Annual Report 2008
Integrated Development Foundation (IDF)
House # 2, Road # 2, Block # C, Mirpur-2, Dhaka-1216
Tel: 880-2-9005452, 9014933
Fax-880-2-9005452, 9014933 Ext.116
E-mail: info@idfbd.org, idf_bd92@yahoo.com
Website: www.idfbd.org
Contents
MESSAGE FROM THE CHAIR
NOTE FROM THE EXECUTIVE DIRECTOR
MICROCREDIT SUMMIT CAMPAIGN'S GOAL
1.
INTRODUCTION
2.
VISION
3.
MISSION
4.
OBJECTIVE
5.
GOVERNANCE
6.
THE OPERATIONAL AREA
6.1
Chittagong Hill Tracts
6.2
Chittagong
6.3
Cox's Bazar
6.4
Rajshahi
6.5
Dhaka
6.6
Comilla
6.7
Chandpur
6.8
Noakhali
7.
8.
9.
10.
THE ORGANIZATIONAL STRUCTURE
THE PROGRAMS
8.1
Microfinance
8.2
Health, Sanitation and Water
8.3
Emergency Fund (Micro Insurance)
8.4
Eye Care
8.5
VAC-CHT Project
8.6
Child Development Program
8.7
Agriculture
8.8
Improved Cook Stove
8.9
Renewable Energy
8.10
Homestead Food Production Project
8.11
Skill Development
8.12
Housing
8.13
Human Rights, Democracy & Governance
8.14
Birth and Marriage Registration
8.15
Scholarship Program
8.16
Automation
8.17
Disaster Management
8.18
Environment
8.19
Gender Promotion
MANPOWER
HUMAN RESOURCE DEVELOPMENT
10.1
Recruitment
10.2.1
Pre and In-service Training
10.2.2
Outside Training
11.
12.
13.
PLAN AND BUDGET
REVIEW MEEING
AUDIT
13.1
Internal Audit
13.2
External Audit
ANNEXURE
Annexure -1
Annexure -2
Annexure -3
Annexure -4
Annexure -5
Annexure -6
Founder Members
General Body
IDF Governing Body
IDF Branch Offices
Membership and loan operation by branches
Plan and Budget for IDF Microfinance Program July 2008 - June '09
Message from the Chair
Integrated Development Foundation (IDF) started working with the hilly but poor
people of the Chittagong Hill Tract districts initially with microfinance in order to
bring about an improvement in the overall socio-economic conditions of these
disadvantaged people. It was a hard and difficult task but IDF could overcome all
challenges over the years and moved forward. Soon IDF started pursuing the policy of
integrated approach of rural development and started introducing programs and
activities that bring welfare to the rural life. During the year 2008, IDF implemented
as many as 18 programs covering the areas of health, agriculture, renewable energy,
housing, human rights/democracy & governance, disaster management, gender
development and so on.
The global financial crisis, high price of the daily essentials and local socio-economic
& political situation in certain project areas affected the members’ in their abilities to
repay the loans during the year 2008. As a result, there was slight fall in making
savings and in repaying loans. Effective policies and strategic programs taken by IDF
helped to maintain a growth during the year. The other programs were strengthened
and progresses were recorded.
Details of all the programs along with specific activities and achievement for the year
have been elaborately discussed in the present report. I do believe the readers will get
an insight of the overview of the activities of IDF.
The performance of the dedicated staff supports of all donors, assistance by the
members of executive & general bodies and cooperation of the well-wishers of IDF
have significantly contributed towards this achievement.
I congratulate those who had done the hard work of preparing this annual report.
However, any suggestions from the readers will enable us to enrich the quality of the
report in future.
A. K. Fazlul Bari
Chairperson, IDF
IDF Mission
Combating poverty in the Impassable Hilly Region and other un-served
areas of Bangladesh in order to create a poverty free Bangladesh.
Note from the Executive Director
IDF completed 14 years in 2007. The experience of 2007 is mixed. It is our pride that
US based Forbes magazine rated IDF in 2007 as one of the top 50 MFIs of the world
and 6th in Bangladesh. In 2007, CIDA enriched the list of IDF Development partners
to work with birth and marriage registration in CHT-a new dimension for IDF. NGO
Foundation joined us to improve the water and sanitation condition of the poor people
of CHT.
However, 2007 was not pleasant year for Bangladesh in General and microfinance
sector in particular. The natural calamities, rat floods, price-hike and eviction brought
more people under poverty in 2007.
IDF faced added problem as it works in remote, difficult, hilly and poor areas. IDF
experienced severe problem in two upazilas of CHT region in 2007 due to poor law
and order situation there. Despite this adverse situation, IDF maintained a steady
sustainable growth in 2007. The total increase in membership. Loan portfolio and
members savings in 2007 were respectively 5,412 (8.62% increase on 2006), Tk.85.44
million (26.09% increase on 2006) and Tk.27.67 million (16.84% increase on 2006).
The repayment rate dropped slightly from 99.98% to 99.92% in 2007 because of
problems mentioned above.
The steady sustainable growth as well as recognition by internationally reputed
Forbes magazine was possible because of commitment and hard work of all IDF staff
members and sincere cooperation of our development partners and local social leaders
of our working areas. We are very grateful to Grameen Trust, Sida, Helen Keller
International, PKSF, GF USA, CowBank (Australia), Basic Bank, Sonali Bank,
BRAC Bank, Government of Bangladesh, IDCOL, CHT Regional Council, NGO
Affairs Bureau, CHT District Councils, Deputy Commissioners, Upazila Nirbahi
Officers and low Enforcing Bodies for their supports and cooperation.
We are also grateful to our Board Members for their active support in implementing
various programs. We cordially thanks our founder and life members for their active
and positive role in policy making.
We hope continuous support from our friends, partners and well wishers to our
endeavors of fighting against poverty.
Zahirul Alam
Executive Director, IDF
Microcredit Summit Champaign's Goal
 175 million of the worlds poorest families, especially the women of those
families, are receiving credit for self-employment and other financial and
business services by the end of 2015; and
 100 million of the Worlds poorest families move from below US$ 1.00 a
day adjusted for purchasing power purity (PPP) to above US$ 1.00 a day
adjusted from PPP, by the end of 2015.
1.
INTRODUCTION
Integrated Development Foundation (IDF) is a non-profit, non-political and a nongovernment organization established in December 1992 by Mr. Zahirul Alam, a
former ILO staff member and founder member-secretary of the Rural Economics
Program of the Department of Economics at the University of Chittagong from where
Grameen Bank Microfinance Model was developed by Nobel Laureate Prof.
Professor Muhammad Yunus in the 1970s.
IDF started its journey through micro-finance program in a small para (sub-village) of
Shoalok Union in Bandarban Hill District in 1993 with a small loan of US$ 7,500.00
from Grameen Trust. The people found IDF’s micro loans very useful within one year
which accelerated its growth fast in the area. As a result it was difficult to meet the
credit demand with small seed capital received from Grameen Trust.
IDF approached various donors for support as advised by Prof. Muhammad Yunus.
Swedish International Development Co-operation Agency (Sida) responded
immediately and supported IDF for experiment and expansion of Grameen Bank
Model in the whole of Chittagong Hill Tracts in the framework of a long-term (8
years) sustainable plan. IDF implemented the project successfully, and attained
financial sustainability in 2000. This subsequently attracted other donors and partners
including Bangladesh Government, PKSF, ILO, Helen Keller International (HKI),
UNICEF, CARE, GTZ, AusAID, IDCOL, Grameen Foundation USA, Deutsche
Bank, CowBank (Australia), Basic Bank, Sonali Bank and Bangladesh Krishi Bank
and others.
2.
VISION
To make Bangladesh free from poverty.
3.
MISSION
Combating poverty in the impassable hilly regions and other un-served areas of
Bangladesh for creating a poverty free Bangladesh.
4.
OBJECTIVE
The main objective of IDF is to assist the poor, the landless, the destitute women and
children, small farmers and disabled persons in order to enable them to gain access to
resources and undertake various income-generating and other activities for poverty
alleviation and to enhance their quality of life in terms of health, nutrition, sanitation,
education, safe water, housing and the environment through building effective
institutions of their own, which they can understand and operate and can find socioeconomic strength in it through mutual support.
5.
GOVERNANCE
The supreme authority of IDF is General Body. It is composed of 18 members from
different professions. A Governing Body consisting of 7 members is elected from
amongst the General Body of the Foundation. The General Body is the highest policy
and decision making body of IDF. The Governing Body is responsible for the
formulation of plan and budget for the programs and projects to be implemented by
the organization. The Governing Body evaluates and monitors the implementation of
policies, programmes and projects through various monitoring tools and visits to the
project areas. A Chairman elected by the General Body heads both General and
Governing Body. The Executive Director works as Member-Secretary of both the
Bodies.
The Executive Director is the Chief Executive of the Foundation and responsible for
the smooth implementation of all activities of the Foundation. He implements the
activities through the appointed professionals and support staff of the Foundation.
6.
THE OPERATIONAL AREA
The present operational area of IDF is Chittagong Hill Tracts, Chittagong, Cox’s
Bazar, Dhaka and Rajshahi. A brief description of the operational area is presented
below.
6.1 The Chittagong Hill Tracts (CHT) is a beautiful and strange piece of land with rocks,
hills, lakes and sea. These are very difficult and remote areas, inhabited by about
thirteen very poor tribes with different languages and cultures. The area is wedged
between the Bay of Bengal and the hills of Mizoram of India.
The CHT is a 13,295 sq. km. region of hills consisting of Bandarban, Rangamati and
Khagrachari districts located in the south-east of Bangladesh. As per the preliminary
result of the Population Census 2001, the total population of CHT is 1.325 million; of
which 52 percent are tribal people. Historically, Chittagong Hill Tracts enjoyed the
status of a self-governing territory and administered by Hill King which continued
until the British East India Company annexed Bengal in 1787. The Chakma Raja
(King) then signed an agreement after a long armed conflict, under which Chakma
territory became a British tributary on the payment of 20 tons of cotton. This was
later extended to other parts of CHT. In 1860, the British formally annexed CHT and
upgraded its status to a full-fledged district.
The people of Chittagong Hill Tracts are very poor and they live mainly on Jhum
cultivation and bamboo and wood collection from forests, which are major causes of
deforestation and soil erosion in the area. Most people of this area live in absolute
poverty. Despite of all the efforts of the government, the people of the Chittagong
Hill Tracts still lack access to various services such as credit, agricultural inputs and
extension services, medical facilities, sanitation and safe drinking water. This is
mainly because of i) scattered population, ii) poor communication system, iii)
remoteness of the area and iv) political problem. The language barrier further
aggravates the situation.
The sentiment of the people of CHT was hurt when the construction of 666 meters
long and 43 meters high hydroelectric dam at Kaptai started in 1957. The immediate
impact of dam was the submergence of a vast area of natural forests and 54,000 acres
of arable land (40% of total cultivable lands in CHT) of the area. It also made about
1,800 families homeless. The displaced people were not properly rehabilitated. As a
result, their settlement and construction of new houses in the inaccessible regions led
to rampant deforestation. It is also said that some families crossed the border and
migrated.
Adverse economic impacts created by Kaptai Dam on displaced people gradually
resulted in armed insurgency in CHT. The counter-insurgency measures by the then
Pakistan Government through military action worsened the situation. The increased
military presence in CHT and search for insurgents created unsettled situation among
CHT inhabitants. It was a very tense situation when IDF started its micro-finance
program in CHT in 1993.
6.2
Chittagong
Chittagong district is quite different from other districts in its unique natural beauty
characterized by hills, rivers, sea, forests, and valleys. The greater Chittagong district
was established in 1666 including the present Chittagong, Cox’s Bazar and the three
hill districts. The district of Chittagong Hill Tracts was established in 1,860 with the
hill regions of the district. Later, Chittagong district was further divided into
Chittagong and Cox’s Bazar districts. The district consists of one City Corporation, 7
municipalities, 20 upazilas, 197 union parishads and 1,319 villages.
6.3
Cox’s Bazar
The area of Cox’s Bazar district is 2,491.86 sq. km. It is bounded by Chittagong
district on the north, Bay of Bengal on the south, Bandarban district, Arakan
(Myanmar) and the Naf River on the east, and the Bay of Bengal on the west. Cox’s
Bazar thana was established in 1854. Cox’s Bazar subdivision was formed
comprising of Cox’s Bazar Sadar, Chakoria, Maheshkhali, and Teknaf thanas.
Afterwards, three new thanas (Ukhia, Kutubdia, and Ramu) were created under this
subdivision. In 1984, the thanas were transformed into upazilas and Cox’s Bazar
subdivision was elevated to a district under the decentralization scheme. It consists of
7 upazilas, 2 municipalities, 60 union parishads, 199 mouzas and 966 villages.
6.4
Rajshahi
The area of Rajshahi district is 2,407 sq. km. It is bounded by Naogaon district on the
north; West Bengal of India, Kushtia district and the Ganges on the south; Natore
district on the east and the Nawabgonj district on the west. Rajshahi district was
established in 1772. It has one City Corporation with 4 thanas, 7 municipalities, 93
wards, 297 mahallas, 9 upazilas, 70 union parishads, 1,678 mouzas and 1,858
villages. Rajshahi town stands on the bank of the river Padma. It is both district and
divisional town.
6.5
Dhaka
Dhaka District is geographically located almost at the centre of the country. Dhaka is
surrounded by Narayanganj in the east, Gazipur in the north, Munshiganj and
Faridpur in the south and Manikganj District in the west. It lies between 23053' and
24006' north latitudes and 90001' and 90037' east longitudes.
The total area of this district is 1463.60 Sq. Km. (565.10 Sq. miles) of which 45.92
Sq. Km is reverine. Dhaka District is the oldest district of the country. There are
different views about the origin of the zila name. There are various opinions about the
naming of the Dhaka Zila or Dhaka District.
6.6
Comilla
Comilla is a city in south-eastern Bangladesh, located along the Dhaka-Chittagong
Highway.Comilla is located at 23°27′0″N, 91°12′0″E, and has a total area of 280
square kilometers. The major rivers that pass through Comilla include Gumti and
Little Feni.
6.7
Chandpur
Chandpur is a district in east-central part of Bangladesh. It is located at the mouth of
the Meghna River. It is a part of the Chittagong Division.. Chandpur district has a
total area of 1704.06 square kilometers. It is bounded by Munshiganj District and
Comilla District on the north, Noakhali District, Lakshmipur District and Barisal
District on the south.
Chandpur is the confluence of two of the mightiest rivers of Bangladesh.. the Padma
River (the main branch of the Ganges River) and the Meghna River, which meet near
Chandpur Town.
6.8
Noakhali
Noakhali is a district in South-eastern Bangladesh. Noakhali District is located in the
Chittagong Division of Bangladesh. It has a land area of 3600.99 km², and is bounded
by the Comilla district in the north, the Meghna estuary and the Bay of Bengal in the
south, Feni and Chittagong districts in the east, Lakshmipur and the Bhola districts in
the west.
Noakhali district, whose earlier name was Bhulua, was established in 1821. It consists
of 9 upazilas, 5 municipalities, 45 wards, 90 mahallas, 83 union parishads, 909
mouzas and 978 villages.
7.
THE ORGANIZATIONAL STRUCTURE
The programs and projects are implemented at a number of levels including head
office, area office, branch, centre and group. The head office and coordination offices
provide guidance, and supervise and monitor the activities of branch offices. The
branch offices work directly with the poor people in their area, organizing them with
a view to building a receiving mechanism and implementing various socio-economic
programs for them. The institutional structure of IDF is shown in Figure-1.
THE STRUCTURE OF IDF
8.
THE PROGRAMS
2008 is the 15th year of IDF operations in poverty alleviation and social development.
This annual report presents the overall progress of IDF activities in 2008. It also
presents year-wise summery report up to December 2008. The major programs
implemented in 2008 are:
1.1
1.2
1.3
1.4
1.5
Micro finance
Health, Sanitation and Water
Emergency Fund (Micro Insurance)
Eye Care
VAC (Vitamin A Cap.)
1.6
1.7
1.8
1.9
1.10
1.11
1.12
1.13
1.14
1.15
1.16
1.17
1.18
1.19
8.1
Child Labour & Non Formal Education
Agriculture
Improved Cook Stove
Renewable Energy
Homestead Food Production
Skill Development
Housing
Human Rights, Democracy & Governance
Birth and marriage registration
Scholarship Programme
Automation
Disaster Management
Environment
Gender Promotion
Microfinance
IDF launched its micro-finance program in a small para (sub-village) of Shoalok
mouza of Bandarban Hill district for the poor, landless and underprivileged people in
1993.
IDF completed 15 years of operation of its microfinance program in 2008. Many of
IDF clients who started as ultra poor gradually graduated to micro-entrepreneurs
which are a great achievement of its microfinance programme. IDF’s clients can now
be classified into four categories. These are:




Beggar
Poor
Ultra Poor
Micro-enterprise
The different categories of members by their number, portfolio and savings as of
December 2008 are shown in the Table 1.
Table 1: Members by loan portfolio and savings as of December 2008 (in Tk.)
Categories of
Clients
Beggars
No. of Member
2008
Cum.
Loan Outstanding
Savings
(million)
(million)
2008
Cum.
2008
Cum.
534
730
0.426
0.583
0.069
0.083
Poor & Ultra Poor
2734
69,895
-2.347
384.743
15.849
200.879
Micro-enterprise
1440
2,276
3.690
29.350
4.680
11.540
4,708
72,901
1.769 414.676
20.598
212.502
Total
8.1.1 Beggar Program
IDF started its beggar program with the financial and technical assistance of Grameen
Trust in May 2006. The objective and status of the program are described below.
Objectives:
 to build confidence and capacity of beggar;
 to enable them to gain access to resources and provide credit;
 to make the beggar into productive manpower;
 to improve their overall socio-economic status.
Conditions
 Interest free
 flexible repayment schedule
 flexible loan period
 attendance in the meeting is not mandatory
Status as on 31 December 2008
Particulars
Branch
Member
Disbursed (m)
Outstanding (m)
Repayment Rate
Savings (m)
Up to 2007
24
196
0.239
0.157
100%
0.0143
In 2008
10
534
0.810
0.426
100%
0.069
Up to 2008
34
730
1.049
0.583
100%
0.083
8.1.2 Poor and Ultra Poor Program
IDF started this program in a small para (sub-village) of Bandarban Hill District with
the assistance Grameen Trust in 1993. The objectives and present status of the
program are presented below.
Objectives:

To build confidence and capacity of the poor and ultra poor;

To organize and built a receiving mechanism of the poor and ultra poor
through which they can receive their necessary services, inputs and financial
assistance for the improvement of their socio-economic status;

To alleviate poverty from the very grass-root level of the country.
Conditions

Service Charge: Ultra poor-10%, Poor-12.5%

Term: half yearly and yearly

Repayment Schedule:
weekly, fortnightly, monthly and six monthly
depending on the nature of activity.
Status as on 31 December 2008
Particulars
Branch
Member
Disbursed (m)
Outstanding(m)
Repayment Rate
Savings (m)
Up to 2007
51
67161
2,864.350
387.090
99.92%
185.030
In 2008
2
2,734
701.650
-2.347
99.00%
15.849
Up to 2008
53
69,895
3,566.000
384.743
99.14 %
200.879
Loan ceiling for
Ultra poor
: Up to Tk.8,000
Poor
: Tk 8,001 - 30,000
Ultra Poor with PKSF Assistance
The program covered 1,291 ultra poor families of 18 branches with seed capital from
PKSF since November 2005. The particulars of the operation of PKSF funded ultra
poor as of 31 December 2008 are presented below:





No. of member
Loan disbursed
Loan outstanding
Rate of repayment
Amount of savings
: 1322
: 19.97m
: 3.18m
: 99.93 %
: 1.42m
8.1.3 Micro-Enterprise
IDF started this product for its graduate members who developed capacity to invest
and manage bigger scale of income-generating activity (micro-enterprise) in 2002-03.
The criteria of electing a member for this product are as follows;
Criteria of micro-entrepreneur

Graduate members who developed capacity to undertake enterprise;

Received Enterprise Development and Business Management (EDBM)
Training

85% attendance in the weekly/ fortnightly meeting






100% utilization of previous loan
Good track record of business
10% of the proposed loan are accumulated in her savings account
Willing and capacity to participate at least 10% of the investment in the
enterprise
Regular deposit in savings account
Willingness to attend monthly cluster (20 members) meeting.
Loan terms

Working Capital : 1 year

Fixed Capital
: 2 years

Service Charge : 12.50% (flat)
Loan repayment conditions

1 month grace period

Weekly installment

Fortnightly installment

Monthly installment
Risk Insurance

Premium: 0.90% of the disbursed amount

Risk coverage: 50% of the disbursed loan in case of the damage of the activity
due to disaster.
Status of micro-enterprise as on 31 December 2008
Particulars
Branch
Member
Disbursed (m)
Outstanding (m)
Payment Rate
Savings (m)
Up to 2007
28
836
142.29
25.650
100%
6.860
In 2008
9
1,440
12.33
3.700
99.90%
4.680
Up to 2008
37
2,276
154.62
29.350
99.94%
11.540
8.1.4 Growth Trend
The growth trend of members, members’ savings, loan portfolio and equity is shown
in Table 2, Table 3 and Table 4. 2008 experienced the lowest growth rate since the
inception of IDF credit programme. This was mainly global financial crisis and price
rise by 2-3 folds.
Table-2: Growth Trend- Member, Area and Savings
Sl. #
Component
2004
2005
2006
2007
2008
1. Member (by year)
2. Member (cum.)
6,196
45,294
7,722
53,016
9,765
62,781
5,412
68,193
4,708
72,901
3. Group (cum.)
4. Centre (cum.)
5. Branch (cum.)
6. Union (cum.)
7. Upazila (cum.)
10,048
1,935
37
125
34
11,874
2,273
43
130
34
13,842
2,668
49
135
34
15,957
3,016
51
142
36
17,413
3,293
53
146
38
8. District (cum.)
5
6
7
7
7
27.30
26.16
40.08
27.67
20.60
10. Savings (cum. in m)
97.99
124.15
164.23
191.90
212.50
11. Average Savings (cum.)
2,163
2,342
2,792
2,814
2,914
9. Savings (by yr. in m)
Chart 1: Growth of members and borrowers by year
Chart 2: Growth of savings by year
212.50
72,901
68,193
62,781
63,176
65,603
164.23
58,445
53,016
45,294
191.90
49,854
124.15
42,144
97.99
2004
2005
2006
Member (cum.)
2007
Borrower (cum.)
2008
2004
2005
2006
2007
2008
Table-3: Growth Trend- Loan operations
Sl. #
Component
1.
No of Loans (by year)
2.
No of Loans (cum.)
3.
Up to
2004
2005
2006
2007
2008
49,897
56,329
64,423
70,973
75,093
226,044
282,737
347,160
418,133
493,226
Borrower (cum.)
42,144
49,854
58,445
63,176
65,603
4.
Loan disbursed (by year)*
337.52
433.02
561.79
763.89
755.55
5.
Loan disbursed (cum.)*
1,187.42
1,620.44
2,202.23
2,966.12
3,721.67
6.
Loan due (by year)*
303.61
385.26
485.85
680.45
680.45
7.
Loan due (cum.)*
1,004.13
1,388.99
1,874.84
2,555.29
3,340.88
8.
Loan realized (by year)*
303.56
384.77
486.27
678.44
753.79
9.
Loan realized (cum)*
1,003.73
1,388.50
1,874.77
2,553.21
3,307.00
10.
Loan outstanding (by year)*
33.96
48.24
95.52
85.44
1.77
11.
Loan outstanding (cum.)*
183.70
231.94
327.46
412.90
414.67
12.
Loan overdue (by year)
50,300
80,600
43,800 1,636,500 8,481,700
13.
Portfolio at risk >30 days
404,400
485,000
441,200 2,077,700 3,199,900
14.
Average loan size
6,764
7,687
6,343
7,748
8,771
15.
Average outstanding (cum.)
4,359
4,653
5,837
6,535
6,313
16.
Rate of repayment (by year)
99.96%
99.96%
99.98%
99.92%
99.00%
17.
Rate of repayment (cum.)
99.96%
99.96%
99.98%
99.92%
99.00%
Note: 1. cum. = Cumulative, * = Figure in million Taka.
Chart 3: Growth of loan disbursement by year Chart 4: Growth of loan outstanding by year
412.90
3,721.67
2,966.12
414.67
327.46
2,202.23
231.94
183.70
1,620.44
1,187.42
2004
2005
2006
2007
2008
2004
2005
2006
2007
2008
Table – 4: Growth Trend- Financial
(Currency figures are in million Taka)
Particulars
2004
2005
2006
2007
2008
A. CAPITAL FUND
55.29
73.00
93.04
113.78
115.95
12%
5%
12%
6%
12.5%
6%
12.5%
6%
12.5%
6%
42.00
1.12
43.12
53.83
2.10
55.93
64.73
1.52
66.25
91.49
1.73
93.22
94.68
3.91
98.59
27.96
35.11
44.11
54.48
66.55
08 Depreciation on fixed assets
09 Loan loss provision expense
0.99
1.91
0.97
2.12
0.13
2.20
1.15
3.70
1.22
29.03
10 Total Non Financial Expenses
30.85
38.20
46.44
59.33
88.80
2.76
3.65
5.58
6.82
6.95
33.62
41.85
52.02
66.15
95.75
140%
146%
142%
157%
111.02%
128%
131%
127%
140%
102.96%
01 Capital Fund / Equity
B. INTEREST RATES
02 Rate of Service Charge
03 Inflation rate
C. INCOME
04 Service Charge income from clients
05 Other income
06 Total income
D. NON-FINANCIAL EXPENSES
07 General Operating Expenses (Salaries, rents,
utilities, cost of fund etc.)
E. ADJUSTED FINANCIAL EXPENSES
Adjusted Financial Expenses
(Line-1 multiplied by line-3)
Total Expenses
12
(Line-10 plus line-11)
Operational Self Sufficiency (OSS)
13
(Line-6 divided by line-10)
Financial Self Sufficiency (FSS)
14
(Line-6 divided by line-12)
11
Chart 5: Growth of Capital Fund by Year
Chart 6: Growth of Income & Non financial Expenses
115.95
113.78
93.22
98.59
93.04
88.80
66.25
73.00
55.93
55.29
59.33
43.12
46.44
38.20
30.85
2004
2004
2005
2006
2007
2008
2005
2006
Income
2007
2008
Non Financial Expenses
Chart 7: Self Sufficiency status by year
157%
140%
128%
146%
131%
142%
140%
127%
111%
103%
2004
2005
2006
Operational
2007
2008
Financial
8.1.5 Purpose of loan
The loan disbursed during 2004-08 is shown by purpose and year in Table 5 below.
About 40% of the loans were disbursed for agriculture and livestock followed by
about 27.67% for small business, 9.73% for transport.
Table-5. Loan by Purposes
(Figures in percent)
Sl. #
Purpose
2005
2006
2007
2008
01.
Farming
12.05
14.41
15.21
9.64
12.75
02.
Cow rearing
11.75
10.05
7.92
9.80
9.56
03.
Goat rearing
2.22
1.00
1.08
1.95
2.12
04.
Beef fattening
5.81
8.26
7.55
7.03
6.68
05.
Pig rearing
2.12
1.22
1.46
1.48
1.52
06.
Poultry
4.82
4.31
3.67
5.12
3.98
07.
Home Gardening
0.87
0.91
1.09
1.35
1.40
08.
Fruit gardening
1.80
2.05
1.15
1.49
1.38
09.
Nursery
1.32
1.11
1.02
1.47
1.65
10.
Handicrafts
3.17
3.98
3.14
3.36
3.61
11.
Garments/tailoring
4.50
3.19
2.47
3.51
3.44
12.
Fisheries
3.07
3.65
3.75
9.43
6.74
13.
Housing
0.68
0.61
1.66
1.23
2.10
14.
Water Sanitation
0.71
0.82
.80
1.77
1.23
15.
Local transport
12.31
9.40
7.66
9.28
9.79
16.
Small Business
28.48
29.21
37.36
27.60
27.67
17.
Micro Enterprise
4.32
5.82
3.00
4.50
4.36
100.00
100.00
100.00
100.00
100.00
Total (%)
8.2
2004
Health, Sanitation and Water
IDF started this program with the assistance of Sida in Chittagong Hill Tracts in
1995. The reasons for initiating this program were two. They are: i) ignorance of
people on causes of various common diseases and ii) lack of access of poor people to
health services and safe water. IDF launched a survey on the sanitation and water in
selected villages of Bandarban Sadar in 1996 with the assistance of UNICEF which
shows that about 95% households had no sanitary latrine and almost all rural
households did not have access to safe water at that time.
IDF selects health agent/secretary from amongst the members in each centre. One
health agent/secretary can look after more than one para (sub-village). Health agents
are the motivators and contact persons at para levels. Health agents are provided
training on causes of common diseases, primary health care, reproductive and child
health, safe water and sanitation, HIV/AIDS and eye care. The organizational
structure of IDF health program is shown below.
Figure- 2: Structure of Health Program
Executive Director
Coordinator
Medical Officer
Health Worker (branch level)
Health Agent (village level)
Health Services Center
Objectives



