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880-2-9005452, 9014933

Basic training on nursery & model poultry farm establishment	: 100 persons
Refreshers training on nursery & model poultry farm establishment	: 60 persons
Training on micro-entrepreneurship	: 50 persons
Basic Training on Nutrition Education	: 178 persons
Basic Training on Homestead Garden	: 4,000 persons
Refreshers training on Homestead Garden	: 2,400 persons
Basic Training on Poultry Rearing	: 3,860
Refreshers training on Poultry Rearing	: 2,340
Basic Training on Gender Awareness	: 620
Establishment and Installation
Group Leader’s Demonstration Garden	: 150
Village Model Farm	: 100
Chick Rearing Units	: 8
Homestead Garden	: 3,800
Water pump for village model farms	: 15

Inputs and Equipment Distribution

• Seeds for VMP for seeds. seedlings and saplings production-100
• Seeds/seedlings saplings for GL’s Demonstration Gardens- 170
• Seeds/ seedlings saplings for HHs for establishing Homestead Gardens- 3,800
• Chick/birds for village Model farms-100
• Chick/birds for Group Leards-200
• Chick/birds for Household members-3,800
• Debeaking machine vaccine. vringe Flask. etc.-75
• Chiek Rearing Units-8 nos/thana-60
• Poultry case for earrving birds-
• Deworming tablets-1,200
• Nepier, fooder cuttings. etc-766
• Different materials and signboard for VMF-100
• Pump for village model farms VMF-82
• Cooking demonstration at VMF level-90

8.10 SKILL DEVELOPMENT

IDF provides various types of training to its members for enhancing their functional skill 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 skill 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 woman…
• To raise awareness on woman rights.

Progress:

• EDBM Training: 4
• Woman entrepreneurs participated in EDBM workshop:92

8.11 HOUSING

IDF undertook this program in 2004 with the assistance of Grihayan Tahabil, Government of Bangladesh. The main objective of this program is to provide support to the poor people who are not capable of making safe with sanitation and water facility. The progress of this program is described below.

Progress

Particulars	2007	Cumulative
1. No. of houses		300
2. Total amount disburse		60,00,000
3. Total amount repaid	225400	4496200
4. Total amount outstanding	2254400	1503800

Source of Fund:

Grihayan Tahabil, Bangladesh Bank	2007	Cumulative
1. Total Amount received from Grihayan Tahabil-	-	60,00,000
2. Total amount repaid	8,87,060	46,86,111
3. Total amount outstanding	8,87,060	13,13,889
4. Interest paid to Grihayan Tahabil	22,232	2,31,186

8.12 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, saving and credit management through 10 Child Right Development Centers.

Achievements

The Achievements of project activities in 2007 are presented bellow by its components.

Component-1: Training on governance and democracy

• Preparation of training manual - 1
• Headman - 21
• UP Chairman - 6
• Karbaries - 61
• UP members - 148

Component-2: Training on land rights and ownership, democracy and legal support.

• Preparation of training manual - 3
• Landless poor - 439
• Heads of displaced families - 50
• IGA Training - 50

Component-3: Rehabilitation of tribal displaced families.

• Heads of displaced families - 50
• Provide soft Credit - 49

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 - 4
• Training on STI/HIV/AIDS - 23 person
• Procurement/Production of Training Materials
• Training Manual on STI/HIV/AIDS - 8000
• STI Album - 5
• STI managements - 349

• Worlds AIDS Day Observation on 31st December 2007 – Observed
• Clinical and medical services 2034
• Awareness and counseling through one to one session 17886
• Group sessions for health education 1031
• Condom demonstration 1268
• Condom sold 902

Component-5: Child Rights and Development

• Establishment of Child Rights and Development 10
• Distribution
• Books 900
• Note book 1200
• Sharpener 1230
• Pencil 1230
• Vitamin A 60

• Primary Health check 2 times
• Art competition 1 time
• Conduction examination 2 times

8.13 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

1. To provide support to the children of poor families, particularly IDF members to get access to education
2. To contribute to human resources development of the country.

Eligibility

1. Children of grade 3 to undergraduate of IDF poor clients.
2. At least 60% marks in the last annual exam in case of class iii-x.
    - A in case of tribal and a in case of non-tribal for SSC, HSC and undergraduate levels.

