Call us:
880-2-9005452, 9014933
 
 
Programs & Service
Job's of IDF
Audit Report
 Plan & Budget
 
Annual Report 2008
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.

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.
   
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 15 years in 2008. The experience of IDF was not pleasant in 2008. The global financial crisis and high food prices in 2008 affected our members severely. The members were prioritizing food expenditures and had difficulties in repaying their loans. The organization mitigated this crisis through flexibility in savings’ withdrawal and re-scheduling the repayment of their loans whenever it was necessary. On the other hand, salaries and benefits of the staff had to increase with effect from July 2008 due to high price increase. As a result, IDF experienced higher delinquency and small growth in 2008.

Despite this adverse situation, IDF could still maintain a growth in 2008. The total increase in membership, Loan portfolio and members savings in 2008 were respectively 4,708 (6.9% increase on 2007), Tk. 1.77 million (10.73% increase on 2007) and Tk. 20.60 million (0.43% increase on 2007). The repayment rate dropped from 99.92% to 99.00% in 2008. Appropriate have been taken. The situation is expected to improve in 2009.

IDF could handle and survive the global financial crisis and turmoil in price increase in 2008 effectively. This 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, Deutsche Bank, 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 law Enforcing Bodies for their support and cooperation.

We are also greatful to our Board Members for their active support in handling the above crisis and implementing various programs. I cordially thanks our founder and life members for their active and positive role and guiding us to take appropriate measures in mitigating the crisis.

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 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.

VISION

To make Bangladesh free from poverty.

MISSION

Combating poverty in the impassable hilly regions and other un-served areas of Bangladesh for creating 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.

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.

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.

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.

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.

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.


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

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 Micro finance
1.2 Health, Sanitation and Water
1.3 Emergency Fund (Micro Insurance)
1.4 Eye Care
1.5 VAC (Vitamin A Cap.)
1.6 Child Labour & Non Formal Education
1.7 Agriculture
1.8 Improved Cook Stove
1.9 Renewable Energy
1.10 Homestead Food Production
1.11 Skill Development
1.12 Housing
1.13 Human Rights, Democracy & Governance
1.14 Birth and marriage registration
1.15 Scholarship Programme
1.16 Automation
1.17 Disaster Management
1.18 Environment
1.19 Gender Promotion

1.1 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 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
No. of Member
Loan Outstanding (Million)
Savings (Million)
2008
Cum.
2008
Cum.
2008
Cum.
Beggars
534
730
0.426
0.583
0.069
0.083
Poor & Ultra Poor
2,734
69,895
-2.347
384.743
15.849
200.879
Macro-enterprise
1,440
2,276
3.690
29.350
4.680
11.540
Total
4,708
72,901
1.769
414.676
20.598
212.502
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
Up to 2007
In 2008
Up to 2008
Branch
24
10
34
Member
196
534
730
Disbursed (m)
0.239
0.810
1.049
Outstanding (m)
0.157
0.426
0.583
Repayment Rate
100%
100%
100%
Savings (m)
0.0143
0.069
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
Up to 2007
In 2008
Up to 2008
Branch
51
2
53
Member
67161
2,734
69,895
Disbursed (m)
2,864.350
701.650
3,566.000
Outstanding (m)
387.090
-2.347
384.743
Repayment Rate
99.92%
99.00%
99.14 %
Savings (m)
185.030
15.849
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 : 1322
• Loan disbursed : 19.97m
• Loan outstanding : 3.18m
• Rate of repayment : 99.93 %
• Amount of savings : 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
Up to 2007
In 2008
Up to 2008
Branch
28
9
37
Member
836
1,440
2,276
Disbursed (m)
142.29
12.33
154.62
Outstanding (m)
25.650
3.700
29.350
Repayment Rate
100%
99.90%
99.94%
Savings (m)
6.860
4.680
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. No.
Component
Up to 2004
2005
2006
2007
2008
01.
Member (by year)
6,196
7,722
9,765
5,412
4,708
02.
Member (cum.)
45,294
53,016
62,781
68,193
72,901
03.
Group (cum.)
10,048
11,874
13,842
15,957
17,413
04.
Centre (cum.)
1,935
2,273
2,668
3,016
3,293
05.
Branch (cum.)
37
43
49
51
53
06.
Union (cum.)
125
130
135
142
146
07.
Upazila (cum.)
34
34
34
36
38
08.
District (cum.)
5
6
7
7
7
09.
Savings (by yr. in m)
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
               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 2004
2005
2006
2007
2008
01.
No of Loans (by year)
49,897
56,329
64,423
70,973
75,093
02.
No of Loans (cum.)
226,044
282,737
347,160
418,133
493,226
03.
Borrower (cum.)
42,144
49,854
58,445
63,176
65,603
04.
Loan disbursed (by year)*
337.52
433.02
561.79
763.89
755.55
05.
Loan disbursed (cum.)*
1,187.42
1,620.44
2,202.23
2,966.12
3,721.67
06.
Loan due (by year)*
303.61
385.26
485.85
680.45
680.45
07.
Loan due (cum.)*
1,004.13
1,388.99
1,874.84
2,555.29
3,340.88
08.
Loan realized (by year)*
303.56
384.77
486.27
678.44
753.79
09.
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
Table-4. Growth Trend: Financial
(Currency figures are in million Taka)
Sl. No.
Particulars
Up to 2004
2005
2006
2007
2008
A.
CAPITAL FUND
01.
Capital Fund / Equity
55.29
73.00
93.04
113.78
115.95
B.
INTEREST RATES
02.
Rate of Service Charge
12%
12%
12.5%
12.5%
12.5%
03.
Inflation rate
5%
6%
6%
6%
6%
C.
INCOME
04.
Service Charge income from clients
42.00
53.83
64.73
91.49
94.68
05.
Other income
1.12
2.10
1.52
1.73
3.91
06.
Total income
43.12
55.93
66.25
93.22
98.59
D.
NON-NINANCIAL EXPENSES
07.
General operating Expenses (Salaries, rents, utilities, cost of fund etc.)
27.96
35.11
44.11
54.48
66.55
08.
Depreciation on fixed assets
0.99
0.97
0.13
1.15
1.22
09.
Loan loss provision expenses
1.91
2.12
2.20
3.70
29.03
10.
Total Non Financial Expenses
30.85
38.20
46.44
59.33
88.80
E.
ADJUSTED FINANCIAL EXPENSES
11.
Adjusted Financial Expenses (line- 1 multiplied by line-3
2.76
3.65
5.58
6.82
6.95
12.
Total Expenses (Line-10 plus line-11)
33.62
41.85
52.02
66.15
95.75
13.
Operational self Sufficiency (OSS) (Line-6 divided by line-10)
140%
146%
142%
157%
111.02%
14.
Financial self Sufficiency (FSS) (Line-6 divided by line-12)
128%
131%
127%
140%
102.96%
                     Chart 5: Growth of Capital Fund by Year     Chart 6: Growth of Income & Non financial Expenses

