Index

BISWA
[) SOCIAL WELFARE AGENCY
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BISWA has done many things for us
I am old, and was starving
BISWA kindled the hope of life
Let BISWA live forever, for our well being
Moti Maya is a bamboo artisan of Jhankarbahali of Maneswar Block, Sambalpur. She is a member of BISWA SHG Jhankarbahali Group No.5.
She is land less and has been assisted by credit fund to pursue her livelihood, bamboo craft.
Letter from the Chairman
In pursuance of its objectives, BISWA has been implementing all its developmental programs
with an integrated approach.The focus is to bring about a positive and sustainable change
in the quality of lives of people of Orissa as wen as the neighboring state, Chhattisgarh,
which appear ,in the bottom brackets in the development index of the country. Both the
states; Orissa and Chhattisgarh are rich in heritage, in reserve of natural resources
(mines/ fertility of land/ rivers etc.) and have shown rapid development in education,
but have lagged behind in eradicating poverty, ensure availability and accessibility to
primary health care and education, enhance per capita income, ensure food security. Though lands are fertile,
the existing mechanism has failed to enhance yield rate; though resources are available, it has failed to add value
and establish linkages between maker and market and above all creating a capital base for the people to pursue
their respective livelihoods and income producing activities. The clutches of hunger, lack of education, lack of
access to hassle free finance at affordable rates and lack of exposure to a world beyond own community: all
have severally and jointly contributed to the incessant poverty of these states.
BISWA started its journey as a philanthropic organization in 1994 and two years of its close encounters with
the process of development, its complexities and demands and more over its penchant to ensure sustainability,
it shifted its focus from donation based philanthropy to generation of income, creating a sense of self reliance
in place of dependence, mobilizing the greatest resource base; the human; and inculcation of entrepreneurial
attitude in place of seeking alms. During 1996, BISWA adopted promotion of Self Help Groups, which became
effective vehicles for transmission of developmental ideas and efficient tools for implementation of programs.
Encouraging thrift and savings, extending credit at door steps, developing capacities of the members to identify
potential entrepreneurial opportunities, creating an enabling environment for entrepreneurship with due respect
to their existing skills, personal dignity and social status has helped BISWA to get closer to its vision of a just,
equitable and compassionate social order. The programs of BISWA focussing primary and reproductive & child
health, elementary education, socia,lization of leprosy cured persons, eradication of child labour practices, creation
of employment opportunities, addressing environmental issues, establishing shelter home for women in distress,
counselling, geriatric care, providing safe drinking water, establishing innovative schools, establishing common
service center for artisans, sanitation and waste plastic free environment.. combine to fulfill some aspect of
development syndrome and have been recognised by the community at large, the governments, institutions with
similar objectives and individual with similar thinking. Many organisations active in the community development
sector, including the State Governments of Orissa and Chhattisgarh, Central Government of India, institution
and friends from aborad have extended a helping hand. We are appreciative of the immense strength in the
moral, financial and technical support rendered to us in realising our vision of seeing a hunger free Orissa and
Chhattisgarh, to have created a million job opportunities over the decade. The practical problems looming large
in the basic needs sector: hunger: food security, thirst: safe water to drink, habitat: healthy housing and environment
and sex: safe and responsible sexual behaviour; need to be addressed in order to achieve a social order with
social justice prevailing and economic freedom, opportunities to chose livelihoods buttress the humane factor
Micro-finance and micro-enterprise are just the means.
The product is our vision.

Our esteemed Governing Body members
Sri Khirod Chandra Malick, Chairman. He served the State Bank of India for 26 years and retired as a Senior
Executive. He has a Master's Degree in Economics from Ravenshaw College and has a Bachelor's Degree in Law
besides a Master Degree in Business Administration. He is also a Certified Financial Analist and is a Certified
Associate of Indian Institute of Bankers.
Sri Pahelu Dip of Ghungutipada, Sambalpur has served the Government of India. Associated with BISWA since
1994. After retirement, he has devoted his time for upliftment of the downtrodden women living in the slum
areas of Sambalpur. He became the President of BISWA in 1995.
Sri Niranjan Tripathy is an eminent lawyer of Sambalpur district and is known for his deep insight into legal
matters. He joined BISWA as a member of the Executive Body in the year 1997 and became the Vice President
in the year 1999.
Jagadamba Rao, ex-member of the State Socia'l Welfare Board is an eminent social worker of Sambalpur district.
She has joined BISWA as the Vice President since 1997. Her specialization in women rights sector has benefitted
BISWA as well as the community at large.
Pitabash Sethi, the Secretary of BISWA is associated with the organization for last decade. He was inducted into
the Governing Body in the year 1999. His clear understanding of bank.ing norms, and ability to effective laisioning
is an asset for the organisation.
Ch. Bijayabati, associated herself with the organisation in the year 1999 and in the same year was inducted into
the Governing Body. She was elected as the Treasurer.
Joysree Mahanti, Executive Member and one of the prominent dr,iving force behind the organisation to bring it
into the limelight of social sector for her tender feelings for the upliftment of underprivileged in general and
empowering women in particular. Her uninterrupted support for the organisation has helped initiation and
successful implementation of the Basic Needs Program. In 2005 she became the member of the Governing Body.
Sunil Kumar Panda is a Chartered Accountant and a visionary financial manager. His timely and vaulable gUidance
has enabled the organisation to tide off its troublesome situation in the initial years. In 2004 he became theAsst
Secretary of the organization.
Rahil Sibil is an unethical women activist from tribal community. Her vision to uplift the downtrodden and taboo
infested tribal folk has ushered the the organization to become popular among her community. 1997
.
Her experience in understanding her own community and effectively link them to with the developmental activities
of the organization has placed her this coveted post as a member of the Governing Body. 1994
Though young, but found very matured in her participation in the Governing Body to provide proper direction
to the organisation in its community upliftment programmes focussing the youth and the adolescent. She was
inducted into the Governing Body in 2005
ri U A
Gratia Gopal & Smita Mohanty
Margo K Smith & James R Davis
Prakash C. & Santosh S. Kansal
Yash Pal & Saroj Kapur janoki,Venkate5'Nra1l, &'kdam Moni
Sarojini Saxena Seth MieseIs
The achievements of BISWA Samir & Smruti Parikh Mukta & Sanjeeb Mishra
Raj Mohanty The Ahuja Foundation
over the years is definitely a Hira & Shyam P. Koul Sworna Senapati
Sally Pratt Editorial Services Ajit Sharma! Lone
team work' the team consisting Jai & Raj Jaglan Sundari & Jairam Rajan
Bijan & Bijaylaxmi Rao Sourjya & Reena Patnaik
of the sympathisers. state/ Pramode & Kapila Anand
Comerica Bank
national and international Satish & Lalita Udpa Dr. Bhaskar Nayak
Padmani Karna Subhasish Tripathy
donors. the debtors. the Ramesh C. & Anjali Misra Dr. Lopa Misra
Jay R. Mahanti Dr. Sanyuktha C. Reddy
Governments local. state and Sirish C. & Sanjukta Mishra Susmita P. Laverly
Kishni Bhattacharya Raj Khanijow
central). the patrons. the staff. Alfred Green
Devendra & Urmila Pateriya
the critics and above all tye Tripti & Purusottam Jena Rani Raheja
Jhinu & Santanu Chhotray Sabyasachi & Amrita Mahapatra
community members/ the target Surendra Deb & Nibedita Mahanti Dorothea & Irving Marsden
Nirja Dhar Siddharth Das & Susmita Mahaney
groups. The Impetus given to Smeeta Mahanti A.K. & Jayashree RajgopaJ
Sanjit Mahanti Mohit Randeria & Nadini Trivedi
the wheels of progress by the Ved Prakash & Malti Agarwal
Dr. Dj & Usha Mahapatra
individuals and institutions Margie Pegram Saroj & Suniti Behera
Kula & Geeta Misra Kim Glass
mentioned here has not only Jaganath & Chitra Rath Ved V. & Rama Gosain
Marvin Sawyer Krishnamurthy & Vijaya Jayaraman
boost the morale but also have Radha & Puspa Mahapatra Miki-Soumik Kanungo
Prem & Anusuya Babu
ensured sustainability of the Padmalaya & Anup Satpathy
Madan & Gulab Lalwani
Satya & Sangita Chakrabarty

programs. Bishnu P. Rath Birendra K. & Manni Lal
Dr. Minati Pattanayak Samuel J. & Alice Meisels
Devi & Sarojini Misra Sudarshan Mishra

