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Programs & Service
Job's of IDF
Annual Report
 Plan & Budget
 
Annual Report 2015

Health, Water and Sanitation

In order to provide health services and safe water to Hill Tracts people particularly in remote hill areas, IDF started this program in 1995 with the assistance of Sida in Chittagong Hill Tracts and gradually expanded this service to all areas covered by IDF.

IDF developed this program during the past years. IDF implements this program through medical officers (MBBS), paramedics, health workers and health agents at centre level.


Health agents are provided training on common diseases, primary health care, reproductive and child health, safe water and sanitation, HIV/AIDS and eye care. Health agents provide health related counseling to the members and report any illness or sickness of members or their family members to the branch managers who immediately visit the sick person and take necessary action for treatment. The health workers work under the supervision of Area Manager or Branch Manager depending on the place of posting.

 
 
In 2015, IDF recruited 30 paramedics and posted them at the branch level so that all the customers and their family members receive health services.

IDF is also piloting a scheme to see whether full health support including doctor’s check up, medicines and transport allowance could be provided to the customers and their family members with the existing premium.

Objectives


Make the poor people aware of health problems and the causes of common diseases.
Provide health services to IDF members and their families.
Facilitate access of the poor people to health services, safe water and sanitation.
Make the people conscious about the safe motherhood and child health.
Develop skilled qualified, well trained paramedics and health agents.

In order to achieve the above objectives, IDF runs health insurance program and covers the health risks of all family members of IDF. IDF has one paramedic for two branches who provides both preventive and primary health care services to customers and their family members.

Paramedics Service: IDF appointed 30 additional well-trained paramedics in 2015 in order to ensure quality counselling & treatment facilities to IDF customers. Paramedics get all support from Area & Branch Managers. All centres have elected health agents who got training on primary health care. Health agents work in her area under the guidance of paramedics and medical officers.


IDF operates 15 satellite and 2 regular health centres. People get free regular paramedic service and MBBS doctor’s service once a week. In health centre the members and dependents get regular free doctor service, free medicine and some basic tests. Members get cash money to buy health services where IDF does not have any health centers. Table 14 below shows the number of patients served by health centres and paramedics in 2015.


Table 14: Number of patients served in 2015


Name of Health Centre
No. of patients
Health Centre – 1
2,735
Health Centre-2
427
Served by Paramedics at different Branches
10,934
Total
14,096


Apart from health centre and paramedics services at the branch level, IDF organized health and eye camps regularly. The Table below shows the patients served in health and eye camps in 2015.

Table 15 : Patients served through different camps in 2015

Type of Camp
No. of program
No. of patients received health service
Eye Camp
4
1,018
Health camp
8
1,019
Static Camp
121
2,868
Satellite Clinic
539
3,253
Total
672
8,158

Emergency Fund (Micro Insurance)

Introduction

Immediately after launching credit program in 1993, IDF observed most of the members and their family members suffer from various common diseases and spend a lot of money for medical treatment. Most cases they use money from their business or borrow from money lenders which makes their economic situation worse. Group members requested to find some solutions/safety nets to this problem during the group discussions back in 1994-95. Serious discussions were made with group members and field staff for about a year and finally the discussions came up with the idea of forming “Emergency Fund” to address this issue.

“EMBERGENCY FUND” was finally created with joint contribution of IDF and group members contribution in 1997. The main purpose of this fund was to support group members and their families in case of sickness or death. This program was finally launched in October 1997. IDF later created “Risk Fund” for damages or losses of projects undertaken by the group members with loans. IDF also explored the possibility of getting micro-insurance services to cover these risks from the insurance companies and revealed that the insurance companies were very expensive and not affordable by the poor.

Methodology


IDF uses its branch and the network of health program to implement its micro-insurance program. IDF reaches its clients through its branches. One paramedic/ health worker is assigned in one/two branch to provide health services to members and their spouses and children. The paramedics also assess the application for insurance claim and supervise the disbursement of claims.

The members can pay the premium in one or more installments. The premium is collected by the loan officers along with loan installments during the centre meeting.