To make the poor people aware of health problems and the causes of common
diseases.
To ensure access of the poor people to health services, safe water and
sanitation.
To make the people conscious about the safe motherhood and child health.
Present Status
No. of Health centre
Satellite Clinic
Drop in Centre
Health Spot
:
:
:
:
3
4
5
16
:
:
:
8,378
395
1,547
Clinical services
General Patient
STD patient
Eye Patient
Training Provided
HIV/AIDS/STI (Basic and Refreshers)
Sex Worker
Transport Worker
Staff Training on Rights
:
:
:
550
500
42
Awareness Activities in 2008
Awareness raising on common diseases, safe motherhood, water sanitation :
*
*
*
*
*
*
*
Health Education Session
Staffs/ Health agents training
Participant on staffs/ Health agents Training
Beneficiaries Training
Participant on Beneficiaries Training
Courtyard Meeting
Participant on Courtyard Meeting
:
:
:
:
:
:
:
8,610
4
50
4
120
12
232
Awareness raising on STD/HIV/AIDS :
*
*
*
*
*
*
*
*
8.3
Orientation
Health Education Session
Participant on staffs/Health agents training
Participant on Basic Peer training
Participant on Refresher Peer training
Staffs/ Health agents training
Basic Peer training
Refresher Peer training
:
:
:
:
:
:
:
:
16,555
44,862
50
625
425
3
25
17
Emergency Fund (Micro Insurance)
IDF launched this component in October 1997 in response to the request of group
members to help their families in case of serious sickness or death of any income
earners of their families. The objectives and detail operational procedures are
presented below.
Objectives

To provide financial assistance to the members in case of serious sickness or
death of any income earners of their families.

To help members in case of any natural calamity or disaster.
Formation of Fund
The fund is created by:

4% of service charge

by the organization.

Premium of group members. The premium is charged on the basis of loan size
ranging from Tk50 to 250.
Conditions and amount of grants
Particulars
Death
1st & 2nd loanee
3rd loanee & above
Health
1st & 2nd loanee
3rd loanee & above
For member
Family member
Tk.500+Outstanding
loan
maximum of Tk.5,000
Tk.500+ Outstanding loan
maximum of Tk.5,000
amount,
amount,
Up to Tk.1,000
Up to Tk1,500
Up to Tk.1,500
Up to Tk.2,000
Up to Tk1,000
Up to Tk1,500
Grants Distributed (in Taka)
Particulars
Grants for Treatment
No. of Person
Amount
Grants for Death
No. of Person
Amount
Total
No. of Person
Amount
2008
Cumulative
2,107
1,499,100
11,938
8,758,000
543
1,279,800
3,957
7,968,400
2,650
2,778,900
15,895
16,726,400
8.4. Eye Care
Eye problem is very common in Bangladesh. The people of Chittagong Hill Tracts
are more vulnerable in eye health. IDF initiated this component through eye camps in
collaboration with Lions Club of Chittagong Southern in Bandarban in 2002. The
costs of surgery for referral cases were shared jointly by IDF and Lions Club. The
component was undertaken as project by IDF in 2004 with the assistance of Helen
Keller International (HKI). IDF has been implementing eye care as its regular
programme since 2006.
Objectives




Raise awareness on eye care and blindness among the common poor people of the
remote areas of CHT, Chittagong and Cox’s Bazaar district;
Provide primary diagnosis, treatment and referral support;
Provide medical services at nominal cost to the poor;
Prevent eye diseases from maiden period and provide services at the grass-root
level.
The services provided in 2008 are shown below.
Progress
●
●
●
●
●
●
●
●
Operative Patient
:
57
Treated
Refractive Error treatment to
Health Education session
Participant on Beneficiaries training
Staffs /Health agents training
Participant on Staffs /Health agents training
Beneficiaries training
:
:
:
:
:
:
:
941
549
8,212
580
4
60
24
8.5. VAC-CHT Project
Since September 2007, IDF has partnered with HKI to implemented community
mobilization project to improve Vitamin A capsule distribution coverage in the in the
hard to reach area of Chittagong Hill tracts (CHT). This project will continue to
June 2010. IDF also supported HKI to conduct a baseline and post NID survey in the
project areas.
Objectives of the Program:
•
to reach all eligible children aged 9-59 months in the project area.
•
to fill the gaps of VAC distribution in routine EPI.
•
to build a strong relationship with District Civil Surgeon Office, Upazilla
Health & Family Planning Office and EPI staff.
The hard to reach areas in CHT covered by the project are presented below:
District- Khagrachari
1.
2.
3.
4.
Upazila
Dighinala
Panchari
Matiranga
Kahgrachari Sada
Union
4
4
4
3
Village/para Child/Population
189
16,211
220
13,489
144
12,047
229
10,821
District- Rangamati
Upazila
1. Kawkhali
2. Kaptai
Union
4
4
Village/para Child/Population
158
9,873
122
10,267
District- Bandarban
1. Bandarban Sadar
2. Roangchari
4
4
181
162
6,717
4,328
Achievement/coverage in 16th NID 2nd round
District- Khagrachari
1.
2.
3.
4.
Upazila
Dighinala
Panchari
Matiranga
Kahgrachari Sada
Target
16,284
7,916
22,546
6,785
Achievement
16,390
7916
22,430
6,543
%
Target
8,457
10,064
Achievement
8,451
99,20
%
99.92
99
100
100
99
96
District- Rangamati
Upazila
1. Kawkhali
2. Kaptai
8.6
Child Labour and Non-formal Education
IDF has been implementing this component since 1994. The main objectives of this
program are:
Objectives
● To raise awareness on child rights and education;
● To provide basic education (read, write and count) to drop-out children and child
labour;
● To decrease illiteracy rate;
● To provide micro-credit support to the parents of child labour;
● To spread the light of education for the most under privileged children of the
society.
Progress
●
●
●
●
8.7
Educational materials and health services to all children.
Skill Development Training to 300 hazardous child labours.
Enrolled and provided non formal education to 300 child labour.
Providing non formal education to 630 students through 21 centres.
Agriculture
Started in 1997
Objectives
► to educate, encourage and support hilly and other poor people on improved
variety and method;
► to educate, encourage and support homestead food production program, nursery,
seed production and plantation.
Progress
●
Established 1 Central Nurseries, 2 office nursery, 100 Village Model Farm, 3,800
Homestead Gardens.
●
Provided technical and financial support to 200 marginal farmers.
●
170 kg. Maize seeds distributed to 90 farmers.
●
Provided training to 1400 members on improved technology of Beef Fattening.
●
900 kg of various vegetable seeds have been distributed among the farmers and
Nurseries.
●
1,00,000 saplings have been produced in the central nursery.
●
Implementing Homestead Food Production Program (HFPP) in 4 project areas.
i.e Lama, Kaptai, Manikchari and Matiranga in Chittagong Hill Tracts areas.
●
Seeds, medicines, farming equipments, poultry birds and other technical support
have been provided to the farmers.
8.8
Improved Cook Stoves Programme
IDF undertook this program in 10th May 2008 with the assistance of German
Technical Cooperation (GTZ). The main objective of this program is:
*
to decrease the use of fuel property and save environment.
*
to remove fuel crisis and health hazards in rural areas.
*
to improve the cooking efficiency and mitigate health hazards.
The systems installed in 2008 is shown below.
Sl. #
1.
2.
3.
4.
Name of District
Cox’s Bazar
Bandarban
Chittagong
Khagrachari
Total
No.
10
27
89
51
177
8.9
Renewable Energy
IDF started this program in collaboration with Infrastructure Development Company
Limited (IDCOL), a government owned company in 2003. The main purpose of this
program was to provide electricity through small scale solar home system to the rural
and remote people who do not have access to national grid. People have access to
medium and long-term credit facility to procure these systems. The program has plan
to set up mini solar plants in future in growth centres.
Progress
Particulars
System Inst.
Loan disbursed
Loan repaid
Loan outs.
2008
905
19,136,423
9,985,941
9,150,482
Cumulative
2,667
57,403,378
28,645,350
28,758,028
8.10 Homestead Food Production Project (HFPP)……
IDF is implementing HFPP program with the collaboration of Helen Keller
International (HKI) from November 2005 to improve the household food security by
increasing availability, access and consumption of micronutrient rich foods. The main
objectives of the project are:





to 7,000 target households have improved or developed gardens;
to increase consumption of fruits and vegetables among the mothers and children
aged 12-59 months;
to increase the frequency of consumption of eggs and meat per week;
to ensure that at least 30% of the target households are women who will have
access to income from the HFPP; and
to strengthen the capacity of IDF to sustain the above activities.
Achievements in 2008
Training
* Basic training on nursery & model poultry farm establishment
* Refreshers training on nursery & model poultry farm
establishment
* Training on micro-entrepreneurship
* Basic Training on Nutrition Education
* Basic Training on Homestead Garden
* Refreshers training on Homestead Garden
* Basic Training on Poultry Rearing
* Refreshers training on Poultry Rearing
* Basic Training on Gender Awareness
:
:
100
100
:
:
:
:
:
:
:
100
100
200
4000
4,000
4,000
4,000
Establishment and Installation
*
*
*
*
*
Group Leader's Demonstration Garden
Village Model Farm
Chick Rearing Units
Homestead Garden
Water pump for village model farms
:
:
:
:
:
200
200
73
3,800
100
:
:
:
200
200
3,800
:
:
:
:
:
:
:
:
:
:
100
200
3,800
100
73
1,200
773
100
100
117
Inputs and Equipment Distribution
*
*
*
*
*
*
*
*
*
*
*
*
*
Seeds for VMF for seeds. seedlings and saplings production
Seeds/seedlings saplings for GL’s Demonstration Gardens
Seeds/seedlings saplings for HHs for establishing Homestead
Gardens
Chick/birds for village Model Farms
Chick/birds for Group Leaders
Chick/birds for Household members
Debeaking machinc vaccine. vringe Flask. ete
Chiek Rearing Units-8 nos/ thana
Deworming tablets
Nepier, fooder cuttings. etc
Different materials and signboard for VMF
Pump for village model farms VMF
Cooking demonstration at VMF level
8.11 Skill Development
IDF provides various types of training to its members for enhancing their functional
skills through which they can earn additional income. These are mainly group
management, nursery, home-gardening, vegetable and fruits gardening, cutting &
tailoring, cattle fattening, milk cow rearing, Enterprise Development and Business
Management, product designing and mushroom production.
Objects:
* To organize skills training for it’s group members.
* To train the members on group management, nurseries, home-gardening, cattle
fattening etc.
* To increase the income of the most rural and poor women..
* To raise awareness on woman rights.
Progress:
* EDBM Training
* No. EDBM workshops
:
:
298
10
8.12 Housing
IDF undertook this program in 2004 with the assistance of Grihayan Tahabil (GT),
Government of Bangladesh. The main objective of this program is to provide support
to the poor people who are not capable of having safe water and sanitation facilities.
The progress of this program is described below.
●
●
●
●
●
●
●
●
Particulars
No. of houses
Amount disbursed
Amount repaid
Amount outstanding
Amount received from GT
Amount repaid to GT
Amount outstanding to GT
Interest paid to GT
2008
161400
8,87,060
11,107
Cumulative
300
60,00,000
4,657,600
1,342,400
60,00,000
55,73,171
4,26,829
2,42,293
8.13 Human Rights, Democracy & Governance
This project was undertaken in July 2005 with the assistance Sida. The main
objectives of the project were to complete the following activities by June 2008.

provide training on governance and democracy to 140 headmen, 80 chairman, 180
UP members and 270 Karbaries.

provide training to 1,950 landless poor on the importance and process of land
ownership, democracy, child rights and provide legal support in this regard.

set up 5 Drop in Centers in project areas to provide counseling and services on
STD/HIV/AIDS to sex workers, street children, rickshaw pullers, truckers (about
600 people) of high risk per month.

rehabilitate at least of 75 tribal displaced families of CHTs.

organize 600 vulnerable children including street children into peer groups of
around 20-30 and provide counseling on Psychological problems, non-formal
education, training on various IGAs, social problems, STD/HIV/AIDS, hygiene,
savings and credit management through 10 Child Rights Development Centers.
Achievements
The achievements of project activities in 2008 are presented bellow by its
components.
Component-1: Training on governance and democracy





Preparation of training manual
Headman
UP Chairman
Karbaries
UP members
-
Prepared
24
26
105
191
Component-2: Training on land rights and ownership, democracy and legal support




Preparation of training manual
Landless poor
Heads of displaced families
IGA Training
-
Prepared
541
50
50
Component-3: Rehabilitation of tribal displaced families


heads of displaced families
Provide Soft Credit
-
50
50
Rehabilitation program has been implementing in the Baghaichari Upazilla of
Rangamati Hill District. 99 displaced families have been rehabilitated since the
date of inception of the project.
Component-4: STI/HIV/AIDS



Establishment of Drop In Centers
Training on STI/HIV/AIDS
-
4
42 persons
World AIDS Day Observation on 31st December 2008 - Observed
Component-5: Child Rights and Development
*
*
*
*
*
*
*
*
Education materials
Note book
Sharpener
Pencil
Vitamin A
Primary health check
Art competition
Conducting examination
-
630 sets
1,260
1,260
1,260
630
2 times
1 time
3 times
8.14 Birth and marriage registration
This project was undertaken in July 2008 with the assistance of CIDA. The project
covered 4 upazilas of CHTs. The immediate plans are to cover gradually remaining
21 upazilas of CHTs with similar activities implemented under this project. The main
objectives of the project were to complete the following activities by June 2009.

To increase awareness on birth registration, marriage registration and prevention
of early marriage, gender equality, women empowerment, human rights etc.
Orientation workshop for project staff and target group.
Capacity Development of the Ups and traditional leaders in birth registration.
Training of Up and traditional leaders on marriage registration and gender
equality rights.
Advocacy meetings with the Upazilla administration, municipal corporation and
ward commissioners.
Observe 03 special Days i) International Girls child rights day. ii) Child Day and
ii) Human rights Day.
Community mobilization.