Dillip & Rita Mohanty Braja & Manju Mishra
The lady shown in this photo Indu Sangwan
Chandra Bhan Singh
Dhiraj & Asha Shah
in the corner wears a smile: S.D. & Joyasree Mahanti
In _o!1l2l1
broad and brilliant. It is reinforced National Bank for Agriculture & Rural Development Sight & Life. Switzerland
Entrepreneurship Development Institute of India DIAKONIA. Sweden
by the assurance of a socio Forum for Fact Finding & Documentation FV TF • Germany
Opportunity Micro Finance India Ltd. Asha for Education. USA
economic freedom. a conducive
Family Planning Association of India SEEDS. USA
environment. a compassionate Ministry of Health & Family Welfare Orissa Foundation. USA
Department of Women & Child Development•. GOI Ahuja Foundation. USA
community life; created by Ministry of Human Resources Development. GOI Niwano Peace Foundation. Japan
Ministry of Environment & Forest. GOI KZE. Germany
cooperative efforts of BISWA Mahila Vikas Samabaya Nigam. Govt. of Orissa Misereor. Germany
National Child Labour Project
and each one "enlisted here.The
Central Social Welfare Board
expression in her eyes is just State Bank of India
Ministry ofTextiles
gratia.. Kalidas & Co.
CARE India
State I Local Donors
The committment and State Social Welfare Board
Orissa Bigyan Academy
dedication of the staff members Jharsuguda Municipality
Sambalpur Municipality
of BISWA is highly significant Rourkela Municipality
Bargarh Municipality
and the spectrum would not DRDA. Sambalpur
be complete without them in DSWO, Sambalpur
Hirakud NAC
this page. Burla NAC
Contents
Letter from the Chairman
Our esteemed Governing Body Members
Gratia
About the Organisation
Our opeartional Area
Micro Finance
Micro Enterprise
Basic Needs Programme
Miscellaneous
I. Inaguration
2 Celebration
3. Meetings
4. Trainings
5. Visitors
6. Social Campaign
7. Hatibari Health Home
a Photo Features
9. Award and Acclamation
10. Organogram
II. Acknowledgement
12 Future Plan of Action
Bharat Integrated Social Welfare Agency (BISWA) originated in the district of Sambalpur as a philanthropic organisation in 1994.
During 1996, BISWA adopted the Self Help method to disseminate developmental ideas and information as well as service
delivery to the community. It extended its activities to cover micro-finance and micro-enterprise among the poor people. The
paradigm shift from donation driven approach to capital growth approach aimed at sustainability at the grass root level helped
the organization to extend its area of operation to 9 states in the country. Presently BISWA covers all the 30 districts of Orissa,
16 districts in Chhattisgarh and 15 districts in 7 other states. It has directly reached to more than 2,50,000 population with a
focus on women. Under micro finance programme, it has delivered credit to a tune of Rs 648,007,642/-to as many as 9862 SHGs
across its area of operation by the end of this fiscal year. Under its micro-enterprise programme it has conducted Vocational
Training programs, Rural/Micro Entrepreneurship development programs, Design Development programs for artisans, developed
artisan clusters for Bamboo, Dhokra craft and Brass & Bell metal artisans at Sambalpur,Angul and Malkangiri districts. By the end
of fiscal year 05-06, BISWA has been able to create direct employment opportunities for 38,603 persons as well as indirect
opportunities for 7137 persons.
The Head Office of BISWA is located at Sambalpur having 34 branch offices and 2 State Offices at Bhubaneswar; the state
capital of Orissa and I at Raipur; the state capital of Chhattisgarh).AII the offices are well equippe ith infrastru ural faolities
such as training halls, connectivity (phones, road approach etc.) furniture and fixtures and adequately qualified staff.
The General Body of the organisation is the apex decision making body which meets at least once in a year. The governance of
the organization is vested on a democratically elected Executive Body consisting of II members out of whom 6 are females.The
Executive Body draws its powers from a well defined and written down Constitution. The Executi e Body is eJected every 5
years and is headed by the Chairman. The management of the organisation is followed by an Operational Manual duly approved
by the Executive Body.
The staff strength as at the end of this fiscal year stands at 527, out of which 63 are located at the head office, rest are out in the
district offices and field area. The human resource policy of the oranization emphsizes on gender equity and prefers endemic &
indigenous skill.Every month the staffs meet in the Monthly Review Meetings held at the Central Office level or out reach office
level.The office orders/circular are passed on through postage and telecommunication. It is mandatory for the in-charge of the
out reach offices to communicate affairs to the Central Office not exceeding a calendar week. All the executive staff are
provided with cell phones for immediate and as & where accessibility.
Management Committee: Looks after matters pertaining to human resource of the organisation
Purchase Committee:AII institutional purchases are made subject to approval of this committee.
FCC sub Committee: Meets to discuss the actions and interventions of the Family Counselling Center.
Alliance Against Sexual Harassement: Chaird by Dr. Diptibala Pattanaik, the Committee looks after matters pertaining to
sexual harassement.
SWADHAR Neighbourhood Committee: The Neighbour Committee of SWADHAR, chaired by Dr. Deeptibala Pattanaik,
Retd.Senior beurocrat the committee meets to look after the management of SWADHAR.
Accounts of BISWA is maintained as per Bank Master system and method followed is Double Entry Book Keeping in the general
accounting. CGAP method is followed in operating the micro finance financial matters. The entire process is governed by a well
defined and written down Accounting Policy. The disclosure of micro finance activities follows the CGAP formulea.
Accounts of BISWA is maintained by an independent Accounts Department headed by an Accounts Officer and assisted by I
Cashier, 2 Accounts A sistants and checked & balanced by one Concurrent Auditor.
Planning and Execution of the projects other than micro finance is looked after by the Manager, Planning. He is assisted by a
number of staff in executing the programs.
The overall in charge of all the programs is the Chief Operating Officer who consolidates all the inward reports generated at
various levels and appraises/reports to the Management regularly.
Our Vision
Just and equitable society with greater emphasis on spirituality, compassion and peace on earth.
Our Mission
To make a real and lasting social, financial, psychological and spiritual impact on individuals, help build strong
cohesive communities and generate substantial employment opportunities by increasing availability of a wider
range of services.
Our Legal Entity

