provided.
iii. SSN can spend in institutional capacity, building funds: employee wage and beneficiary information collection, capacity building,
training, program commencement and payment activities, program monitoring, office equipment and administrative expenditure and so
on.
iv. Beyond the scope of spending accounts, need to be reported to CFPA Nepal Office for approval.
v. Under budget expenditure, program accounting should be based on monthly work plans approved by the program manager and CFPA
Nepal Office.
11. PROGRAM INFORMATION SYSTEM
Collection of information content and frequency

Collections of beneficiary Information are in every three months.

Collections of the financial statements are in every six months.

Regular collections of case studies of beneficiary are in six every month.
Collection, recording and transmission of information

SSN local staffs will collect and transmit to program manager all the information from the program area.

The Program Manager and Finance Officer must provide timely information of computer entry information and content to information
officer.

Information Officer monthly checks the logic of program data at the end of each month.

Information Officer regularly transmits variety of statistics, indicators, reports and other information data to the China Foundation for
Poverty Alleviation Nepal office.
12. PROGRAM MONITORING AND PENALTIES
Program Monitoring and Audit

The International Department of China Foundation for Poverty Alleviation will regularly conduct monitoring, inspection and work
steering of Nepal Program and invite donors to the program area.

CFPA Nepal office will monitor and audit the program.

According to the two-year post-disaster programs signed by CFPA and SWC, the programs will be monitored on a regular basis, annual
30
audits and assessments.
Frequency of Monitoring

Nepal Program staffs and national officers

Weekly and monthly monitoring
Monitoring Content

The quality and quantity of works and materials.

Punctuality and services of microfinance and cooperative experts from China.

The work plan and schedule.

Program forms.

The procurement process compliance.
Violations
Under following conditions, the Nepal partner organization will be warned and requested immediate remedy:

Credit and loan rules and procedures not followed under the rules of NCDB

Workflow is not in accordance with the operation manual

Content is not in the scope of the program.

