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ANNUAL REPORT 2007

MESSAGE FROM THE CHAIR

Integrated Development Foundation (IDF), from the very beginning, has been working with the hilly but poor people of the Chittagong Hill Tract districts and focused its activities primarily on microfinance. The purpose is to bring about an improvement in the overall socio-economic conditions of these disadvantaged people. It was initially a difficult task working with almost un-covered and un-served population living in such remote and difficult areas. IDF feels proud for successfully overcoming all challenges and difficulties and go ahead with its declared vision and mission.

Over the years, along with microfinance, IDF pursued the policy of integrated approach of rural development and encompassed the areas of other aspects like health, education, agriculture, renewable energy, housing, human rights/democracy & governance, disaster management and so on. IDF, along with gradual expansion of program activities, also expanded its area of operation and started serving now the rural poor of seven districts in Bangladesh. IDF is considered as one of the largest MFIs in the south-eastern part of the country in terms of both membership and geographical coverage.
   
The performance of the dedicated staff, supports of all donors, assistance by executive & general bodies and cooperation of the well wishers of IDF have significantly contributed towards this achievement.

It is heartening to note that the present status of the details of these activities with the growth trends in the past years have been reflected in the IDF Annual Report 2007. I congratulate those who had done the hard work of preparing the report. I do believe that the readers will get an insight of IDF activities through this 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.

INTRODUCTION


Integrated Development Foundation (IDF) is a non-profit, non-political and a non-government 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 in 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 with micro-finance program in Chittagong Hill Tracts (CHT) in a small para (sub-village) of Shoalok mouza of Bandarban Hill District in 1993 with a seed capital loan of US$ 7,500.00 from Grameen Trust. The people found IDF’s micro loans very useful within one year. Thus the seed capital received from Grameen Trust was very small to meet the growing demand of micro-loans of the area. As a result, IDF approached various donors for support to meet this demand as advised by Prof. Muhammad Yunus. Swedish International Development Co-operation Agency (Sida) responded immediately and supported IDF for the experiment and expansion of Grameen Bank Model in the whole of the CHTs area in the framework of a long-term (8 years) sustainable plan. IDF implemented the project successfully, which subsequently attracted other donors and partners including various ministries of the Government, PKSF, ILO, Helen Keller International (HKI), UNICEF, CARE, AusAID, IDCOL, Grameen Foundation USA, Deutsche Bank, CowBank (Australia), Basic Bank, Sonali Bank and Bangladesh Krishi Bank and others.

VISION

To make Bangladesh poverty free.

MISSION

Combating poverty in the impassable hilly regions and other un-served areas of Bangladesh in order to create a poverty free Bangladesh.

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 socio-economic strength in it through mutual support.

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.

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.

Chittagong Hill Tracts

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.

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.

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.

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.

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 PROGRAMS

The year 2007 is the 14th year of IDF operations in poverty alleviation and social development. This annual report presents the overall progress of IDF activities in 2007. It also presents year-wise summery report up to December 2007. The major programs implemented in 2007 are:

8.1 Micro finance
8.2 Health, Water and Sanitation
8.3 Micro Insurance
8.4 STI / HIV / AIDS
8.5 Eye Care
8.6 Nutrition
8.7 Child Labour & Non Formal Education
8.8 Agriculture
8.9 Renewable Energy
8.10 Skill Development
8.11 Housing
8.12 Human Rights, Democracy & Governance
8.13 Disaster Management
8.14 Environment
8.15 Gender Promotion

8.1 MICRO FINANCE

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 14 years of operation of its microfinance program in 2007. Many of IDF clients who started as ultra poor gradually graduated to micro-entrepreneurs which is 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 2007 are shown in the Table 1:
Categories of Clients
No. of Member
Loan Outstanding
Savings
2007
Cum.
2007
Cum.
2007
Cum.
Beggars
60
196
0.04m
0.157m
0.0123m
0.0144m
Poor & Ultra Poor
5,135
67,161
81.87m
387.096m
25.5m
185.031m
Macro-enterprise
217
836
5.43m
25.656m
2.59m
6.862m
Total
541
68,193
85.44m
412,909m
27.67m
191.907m
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 undertake various income generating    activities;
• to make the beggar into productive manpower;
• to improve their overall socio-economic status.
Particulars
Up to 2006
In 2007
Up to 2007
No. of Branch
12
12
24
No. of Member
60
136
196
Loan disbursed
0.06m
0.179m
0.239m
Loan outstanding
0.04m
0.111m
1.57m
Repayment Rate
100%
100%
100%
Amount savings
.0020m
0.0123m
0.0143m
8.1.2 POOR AND ULTRA POOR PROGRAM