Achievements in 2008 :
●
●
●
●
●
●
●
●
●
Orientation workshop for project staff
Workshops for target group
Training of Ups and traditional leaders on birth registration
-
15
88
280
Training of traditional leaders on marriage registration and
prevention of early marriage
Advocacy meetings with the UP members chairman and ward
commissioners
Observed Child Day & Human rights Day
Courtyard meetings with women
Sensitization meetings
Sensitization meeting with community leaders
-
215
-
8
-
4
16
40
16
8.15 Scholarship Program
IDF introduced this program with the income of prize money of Taka 600,000.00 that
received from Grameen Foundation USA in 2004. Grameen Foundation USA added
another US$100,000.00 to this fund in 2006. The scholarship fund is created from the
income of this fund. The details of scholarship are provided below.
Objective
*
To provide support to the children of poor families, particularly IDF members
to get access to education.
*
To contribute to human resources development of the country.
Eligibility
*
*
*
Children of grade 3 to graduate level of IDF poor clients.
At least 60% marks in the last annual exam in case of class iii–x.
Grade-(A) in case of tribal and Grade-(A) in case of non-tribal for SSC, HSC
and graduate levels.
Fund Formation
*
*
*
*
GFUSA Award Money
GFUSA grants
IDF contribution
Others
Selection Procedure
* Scholarship Committee selects new students for and renewal of scholarships;
* Primary identification and application are received by branch manager with the
help of field organizers.
* Results of last annual exam, performance in the class and manners are mainly
considered during the selection;
Number and amount of scholarships by class per year
Class
III – V
VI – VIII
IX – X
XI – XII
Undergraduate
(4 years)
No.
120
90
50
40
20
Amount/month
100.00
150.00
175.00
300.00
600.00
One time Scholarship provided in 2005-07
Year
2005
2006
2007
Class
HSC
HSC
SSC
No.
15
20
20
Amount
15,000
20,000
20,000
Total Scholarship (Regular)
Year
2005
2006
2007
2008
No.
26
50
60
192
Amount
54,000
104,000
168,300
386,700
8.16 Automation
IDF started automation in March 2007 with the assistance of Grameen Foundation
USA. Technical Committee Consisted of GFUSA and IDF selected Southtech
Limited as the Implementation partner of this programme. As of December 2008, IDF
completed automation in 25 branches and plans to complete remaining branches by
March 2009.
8.17 Disaster Management
IDF identified risks of both natural and man-made disasters in its working area and
responded by developing a disaster management plan. IDF has arrangements for
shelters within its working area in the case of floods, tornadoes, cyclones, fires,
earthquake and other natural disasters. Institutionally the loanee (member) gets grants
and loans on the occurrence of a disaster. A new loan can also be provided for the
required rehabilitation. Conceptually IDF does not believe in relief but it does not
ignore a rescue and safety operation.
IDF has trained ten groups with membership of five on disaster management. The
members of these groups include the official of the IDF and the family members
(husband, son etc.) of the loanee. These groups are fielded for search and rescue in
the case of any disaster. IDF provides transport, food and honorarium to the members
of such a group. The spirit of such a group is humanitarian and voluntary in character.
8.18 Environment
The southern part of this country is covered with deep forests. Chittagong and the
Chittagong Hill Tracts (CHT) are popular for hills and forests. There are lots of
reserve forests in these areas but they are not well protected there is practically no
sign of creating new forests, although the government is continuously taking
initiatives to improve the situation.
From the very beginning IDF introduced Forestation and Agriculture Extension
Program with a view to creating new plantations in Chittagong Hill Tracts and
Chittagong and thus making a balance of the environment. In 1997, with technical
assistance from Helen Keller International (HKI) IDF introduced a Home Gardening
& Nutritional Education Surveillance Program, which helped to create awareness
about environmental protection among the dwellers of Bandarban, Rangamati and
Khagrachari Hill districts.
IDF established two central nurseries in Bandarban district for demonstration and
making saplings available to the common people. IDF provided technical and credit
support to the members for establishing village nurseries and home gardens. This
created a great response; more and more household garden holders are now buying
saplings of fruit and wood trees at a cheaper rate.
In 2008, with produced 149,000 saplings through 1 Central Nursery and 1 Office
Nurseries, and sold as well as distributed them under social forestation program to the
members.
8.19 Gender Promotion
IDF has been working on gender issues since its inception. IDF organizes poor
women and provide training and necessary inputs for both economic and social
empowerment as indicated below:
1. Women’s access to economic resources;
2. Promotion of men and women’s joint participation in decision-making at all
levels;
3. Improvement of women’s access to education and health care;
4. Promotion of social rights of women;
5. Eliminating discrimination against women.
With respect to these, IDF has had great success in creating leadership and women’s
access to economic resources. IDF organized a number of workshops on
Reproductive health in Bandarban and Rangamati Hill districts to create awareness on
common diseases, reproductive and child health and the Medical Officer and Health
Workers visit villages on regular basis and provide health care facilities. IDF gives
also priority to women during its recruitment in order to balance the gender.
9.
Manpower
The total manpower of IDF in various programs and projects as of December 2008
are shown by programs/projects and sex in Table-6.
Table 6: Staff by program and sex
Sl. #
01
02
03
04
05
06
07
08
Name of Program
Micro Finance
Health, Sanitation and Water
STD /HIV /AIDS
Renewable Energy
Child Labor & Non Formal Education
Agriculture, Livestock and Fisheries
Human Rights Project (Sida & IDF)
Vitamin "A" Capsule Programme
Total
No. of Staff
Male Female Total
416
134
550
4
0
4
12
2
14
52
0
52
4
19
23
24
5
29
12
9
21
7
4
11
531
173
704
The staff of each individual program/project is shown below by their position and sex.
Table 6.1: Micro Program
SL No.
01
02
03
04
05
06
07
08
09
10
11
12
13
Designation
Executive Director
Coordinator/Deputy Coordinator
Assistant Coordinator
Senior Program Organizer
Consultant (Internal Audit)
Program Organizer
Assistant Program Organizer
Senior Field Organizer
Field Organizer
Driver
Receptionist
Messenger
Guard-cum-cook
Total
Male Female
1
0
1
0
17
1
8
0
4
0
60
14
14
2
32
5
271
58
5
0
0
2
2
1
1
51
416
134
Total
1
1
18
8
4
74
16
37
329
5
2
3
52
550
Table-6.2: Health, Sanitation and Water
SL No.
01
02
Designation
Health Coordinator
Paramedics
Sub Total
Male
2
3
4
No. of Staff
Female
Total
2
3
4
Table-6.3: STD /HIV /AIDS
SL No.
01
02
03
Designation
Male
Medical Officer
DIC in charge
Outreach worker
2
4
6
12
Sub Total
No. of Staff
Female
Total
2
4
2
8
2
14
Table 6.4: Renewable Energy
SL No.
01
02
03
Designation
Assistant co-ordinator
Sub Assistant Engineer
Solar Technician
Sub Total
No. of Staff
Male
Female
Total
2
2
4
4
46
46
52
52
Table-6.5: Child Labour & Non Formal Education
SL No.
01
02
03
04
Designation
Project Coordinator
Project Supervisor
NFE Teacher
Child Rights Facilitators
Sub Total
Table-6.6: Agriculture, Livestock and Fisheries
Male
1
1
2
4
No. of Staff
Female Total
1
1
9
11
10
10
19
23
SL No.
01
02
03
04
Designation
Agriculturist
Agriculture Extension Worker
Project Officer
Nutrition Worker
Sub Total
Male
2
18
4
24
No. of Staff
Female Total
2
1
19
4
4
4
5
29
Table-6.7: Poverty Alleviation through the Improvement of Rights of the Poor
SL No.
Name of Program & Designation of Staff
01
02
03
04
05
06
07
08
09
10
11
Project Director
Coordinator
Specialist in Democracy and Rights
Specialist in Land & Legal Matters
Medical Officer
Assistant Coordinator, Child Rights
Project Officer
Accounts Officer
Computer Operator
Support Staff
Child Rights Facilitator
Sub Total
No. of Staff
Male Female Total
1
1
1
1
1
1
1
1
2
2
1
1
1
1
1
1
1
1
1
1
1
9
10
12
9
21
Table-6.8: CHT Vitamin-A Capsule Project
SL No.
01
02
Designation of Staff
Assistant Coordinator
Data Collection Officer
Sub Total
10.
Male
1
6
7
No. of Staff
Female Total
1
4
10
4
11
Human Resources Development
IDF has human resources policy for the development of both its staff and
beneficiaries. The staffs are provided intensive training immediately after recruitment
while the group members are required to undergo intensive training before getting
recognition as group member. The training for staff includes pre and in-service
training and basic/foundation and orientation training, skills training and workshops
on various issues for the members. A description of such activities conducted during
2007 is given below.
10.1
Recruitment
IDF recruits professional and other staffs on competitive basis through advertisements
in the Daily News Paper. IDF recruited the following staff for different
programs/projects in 2008.
Micro finance
i)
Assistant Coordinator
ii)
Trainee Program Organizer
iii)
Field Organizer
-
03
55
143
Health
i)
Health Supervisor
ii)
Health Worker
-
01
01
Renewable Energy (Solar)
i)
Solar Technician
-
20
Others CHT-VAC Project
i)
Assistant Coordinator
ii)
Data Collection Officer
-
01
08
10.2.1 Pre and In-service Training
Pre and in-service training are organized for IDF staff members. The nature of
training provided during 2008 is described below.
i) Pre-service Training
After recruitment, the Village Organizers (VOs) and Program Organizers (POs)