Diagram: Institutional Structure



In case of any claim for sickness, death or disaster of an activity damage; the client informs respective field organizer who along with branch manager investigate the case. The branch manager is authorized to pay a certain portion of the claim for immediate use in case of sickness and death. The remaining claims for medical treatment or death are settled after the approval of the approving authority. In case of activity damage, the total claims are paid in one installment after the approval of the approving authority.

Components

IDF micro insurance scheme has 4 components.

These are:

i) Health;
ii) Death (Life);
iii) Risk Insurance (Damage/loss of activities) and
iv) Cattle.


Diagram: Components of Insurance Scheme



a) Health and Death Insurance


In 2014, IDF has brought some changes in line with PKSF insurance schemes. Accordingly, some revisions on premiums and coverage are made. These details are presented below:

Premium and coverage:

1. Health

1.1 Premium: Members receiving loans up to Tk. 25,000 per year, pay Tk. 152 per year. Members pay 0.6% of the loan amount as premium if the loan amount exceeds Tk.25,000.


1.2 Coverage: The spouse and children are insured under this scheme. A maximum amount of Tk.2,000 is paid for the treatment in each case. In case of hospitalization, the claim is estimated on the basis of expenses of public hospital. IDF medical officer examines each case before the approval.

2.0 Death


2.1 Premium: Members pay Tk.40 for funeral support and 0.7% of the loan amount for the risk coverage of all outstanding loans.

2.2 Coverage: In case of the death of a member or spouse, the entire outstanding loan amount is paid and the deceased family immediately gets Tk.5,000 for funeral.

Diagram: Coverage
 


b) Risk Insurance

Premium: The member pays 0.5% of the loan money as premium to cover risks of projects under this scheme.

Coverage: If, the insured project suffers a damage or loss, the member gets a maximum 50% of the loan money depending on the extent of damage. The coverage will be increased gradually depending on the size of fund.

c) Live Stock Insurance

Coverage: In case of death of livestock entire amount of loan outstanding is paid from the fund.

9.4.4 Present Status

The members found micro insurance as an important tool for their protection against diseases, death, damage or losses of activities and work as safety-nets against accidents and disasters.


Table 16: Various claims met as of December 2015

Component
No. of claims met
Amount paid in BDT(m)
Upto 2014
In 2015
Upto 2015
Up to 2014
In 2015
Up to 2015
Health Insurance
49,189
10,575
59,764
36.66
5.59
42.25
Life Insurance
8,168
683
8,851
32.13
2.54
34.97
Risk Insurance/Cattle
164
107
271
1.48
1.08
2.56
Total
57,521
11,365
68,881
70.27
9.21
79.78
 
EYE CARE

Facilities for eye care are almost rare in rural area though eye problem is very common there. 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 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) and CEITC (Chittagong Eye Infirmary Training Centre). CEITC provides training to IDF health workers on eye care. CEITC provides treatment including surgery to poor patients referred by IDF. IDF is continuing this activity as a regular program with CEITC after the completion of project in 2006. IDF organized 4 eye camps in 2015.

Objectives

• Raise awareness on eye care and blindness among the common people;
• Provide primary care, treatment and referral support;
• Arrange surgery services at nominal cost to the poor;



The services provided in 2015 are shown in table 17.

Table 17: Eye related services and activities in 2015


Nature of Services
Number
Up to 2014
In 2015
Up to 2015
01. Operation
79
20
99
02. Treatment
959
560
959
03. Refractive Error treatment
353
50
403
04. No. of Health Education Session
8,721
560
9,281
05. No. of Staffs/Health agents training
43
18
61
06. No. of Beneficiaries training
867
120
987
07. No. of Participant on Beneficiaries training
20,977
3,350
24,327

NON-FORMAL EDUCATION

IDF has been implementing this component since 1994. The main objectives of this program are:

Objectives

• Raise awareness on child rights and education;
• Provide basic education (read, write and count) to poor children who are dropped-out;
• Provide tuition support to poor student to prevent drop out.

IDF runs two types of education centre. In one type education is provided up to class II level and in other type, tuition services are provided to the students to prepare school lessons for the following day. Free education materials including books and writing materials are providing to the students.

The present status of the program is shown in Table 18.