IDF started its journey with this program from a small para (sub-village) of Bandarban Hill District 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.
Particulars
Up to 2006
In 2007
Up to 2007
No. of Branch
49
2
51
No. of Member
62,104
5057
67161
Loan disbursed
2640.81m
223.54m
2864.35m
Loan outstanding
305.22m
81.87m
387.09m
Repayment Rate
99.95%
99.92%
99.92 %
Amount savings
159.53m
25.5m
185.03m
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 2007 are presented below:

• No. of member : 1,291
• Loan disbursed : 14.03m
• Loan outstanding : 4.31m
• Rate of repayment : 100 %
• Amount of savings : 1.03m

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
• 90% attendance in the weekly/ fortnightly meeting
• Proper utilization of previous loan (100%)
• Good track record of business
• 10% of the proposed loan are accumulated in her savings account
• Willing to participate at least 10% of the investment in the enterprise
• Cooperation and involvement of family members in the enterprise
• Regular deposit in savings account
• Willingness to attend monthly cluster (20 members) meeting

Loan terms

• Working Capital : 01 year
• Fixed Capital : 02 years

Loan repayment conditions


• 1 month grace period
• Weekly installment
• Fortnightly installment
• Monthly installment

Risk Insurance

• Premium: 1% of the disbursed amount
• Risk coverage: 20% of the disbursed loan in case of the damage of the activity due to natural disaster.

Status as on 31 December 2007
Particulars
Up to 2006
In 2007
Up to 2007
No. of Branch
28
15
43
No. of Member
617
219
836
Loan disbursed
80.60m
61.69m
142.29m
Loan outstanding
20.22m
5.43m
25.65m
Repayment Rate
100%
100%
100%
Amount savings
4.27m
2.59m
6.86m

Table 2: Growth Trend: Member, Area and Savings

Sl. No.
Component
Up to 2001
2002
2003
2004
2005
2006
2007
01.
Member (by year)
26,411
6,581
61,06
6,196
7,722
9,765
5412
02.
Member (cum.)
26,411
32,992
39,098
45,294
53016
62,781
68,193
03.
Group (cum.)
5,626
7,099
8,425
10,048
11,874
13,842
16957
04.
Centre (cum.)
1,113
1,386
1,640
1,935
2,273
2,668
3016
05.
Branch (cum.)
25
27
31
37
43
49
51
06.
Union (cum.)
111
115
120
125
135
140
142
07.
Upazila (cum.)
28
33
33
34
34
34
36
08.
District (cum.)
5
5
5
5
6
7
7
09.
Savings (by year)*
12.26
18.14
20.76
27.30
26.16
40.08
27.67
10.
Savings (cum)*
31.79
49.93
70.69
97.99
124.15
164.23
191.90
11.
Average Savings (cum.)
1,204
1,513
1,808
2,163
2342
2792
2814
               Chart 1: Growth of members and borrowers by year        Chart 2: Growth of savings by year
Table-3: Growth Trend: Loan operations
Sl. No.
Component
Up to 2001
2002
2003
2004
2005
2006
2007
01.
No. of Loans (by year)
30,100
31,491
40,470
49,897
56329
64,423
35649
02.
No. of Loans (cum.)
104,186
135,677
176,147
226,044
282,737
347,160
382809
03.
Borrower (cum.)
24,619
31,003
36,580
42,144
49,854
58,445
63176
04.
Loan disbursed (by year)*
146.84
202.54
248.50
337.52
433.02
561.79
763.89
05.
Loan disbursed (cum.)*
398.87
601.41
849.91
1187.42
1620.44
2202.23
2966.12
06.
Loan due (by year)*
125.41
174.02
212.56
303.61
385.26
485.85
680.45
07.
Loan due (cum.)*
313.94
487.96
700.52
1004.13
1388.99
1874.84
2555.29
08.
Loan realized (by year)*
125.27
174.02
212.41
303.56
384.77
486.27
678.44
09.
Loan realized (cum)*
313.75
487.77
700.17
1003.73
1388.50
1874.77
2553.21
10.
Loan outstanding (by year)*
21.56
28.52
36.10
33.96
48.24
95.52
85.44
11.
Loan outstanding (cum.)*
85.12
113.64
149.74
183.70
231.94
327.46
412.90
12.
Loan overdue (by year)
138,000
4,300
155,800
50,300
80,600
43,800
16,36,500
13.
Portfolio at risk > 30 days
193,900
198,200
354,100
404,400
485,000
441,200
20,77,700
14.
Average Loan size
4,878
5,837
6,140
6,764
7,687
6,343
7748
15.
Average outstanding (cum.)
3,458
3,665
4,093
4,359
4,653
5,837
6,535
16.
Rate of repayment (by year)
99.87%
99.99%
99.93%
99.96%
99.96%
99.98%
99.92
17.
Rate of repayment (cum.)
99.94%
99.96%
99.95%
99.96%
99.96%
99.98%
99.92
                     Chart 3: Growth of loan disbursement by year     Chart 4: Growth of loan outstanding by year
Table-4. Growth Trend: Financial
(Figure in million Taka)
Sl. No.
Particulars
Up to 2001
2002
2003
2004
2005
2006
2007
A.
CAPITAL FUND
01.
Capital Fund / Equity
29.62
34.43
42.76
55.29
73.00
93.04
113.78
B.
INTEREST RATES
02.
Rate of Service Charge
12%
12%
12%
12%
12%
12.5%
12.5%
03.
Inflation fee
5%
5%
5%
5%
6%
6%
6%
C.
INCOME
04.
Service Charge income from clients
12.25
23.06
33.06
42.00
53.83
64.73
91.49
05.
Other income
0.77
0.36
0.27
1.12
2.10
1.52
1.73
06.
Total income
13.02
23.42
33.33
43.12
55.93
66.25
93.22
D.
NON-NINANCIAL EXPENSES
07.
General operating Expenses (Salaries, rents, utilities, cost of fund etc.)
12.90
16.80
20.75
27.96
35.11
44.11
54.48
08.
Depreciation on fixed assets
0.43
0.75
0.64
0.99
0.97
0.13
1.15
09.
Loan loss provision expenses
0.65
0.84
2.00
1.91
2.12
2.20
3.70
10.
Total Non Financial Expenses
13.98
18.39
23.39
30.85
38.20
46.44
59.33
E.
ADJUSTED FINANCIAL EXPENSES
11.
Adjusted Financial Expenses (line- 1 multiplied by line-3
1.48
1.72
2.14
2.76
3.65
5.58
6.82
12.
Total Expenses (Line-10 plus line-11)
15.46
20.11
25.53
33.62
41.85
52.02
66.15
13.
Operational self Sufficiency (OSS) (Line-6 divided by line-10)
93%
127%
142%
140%
146%
142%
157%
14.
Financial self Sufficiency (FSS) (Line-6 divided by line-12)
84%
116%
130%
128%
131%
127%
140%
                     Chart 5: Growth of Capital Fund by Year     Chart 6: Growth of Income & Non financial Expenses

