SAJIDA Foundation
Health, Happiness & Dignity for all
SAJIDA Foundation
Established informally in 1987 as
private – family funded charity &
formally started its operation in
1993 as a non-profit institution.
Mission
To improve the quality of life in
the communities where we work
through sustainable and effective
interventions.
SAJIDA Foundation
Guiding Principles and Values
Innovation & Quality
We bring innovation and quality to everything we do
 Empowering Mothers & Families
We recognize the central role of mothers in uplifting their families
 Inclusiveness & Dignity
We believe all lives are equal
 Transparency & Accountability
We are transparent and accountable in our work
SAJIDA’s Programs
Microfinance
Micro insurance
Health
Urban
Microcredit
Nirapotta
(Safety net)
Hospital
Rural
Microcredit
Livestock
MicroEnterprise
Tuberculosis
Control
Seasonal
Disaster
Emergency/
Health
Family
Festival
PRIME
Mandatory
Agriculture &
Livestock
Malaria
Control
Institute of
Health
Sciences
Savings
SAMRIDDHI
IMPACT
Voluntary
Adhunika
Women’s Center
Education
Supplementary
Products
Amrao Manush
DIISP
Ultra Poor
Seasonal
Agriculture
Community
Health
Others
Special
(FDR)
Psychosocial
Counseling
Support
Service
CCCP
Completed Projects
Interventions
Donors
Year of
Completion
Vocational Training, Health and
Microcredit
Neimeth Foundation, USA
2006
Family Savings Program
CARE Bangladesh
2006
Integrated Eye Project
ORBIS International
2008
Village Savings and Loan
Association (CLP)
DFID
2009
Blue Peter Meal and Deal
Project
Save the Children, UK
2010
Chittagong Hill Tracts
Development Facility (CHTDF)
UNDP
2011
Education Support Program
BRAC
2011
Savar Rana Plaza Victims
Own
2013
At-a-Glance
Working Areas : District- 6, Upazilla- 55, Union- 259, Village- 1,633
(Districts: Dhaka, Narayanganj, Gazipur, Chittagong, Jamalpur & Sunamganj)
Total Staff – 1,549 (M-948 F-601)
Coverage – 5.0 million people
Partner Organizations – Palli Korma Shohayak Foundation (PKSF), BRAC, Concern
Worldwide, Irish Aid, Global Fund, UNDP, Water Aid and Adhunika Foundation USA
Budget - BDT 7,112 million (USD 88.90 million) (July 2013 – June 2014)
BDT 9,050 million, (USD 113.13 million) for (July 2014 – June 2015)
Microfinance
Microfinance program
Current Status (June ’14)
Working Districts
Dhaka, Narayanganj, Gazipur, Chittagong, Jamalpur
Number of Branches
102
Number of Members
157,309
Number of Borrowers
133,362
Number of Staff
Cumulative Disbursement
1,165
BDT 20,740 million (USD 259.25 million)
Total Loan Outstanding
BDT 2,600 million (USD 32.50 million)
Total Member Savings
BDT 1,020 million (USD 12.75 million)
Cumulative Recovery Rate
99.64 %
On Time Recovery Rate
98.58%
Self Sufficiency Level
123%
Microinsurance
 SAJIDA’S Core micro insurance program is
named as NIRAPOTTA (SAFETY NET)
 A comprehensive micro insurance program for
microfinance borrowers established in 2006 to
provide social protection and security.

Addresses basic lifecycle needs of the poor that
include health costs, death costs, educational
expenses, disaster loss and other financial risks.
NIRAPOTTA Principles
 Mutual Help
 Self Help
 Integrated Services
 Sound Insurance Principles
NIRAPOTTA (SAFETY NET)
• NIRAPOTTA, SAJIDA Foundation's comprehensive microinsurance
Program
• Microinsurance protects SAJIDA members from various types of
risks of their lives
• Microinsurance helps sustain financial solvency achieved through
microfinance
• Microinsurance along with Microfinance ensures integrated
development
EDUCATION
scholarships of
Tk 300 to Tk.
500 per month
for meritorious
students
Financial
assistance of
Tk. 500 to Tk.
4,000 for
HEALTH
treatment
NIRAPATTA
Free LEGAL
Consultations
Free Normal
Delivery and
Cataract
operation at
SAJIDA
HOSPITAL
Make your
family life
safe with very
minimal fees
SAJIDA
Bondhu
around you
for providing
basic health
care services
Upon DEATH,
Tk. 4,000 cash
assistance
and loan
waiver up to
Tk. 39000
Finance
assistance of
Tk. 10,000 for
FIRE disaster
CALL CENTER
for any
queries
NIRAPOTTA (SAFETY NET)
Premium
The premium covers up to 5 family members. Coverage is for
entire loan-term.
• BDT 250-1050 (USD 3.0- USD 13.0) per year depending on
loan amount and loan tenure. BDT 100 (USD 1) per additional
member.
NIRAPOTTA (SAFETY NET)
Benefits
 Loan and Life Insurance – At death of member or spouse, outstanding loan amount
up to a maximum of BDT 39,000 (USD 500) is waived, and cash benefit of BDT 5,000
(USD 63) is given.