Registrations:
Originally BISWA was registered under Societies Registration Act XXI of 1860 vide Registration No. SBL 4824-22 of 1995-96
dated 15.07.1995; having the district of Sambalpur as its area of operation. Later in the year the 2005. owing to the expansion of
its area of operation throughout the State of Orissa, BISWA has been issued a new registration by the Inspector General of
Registrations, Government of Orissa vide registration no. 20060-41 IGR of 2005-06 dated 01.07.2005 against the old regsitration
under the same act.
In addition to the above BISWA is also:
.;. Registered under Foreign Contributions (Regulations) Act 1976 vide no. 105060053 dated 05.07.2000
+ Exempted under section 80(G) of Indian Income Tax Act vide no. 9649 dated 28.03.2002
.;. Exempted under section 12 (A) of Indian Income Tax Act vide No. 12290 dated 23.06.1997
.;. Registered under Orissa Sales Tax Act
(0 Registered under Central Sales Tax Act
.;. Registered under Dept. ofW&CD. Govt. of Orissa for provisions for persons with disbilities under Act I of 1996 vide no. 6 I of
2005 dated 10.03.2005
-:. Has Income Tax Permamnet Account No. (PAN).AAATA 4843 L
• Licensed to export SHG products
• Has labour license

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Orissa Chhattisgarh Other states

(Districts) (Districts)
I. Sambalpur 16. Sonepur I. Dantewada I. jharkhand
2 Bargarh 17. Dhenkanal 2 Kanker 2 West Bengal
3. jharsuguda 18. Angul 3. Bastar 3. Uttaranchal
4. Deogarh 19. Keonjhar 4. Koriya 4. Uttarpradesh
5. Sundargarh 20. Bolangir 5. Surguja 5. Andhra Pradesh
6. Mayurbhanj 21. Nuapada 6. Korba 6. NCT of Delhi
7. jagatsinghpur 22. Kalahandi 7. jaspur 7. Rajasthan
a Koraput 23. Ganjam a Bilaspur
9. Nawarangpur 24. Gajapati 9. janjgir( Champa)
10. Malkangiri 25. Rayagada 10. Raigarh
II. Kabirdham
II. Puri 26. Bhadrak
12. Cuttack 27. Nayagarh 12 Durg
13. Khurda 28. Baleshwar 13. Raipur
14. Kandhamal 29. jaipur 14. Mahasamund
15. Boudh 30. endrapara 15. Rajnandgaon
16. Dhamtari
Micro Finance
Micro credit is a critical antipoverty tool - a wise investment in human capital.

When the poorest, especially women, receive credit, they become economic
actors with power. Power to improve not only their own lives but, in a widening
circle of impact, the lives of their families, their communities, and their nations.
Poverty crushes the human spirit. Three billion people - half the world's
population - live on less than $2 per day, unable to meet their basic human
needs. Malnutrition, lack of health care, substandard housing and illiteracy breed
desperation, disease and daily suffering. Poverty traps future generations in a
vicious cycle without hope or opportunity. In an increasingly globalized world,
no one is immune to these problems. Most of the world's poor are self-employed.
Each day, without the security of formal jobs, they eke out livings, whether it is
by raising chickens, selling produce in markets or weaving baskets. Despite working from dawn to dusk, there is no money left over to
improve their quality of life or expand their businesses.AII they earn goes toward basic survival. So why then can't the poor improve
their liveslln most cases, it is because local money lenders, often the only available capital source, prOVide business loans at exorbitant
annual interest rates of 300 percent - 3,000 percent. Under this system, virtually all of a borrower's financial gains are passed directly
to the money lender. Individuals do not reap the rewards of their own hard work. Focusing on income-producing solutions for the
working poor is a powerful way to alleviate the pain of poverty for an entire family.
There are many reasons why women have become the primary target of microfinance services.At a macro level, it is because 70% of
the world's poor are women.Women have a higher unemployment rate than men in virtually every country and make up the majority
of the informal sector of most economies.They constitute the bulk ofthose needing microfinance services.Targeting women has also
proven to be a successful, efficient economic development tool. Research performed by the United Nations Development Programme
(UNDP) and the World Bank, among others, indicates that gender inequalities inhibit overall economic growth and development.A
recent World Bank report confirms that societies that discriminate on the basis of gender pay the cost of greater poverty, slower
economic growth, weaker governance, and a lower living standard for all people.
Women are usually the primary or only sole family caretakers in many developing countries. Helping them gain additional daily income
improves the condition of their entire household. Putting extra income in women's hands is often the most efficient way to impact an
entire family, as they typically put their children's needs before their own. Children are more likely to complete their education and
escape the poverty trap than their parents. Giving women access to micro-credit loans therefore generates a multiplier effect that
increases the impact of a microfinance institution's activities, benefiting multiple generations.
BISWA started its micro finance activities in the year 1994 and up to 1996 it went in individual model. in the year 1996 it adopted the
Self Help Model as the mandate of BISWA was to ensure community development with a holistic approach. Microfinance was adopted
as a tool for community empowerment by initiating group action and inculcating a sense of collective responsibility.With interventions
made by NABARD, the State Machinery in form of Mission Shakti, and above all CARE CASHE during 2002, BISWA reinforced its
micro finance activities and during the last 4 years, the growth in terms of out reach and portfolio, development in terms of professionalism
and a spread of understanding of intricacies of micro finance in parts of the GB members as well as the staff.The growth also had its
share of disadvantages. Owing to its NGO mFI status, raising loans from formal financing institutes and banks needed a lot of convincing
regarding the existing infrastructure and bring them into confidence to invest. Raising a loan to the tune of Rs 50 crores needed to be
done from 14 different sources.The number of the self help groups exceeded I 1000 mark owing to the extensive and rapid expansion
drive. By the end of fiscal 2005-06 the number of persons resolved into SHGs exceeded 186000 spread over two staes; Orissa and
Chhattisgarh. Both the number of SHGs and the members in the groups were sizeable and impressive but also has its own operational
hazards.
Further. the SHGs are conglomeration of 10 to 20 homoegenous persons living in a compact geographical area. but not having a legal
entity, though these bodies are governed by written down constitutions.Finance to the SHGs by the formal financing institutions was
viewed as a risk factor. The economic scenario in the country had a regulatory demand to invest in micro-financing whereupon the
institutions erstwhile having exposure to urban and formal financing system were looking for avenues to penetrate into the rural
market and urban slums.This demand brought them closer to the NGO mFls. But the gross difference in the modus operandi of both
the sectors created room for some creative thinking.
The entire spectrum of pumping finance into the rural sector, hued with the social commitments and responsibilities as a mandate of
BISWA whereupon the needs were clearly spelt out; I. bring operational self sufficeiency by inducting innovative ways in cutting costs,
2. empowering the community with managerial capacities relating to commercial funds and moreover equally important; 3. enabling the
communities to identify and address their financial needs at their own level. There was still question of availablity of finance for the
SHGs at affordable rates.
As an answer to the above demands. BISWA promoted two types of institutions. a) the
Federation of SHGs and b) the Non-Banking Financial Company.
Promotion of Federation of SHGs as Mutual Benefit Trusts