are required to undergo intensive training on group and office management and
disciplines, credit rules and conditions, accounting, reporting and monitoring
system for six months. The trainees complete their training in 3 phases. They are
required to sit for a test after the completion of each assignment. The trainees are
terminated if they cannot pass the tests in two consecutive chances. 143 Field
Organizer and 55 Program Organizer were recruited and provided pre-service
training in 2008.
ii) In-service Training
In-service training is organized both for Field Organizers and Program
Organizers. The purpose of in-service training is to develop the capability of staff
members so that they can implement the project activities efficiently. In-service
training deals mainly with day-to-day issues, problems, account keeping,
monitoring & reporting, loan supervision and other issues requested by the
participants. Three in-service training courses were organized for 55POs in 2008.
10.2.2 Outside Training
IDF staff members received training on various aspects in 2008. Table-7 shows the
details of outside training received by the IDF staff members and Beneficiaries.
Table-7: Outside training by name and organisation
Sl
#
1
2
3
4
5
6
7
8
9
11.
Name of Training
Duration
Functional Office Management and
18-22/05/08
General Administration
Accounts and Financial Management 17-20 February '08
Tadaraki, Poribhikhon
17-19 February '08
04-07 February '08
Refresher Training
09-12February '08
Supervision And Monitoring
17-19 February '08
Training of the Trainers
3-7 February '08
Accounts Keeping and Financial 17-20 February '08
Management for Branch/unit office
Accounts
Office Management
18-22 May '08
Agriculture Programme
13-14 October '08
# of
Organised
participants
by
1
MDC, BD
3
02
1st & 2nd
batch
2
1
PKSF
PKSF
2
PKSF
1
1
PKSF
PKSF
HKI
PKSF
PKSF
PLAN AND BUDGET
IDF prepared its third five-year plan for 2004-2008 in December 2003 through a
strategic planning workshop. Under the framework of this five-year plan, IDF
prepared annual plan and budget through a participatory process. IDF shifted its
operational and financial year from January-December to July-June in July 2003.
Accordingly, this year IDF has prepared plan and budget for July 2008-June 2009.
The plan for membership growth, loan disbursement, loan repayment, savings
mobilization was done at branch level. Each field worker submitted his/her annual
plan to branch manager. The branch manager then organized a one-day workshop to
discuss and review the individual plans and annual budget of the branch. Once a plan
and budget for the branch was finalized, the branch manager submitted it to the
planning and budget division of IDF.
IDF organized a two-day workshop in June 2008 at its Chittagong Office, where the
plan and budget of individual branches, the Central Coordination Office and the Head
Office were discussed and reviewed thoroughly and finalized for submission it to the
IDF Governing Body and General Body for approval. The annual plan and budget of
July 2008-June 2009 was prepared and approved through the above process. The
summary of annual plan and budget of July 2008-June 2009 is attached with the
report (Annex-6).
12.
REVIEW MEETING
IDF organises monthly review meeting and workshops on regular basis for reviewing
the progress and problems of various project activities. At branch level, the branch
manager conducts the review meeting while the village organisers are participants of
the meeting. At area level and regional levels, the branch managers, senior officials
and the Executive Director of IDF participate in the review meeting. IDF holds this
meeting once every month.
Monthly review meeting of branch managers is held every month at the area level.
Review of the previous month’s progress, implementation of the plan, problems at
branch level and their solutions, quality of work and utilization of loan are discussed
elaborately and decisions are also taken in these meetings.
Monthly review meetings of Area Managers are held at the IDF office in Chittagong.
Beside the Area Managers and concerned officials of the programs, Executive
Director of IDF participated in these meetings. In the meeting, monthly progress
reports, various problems of the programs and their solutions, quality of the groups,
centres, branches and loan supervision and audit are discussed and necessary
decisions taken. Moreover, other development programs such as Health Services,
Education and Awareness, Micro-insurance, Solar Home System, Village Nursery,
Agriculture, Forestation, Fisheries and other project activities are also discussed in
the meeting.
13.
AUDIT
13.1 Internal Audit
IDF established independent Internal Audit Team in 2000 with a view to maintaining
and improving the quality of work of its Microfinance program. The Team was
formed by two experienced staff-members of IDF. The Team is responsible directly
to the Executive Director for its work.
The team visits branches, area, central coordination and head offices to examine the
books of accounts, various registers, loans and savings collection sheets, various
ledgers and to verify the ledgers and collection sheets with the records and pass books
of members. The team also examines the utilisation of loans by the members.
The team corrects the mistakes and errors at branch level if possible. For mistakes
and errors, which are not able to be corrected at the branch, one-month is allowed to
correct them and report to the Executive Director. For wilful minor mistakes,
administrative measures are taken while for misappropriation major action is taken.
As of December 2008, all 53 branches (includes new branches), area and Central
Co-ordination Office have been audited by turn. The internal audit was found to be a
very fruitful tool for maintaining and improving the quality of work.
13.2 External Audit
A Chartered Accountancy Firm appointed by IDF Annual General Meeting on
competitive basis carries out external audit for IDF. Khan Wahab Shafique Rahman
& Co. audited IDF accounts for July 2007-June 2008 and duly submitted a report.
Annex - 1
FOUNDER MEMBERS'
1.
Professor Mohammad Yunus
Grameen Bank Campus
Mirpur-2,Dhaka
2.
Mr.Mohammad Siddiquer Rahman
House #42/1,Road # 7
Block -11,Banani,Dhaka -1213
3.
Prof. H.I. Latifee
Grameen Turst
Mirpur -2, Dhaka
Tel : 8016319 (O)
4.
Mr. A. K. Fazlul Bari
House # 263, Lane # 3
HOHS, Baridhara, Dhaka
Tel : 8817271 (R), 01713-426402
5.
Dr. Mahmudul Alam
Flat # A2, Property Triad
38, Lake Circus, Kalabagan
Dhaka
Tel : 9113543 (R), 01713-017402
6.
Mufaweza Khan
House # 8, Road #7A, Sector # 3 ,
Uttar Modal Town, Dhaka
Te : 8918892
7.
Mr. Zahirul Alam
House # 02, Road # 02
Block # C, Mirpur-2, Dhaka
Tel : 9005452, 01711-538142
8.
Mr. Mahfuzur Rahman
House#3, Road#11
Rajuk Lake View Prakalpa, Badda, Dhaka
Mobile: 01713-426404
9.
Principal Rezaul Kabir
Islamia Degree College
Sadarghat, Chittagong
Tel : 01817-753275
10.
Mr. Shahidul Amin Chowdhury
House # 25, Road # 2, Block # B
Chandgaon R/A, Chittagong
Tel : 01711-969822
11.
Mr. Nurul Alam Chowdhury
House # 4, Lane- # 2, Road # 1
Block # L, Halishahar H/E
Chittagong, Tel : 01711-430681
12.
A.T.AM. Nasir Uddin
54, New Eskaton Road
Dhaka
Tel : 8127984 (R)
13.
Arct. Maung Than Han
Manoshi (1st floor)
1094/1196, O. R Nizam Road, Chittagong
Tel : 031-635771 (R)
14.
Mr. K.M Asaduzzaman
Grameen Bank Campus
Mirpur-2,
Dhaka
15.
Mr. Zafar Ullah
House # 1, Road # 3 (2nd Floor East)
Rupnagar Housing Society
Mirpur, Dhaka
Tel : 01817-596152
16.
Mrs. Khaleda Rahaman
House # 42/1,Road # 7
Block-H, Banani,
Dhaka-1213
17.
Dr. Md. Ismail Chowdhury
C/O. Dr. Mahfuzur Rahman Lab
Opposite of Gulzar Tower
58, Chatteswari Road
Chawkbazar, Chittagong
Tel : 031-651516(R), 01818-703546
18.
Mr. Jawher Lal Das
Flat # A/1, Rosetta
House # 8, Road # 12 (New)
Dhanmondi, Dhaka
Tel : 01713-046979
19.
Mr. Sher Afzal khan
MIDAS, Dhanmondi R/A
Dhaka
20.
Mrs. Hamida Islam
Hasnaband Colony, Mogbazar
Dhaka
Annex - 2
General Body
1
Mr. A. K. Fazlul Bari
House # 263, Lane # 3
HOHS, Baridhara
Dhaka
Tel : 8817271 (R), 01713-426402
2
Dr. Mahmudul Alam
Flat # A2, Property Triad
38, Lake Circus, Kalabagan
Dhaka
Tel : 9113543 (R), 01713-017402
3
Mr. Zahirul Alam
House # 02, Road # 02
Block # C, Mirpur-2
Dhaka
Tel : 9005452, 01711-538142
4
Dr. Md. Ismail Chowdhury
C/O. Dr. Mahfuzur Rahman Lab
Opposite of Gulzar Tower
58, Chatteswari Road
Chawkbazar, Chittagong
Tel : 031-651516(R), 01818-703546
5
Mr. Zafar Ullah
House # 1, Road # 3 (2nd Floor East)
Rupnagar Housing Society
Mirpur, Dhaka
Tel : 01817-596152
6
Mr. Mahfuzur Rahman
House#3, Road#11
Rajuk Lake View Prakalpa,
Badda, Dhaka
Mobile: 01713-426404
7
Mr. Jawher Lal Das
Flat # A/1, Rosetta
House # 8, Road # 12 (New)
Dhanmondi, Dhaka
Tel : 01713-046979
8
Mr. Shahidul Amin Chowdhury
House # 25, Road # 2, Block # B
Chandgaon R/A, Chittagong
Tel : 01711-969822
9
Principal Rezaul Kabir
Islamia Degree College
Sadarghat, Chittagong
Tel : 031-615269 (O), 01817-753275
10
Arct. Maung Than Han
Manoshi (1st floor), 1094/1196
O. R Nizam Road, Chittagong
Tel : 031-635771 (R)
11.
Mr. Nurul Alam Chowdhury
House # 4, Lane- # 2, Road # 1
Block # L, Halishahar H/E
Chittagong, Tel : 01711-430681
12
Mr. Maung Thoi Ching
Ujani Para Kiang Road
Ujani Para, Bandarban
Tel : 0361-62088
13.
Mr. Ranglai Murang
Post Office- Shoalok
P.S. & Dist.-Bandarban
Tel : 0361-62194
14.
Prof. Md. Saleh Uddin
Sovasto Nilima
3/9, Block # A, Lalmatia, Dhaka
Tel : 01919-934311
15.
Mrs. Hosne Ara Begum
House # 1, Road # 3
Rupnagar Housing Estate, Mirpur, Dhaka
Tel: 880-2-9011153 (R)
16.
Mr. Lalon Kanti Chakma
Kyachalong Degree College
Baghaichari
Rangamati
17.
Prof. Md. Nizam Uddin
House # 25, Road # 2, Block # B
Chandgaon R/A, Chittagong
Phone # 031-671142(R)
Annex- 3
IDF Governing Body, 2008