Chart 7: Self Sufficiency status by year

Table-5. Loan by Purposes (2001-2007)
Sl. No.
Purposes
2001
2002
2003
2004
2005
2006
2007
01.
Farming
17.18
19.84
16.85
12.05
14.41
15.21
9.64
02.
Cow rearing
16.19
15.60
13.83
11.75
10.05
7.92
9.80
03.
Goat rearing
2.67
2.54
2.37
2.22
1.00
1.08
1.95
04.
Beef fattening
3.68
6.28
5.23
5.81
8.26
7.55
7.03
05.
Pig rearing
1.54
1.28
1.53
2.12
1.22
1.46
1.48
06.
Poultry
2.49
3.95
3.99
4.82
4.31
3.67
5.12
07.
Home Gardening
1.40
0.48
0.69
0.87
0.91
1.09
1.35
08.
Fruit gardening
1.62
1.02
1.73
1.80
2.05
1.15
1.49
09.
Nursery
1.68
0.83
1.96
1.32
1.11
1.02
1.47
10.
Handicrafts
3.50
1.90
3.25
3.17
3.98
3.14
3.36
11.
Garments/Tailoring
3.86
3.41
4.21
4.50
3.19
2.47
3.51
12.
Fisheries
0.78
2.60
3.06
3.07
3.65
3.75
9.43
13.
Housing
1.13
1.22
0.98
0.68
0.61
1.66
1.23
14.
Water Sanitation
0.83
0.58
0.98
0.71
0.82
.80
1.77
15.
Local transport
5.62
8.75
7.98
12.31
9.40
7.66
9.28
16.
Small Business
35.83
29.74
29.18
28.48
29.21
37.36
27.60
17.
Micro Enterprise
-
-
2.18
4.32
5.82
3.00
4.50
  Total (%)
100.00
100.00
100.00
100.00
100.00
100.00
100.00
8.2 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. A UNICEF/IDF survey of selected villages of Bandarban Sadar in 1996 shows that about 95% households had no sanitary latrine and almost all rural households did not have access to safe water.

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.


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: 2
Satellite health centre: 14
Regular health centre: 3

• clinical services: 2034 patients in 2007
• outreach services: 17,886 persons


Training Provided

• HIV/AIDS/STI (Basic and Refreshes)
Sex Worker : 323 Persons
Transport worker: 250 Persons
Multilevel: 25 Persons


8.3 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 Tk. 50 to 250.

Conditions and amount of grants.