(MBTs)
The Federations are conglomeration of SHGs; I I to 50 in number operating in a compact

geographic area.They are legal entities registrered under Indian Trust Act as Mutual Benefit
Trusts (MBTs). BISWA is represented in its Governing Body as the Settler. The Federations are client owned client managed socio
economic intermediary org.anisations at the community leyel to cater both MandaI and sOdal needs. They act as a financial intermediary
between BISWA and the SHGs and being the inetrmediary they also become a profit center.The Federations are one more step
towards bringing about a financial and economic freedom to the community as an impact of micro-finance activity.
Promotion of Non Banking Financial Company (NBFC)
The Non Banking Financial Company (NBFC) is registered as Private Limited Company under the Company Act and 1956 and is
registered as Non Banking Financing Company under Sub-section I of Section 45-IA of the RBI Act. Before commencing operations
it will obtain a certificate of registration from the Reserve Bank of India; and have Net Owned Funds (NOF) - shareholder equity +
internally generated reserves of Rs 200 lakhs. The company will strive to meet all Prudential and Non Prudential norms of the RBI for
accepting public deposits. The promoters find that under the current regulatory mechanism. this is best suited to operate microfinance
activities. Over a period of 10-15 years , the promoters have envisaged turning the NBFC in to a Microfinance Bank after having
fulfilled all regulatory requirements.There will be no transfer of assets and liabilities from BISWA to the NBFC.The entity will raise its
financial resources through various means and will use the service of MBTs and partner NGOs to form SHGs. BISWA has also been
I
able to mobilize equity from the NRl's in USA through Mrs.Joyasree MahantLThis fund we have been mobilized as a loan in the name
of Mr.K.C.Malick who holds 51 % of the equity in the NBFC.To avoid the delay, BISWA has taken over one existing NBFC at Delhi in
the name of Credibility Securities and Finance Ltd. for which Mr. Nagarajan has done the due diligence at a premium value of @Rs.13.91
per share. The proposed NBFC is the first of its kind in the state of Orissa in the mF sector. It will assist the NGO mFls. ICD
promoted self help groups coming under Mission Shakti •SHPls & other stake holders in the area of microfinance.ln this context the
NBFC will provide loan facilities to above such agencies at a softer rate of interest.
Bring recognition, legitimacy, respect and M M To increase the availability of wider
opportunity to the 100,000 skilled I range of micro-finance services for
micro-entrepreneurs in the western C poor (predominantly rural) women
Orissa region. c r and their use of those services
Create a fair and level playing field for

o through the process of expansion as
r f well as consolidation of this micro
every micro-entrepreneur so that they
do not need to be permanent dependent o finance program and creation /
n facilitation of a sustainable community
just because they do not qualify for the
a based Micro-Finance Institution
mainstream finance.
n within the year 20 IO.
Revive the root of banking, so that credit f c
is once again based on trust and e Vision
relationship and a person's wealth or
poverty has no bearing on his/her n
creditworthiness.
a
Make a real and lasting psychological,
social & financial impact on individuals; n

M
help build strong, cohesive communities;
Bridging the gap between demand and supply.
c c
and generate substantial job
Provide collateral free loan to the poor.
opportunities and economic benefit for e r
society as a whole. o To bring changes in public policies and practices
Mission in favour of the poor and deprives, particularly
f in the areas economic, fiscal and social
I administration.
Credit to the Poor especially to the SHG's for income M n
To encourage & collaborate with people and
generation activities I a institutions with objectives similar to those of
C n
BISWAmFI
Women focused. r c
o
Federation Building (MBT's) taking SHGs for client owned, e
client managed self regulatory system.
f Objectives
Collateral free loans.
n
Encourage Savings for Capital growth. a
n
Provision of Insurance. c
Maximum Length of loan, 2 years.

e
Strategy
Micro finance Products

ilability of credit is e basic
r quirement to any citizen. more so.
to a poor person. Credit. should be
timely as well as easily vailabl .
Formal institutions. including
nationalized banks are unable to
meet the micro credit reqUIrements
of the poor people. as normally
credit for income generation has
been institutionalized rathe than
micro credit for variou purposes.
This has left poor perso S th no
option except to dep nd on
moneylenders for credl Money
lenders with abundant c mmon
sense offer timely - but an
exploitative credit. hich act as a
poverty trap for the poor. Various
studies have proved hat In rural
India a person taking credit from
money lender for health or for a
ritual like marrIage forever has gone
below poverty line If the poor can
have access to small. low interest
loans during times of crisIs. they can
avoid failing IOto debt trap. Banks,
however. require collateral and are
often located 10 distance towns.The
poor also have diffICulties with
bureaucratic and sometimes
corrupt- loan application
procedures.Thus the poor have no
alternative than to turn to village
money-lenders.BISWA
Microfinance addresses this
problem by delivering collateral free
mlcrofinance-savings, credit and
Insurance products- at the
doorsteps of th poor.
Saving Insurance
~ Compulsory savings by SHGs deposited at Banks.
~ Utilized for internal credit purpose Collaborated with ICiCI-Lombard for health &Accident
~
death of SHG members and their three nominees.
It is not utilized by BISWA.
Collaborated with L.1.c. of India under Janashree Bima

Yojana covering life of SHG members
3 Types: Production. Consumption & Trading.
Collaborated with Oriental Insurance for linsuring assets

Extended to qualified SHGs/ SHPls/ MBTs.
(livestock. other valuables) of the clients

Maximum repayment period is 2 years.
Door-Step Delivery
Hassle-free and adequate Loan
MICRO-FINANCE GLIMPSES:
Outreach
States:
09
Districts:
61
Total SHGs:
12,437 (Male-701 Female- 11,736)
Total members:
186,478 (Male - 10,60 I Female - 175,877)
Households:
185,322
Saving mobilized:
5,63,24,851 INR
Loan Disbursed:
64,00,87,642 INR
No. of Loans:
9826
Amount of Loan outstanding:
55,77,21, 112 INR
No. of loan outstanding:
8,044
Financial
Savinu Profile
Average savings per SHG members:
3021NR
Average savings per SHG:
4,5291NR
Total cumulative savings of SHGs
5,63,24,851 INR
Return on saving per annum in %
As per Bank norms 3-3.5%
Note: The savings of the SHGs are deposited in respective bank accounts of the SHGs. which are not utilized by us;
however the savings are utilized by the SHGs for their internal lending purposes.
Credit profile
Loanee members 123,027
Average loan size per SHG member 5.2031NR
Average loan size per SHG 65,I421NR
Time taken to release a Loan 15 Days
Average loan payback period of member to SHG 12 months
Average loan payback period of SHG to NGO 12 months
Cumulative loan disbursement till 31 st March '06 64,00,87,642 INR
Loan outstanding till 3 Is< March '06 55,77,21,1 12 INR
Current Repayment Rate 99.7%
Cumulative Repayment Rate 99.5%
Rate of Interest charged to SHGs 18% p.a
Note: The recovered loon amount is partly used for repayment to our creditol"s and surplus is used for rotation in order
to provide further loon assistance to our clients.
BISWA's achievements in promotion of:
Self Help Federation:
Besides SHG promotion BISWA also promoting Self Help Federation in the operational area.TiII date it has promoted 67 Self Help
Federation. Out of which 66 are promoted in the rural and I is promoted in the urban area. For the appropriate legal structure of
those federation promoted, they are registered under Indian Trust Act as Mutual BenefitTrusts (MBTs), a sovereign body which has its
own defined constitution, rules and regulations.
3 federations are already registered under the above Act.
For operation modalities of these federations, operational guidelines (loan policies! saving policies! HR policies etc.) are being prepared
with expert opinion.
Some Graphic representations
Yearwise No. of SHGs Yearwise No. of Members
13030 186478
4699 71845
2265
356 1128 3156 3212 4416 8055

i I
1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
.. As on 31st Mar'06
Rs49.873.540.00. 5%
RI391.425,754.00.
38%
- - .. -
wI!III·~·"·IIjI·IIIII!··.···~.··11lSC7
2006
70777183,
11% 200511!!. . . ._ .
I
174673506,
_ Agriculture
_ Business
2004 .22B1i~'1..r;~~
27% 20000 40000 80000 80000 100000 120000 ._ 180000 180000 200000
402556953, o Consumption _SHGa_Mombe",=F -u-~)-~ (SHG&)
62%
Savings,Disbursement & outstanding
80000000
60000000
40000000
20000000
2004 2005 2006
I_ Savings - Disbursement 0 Outstanding I