1.
Mr. A.K Fazlul Bari
-
Chairman
2.
Dr. Md. Ismail Chowdhury
-
Vice-chairman
3.
Mr. Zahirul Alam
-
General Secretary/
Executive Director
4.
Mr. Maung Thoi Ching
-
Joint Secretary
5.
Mr. Mahfuzur Rahman
-
Treasurer
6.
Mr. Rezaul Kabir
-
Member
-
Member
7. Prof. Dr. Md. Saleh Uddin
Annex- 4.1
BRANCH OFFICES
Year of
establishment
Name of Branches
Address
1.
Shoalok Branch
October
1993
2.
Balaghata Branch
November
1994
3.
Rajbila Branch
May
1996
4.
Betbonia Branch
May
1996
5.
Rajasthali Branch
May
1996
6.
Raikhali Branch
December
1996
7.
Baraichari Branch
December
1996
8.
Bahaddarhat
Branch (Urban)
January
1997
9.
Lama Branch
May
1997
10.
Rangamati Branch
September
1997
11.
Khagrachari Branch
October
1997
12.
Manikchari Branch
March
1998
13.
Halishahar Branch
March
1998
14.
Pahartali Branch
April
1998
15.
Guimara Branch
April
1998
16.
Ranirhat Branch
P.O. Shoalok, P.S. Bandarban Sadar
Bandarban Hill District
C/o. Balaghata Buddhist Anath Ashram
Balaghata, Bandarban Hill District
Tel : 0361- 416
P.O. Bangal Haliya
P.S. Rajasthali, Rangamati
P.O. Betbonia, P.S. Kawkhali
Rangamati Hill District
P.O. & P.S. Rajasthali
Rangamati Hill District
P.O. Raikhali Bazar
P.S. Rajthali,Rangamati Hill District
P.O. Baraichari
P.S. Kaptai,Rangamati Hill District
House # 81, Road # 4, Block # B
Chandgaon R/A, Chittagong
(Beside Lama Govt. High School)
P.O. & P.S. Lama, Bandarban
Plot # 126, Alam Dockyard (Kataltali)
Near Lakers Public School
Rangamati Hill District
Tel : 0351-63353
P.S. Khagrachari Sadar
Khagrachari Hill District
House # Gha/4, (Beside Mosque)
Khagrachari Hill District
House # 04, Road # 06, Block-G
P.O. Halishahar Housing Estate
Chittagong
2826, Nahar Monjil
West Nasirabad, (Kacha Rasta Eid-Gah)
Pahartali, Chittagong.
P. O. & P.S. Guimara
Khagrachari Hill District
P.O. Thandachari, Via: Raozan,
P.S. Rangunia, Chittagong
December
1998
17.
Langadu Branch
P.O. & P.S: Langado, Rangamati
July
1999
18.
Matiranga Branch
Rasulpur Mour (Beside of Unnayan
Board) P.O. & P.S. Matiranga
Dist: Khagrachari Hill District
April
2000
Annex- 4.2
BRANCH OFFICES
Name of Branches
19.
Ruma Branch
20.
Rajarhat Branch
21.
Mohora Branch
22.
Baishari Branch
23.
Banarupa Branch
24.
Katghar Branch
25.
Baghaichari Branch
26.
Raozan Branch
27.
Kadamtoli Branch
28.
Brahammanhat
Branch
29.
Eidgaon Branch
30.
Oxygen Branch
31.
Cox's Bazar Branch
32.
Karnelhat Branch
33.
Boalkhali Branch
34.
Ukhia Branch
35.
Pomra Branch
Address
Year of
establishment
P.O. Ruma, P.S. Ruma
Bandarban Hill District
P.O. Uttar Padua (Jamaddar Tila)
P.S. Rangunia,Chittagong
June
2000
November
2000
Badhan Community Centre (2nd floor)
Mohora,Chittagong
P.O. Baishari, P.S. Naikhongchari
November
2000
February
2001
September
2001
September
2001
November
2001
May
2002
December
2002
May
2003
June
2003
July
2003
August
2003
February
2004
March
2004
August
2004
August
2004
Bandarban Hill District
Alam Dockyard (Kataltali)
Near Lakers public School
Rangamati Hill District
Tel: 0351-63353
Kashem Vila, Katghor Bazar
(Uttar Patenga), P.O. Steel Mills,
Chittagong
P.O. Marishya
P.S Baghaichari, Rangamati
Shikdar Ghata
P.O. & P.S. Raozan,Chittagong
260, Dhaka Trank Road Lane
West Madarbari
P.S. Dabalmuring, Chittagong
P.O. Gujra Noapara
P.S. Raozan, Chittagong
Haji Solimullah Shopping Complex
Eidgaon Bus Station, Cox's Bazar
C/o Hazi Hamdu Miah
Beparipara, WAPDA Gate, Kulgaon
Jalalabad, Chittagong
Rumalirchara
(Behind Al Mustafa KG School)
Cox's Bazar
Mostafa Hakim College Road
P.O. Karnelhat, P.S. Pahartoli, Chittagong
Buri Pukurpar
Purba Gomdandi
P.S. Boalkhali, Chittagong
Court Bazar,Fazal market (2nd floor)
P.O. Ratna Palang, P.S. Ukhia, Cox’s
Bazar
Mamtaz Market (Ground Floor)
P.O. N.T Madrasa (Code No. 4360)
P.S. Rangunia, Chittagong
Annex- 4.3
BRANCH OFFICES
Name of Branches
36.
Banshkhali Branch
37.
Sarkarhat Branch
38.
Jurachari Branch
39.
Shilok Branch
40.
Satkania Branch
41.
Azadi Bazar Branch
42.
Rajshahi Branch
43.
M. Char hat Branch
44.
Bariarhat Branch
45.
Podua Branch
46.
Dhupachari Branch
47.
Uttar khan Branch
48.
Dighinala Branch
49.
Sarai Branch
50.
Anwara Branch
51.
Arani Branch
52.
Patharghata
53.
Poba
Address
Year of
establishment
Village.Chandpur,P.O Belgao,
P.S. Banshkhali, Chittagong
P.O Mirzapur,P.S. Hathazari,
Chittagong
P. O. Jurachari
P.S. Rangamati Sadar, Rangamati
September
2004
December
2004
March
2005
Village + P.O Shilok
July
2005
September
2005
October
2005
December
2005
December
2005
March
2006
March
2006
March
2006
May
2006
June
2006
August
2006
September
2007
December
2007
March
2008
May
2008
P.S. Rangunia, Chittagong
C/O - G M Safura Manson
(In front of Satkania High School)
PO + PS Satkania, Chittagong
Dhoapukurpar
P.O. Azadi Bazar, P.S. Fatikchari,
Chittagong
Sector # 1 Upashahar
House # B 499 (Ground floor)
P.O. Sopora, P.S. Boalia, Rajshahi
C/o Omor Ali Saodagor
P.O. M. charhat, P.S. Lohagora
Chittagong
C/o Islam Market (Ground Floor)
P.O. Hinguli, Bariarhat. P.S. Mirshoirai
Chittagong
C/o Abdul Hakim Chowdhury's Petrol
Pamp, P.O. Emchorhat, P.S. Lohagora
Chittagong
P.O.Dhupachari, P.S. chandonysha
Chittagong
Moinartek Bazar
P.O. Uzanpur, P.S. Uttara, Dhaka-1230
P.O. Dhighinala, P.S. Dhighinala
Rangamati
P.O. Soroi, P.S. Soroi
Bandarban
P.O. Minnot Ali Hat , P.S. Anwara
Chittagong
P.O. Arani, P.S. Bagha
Rajshahi
P.O. Firingibazar P.S. Firingibazar
Chittagong
P.O. Darusha, P.S. Poba
Rajshahi
Annex- 5
MEMBERSHIP AND LOAN OPERATION BY BRANCHES (as of December 2008)
(Amount in 000)
Branches
Bandarban District
1
Shoalok
2
Balaghata
3
Rajbila
4
Lama
5
Ruma
6
Baishari
7
Soroi
Sub Total
Rangamati. District
8
Betbonia
9
Rajasthali
10 Raikhali
11 Baraichari
12 Rangamati
13 Langadu
14 Banarupa
15 Baghaichari
16 Jurachari
Sub Total
Khagrachari District
Khagrachari A/O
17 Khagrachari
18 Manikchari
19 Guimara
20 Matiranga
21 Dighinala
Sub Total
Chittagong District
22 Bahaddarhat
23 Halishahar
24 Pahartali
25 Ranirhat
26 Rajarhat
27 Mohora
28 Katghor
29 Raozan
30 Kadamtoli
31 Brahammanhat
32 Oxyzen
33 Karnelhat
34 Boalkhali
35 Pomra
36 Banshkhali
37 Sarkarhat
38 Shilok
39 Satkania
40 Azadi Bazar
41 Emchorhat
42 Bariarhat
43 Podua
44 Dhupachari
45. Anwara
46 Patherghata
Sub Total
Member
No.
Disbursement
Outstanding
Savings
Amount Tk.
Overdue
1129
1839
1572
1573
666
2001
733
9513
54818.1
101639.5
115997.1
100534.9
35885.0
85935.1
12436.0
507245.7
4778.1
9572.9
7380.5
8150.8
6157.2
6160.2
3677.7
45877.4
2569.1
5404.3
3950.6
4071.0
3399.0
2702.8
1399.9
23496.7
144.7
294.8
1297.6
373.9
176.7
11.2
5.9
2304.8
1388
1315
1991
1517
2259
2202
1622
1408
684
14386
109021.3
64012.2
176344.7
91884.0
192144.0
116571.5
85231.5
60207.0
6506.0
901922.2
7679.8
4216.5
11079.7
7602.5
20703.0
12631.5
12203.6
8274.5
3328.8
87719.9
4452.4
2539.8
6629.6
4210.2
10391.0
4667.0
6265.5
3076.7
731.1
42963.3
1487.2
486.5
1730.3
91.0
501.5
1785.7
456.2
4757.0
2412.9
13708.3
77
2113
1488
1143
1137
1420
7378
1985.0
166341.0
87228.5
67894.0
54708.4
24710.0
402866.9
280.7
14276.0
5706.2
6140.7
5718.1
8023.0
40144.7
6.8
8639.5
4280.5
3274.3
2608.0
2915.9
21725
0
504.1
0
583.4
136.3
4019.6
5243.4
2449
2454
1483
1625
2213
1910
1578
1945
1929
2101
1392
1359
1129
1152
1274
1316
756
860
952
1069
793
938
1169
515
485
34846
217864.5
197679.5
166355.8
121564.8
154186.4
124066.5
79417.2
109455.0
103369.0
79389.8
63246.0
47651.0
35789.3
33795.2
35594.0
35279.0
21437.5
13103.0
20807.0
19987.5
16381.0
13709.5
35388.0
3111.0
2354.6
1750982.1
19860.9
18227.9
10978.6
9823.8
8377.6
15934.5
8509.5
13634.5
14265.8
11648.5
10100.6
6344.2
5383.9
5095.2
6199.6
6650.3
3947.3
3664.2
4713.5
6336.4
4285.9
4305.6
6679.8
1537.6
1683.4
208189.1
13222.6
10832.5
7658.8
5316.9
4623.0
9211.8
5981.5
7637.9
9287.2
5351.7
4999.8
3986.0
2929.5
2376.5
2303.8
3304.5
1404.3
1412.8
2120.3
1866.2
1594.7
1426.7
2681.2
445.2
415.9
112391.3
101.5
306.9
3926.8
183.7
350.3
439.0
427.0
694.2
592.7
391.3
1097.6
469.6
288.9
315.8
268.7
227.6
252.3
217.4
281.9
0
38.6
326.8
31.0
0
0
11229.6
Cox's Bazar District
47 Eidgaon
48 Cox's Bazar
49 Ukhia
Sub Total
Rajshahi District
50. Rajshahi
51 Arani
52. Poba
Sub Total
Dhaka District
53. Uttar khan
Sub Total
Total
1712
1382
1482
4576
53720.0
39209.0
29258.0
122187
8556.6
6174.6
5506.0
20237.2
3102.7
2843.3
2231.6
8177.6
167.9
454.2
563.9
1186
899
452
395
1746
17239.0
2798.0
3260.0
23297
4442.0
1781.9
1844.9
8068.8
1678.3
377.9
421.3
2477.5
81.8
0
14.7
96.5
456
13178.0
4438.0
1270.8
112.6
456
13178
4438
1270.8
112.6
72901
3721678.9
414675.1
212502.2
33881.2
Annex- 6
Plan and Budget for IDF Microfinance Program
(July 2008-June 2009)
Plan
Particulars
Branch
Field Worker
Centre
Group
Member
Loan Outstanding (Tk)
Saving Balance
Up to June
2008
53
226
3,160
16,722
71,484
41,34,15,500
21,26,86,500
Plan
(July 2008-June
09)
10
45
1,004
5,115
35,983
16,38,91,412
8,16,59,630
Total
(June 2009)
63
271
4,164
21,837
107,467
57,73,06,912
29,43,46,130
Budget
Particulars
1.
Expenditure
Head Office
Central Co ordination Office
Area Office (10)
Branch Office (53)
40,73,280
86,20,400
27,34,630
4,14,26,658
Sub Total
2.
3,00,000
2,66,600
4,410
7,43,335
Sub Total
13,14,345
Interest Expense
Branch Offices
1,69,02,886
Sub Total
4.
5,68,54,968
Depreciation
Head Office
Central Co ordination Office
Area Office (10)
Branch Office (53)
3.
Tk.
16,902,886
Other Expenditure (HRD, Bank Charge, Audit Fee,
Workshop/ Meeting etc.)
Head Office
Central Co ordination Office
Area Office (10)
Branch Office (53)
2,15,000
6,32,700
51,500
14,17,041
Sub Total
Total
23,16,241
7,73,88,440
5.
Capital Expenditure
Head Office
Central Co ordination Office
Area Office (10)
Branch Office (53)
Land Purchase
Total
6
1,35,000
3,75,600
12,000
26,35,148
50,00,000
81,57,748
Income
Service Charge
Interest on Advance
Bank Interest
House Rent
Pass Book Sale
Others Income
Account Close
11,40,79,798
87,887
3,65,970
8,91,098
2,05,690
2,41,430
3,30,160
Total
11,62,02,033
***