 Health Insurance –
• Community Health Program through SAJIDA Bondhu (friend of SAJIDA) for
providing promotive, preventive and basic curative care and diagnostic
service with appropriate referral.
• Fixed cash benefits (BDT 500 to BDT 4,000) (USD 6.5 to USD 37.5) for several
health treatments.
• Free Normal deliveries, free Cataract operations, free consultation for
General physicians and discount rate offered to members at SAJIDA
Hospitals.
 Manmade Disaster (Fire) Insurance - A cash benefit of BDT 10,000 (USD 125) is
given.
 Education – Scholarship of maximum BDT 500 (USD 6.5) per month is given to
students from class 6 and onwards.
 Legal Aid – Legal consultation services and referrals are provided to members.
Health Insurance (Health Claim Table)
Treatment
Amount (BDT)
General Surgery
(max) 4,000 ($ 50)
Obstetrical and Gynecological Surgery
(max) 4,000 ($ 50)
Ophthalmic Surgery
Accident
Hospitalization (Five days)
ANC Support with danger signs (two times in a year)
Acute respiratory tract Infection
(max) 1,500 ($ 18.75)
(max) 3,000 (($ 37.50)
3,000 ($ 37.50)
(each time) 500 ($ 6.25)
750 ($ 9.37)
Neonatal Emergencies
(max) 2,000 ($ 25)
Normal Vaginal Delivery (if hospitalized)
(fixed) 2,000 ($ 25)
Asthma Adult (two times in a year)
Burn and Scalding
Other
Medical consultation by SAJIDA doctors (MBBS)
(each time) 750 ($ 9.37)
1,500 ($ 18.75)
(max) 4,000 ($ 50)
Free
Livestock and DIISP
 Livestock Insurance – The livestock insurance premium is 0.7% of the
loan amount, plus BDT 100 (USD 1) for veterinary services. Upon death of
cattle, 85% of the loan amount will be waived.
 Developing Inclusive Insurance Sector Project (DIISP)• With financial and technical assistance from PKSF, we initiated the
Microinsurance Program named “Developing Inclusive Insurance Sector
Project” (DIISP)
• In 2 of our Jamalpur PRIME branches, offering credit, life, health (with
free paramedic service) and livestock (cattle) microinsurance.
• The credit life insurance waives any outstanding loans and pays a cash
benefit of BDT 5,000 (USD 63) for funeral expenses upon death of a
member or his/her spouse for a premium of BDT 40 (USD 0.5) plus 0.5% of
loan amount.
• The health insurance pays a cash benefit of tk. 200 (USD 2.5) in daily
basis for hospitalization upto a maximum of 30 days for a premium of tk.
250 (USD 3.13).
• Under health insurance free paramedic service given for member.
New Insurance Product
Insurance for savers:
• SAJIDA savers will be eligible for a FREE packaged insurance product as
long as they maintain a minimum total savings balance including
Mandatory and Voluntary Savings.
• Premium paid by SAJIDA 0.1% (of monthly savings balance) or 1.2% of
annual savings balance (based on total savings balance for all savers
• For eligibility Minimum total savings balance including Mandatory and
voluntary of BDT 7,001 (USD 88) for at least 1 month.
• Cover is renewable on a monthly basis, as long as the member maintains
a minimum of BDT 7,001 (USD 88) in total savings.
Benefits are Health and Education services:
• Fixed cash benefits will be provided for serious health conditions and
Tuitions will be provided for class 2 and class 3 children of the savers
New Insurance Product
Group insurance for ME borrowers’ employees:
• A group insurance contract will be provided to the ME borrower upon
premium collection specifying insurance benefits and number of employees
covered.
• The insurance product provides health, life & accident coverage for all the
employees who will be insured.
• Premium 260 (USD 3) (50% ME borrower and 50% employee )
• Term 1 year, Coverage Employee and Spouse
Benefits:
• Fixed cash benefits will be provided for serious health conditions
• Taka 5,000 cash benefit upon death of employee or spouse
• If an employee has an accident or disability caused by workplace that
leads to inability to work, then, the employee can take partially paid
leave of a maximum of 2 weeks during which 50% of his / her wage will
be paid for.
Nirapotta snapshot as of June 2014
No. of Members Enrolled
114,490
Population Covered
572,450
Premium collected
BDT 236.2 (USD 3) million
No. of death claims
4,125
Amount of death claims paid
No. of cattle deaths
Amount of cattle claim paid
No. of health claims
Amount of health claims paid
No. of disaster claims
Amount of disaster claims paid
No. of scholarship installments disbursed
BDT 54.5 (USD 0.68) million
6
BDT 0.2 (USD 0.003 ) million
34,494
BDT 67.1 (USD .084 ) million
826
BDT 3.7 (USD 0.05 ) million
7,526
Amount of scholarships paid
BDT 16.8 (USD 0.21 ) million
No. of legal aid consultations
1,177
Health programs
Hospitals
•SAJIDA hospitals are self-sustaining healthcare facilities that
provide institution-based services to the communities.
• SAJIDA hospitals provide comprehensive healthcare with
modern medical, surgical and diagnostic facilities.