:NCr1tember , 2005
_.'dln the promotion of SHGs.ln the past it had partnered with National Bank for Agriculture and
.Q1D) for SHG promotion and capacity activities. which has helped BISWA to strengthen its lending
_~··~rIth CARE (CASHE project) has also immensely helped the NGO-MFI in documentation, loan
"and accounting.
policies and procedures and updates the same at regular intervals. BISWA has a policy that
"~!fnernb4!lr of an SHG should have only one loan. However, this is not practised by the NGO-MFI at all
.-:lnltiOr1ln,g mechanism are better than those of other MFls of similar size. The community organisers
.1:tcmlSfrom SHGs and the lending decisions are taken at the loan committee. The monitoring team visits
PJJ)lIYt~1fKI wriftes the records maintained at the SHG level. The cash management mechanism is moderate.
. .,. .~aIaI1C8 (DCB) sheet is prepared on a monthly basis to analyse the cash flow. The disbursements to
~.Th.communityorganiser collects funds from SHGs on monthly basis, and issues receipts for the same;
. . . . In BlSWA's bank account. The community organisers visit each SHG once a month to verify the
&liIl'Ma':lIHG level.
CAR) of the NGO-MFI has significantly improved to 17.60 per cent as at March 3 1,2005, from 4.67
004.Thfs Improvement in CAR is mainly because the institution was able to raise operational grants
turned helped it register a higher surplus during 2004-2005. With CARE support for BISWA's
likely to end by December 2006. and with the NGO-MFI planning to expand its outbreak. it needs to
D-"lDlS of equity and grants for its microfinance programme.
'deterioration In PAR greater than 30 days to 0.60% compared with no delinquencies in the previous year,
10 quality was good as at March 31.2005, Delinquent loans beyond 90 ~ays remained at zero as on March
portfolio was mainly due to the inefficiencies in the MIS software which the NGO-MF,I is currently using
~ Its Sambalpur branch. The current software is not customized and therefore captures the entire
• .,Mllne for this branch as delinquent loans. During 2004-2005, BISWA has made a loan loss provision of
1IW!~:o&.ta1tandlng.but the institution does not have a write-off policy in place. Moreover, by channeling life and
iWiwilJlr'll tIvough tie-ups with insurance companies, the NGO-MFI has protected itself from the risk of
of a borrower.
AWlut+-Uability Management (ALM):
.&!ftllflnanc:eprogram has diversified funding profile with borrowings from apex MFls. private sector banks. scheduled
a regional rural bank. and local social investors. BISWA has entered into a servicer agreement with ICiCI
• • • 1004,and as of March 2005 had disbursed Rs 17 million of ICiCI Bank funds to its members.As a servicer. the
hillmllnbltel"S ICICI Bank loans to the groups formed by it for a fee, which is charged to group members. Though these
• •·ftClItappear on BISWA's balance sheet, they allow the NGO-MFI to significandy expand its outreach.
• •t.~_ of borrowing improved marginally to 8.20 per cent in 2004-2005 from 8.76 per cent in 2003-2004. This
. . . .rrmnly because BlSWA mobilised 50 per cent of the total borrowings outstanding during the third and fourth
IMG.4-2005. However, going forward this would impact the spreads on lending as these were borrowed at commercial
1I.·tnlqI,n money from its self-help groups and has a policy of paying interest at 6 per cent per annum on the same.
"~tnt.. aston the margin money had not been credited to members accounts as of March 2005.As BISWA recogl1ises
• •;~.\Q. bas the interest payable has not been reflected in the financial statements. However CRISIL has made an
ii1idrill".'tJbesame In its analysis. BlswA's asset-liability profile is moderate. The loans to SHGs are for 6-18 months tenor
" • •1iInS borrowings are for a tenor of 18-36 months.
• :;.~*,anc:e operations take place in the states of Orissa and Chattisgarh.The number of villages covered has increased
31,1005 from 1438 as at March 31, 2004. BISWA had disbursed loans of Rs 62.42 million to 1.662 SHGs in
I!ti-l!lOS,representlng a 345 per cent growth over the previous year.The increased business volumes resulted in. the operating
~~• •IIIJ.,lratlD mprovIng to 20.36 per cent as at March 31. 2005 from 25.66 per cent as at March 31. 2004. Nevertheless. the
'''-• • •:.,.ens;e ratio of 20.36 is high compared to other MFls.
• •~fOIoyteld Improved to 21,58 per cent in 2004-2005 from 19.52 per cent in 2003-04,mainly because 47 per cent of
tII""• •neld for agriculture during 2004-2005 were repaid within the same financial year. The NGO-MFI had an operational
OSS) ratio of 68.0 I per cent for 2004-2005. indicating that the operations of BISWA's microfinance programme
not sustainable without operational grants.
and Sustainablility:
O-MA has been successful in accessing borrowing from diversified institutional leaders. BISWA has also entered into a
Ml"'lIirlIragreement with ICiCI Bank in November 2004 to manage a portfolio for the bank, for a fee.This would also help the
C>-MFI to significantly expand its outreach. To meet its ambitious growth plans. BISWA intends to form a new company.
proposed to be registered as a Non Banking Finance Company (NBFC). The founder of BISWA is likely to infuse capital
the proposed NBFC.
transfer of the mlc~nance programme to the proposed NBFC would prOVide growth opportunities.At the same time, the
IIIR:.'llI1OU11d need to meet greater regulatory compliance and induct professionals at senior management level to manage the
___Wbusiness.
manage this transformation needs to be demonstrated. Moreover. the NGO's microfinance program
• •In areas to ensure that its operations are sustainable.These include improving its mangement information
• •111:1 processes. control and audit.
~""ids are expected to decline owing to high cost borrowing which the institution has taken during the
aooS. To offset the decline in spreads. the organisation could focus on fee-based income like insurance
...-rtlltIrll of handicrafts and the like to sustain its microfinance operations.The NGO-MFI has a separate team
_).I'iI. development to handle handicrafts promotions business development for product manufactured by its
'-.~tra:te Its ability to raise low-cost resources to sustain its microfinance operations. as intends to lend to
Inllln,asapinst the 18 per cent it offers to SHGs.
would raise loans to meet the credit needs of the MBTs would on-lend to SHGs.The objective of this
communlty-owned organisations at the grassroot level to ensure effective implementation and collective
MaTs expanding. their operational area needs to be defined and BISWA as a Settler for these MBTs would
role In any conflict resolution. if and when they arise.
2005 2004
20.14% 18.89%
21.58% 19.52%
•funds deployed 1.32% 0.58%
deployed 21.46% 19.48%
7.22% 8.65%
8.20% 8.76%
funds deployed (A)-(B) 12.91% 10.24%