Table 18: Status of Non-formal Education in 2015



Components
In 2015
No of Center
86
No of Students
2,036
No of Teacher
86
No. of Supervisor
4


AGRICULTURE, LIVESTOCK & FISHERY

Agriculture, Livestock and Fisheries are the major areas of income generating activities of IDF group members. Chittagong Hill Tracts has immense potentials of employment generation in these sectors. IDF has been giving special focus on these areas since its inception. IDF initially got support from Sida to integrate agriculture with micro-credit in 1996. HKI joined IDF in1998 to support in the fields of home-gardening, vegetable, fruits gardening and poultry raising by using improved methods. IDF created a separate department to provide services in these sectors through professional staff and extension workers. The structure of this department is as follows:




The progress of activities under this department in 2015 is presented below:

Agriculture


The main purpose of initiating this program was to help the tribal jhum cultivators in CHTs to transform their traditional practice into improved one. Other activities like home- gardening, fruits gardening, seed production, nursery, organic food production, value chain development for safe food, spices production and processing, production of vermi-compost, pheromone trap and establishment of a residential agriculture training centre with demonstration farm are remarkable activities in 2015.

Present Status

The present status and the progress in 2015 are as follows:

i) Central Nursery -
1
ii) Office Nursery -
2
iii) Village Model Farm -
344
iv) Home gardening -
125
v) Vermi-compost plant -
65
vi) Pheromone trap -
27
vii) Demonstration farm using Guti urea -
4

Activities in 2015

3 training on Modern Agriculture Technology for 75 farmers.
5,800 persons received agriculture advice through Agriculture Advice Centres.
Organized 6 exchange visits for 240 farmers to see application of Agriculture Technology Transfer for 240 farmers.
Conducted 2 knowledge workshops for staffs.
Training on storage of seeds in Maria Model for 30 farmers.
Supported 142 farmers to establish improved homestead gardening and 2 farmers to establish nursery.
Distributed 1,200 medicinal plants, 400kg turmeric and 200kg ginger seed, 900 forest plants and 600 fruit seedlings in 2015.


Livestock & Poultry

The Livestock team completed a number of activities on Livestock and Poultry in 2015. These are mainly on beef fattening, Red Chittagong Cattle (breeding, rearing and fattening), goat rearing, poultry birds rearing, animal health, vaccination etc. The details activities completed in 2015 are as follows:

i)
4 training on goat rearing using scaffold method for 100 persons.
ii)
2 training on Dairy cows and beef fattening for 50 persons.
iii)
1 training on Layer and Broiler rearing for 25 persons.
iv)
3 training on Vermi-compost production for 75 farmers.
v)
Established of goat demonstration farms in 85 poor families and 140 ultra poor families.
vi)
Established dairy demonstration farms in 132 farmer’s families.
vii)
Established of beef fattening demonstration farms in 113 farmer’s families.
viii)
Established of vermin-compost pit demonstration in 77 farmers houses.
ix)
Established Layer farm demonstration in 8 families.
x)
Established Broiler farm demonstration in 8 families.
xi)
Established Buck centre in 4 beneficiaries
xii)
Established 1Quail rearing farm in 1 family.
xiii)

Established 1pilot dairy farm which includes night shed, day shed, heifer and calf shed, vemi-compost pit, grass cultivation field etc.
xiv)




Black Bengal Goat: Black Bengal goat is a local breed. IDF has been focusing on promoting this amongst the IDF members. In 2015, IDF provided Tk.8.0 million loan to 445 farmers for in addition to various technical supports such as vaccination, antihelmentithes, establishment of scaffold, repair of house, balance diet and medication. IDF has been running a demonstration breeding centre in Khagrachari which is used for training and supplying mother goats to farmers.
xv)


Red Chittagong Cattle (RCC): IDF has started a research project on the ‘Preservation, Development and Expansion of Red Chittagong Cattle’ and thereby generating sustainable income and employment opportunity for the poor people with the technical and financial assistance of Palli Karma-Shahayak Foundation (PKSF) in November 2014.

Red Chittagong cattle are one of the renowned varieties of cattle livestock in the world. It is indigenous and most potential type of domestic animal genetic resource in Bangladesh. It is one of the improved and promising varieties of cattle in the country. This variety is now at the stage of extinct. It is mainly originated in the greater Chittagong district of southern Bangladesh. It is found throughout the district, especially in Satkania, Anawara, Raozan, Hathazari, Chandanaish and Patiya upazilas.