Fund Formation

• Income from
• GFUSA Award Money
• GFUSA grants
• IDF contribution
• Others

Selection Procedure

a. Scholarship Committee selects new students for and renewal of scholarships
b. Primary identification and application are received by branch manager with the help of field organizations.
c. 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	No.	Amount/month
III-V	120	100.00
VI-VIII	90	150.00
IX-X	50	175.00
XI-XII	40	300.00
undergraduate (4years)	20	600.00

Scholarship Provided in 2005-07
Scholarship provided per student per month

Year	No.	Class	Amount
2005	11	XI	300.00
2006	19	XI	200.00
2006	11	XII	300.00
2007	10	III-V	100.00
2007	09	VI-VIII	150.00
2007	05	IX-X	175.00
2007	01	Diploma	300.00
2007	35	XII	300.00

One time scholarship provided in 2005-06

Year	Class	No.	Amount
2005	HSC	15	15,000
2006	HSC	20	20,000
2007	SSC	20	20,000

Total scholarship (Regular)

Year	Class	No.	Amount
2005	HSC-I	11	39,600
2006	HSC-I	19	45,600
2006	HSC-II	11	39,600
2007	XIII-III	60	14,025

8.14 AUTOMATION

IDF started automation of MIS and FIS both at branch and head office levels in March 2007 with the assistance of Grameen Foundation USA. Technical Committee Consisted of GFUSA and IDF selected Southtech limited as the Implementation parten of this program. As of December 2007, IDF completed automation in 17 branches and plans to complete remaining branches by March 2009.

8.15 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.

8.16 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 2007, with the collaboration of Chittagong South Forest Department, 175 beneficiaries were provided training on social forestation and 50,000 various saplings were distributed among them plantation on 175 hectors of garden. IDF itself also produced 149,000 saplings through 1 Central Nursery and 1 Office Nurseries, and sold as well as distributed them under social forestation program.

8.17 GENDER PROMOTION

IDF has been working on gender issues since its inception. IDF organizes poor woman and provided training and necessary inputs for both economic and social empowerment as indicated below:

1. Woman’s access to economic resources.
2. Promotion of men and woman’s joint participation in decision-making at all levels.
3. Improvement of woman’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 2007 are shown by programs/projects and sex in Table-11.

Table 6: Staff by program and sex

SL.No.	Name of Program	No. of Staff
		Male	Female	Total
01.	• Micro Finance	325	115	440
02.	• Health, Sanitation and Water	4	0	4
03.	• STI / HIV / AIDS	13	2	15
04.	• Renewable Energy	25	0	25
05.	• Child Labour & Non Formal Education	4	19	23
06.	• Agriculture, Livestock and Fisheries	24	4	28
07.	• Human Rights Project (Sida & IDF)	12	9	21
08.	• Eye Care	5	4	9
Total		412	153	565

The staff of each individual program/project is shown below by their position and sex.

Table 6.1: Micro Finance Program

SL.No.	Designation	Male	Female	Total
01.	• Executive Director	1	-	1
02.	• Coordinator/ Deputy Coordinator	1	-	1
03.	• Assistant Coordinator	11	1	12
04.	• Senior Program Organizer	4	0	4
05.	• Program Organizer	36	5	41
06.	• Assistant Program Organizer	20	2	22
07.	• Senior Field Organizer	37	1	38
08.	• Field Organizer	203	53	256
09.	• Driver	4	0	4
10.	• Receptionist	0	2	2
11.	• Messenger	2	1	2
12.	• Guard-cum-cook	1	51	52
Total		325	115	440

Table-6.2: Health, Sanitation and Water

SL.No.	Designation	No. of Staff
		Male	Female	Total
01.	• Health Coordinator	1	-	1
02.	• Pharmacist	3	-	3
Sub Total		4	-	4

Table-6.3: STD /HIV /AIDS

SL.No.	Designation	No. of Staff
		Male	Female	Total
01.	• Medical Officer	3	-	3
02.	• DIC In-charge	4	-	4
03.	• Outreach worker	6	2	8
Sub Total		13	2	15