Chart 7: Self Sufficiency status by year
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. No.
Purposes
2004
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
Total (%)
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. 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.

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 : 3
Satellite Clinic : 4
Drop in Centre : 5
Health Spot : 16

Clinical services

General Patient : 8,378
STD patient : 395
Eye Patient : 1,547

Training Provided

• HIV/AIDS/STI (Basic and Refreshers)

Sex Worker : 550
Transport worker: 500
Multilevel: 42

Awareness Activities in 2008
Awareness raising on common diseases, safe motherhood, water sanitation :
01.
 Health Education Session : 8,610
02.
 Staffs/ Health agents training : 4
03.
 Participant on staffs/ Health agents Training : 50
04.
 Beneficiaries Training : 4
05.
 Participant on Beneficiaries Training : 120
06.
 Courtyard Meeting : 12
07.
 Participant on Courtyard Meeting : 232

Awareness raising on STD/HIV/AIDS :
01.
 Orientation : 16,555
02.
 Health Education Session : 44,862
03.
 Participant on staffs/Health agents training : 50
04.
 Participant on Basic Peer training : 625
05.
 Participant on Refresher Peer training : 425
06.
 Staffs/ Health agents training : 3
07.
 Basic Peer training : 25
08.
 Refresher Peer training : 17


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.
• 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                            2008
Cumulative
Grants for Treatment
No. of Person
2,107
11,938
Amount
1,499,100
8,758,000
Grants for Death
No. of Person
543
3,957
Amount
1,279,800
7,968,400
Total
No. of Person
2,650
15,895
Amount 2,778,900
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
: 941
Refractive Error treatment to
: 549
Health Education session
: 8,212
Participant on Beneficiaries training
: 580
Staffs /Health agents training
: 4
Participant on Staffs /Health agents training
: 60
Beneficiaries training
: 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

Upazila
Union
Village/para
Child/Population
1. Dighinala
4
189
16,211
2. Panchari
4
220
13,489
3. Matiranga
4
144
12,047
4. Kahgrachari Sada
3
229
10,821

District- Khagrachari

Upazila
Union
Village/para
Child/Population
1. Kawkhali
4
158
9,873
2. Kaptai
4
122
10,267

District- Bandarban
Upazila
Union
Village/para
Child/Population
1. Bandarban Sadar
4
181
6,717
2. Roangchari
4
162
4,328

Achievement/coverage in 16th NID 2nd round

District- Khagrachari
Upazila
Target
Achievement
%
1. Dighinala
16,284
16,390
100
2. Panchari
7,916
7916
100
3. Matiranga
22,546
22,430
99
4. Kahgrachari Sada
6,785
6,543
96

District- Rangamati
Upazila
Target
Achievement
%
1. Kawkhali
8,457
8,451
99.92
2. Kaptai
10,064
99,20
99


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:

1. Educational materials and health services to all children.
2. Skill Development Training to 300 hazardous child labours.
3. Enrolled and provided non 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 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.
S.L
Name of District
No.
01.
Cox’s Bazar
10
02.
Bandarban
27
03.
Chittagong
 89
04.
Khagrachari
 51
 
Total
 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
2008
Cumulative
System Inst.
905
2,667
Loan disbursed
19,136,423
57,403,378
Loan repaid
9,985,941
 28,645,350
Loan outs.
9,150,482
 28,758,028