RCC differ from other indigenous breeds by their red coat color. The color is deep red to light brick-red to yellowish red to whitish red. The color of other parts of the body like horn, hoof, ears, eyeball, eyebrow, vulva and tail switch are also red. The other special features of RCC are:

Special Feature

1.
Immune of RCC is much higher than the other variety of cattle.
2.
Breeding and rearing of RCC are not expensive. Farmers can rear it in local environment with local feeds.
3.
Good reproductive performance (one calf per year).
4.
Fat contents in meat is lower than the other variety of cattle.
5.
The average lactation length of RCC 242 days.
6.
Lactation milk yield 960-1450 liter.
7.
Daily milk yield 4-6 liter.
8.
Average weight at birth 15 kg.
9.
Weaning weight 47.04 kg.
10.
Age at weaning is 8 months.

Objectives

Preserve and protect this variety;
Develop and expand RCC in the country;
Provide practical training to people on RCC;
Establish Demonstration Farm;
Supply pure variety of RCC to farmers;
Generate sustainable income and employment for the poor;
Meet the demand of milk in the country.
Create a quality parent stock.
Provide technical and financial support to people for rearing RCC.
Establish an Institute on RCC in the long-run.

Present Status

Established a Demonstration Farm with one of maternity shade, one training room, one store room, machinery room, one A1-Chute, one labour room and one quarantine.
Demonstration farm has 20 Red Chittagong Cattle.
Cultivated improved Napier grass in 2 acres of land.
Established 2 vermi compost production units.
Project has 1 University graduate in Livestock, 1 Para vet and 3 workers and part time trainer and researchers from the Government Department and veterinary University in Chittagong.
Provided training to 50 people.

The Project has increase potential of meeting nutrition deficiency through supplying milk and meat. It will contribute in the economy through generating sustainable employment and income for the poor families. IDF has plan in the long run to establish an Institute on RCC.

Fisheries:


Fisheries officers of IDF are meeting with fish farmers at the remote areas and providing various types of suggestions on modern fish farming, ponds digging, fish feed etc.

The following activities were completed in 2015 under Fisheries Department:


1.
Conducted 2 training for transfer modern production technology of carp-mola, carp-shrimp, carp-telapia poly culture to 50 farmers.
2.
20 farmers established 20 demonstration of carp-telapia poly culture
3.
6 customers established 6 demonstrations of Carp-Shing-Magur-Tangra poly culture
4.
5 customers established 5 demonstration of Vietnam koi monoculture.

Integrated Farm

Integrated Farm, Matiranga, Kharachari is a pilot project of IDF. The Farm was established in 2009 in the village Rasulpur of Matiranga Thana in Khagrachari District. The main purpose of this pilot project was to see whether sustainable improvement of livelihood of hilly poor people through integrated farm is possible. The total area of this farm is about 40 acres consisted of hills, lakes and plains. The farm has various fruit trees, herbal plants, fish culture, paddy cultivation, ginger and turmeric cultivation, vegetable cultivation, beef fattening and goat rearing, bee keeping, goat rearing, nursery and milk cow rearing.

Around 35 types of fruit trees are planted in 20 acres of land and various kinds of herbal trees are planted in 1 area of land in the farm. A total of 8,800 trees are planted. In 2015, turmeric and vegetable are cultivated in 3 acres of land. Beside, sheds and other structures are made for cattle and goat in 2015. For fish culture, small dams are made to create water body.

At present 1 supervisor, 1 farm manager, 2 permanent workers and 8 part time workers are working in the farm. The status of the farm in 2015 is presented in Table 19.

Table 19: Status of Integrated Farm in 2015

Sl. No.
Description
Implementation up to 2014
Implementation
in 2015
Cumulative
Agriculture activities
1
Fruit Trees
7,480
820
8,300
2
Forest/Wooden Trees
1,600
300
1,900
3
Herbal Trees
1,532
100
1,632
4
Various spices Trees
600
300
900
5
Home Garden
-
1
1
6
Nursery
1
-
1
7
Agriculture Training Centre
-
1
1
Fisheries
Fish Farm in small lake
3 acres
3 acres
6 acres
Fishery Ponds
2
-
02
Live stock
RCC
5
7
12
Black Bengal breeding centre
1
-
1


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