-(C) 11.94% 10.13%
7.72% 15.42%
20.36% 25.66%
10.86% 9.80%
ratio 9.50% 15.86%
161.22% 64.79%
22.64% 2.36%
68.01% 54.62%
0.00% 0.00%
2.98% 0.00%
4.98 19.00
17.60% 4.67%
Micro Enterprise
Indian economy is characterized by low rates of growth, predominance of

rural population, adverse land mass ratio, heavy dependence of rural
population, adverse land mass ratio, heavy dependence on agriculture,
concentration of Industries in urban areas, highly skewed distribution of
income and wealth, besides high incidence of poverty and employment.The
_ last two viz.; unemployment and poverty pose major challenges to the growth
and prosperity of the country.Various attempts by government in the past
have yielded only marginal success. In order to mitigate the problem of
rural unemployment, some new avenues for employment generation have
to be found within the rural areas. It is also felt that generation of additional
and adequate employment in rural areas will reduce poverty.
The economic condition of the state of Orissa is very poor, in fact, the poorest state in the country. 48 percent of the population
reside below poverty line. Despite, the state being endowed with various natural resources, the people of the state are reeling
under abject poverty. The reasons for the underdevelopment and poverty are so many. More than 10 percent of the working
population depend on agriculture and related activities. In rural areas, disguised unemployment prevails in agriculture sector, the
practices are being traditional nature. Rural people have poor resource base, low level of capacity, limited access to financial and
other support services.They do not have enough opportunities around them to utilize their limited skill and resources. BISWA
envisaged providing them ample opportunities for creating income through activities by linking them to micro-finance services
and micro entrepereurial activities.
Among micro-financial services, micro-credit has predominated, on the assumption that it will deliver higher incomes and
increased assets to the poor through micro-enterprises. Injecting capital to the existing micro-enterprises or creating new ones,
many enhance the risk that their poor owner's face. Along with credit poor people need various other services/input viz. skill
development training, information, insurance and market linkages which would minimize risk and enable them to generate
income for their survival. By delivering micro-financial services at a scale and by mechanisms appropriate to them, micro-credit
can reach poor people. By providing poor people with credit for micro-enterprise it can help them work their own way out of
poverty.
Poor people need access to so many financial services than just micro-credit, including a range of micro- savings and insurance
products. Indeed, the first step for poor people on the path out of poverty cycle is social and economic security. Appropriate
savings and insurance, as well as loans for emergency expenditures or basic assets such as housing and education can contribute
significantly to such security, not least among poorer and more vulnerable households.
These services can protect poor people from the impact of unforeseen crises and emergencies in their households or micro
businesses, from falling yet further into debt, and enable poor households to plan and manage their limited resource more
effectively to meet their basic needs. Once poor household enjoying greater security, they may be able to access promotional
micro-finance products that help them develop their livelihood.
Our Training cum Production Centers
Soap Making
At Budapada village of Baduapali GP of Maneswar Block, BISWA has established one Soap Training cum production Unit with
financial assistance provided by our friends from USAThe unit has a capacity of producing 200 kgs per day of washing soap and
imparting training to 20 trainees in a single batch.The unit was established in the month of February 2004. Presently the capacity
utilization is 65% in terms of production and 80% in terms of imparting training. Full capacity utiization is devised to take place
by September 2006. The produce is disposed both in wholesale and retail.
Badi-Papad Making
The products of this unit are marketed under our own brand name ODDISSI as Odissi Badi and Odissi Papad. The unit is
situated at Kamli Bazaar of Sambalpur Municipality. ExclUSively meant to train women entrepreneurs, the unit also rehabilitates
successful trainees as production assistants in the unit which presently runs at 100% capaCity utilization in terms of both
production and training.
Soft toys making

The soft toys making unit is situated at Kamli Bazaar and has been operating since 2002. Since its inception it has trained 84
ladies in the trade and has rehabilitated 14 women in the center. The product is very much popular both in Sambalpur and in
adjacent towns. 20 women of a minority community are being given training at a satellite unit established at Pensionpada,
Sambalpur.
Candle Making
This unit is working at Hatibari Health Home aiming at economic rehabilitation of the leprosy cured persons. Since 2002 (the
year that BISWA took over the income generation unit of the Home) the unit has trained 33 persons in the trade. It produces
fancy as well as utility candles to cater the local market.
Tailoring Unit
To cater the day to day clothing needs of common households, this unit is functioning as a local intervention. It promotes
housewives and adult women folk an employment at their doorsteps and also augment their earnings. This unit not only trains
the raw hands, but also provides them an opportunity for their employment.This year the unit has imparted sewing. embroidery
training to 23 women from Sambalpur urban area.
Weaving Unit
Functioning at Hatibari Health Home, it provides training as well as employment opportunity as a rehabilitative measure to the
dependents of original inmates. With a minimum input the inmates are able to produce. clothing for the households e.g. lungi,
gamchha and sarees at a very reasonably economic price.
Leaf Cup Plate Unit

To utilize Siali leaves as a locally available minor forest product, this unit makes leaf cup plate with help of machines, which
cateres to the local market demand. It engages 20 lady inmates.
Bamboo Craft Unit
To promote the traditional handicraft in Bamboo, the artisans at Jhankarbahali are given latest
inputs to produce quality and quantity products with optimum use of raw materials. In this unit 120
artisans are formed into 12 Self Help Groups with both forward and backward linkage support.
The targeted people were imparted skill development training with support from the Government
of Orissa, under its Skill Development Program. The Government of Orissa has also provided
Design Development training to them.
Training have been imparted to members of 7 SHGs in Kudmulguma and 5 SHGs in Ghanbeda of
Malkangiri district in bamboo craft trade. The training has been supported by NABARD.
Sisal Fiber Unit

At Hatibari Health Home BISWA has established one Training cum production unit on Sisal Fiber. Fiber is extracted from the
Sisal by extractor and then many utility and decorative items are produced out of the fiber. The produce have a high demand in
local as well as national markets.
Sambalpuri saree unit

Sambalpur is worldwide known for its hand loom sarees. The sarees have a wide market spread over whole of the globe.At
Katapali of Bargarh. BISWA has established one Saree weaving training cum production center which imparts training to 100
traditional artisans and by adding value to their traditional skill, BISWA has ensured sustained income in parts of the traditional
artisans.
Brass and Bell Metal unit Unit

At Katapali of Bargarh, BISWA has established one training cum production
center for the Brass and bell metal artisans. I 00 artisans of brass and bell
metal craft have been trained with support from NABARD under Rural
Enetrepreneurship Development Program. As in the Rengali cluster, a
Common Facility Center is in the pipeline to be established at Katapali.
Readymade Garments Unit

The members of SHG of Diptipur, Bargarh have received training in
Readymade Garments in the training cum production center.The members
belong to a minority community. 68 members have so far received the training
and are successfully prodUcing the readymade garments.
Tie and Dye unit

Training in Tie and Dye has been imparted to SHG members at Bheden and Marikel of of Bargarh district.
BISWA enjoys the credit in successfully providing self employment to 4259 entrepreneurs and employment to 596 wage
earners along with creation of indirect employment opportunities for a population of 16693 in the rural sector with major
focus on agri-horticulture, promotion of handicrafts, encouraging petty business. The support of the friends from USA, the
Government of India, the State Government has made it possible along with the formal financial institutions who have extended
credit facilities in pursuance of the income generating activities adopted by the entrepreneurs.
Our Common Facility Centers (CFCs)
Many brass and bell-metal artisan families live in three villages in Rengali block of Sambalpur producing brass and bell metal
items par excellence. In recognition of the potentiality of the produce in attracting customers and the lacuna in proper marketing
despite existence of a huge market. BISWA and the National Bank for Agriculture and Rural Development (NABARD) jointly
intervened in the scenario by organising the artisans into Self Help Groups, imparting skill and design development training and
to establish backward linkage for financing, raw material availability etc. and forward linkages for marketing of the product. In
furtherance of the objectives of empowering the artisans in terms of volume and fineness of products, creation of demand etc.,
a Common Facility Center was established during last year, considering the size of the machinery those would be required to
produce fine materials. By the end of the financial year, the building was constructed on 2560 sqft of land (1230 sqft. of plinth
area) with I office, I store room and a training cum production shed.
Since the beginning, a cluster approach was adopted to address the need as three Villages were identified namely Ganesh Nagar,
Rampela Camp and Chauladipo. The artisan families of these three villages are benefitted by establishment of this Common
Facility Center.
Another Common Facility center was extablished for the Leaf Cup Plate making artisans at Charichhak of Boudh district. 60
craftsmen have been indentified in the trade who have been inparted training in the trade.
BISWA SALES OUT LET ( LAXMI PRIYA )
Exhibition attended
SINo Place From To