Health programs
Objectives
 Protect members in the event of catastrophic illness
 Support members with costs associated with health needs
 Help members sustain their improved financial conditions
through the Microfinance program
 Two SAJIDA hospitals, one 100-bed hospital at Keranigonj
and another 70-bed hospital at Narayangonj, that provide
secondary care at affordable costs, and offer discount cards
to patients
Services Provided of SAJIDA Hospitals
Out patient
In patient
• General Treatment
• Antenatal and Postnatal Care
• Specialist Services: Medicine,
Pediatrics, Gyn/Obs Surgery,
Orthopedics, Skin/VD, Eye, Ent and
Dental
• Laboratory Services
• Physiotherapy
• Immunization and Family Planning
Services
• X-ray, ECG, Ultrasonography and Echo
Cardiography
• Pharmacy from 8:30 am till midnight
• Admission: General beds, Cabins: A/C and
non A/C
• Safe deliveries
• Gynecological and obstetrical
management and operations: D&C,
Caesarean Section, Ectopic Pregnancy,
Hysterectomy
• Orthopedics
• General Surgery, Eye and ENT Surgeries
• Intensive Care Unit for newborn and
children
• Phototherapy
• Management of patient with
emergencies
 24/7 Emergency Services  24/7 Ambulance Services
Program Achievements
Hospital’s operational cost recovery was 103%
Cost recovery including depreciation was 95%
(As of June 2014)
No. of patients treated
1,205,030
No. of hospital admission
39,716
No. of normal deliveries performed
3,537
No. of caesarean sections performed
10,464
Other operations performed
7,835
No. of lab tests
438,154
Ultrasonography performed
78,865
No. of Cataract Operations
4,362
Community Health through SAJIDA Bandhu
Goal
To ensure health services at the doorstep of
members by direct intervention and referral
services, especially targeting pregnant women and
children.
Cont….
Community Health Program through
Sajida Bondhu for providing
promotive, preventive and basic
curative care and basic diagnostic
service with appropriate referral.
A trained SAJIDA Bondhu (friend of
SAJIDA) gathers information and
delivers services at the household
level.
One SAJIDA Bondhu is assigned for each branch. Make community people
aware, give preventive health education & treatment and refer to appropritae
health centres are their core work.
Health-related programs
Tuberculosis and Malaria Control programs
 Health services for street dwellers of Dhaka and Chittagong
city
 An Institute of Health Sciences (IHS) to create qualified
skilled workforce in health amongst SAJIDA members /
staff and their families, and other poor people, especially
women
Psychosocial Counseling Support Services
 SAJIDA believes Health encompasses both mental and physical
well being
 The centre has professionally trained counselor psychologists to
offer all ranges of psychosocial counseling support
 Para-counselors are trained to offer psychosocial counseling
services to the Microfinance borrower
Governance
• SAJIDA has dynamic and experienced members in General body
• The General Body meets once every year and elects Governing Body once
in three years
• The Governing Body provides strategic direction of SAJIDA and approves
the annual plan and budget
• The Governing body meets once in every three months
• The Governing body appoints the Executive Director who is responsible for
over all management of the organization
•Audit Committee assists Governing body in conducting the organization’s
financial review.
Management
•The Executive Director functions through a Senior Management
Committee (SMC) comprising of all the heads of departments
•
•SAJIDA has independent Finance, HR, Admin, Audit, MIS, Training & IT
units to support and control all of its activities
• SAJIDA has a standard Financial Policy, HR Policy, Procurement Policy, Cost
Allocation Policy and also has Table of Authority
•Annual Budget is first presented to SMC and ED, upon finalization is sent
to Governing Body and later to General Body for approval
• Budget variances are discussed in SMC meeting every month and in
Governing body meeting quarterly
Financial Control System
• SAJIDA has a standard Financial Policy
• Every Bank account has joint signatories
• Salaries are disbursed through bank accounts
• Fund transfer carried through bank
•Each program and project is audited at least twice in a year by
internal audit and motoring unit
• Extraordinary audit findings are placed in front of audit committee
comprising of three Governing Body Members.
Awards and Achievements
Best Published Accounts and Reports (under NGO / NPO sector)
award by Institute of Chartered Accountants of Bangladesh (ICAB)





2012- merit certificate
2011 – 1st Prize
2010 – 1st Prize
2008 – 3rd Prize
2006 & 2009 - 2nd Prize
Presented Accounts (under NGO sector) award by South Asian Federation of
Accountants (SAFA)
 2006, 2009 & 2011 - merit certificate
 2008 - Joint 1st runner-up
 2010 – 1st runner-up
3rd Best Micro Finance Institution in Bangladesh in year 2010 by Citi Group
Awards and Achievements
• Citi Micro-entrepreneurship awards under Best Innovative Microfinance
Institution (MFI) for the year 2013
• Awarded with a trophy by the International Labor Organization’s (ILO)
Microinsurance Innovation Facility in recognition of the commitment to
enhancing the value of Microinsurance (2011-2013 ) at Jakarta, Indonesia.
Thank You
Please visit www.sajidafoundation.org for further information