Program implementation is in disorder and violation of over two contents of program operations.
31
ANNEX- I:
Official letters
i.
Cooperative and member agreement form on
ii.
Cooperative rules
iii.
Stamped letter of rules
iv.
Provide local cooperative rule form to the donor (CFPA head office)
v.
Loan process
Table 1: Loan progress monthly filled up by the cooperative）
A1
Loan balance at the beginning of the month
(NRs.)
A2
Overdue loan amount among A1(NRs.)
A3
Number of households with loans at the
beginning of the month
A4
Number of households with overdue loans
32
among A3
A5
Amount of loan due this month(NRs.)
A6
Amount of maturing loans received this
month(NRs.)
A7
Amount of new loans this month(NRs.)
A8
Number of newly joined households with
loans this month
A9
Loan balance at the end of the month(NRs.)
A10
Overdue loan amount among A10(NRs.)
A11
Number of households with loads at the end
of the month
A12
Number of households with loads at the end
of the month among A11
A13
Percentage of the overdue loads at the end
of the month (%)
33
Attachment：
Name list of the members taking new loans
this month, with separate state of the
condition of women’s loans.
Table 2: Annual Report Table (filled up by the cooperative）
Annual Report Table (Submit to the monitoring organization before January 20th next
year)
Basic situation
Total household number in the community
Women’s households number
Household number at the beginning of the year
Newly joined household number this year
Newly joined women household number
Household number at the end of the year
Assetsend of the year）
Cash
bank deposit
Loan balance
Overdue loan balance among the above
Load risk fee
Debt (end of the year)
Wholesale loan
34
Other loans, please specify
Net assets (end of the year)
The total share capital at the end of the year (NRs.)
Among them: Program seed capital
Member deposits
Other funds (please specify the source of funds）
central provident fund(CPF)
public welfare fund
Income (Annual）
Total income
Among them: loan interest income
Other income: Please include in specific subject
Cost (Annual）
Salary cost
Other cost
Interest (Annual）
Total Interest
Tax
Net profit
35
Annex II: PROGRAM FORMS
Form 1: Attendance Form (Microfinance experts)
Name of the cooperatives:
S.N Name/ Position
Date:
Time In
Time Out
Signature
1
2
3
4
5
Prepared by:
Name:
Position:
Signature:
*Note: Training Participants will be provided with food/accommodation allowance and certification after training completion.
36
Form 2: Meeting attendance (local women)
Name:
S.N Name/ Position
Date:
Time In
Time Out
Signature
1
2
3
4
5
6
Prepared by:
Name:
Position:
Signature:
37
Form 3: Daily Program Progress Form
Cooperative
Location:
Name/ Date:
Total no. of Beneficiaries:
In-Charge:
Male:
Female:
Services received
Outcomes
Difficulties
encountered and
support needed
Next Day Plan
Remarks
(Additional
Information/
Description
any)
if
Prepared by SSN:
Signed By CFPA:
Name:
Name:
Organization:
Organization:
38
Seal:
Seal:
Form 4: Monthly Program Progress Form:
-
-
Program Description
Program Title:
Implementing Agency:
Contact Person:
Budget:
Program Start Date:
Program End Date:
Target versus Achievements:
Activities
Target
Achievements
39
Services at the cooperatives
-
Activity Report:
Outcomes
Difficulties encountered and how they
were addressed
Remarks (Additional
Description if any)
Information/
Prepared by SSN:
Signed By CFPA:
Name:
Name:
Organization:
Organization:
Seal:
Seal:
40
Training Management Form
Form 5: Training Record Form
Date:
Training Agenda:
Trainer:
S.No.
Trainee Name/ Position
Address
Contact Info
Signature/Date
1
2
3
4
5
6
7
8
41
Prepared By:
Name:
Position:
Signature:
Beneficiary Management Form
Form 6: Basic information of Beneficiaries
S.No.
Name
Address
Contact Info
Signature/Date
1
2
3
4
5
42
Form 7: Questionnaire with Beneficiaries before the training
1.
What are your current economic activities for generating income?
2.
What resources (land, labor, capital) do you have?
3.
What program and activities best matches to the needs and resources of your
family/ community.
4.
Which area would you suggest for the program activity to take place? What is the
comparative advantage of each location suggested?
5.
What are the best feasible microenterprises/ micro businesses (activity, product
and services) that could increase disposable income for poor families and have
better marketing prospects in the local area?
6.
What type of trainings do you think are required?
I have had a chance to ask questions which were answered to my satisfaction. I believe I
understand the benefits and risks of the loan terms and I request for the loanto be given
to me or to the person named above for whom I am authorized to make this request.
………………………….
Signature of Beneficiary
Date:
Checked By
Name:
Designation:
43
Form 8: Questionnaire with Beneficiaries after the training
1. What benefits did you receive after training?
2. How will you manage your capital after getting trained?