01 Orissa Handi Craft Mela.Vizag 06/07/05 16/07/05
02 Saras at Puri 06/07/05 16/07/05
03 Durga Puja Exhibition ,Belpahar OS/10/05 IS/10/05
04 IITF, New Delhi 14/11/05 2S/II/05
05 Samarthya, Bhubaneswar 04/12105 12112105
06 Bolangir Lokmahotsav 09/11/05 11/11/05
07 SIDBI Exhibition 29/11/05 03/12105
OS Sambalpur Lokmohotsav 04/01/06 06/01/06
09 Gopalpur Beach Festival 14/01/06 19/01/06
10 D.C. Handicraft,Bhubaneswar 31/12/05 14/01/06
II Kalahandi Utsav 07/01/06 12101/06
12 DhamaYatra 03/01/06 15/01/06
13 Mysore haat, Mysore 06/02/06 14/02/06
14 Panchayati Raj 04/03/06 14/03/06
15 Chattisgarh Exhibition 27.03/06 05/04/06
A step further in micro-entrepreneurship
As a part of the Basic Needs Program. 4 women SHGs were supported by BISWA to open raytion shops at their respective
villages. Mrs. Joysree Mahanti (Ranu Nani) inaugurated the shops during her visit to BISWA in February 2006
Basic Needs Program
Availability of safe drinking water

Establishment of innovative schools
Enhancing Health status
Reduction in IMR & MMR
Basic Needs Program was initited during 2002
Promoting alternative livelihood options
when Mrs Joysree Mahanti, an NRI living in
Skill up-gradation in traditional trades
the USA came in contact with BISWATogethr
Extension of credit service for undertaking Income
Mrs. Mahanti and Mr. K. C. Malick. Chairman.
Generation Programs by SHGs
BISWA. devised a plan to address the problems
Construction ofWater Harvesting Structures to
pertaining to 48 villages of Maneswar Block.
facilitate irrigation
Sambalpur district in Orissa. The villages are
located in remote parts of the district deprived
of all infrastructural services e.g. roads. safe
drinking water, elementary education, primary
health care etc. Capitalising BISWA's
Villages Covered
experience in working in these areas and the
Bolaranga
rapport with the community, the district
Antapali
administration, Mrs. Mahanti's contacts in the
Bolbanga
USA were appraised of the situation and the
Bausenmura
Basic Needs Program was launched with the
Mahulpali
objective of upgrading the standard of living
Matikhai
of these 1489 households. Basic Needs
Mendalipali
Program is a shining example of convergence
Kundebahal
of efforts of the government. the NGO and
Kankudipali
the community to bring about a holistic
Jaduluising
development in all segments of the human life,
a juncture of micro-finance, micro-enterprise

Kanbar
and social empowerment.

Rathipada
Budapada
Jhankarbahali
Tangarjuri
Rugudipada
Gohriapada
Rangiatikira
Activities
Establishment of Innovative Schools: In 15 villages of tyhe covered area BISWA has established even number of Inovative schools
imparting elementary education to children between schooling age.These schools are supported by Asha for education: a philanthropic
trust in the USA and our friends from USA.
Innovative Schools:
Bolaranga Innovative School: Opening date:
December IS, 2004
Classes:
From I to 7
Strength:
46
Village population
360
Nearest school:
Surda at 6 KMs.
Antapali Innovative school Opening date:
December IS, 2004
Classes:
From I to 7
Strength:
41
Village population
520
Nearest school:
In the village but closed maximum times
Bolbanga Innovative school Opening date:
December IS, 2003
Classes:
From I to 6
Strength:
27
Village population
390
Nearest school:
Baunsenmura Innovative school Opening date:
December IS, 2004
Classes:
From I to 7
Strength:
45
Village population
1200
Nearest school:
In the Village but closed maximum times
Mahulpali Innovative school Opening date:
December IS, 2004
Classes:
From I to 6
Strength:
60
Village population
900
Nearest school:
In the Village but closed maximum times
Matikhailnnovative school Opening date:
December IS, 2004
Classes:
From I to 7
Strength:
44
Village population
800
Nearest school:
Mendalipali Innovative school Opening date:
December 15, 2004
Classes:
From I to 7
Strength:
54
Village population
630
Nearest school:
Kundebahal Innovative school Opening date:
December 15, 2003
Classes:
From I to 7
Strength:
41
Village population
150
Nearest school:
Kankudipali Innovative school Opening date:
December IS, 2004
Classes:
From I to 5
Strength:
41
Village population
520
Nearest school:
Jaduloising Innovative school Opening date: December 15. 2004
Classes: From I to 5
Strength: 38
Village population 270
Nearest school: In the village but closed maximum times
Kanbar Innovative school Opening date: January 17.2005
Strength: 41
Rathipada Innovative school Opening date: November IS, 2002
Strength: 22
Village population I 10
Nearest school: At BaduapaJi at a distance of I0 kms
Budapada Innovative school Opening date: November I5. 2002
Strength: 29
Nearest school: At Baduapali at a distance of 5 kms
JhankarbahaJi Innovative school

Opening date: November 15, 2002
Strength: 61
Nearest school: In the Village but closed maximum times
-------------_. ---------------------------------
Tangerjuri Innovative school Opening date: November 15,2002
Strength: 46
Rugudipada Innovative school Opening date: February 06, 2006
Strength: 34
Nearest school: In the Village but closed maximum times
Gohnapada Innovative school Opening date: February 06, 2006
Strength: 42
Impact of the Basic Needs Program:

Infant Mortality have been brought to zero
Maternal Mortality have been brought to zero
100% enrollment in schools ensured
Out-migration has been minimised
Value added to traditional products
No exploitation by money lenders
Safe drinking water made available
Availability of water for farming consumption
Income level of artisans enhanced
Water and Sanitation Mission:

Poor hygiene, inadequate quantities and quality of drinking water and lack of sanitation
facilities cause millions of the world's poorest people to die from preventable diseases each
year.Women and children are the main victims.
BISWA has been identified as a Key Resource Center of Orissa State Water and Sanitation
Mission for eight districts: Sambalpur, Jharsuguda, Bargarh, Sonepur, Deogarh, Sundargarh,
Mayurbhanj and Boudh under the Total Sanitation Campaign. It works with government
and other partners to create conditions for change-or enabling environments to ensure
the effectiveness and sustainability of all water and sanitation campaign.
The broad program components of BISWA are:
IEC Campaign: lack of proper sanitation is also major challenge in the rural area Provision
of safe drinking water will not serve the purpose of ensuring health and hygiene in the rural
area if the water is contaminated after being taken from the safe source and used for
drinking purpose. Hence. an integrated approach is required for water and sanitation for
maintaining the health and hygiene in the rural area.
• Installation of Individual Household latrines (IHL)
• Building up community level infrastructure for sanitation
Our approach is an integrated water resource perspective that ensures- social, economic, environmental and technical dimensions
those are taken into account in the management and development of water resources. Effective water resource management programme
can improve water supply for irrigation and households, provide power, mitigate floods, and help manage the complex web of water
uses. They can also play an important role in climate change-as a tool to help countries adapt to evolving hydrologic conditions and to
reduce fossil fuel consumption.
Objectives:
• Ensunng availability of clean water for all and should have a source
of clean drinking water.
Creattng awareness on hygiene and sanitary practices at the family
level.
Ensunng availability, use and maintenance of a sanitary latrine (for
safe and hygJenic disposal of human excreta) at family level.
ImproVing knowledge of child care practices at the household level.