Particulars
For member
Family member
Death
1st & 2nd loanee
Tk. 500+ Outstanding loan amount, maximum of Tk. 5,000
Up to Tk. 1,500
3rd loanee & above
Tk. 500+ Outstanding loan amount, maximum of Tk. 5,000
Up to Tk. 2,000
Health
1st & 2nd loanee
Up to Tk. 1,000
Up to Tk. 1,000
3rd loanee & above
Up to Tk. 1,500
Up to Tk. 1,500
Grants Distributed (in Taka)
Particulars 2007
Cumulative
Grants for Treatment
No. of Person
1979
9831
Amount
1,260,837
7,258,900
Grants for Death
No. of Person
516
3414
Amount
1270820
6,688,600
Total
No. of Person
2495
13,245
Amount 2,531,657
13,947,500

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

• To raise awareness on eye care and blindness among the common poor people of the remote areas of    CHT, Chittagong and Cox’s Bazaar district;
• To provide primary diagnosis, treatment and referral support;
• To provide medical services at nominal cost to the poor;
• To prevent eye diseases from maiden period and provide services at the grass-root level.


Progress: 2007

01. Awareness on primary eye care
: 14,444
02. Diagnosis & referral service
: 233
03. Primary Treatment to
: 723
04. Cataract operation to
: 25
05. Glaucoma treatment to
: 10
06. Corneal Ulcer treatment to
: 12
07. Refractive Error treatment to
: 15
08. Traumatic Injury treatment to
: 10
09. Other problem treatment to
: 03

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 Chittagong Hill tracts (CHT), this project will continue to June 2010. IDF supported HKI to conduct a baseline survey in the project areas of the basis of a simple.

Objectives of the Program:

• To enable NID program to reach all eligible children aged 9-59 months.
• To minimize 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 in Thana Health Complex.


SL No
District
D.C.O
Volunteers
Village
Family
0-11 months children
12-59 months children
1
Khagrachori
8
105
419
18323
1205
17756
2
Rangamati
4
65
289
16960
1730
9095
3
Bandarban
4
69
263
5244
1049
5428

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 most under privileged children of the socity.

Progress:

1. Educational materials and health services to all children.
2. Skill Development Training to 300 hazardous child labours.
3. Enrolled and provided no formal education to 300 child labour.
4. Providing non formal education to 630 students through 21 centres.


IDF runs additional 10 child development centres with assistance of Sida.

8.7 AGRICULTURE

Started in 1997

Objectives:


• To educate, encourage and support hilly and other poor people on improve variety and method;
• To educate, encourage and support homestead food production program, nursery, seed production and    plantation


Progress:

1. Established 1 Central Nurseries, 2 office nursery, 100 Village Model Farm 3,800 Homestead Gardens.
2. Provided technical and financial support to 185 marginal farmers.
3. 110kg Maize seeds distributed to 40 farmers.
4. Provided training to 375 farmers on improved farming technology.
5. 832kg of various vegetable seeds have been distributed among the farmers and Nurseries
6. 40 farmers are provided training on hybrid maize cultivation and 110kg. of hybrid maize seed are     distributed.
7. 80,000 saplings have been produced in the central nursery.
8. Implementing Homestead Food Production Program (HFPP) in 4 project areas. i.e Lama, Kaptai,          Manikchari and Matiranga in Chittagong Hill Tracts areas.
9. Seeds, medicines, farming equipments, poultry birds and other technical support have been provided to     the farmers.

Achievements in 2007

Training for Village Model Farmers (VMF)
Person
Basic training on nursery & model poultry farm establishment-
100 person
Refreshers training on nursery & model poultry farm establishment-
60 person
Training on micro-entrepreneurship-
50 person
Training for Group Leaders (GL)
Basic training on Nutrition Education-
180 person
Training for Household Members (HH)
Basic training on Homestead Garden establishment-
4,000 person
Refreshers training Homestead Garden establishment-
2,400 person
Basic training on Poultry Rearing-
3,680 person
Refreshers training on Poultry Rearing-
1,420 person

Inputs and equipments Distribution

Seeds and other inputs for VMP, GLs, HHs, Person Amount
Person
Quantity
Seeds for Village Model Farmer
100 Person
200kg
Seeds for Group Leader’s Demonstration Gardens
170 Person
150kg
Seeds for Households Homestead Gardens Establish
3,450 Person
482kg
Distributions of Chick/birds for Village Model Farms
92 Person
920 pieces
Distributions of Chick/birds for Group Leaders
165 Person
825 pieces
Distributions of Chick/birds for Household members
3003 Person
15015 pieces
Procurement of debeaking machine, vaccine, Syringe, Flask, etc.
50 Person
50 Person
Establishment of Chick Rearing Units-8 nos/thana
69 Person
69 Person
Distributions of Deworming tablets
972 Person
972 pieces
Distributions of Nepier, fooder cutting, etc.
503 Person
2515 pieces
Distributions of different materials and signboard for VMFs
92 Person
92 pieces
Installation of Pump for village model farms (VMF)
59 Person
59 pieces
Organizing of Cooking demonstration at VMF level
75 Person
75 Person