3. How much interest rate are you willing to pay back on the capital received (fixed
term loan with repayment every 6 months?
4. How will you pay back the capital received?
5. Will you be able to pay-back the money to the cooperative within a year?
I have had a chance to ask questions which were answered to my satisfaction. I believe I
understand the benefits and risks of the loan terms and I request for the loan to be given
to me or to the person named above for whom I am authorized to make this request.
………………………….
Signature of Beneficiary
Checked By
Name:
Designation:
Date:
44
Form 9: Referral Form
Name:
Age:
Sex:
Address:
Contact # (If applicable):
Occupation:
Reasons for referral:
- Poor living condition
- Low income and lack of assets or resources
- Low social status
Referral to:
Cooperatives
- Does the person have past loan history? If yes, does he have bad debt?
Have the person currently under the debt from any other organization?
- How will the person utilize the loan, in what business? Is it an effective investment?
45
-How much capital is required for the startup of the small enterprise? How much loan is required?
- Does he have the collateral for the loan? (In case of bad debt)
-Will the income earned from the micro- enterprise earn enough money to be able to repay the loan amount? In what length of time, can the loan be
repaid?
Referred by:
Name:
Designation:
Date:
Form 10: Materials Record Form
Cooperative Name/ Location:
Date:
In-Charge:
46
Total no. of Beneficiaries:
Male:
Female:
Materials and Equipmentsused
SN
Name
Quantity
Total
Used
Remaining
1
2
3
4
Prepared by
Signed By:
Name:
Name:
Organization:
Organization:
Seal:
Seal:
47
Form 11: Evaluation form (by local women)
S. No.
Name
Rate in scale from V. poor to excellent
V. Poor
Poor
Good
V. Good
Excellent
1.
2.
3.
4.
48
Form 12: Finance Management Form (Fill Request for Operational Cash Advance)
No:…………..
Cash Advance No.:
Amount in words…………………………………………………………………………....
………………………………………………………………………………………………
Requested by/Organization：………………...............Currency:.……………..................
Position or ID No.:……………………………………........................................................
Date required:…….……………….(D/M/Y) Est. Clearing Date:…….…………..(D/M/Y)
Advance for Procurement
Bank: ……………………………………………………………....Branch…………………….....
Cheque No: …………………………………………………
49
Advance for ………………….............................................................................................
A/c Head
Purpose(Program)
……………………
Payment by
Amount (NRs.)
………………………
Received by
50
Agreement Form
Department
Contact
Reg. No.
Name of the
Constructor
Date
Department
PAN,
Audit Report
Attorney
Manager
Finance
Budget:
Comments:
Signature of Contractor
Signature of Director
51
Schedule-01
[Relating Regulation Article 05]
Stamp and symbol of the institution
The symbol of the institution or the stamp logo shall be of this type
Seal of the
Cooperative
52
Schedule-02
[Relating to the Cooperative Regulation rule 21, Sub rule (01) Part (Ka) and Relating to Article 17 of the Regulation]
Sakriya sana kisan krisi sahakari sanstha Ltd.
(Shree Active Farmer Agriculture Co-operative Ltd Devachuli is a municipality)
Membership Registration Book
S. No.
Name
Members
of Husband
Name
Father
in Age Address
Law Name
Occupatio
n
Purchase Date of member
d Share
Number
Name of Age
nominate
heir
Sign
ature
address
1.
2.
3.
4.
5.
6.
7.
8.
9.
53
Schedule 03
(Relating to the Regulation Article 19)
Sakriya sana kisan krisi sahakari sanstha Ltd.
(Shree Active Farmer Agriculture Co-operative Ltd. Dibyapuri)
………………………………………..
[Estd. Relating to Co-operative Act 2048B.S. (1991A.D.)]
Share Certificate
Member No………..
Date:…………………….
Whereas the granddaughter of ……………, son of …………, the wife of ……………, group no. ………..member,
………District,…………Village Development Committee, Ward No……..Mrs. ………has deposited in this…..total share plot for
total Rs……(……….only) has been paid and has bought the share of this soinstitution, bearing the stamp this certificate has
been provided.
Stamp of the institution
manager
chairman
S. No.
Price
per
share
Share
no.
Date
of Paid total Registration
share
amount
dismissal
purchase
Person getting the Remaining
registration
share
dismissal done
Of person certifying Stamp of the
from the institution
institution
Name
Date
done
Share
pieces
name
address
Signature
Schedule 04
(Relating to Article 59)
Oath taking
Me appointed in the post
…. Sakriya sana kisan krisi sahakari sanstha Ltd. (Active small farmer
agriculture cooperative ltd. Dibyapuri) have been elected from the general assembly from the prestige of
the authority shall not be making decisions being influence in any greed and flattery being partial. To the
best of my knowledge the commencing cooperative and institution related any secret matter except the
authorized individual to anyone me living in the post or not existing in the post in any condition shall not
make gesture in direct or indirect form.
Oath taking providing person People taking the oath
Signature :
Signature:
Name:
Name:
Post:
56