Table 6.4: Renewable Energy

SL.No.	Designation	No. of Staff
		Male	Female	Total
01.	• Assistant co-ordinator	1	-	1
02.	• Sub Assistant Engineer	2	-	2
03.	• Solar Technician	22	-	22
Sub Total		25	-	25

Table-6.5: Child Labour & Non Formal Education

SL.No.	Designation	No. of Staff
		Male	Female	Total
01.	• Project Coordinator	1	-	1
02.	• Project Supervisor	1	-	1
03.	• NFE Teacher	2	9	11
04.	• Child Right Facilitators	-	10	10
Sub Total		4	19	23

Table-6.6: Agriculture, Livestock and Fisheries

SL.No.	Designation	No. of Staff
		Male	Female	Total
01.	• Agriculturist	1	-	1
02.	• Agriculture Extension Worker	18	1	19
03.	• Project Officer	4	-	4
04.	• Nutrition Worker	-	4	4
Sub Total		23	5	28

Table-6.7: Poverty Alleviation through the Improvement of Rights of the Poor

SL.No.	Name of Program & Designation of Staff	No. of Staff
		Male	Female	Total
01.	• Project Director	1	0	1
02.	• Coordinator	1	0	1
03.	• Specialist in Democracy and Rights	1	0	1
04.	• Specialist in Land & Legal Matters	1	0	1
05.	• Medical Officer	2	0	2
06.	• Assistant Coordinator, Child Rights	1	0	1
07.	• Project Officer	1	0	1
08	• Accounts Officer	1	0	1
09.	• Computer Operator	1	0	1
10.	• Support Staff	1	-	1
11.	• Child Rights Facilitators	1	9	10
Sub Total		12	9	21

Table-6.8: CHT Vitamin-A Capsule Project

SL.No.	Designation of Staff	No. of Staff
		Male	Female	Total
01.	• Health assistant	1	-	1
02.	• Support staff	4	4	8
Sub Total		5	4	9

10. 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 2007.

Micro finance

i) Assistant Coordinator - 01
ii) Trainee Program Organizer - 13
iii) Field Organizer - 208

Health

i) Health Supervisor - 02
ii) Health Worker - 06

STI / HIV / AIDS

i) Medical Officer - 01
ii) Finance & Admin Officer - 01
iii) Field Supervisor - 01
iv) DIC In-charge - 04

Renewable Energy (Solar)

i) Solar Technician - 11

Agriculture

i) Agriculture Extension Worker - 1

Human Rights, Democracy & Governance

i) Specialist in Democracy & Rights - 01
ii) Specialist in Land & Legal Matters - 01
iii) Medical Officer - 01
iv) Assistant Coordinator (Child Rights) - 01
v) Project Officer - 02
vi) Accounts Officer - 01
vii) Outreach Worker - 02
viii) Computer Operator - 01
ix) Support Staff - 01
x) Child Rights Facilitator - 03

Others CHT-VAC Project

i) Assistant Coordinator - 01
ii) Data Collection Officer - 04

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 2007 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. 368 Field Organizer and 60 Program Organizer were recruited and provided pre-service training in 2007.

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 37 POs in 2007.

10.2.2 Outside Training

IDF staff members received training on various aspects from PKSF and HKI in 2007. 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. No.	Name of Training	Duration	No. of participants	Organised by
01.	Training on Gender Awareness	10-11 April, 07	-	HKI
02.	IGA Training	22/09/07-30/10/07	375	PKSF
03.	Training on Trainers (TOT)	08-12 April, 2007	01	PKSF
04.	Beneficiary Training	12-14 April, 2007	25	PKSF
05.	Beneficiary Training	16-18 April, 07	25	PKSF
06.	Beneficiary Training	22-24 April, 2007	25	PKSF
07.	Beneficiary Training	9-11 May, 2007	25	PKSF
08.	Beneficiary Training	14-16 May, 2007	25	PKSF
09.	Beneficiary Training	19-21 May, 2007	25	PKSF

11. 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 2006-June 2007. 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 2007 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 2007-June 2008 was prepared and approved through the above process. The summary of annual plan and budget of July 2007-June 2008 is attached with the report (Annex-8).

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 2007, all 51 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 2006-June 2007 and duly submitted a report. The Audit Report for 2006-07.

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