ProVIding access to Training and knowledge of managing diarrhoea
at the household level.
Setting up information centres on low-cost sanitation, diarrhoea
management and immunisation schedules.
Identifying high-risk families.

ensuring chlorination of all wells. Construc!Lon oLwater Harvesting Structure at
Training women to maintain hand pumps. Budapada Sambalpur
Identifying high-risk families.

Creating awareness on the importance of water harvesting structure and roof tOP water harvesting.
Awareness campaign on economic use of water resource.
Out each:
Till date,BlSWA has covered 40 nos. of villages in 9 Grampanchayats of 7 district of Orissa and has constructed 1200 nos. of IHLs in
eYen number of Below the Poverty Line Families.Working directly with the community, BISWA helps to ensure that households have
access to a clean and secure supply of water, and safe and convenient sanitary facilities. Through hygine promotion and sanitation
proanntmes. BlSWA works towards maximizing the health benefits. focusing in particular on the survival, growth, and development of
children. Every house should be equipped with separate sanitary facility and have a source of clean and safe drinking water.
+.b'lienepromotlon In schools to creat conditions where children themselves are agents of change in their families and communities.
SNo DIstrict Block Total IHL Complete · Sove water from run off
1
2
Sambalpur
Sambalpur
Maneswar
Rengoli
182
100
· Save water from surface evaporation
3 Jharsuguda Lakhanpur 350 · Save water from roof top

4 Bargarh Bheden 310 · Harvest water by increasing the surface
5 Sonepur Binka 50 storage capacity
6 Deogarh Tilelbant 131
7 MayurbhanJ Raruan 30 · Construct more numbers of Water
8 Boudh Boudh 50 Harvesting Structure
Our Approach:
Our approach is an integrated water resource perspective that ensures
social, economic, environmental and technical dimensions those are taken
Into account in the management and development of water resources.Effective
water resource management programme can improve water supply for
irrigation and households. provide power. mitigate floods. and help manage
the complex web of water uses.
They can also play an important role in climate change-as a tool to help
countries adapt to evolVing hydrologic conditions and to reduce fossil fuel
consumption.
SWajaldhara:
Swajaldhara is a major and necessary compartment of water and sanitation
programme of BISWA. Water scarcity is one of the burning problems in
rural areas that makes us aware of effective water resource management
programme. To ensure its role in NRM the government of India lunched a
programme named."Swajaldhara" as an important issue to cater water scarcity.
Keeping the above in our activities in NRM and especially in WRM. BISWA
plays a key role in successful implementation of Swajaldhara programme in
various locations of its area of operation. BISWA has lunched Swajaldhara
programme In 40 villages of Maneswar Block, and has a target to cover 50
villages In lit districts of Orissa in coming years 2006/2007. We have taken
InitiatiYe In different villages of Bargarh. Deogarh and other districts of our
operational areas. It is our mission to perpetuate Swajaldhara programme
as a key resolution in the whole state.
Roof Top Water Harvesting Structure (RTWHS):

Roof top Water Harvesting is the prime objective in our operational area.
Unnecessary wastage of rain water as run off during rainy season is the main
cause of water scarcity dUring off season. Collection and storage of this
excess water during rainy season help to recharge the ground water table.
Roof top water harvesting is highly encougaring in our operational area.
RrWHS has been constructed at Jujumura Girl's High school.Jujumura block
of Sambalpur District and handed to the management committe for its proper
management and maintenance.More numbers of RTWHS are encouraging in
others field areas..
Water Harvesting Structure ( WHS):
Construction ofWater Harvesting Structures is one of the main objectives
of BlSWA In its operational area. Due to improper maintenance and ignorance.
traditional water harvesting structure are being silted and eutrophicated in
most part of our State. Encroachment of this traditional structure is another
serious problem as the population is blooming at its highest rate.
BlSWA is taking initiative to encourage construction Water Harvesting
Structure in the rural pockets of Western Orissa to increase the surface
storace c:apacIty. This finally leads to increase the ground water table and Water Harvesting Structures
easy availability of water during off season for human consumption. .at Budapada Sambalpur
5 WADH AR one of the most ambitious projects of BISWA. has been ..._~
got started at its Central Office . Its inauguration programme took place Oft
2005 by Ms Aparajita Sarangi, lAS, Director W&CD. Mrs. Pravad Parida, Ok.CdR
Social Welfare Board.
The office building of BISWA Self Help Dhankauda No

by Sri K. C. Malick, Chairman, BISWA on 1st November 2005 at Barm
Dhankauda block.
Mrs Joysree Mahanti, an NRI from USA, popularly known as'Ranu

MICRO ENTERP in Mari.......~~
supported by BISWA on February 13 m •
An Inauguration ceremony of Dhokra was held at Kamrei inAnIWlld• •l

on March 13 th ,2006.The programme was supported by Director of Hanclicraft.a. C:<i.~
Industries, Bhubaneswar.
The 59th INDEPENDENCE DAY was celebrated at BISWA office with traditional gay
&festivity; where in almost all staffs of the Central office took active participation.
RAJIV GANGHI AKSHAY A URJ A DIWAS was celebrated on August 25 th ,05 in
the fond memory of our beloved ex-Prime Minister
Biswa salutes the adorable pious spirit of NUAKHAI, which is a symbol of our rich heritage
of agrarian society.We wish the safe beings of this rich heritage in this instable era of heartless
industrialization.
WORLD LITERACY DAY was observed on 08 th September '05, meeting was chaired by
Sri K.C. Malick, Chairman BISWA.
The I 37th BIRTH DAY OF MAHATMA GANDHI was observed at central office of
BISWA on 2nd October 'OS, On this occasion Mr. Isan Gill, Senior Portfolio Manager, IFAD,
lighted the lamp before the portrait of Mahatma Gandhi.
INTERNATIO AL WOMEN'S DAY was celebrated by BISWA on March 8th, 2006 at
its Conference hall. Dr. Narayani Panda & Dr.Diptibala Pattnaik, renowned women of reputation
joined the function as guests on the occasion. Ms. Amulya Sahu, Mrs Subidha Bag and Ms.
Tapaswini Singh, were felicitated by BISWA for their outstanding performance in SHG
mobilization and helped the women to be self sufficient.

Family Counseling Cefltre (FCC), Conducted two nos of awareness meeting on 28th April and 23 rd May 2005
atTelecom colony, near farm road and Anganwadi Center of Cheruapada, in Sambalpur Municipality area. In
this awareness meeting both counselors Ms. Mousumi Nanda and Ms. Rashmi Sharma elucidated various aim
and objectives of family counseling.
Participated in District Natural Calamities Committee (DNCC) in the conference of Sambalpur Collectorate
on 20'" May .Mr.Vishal Gagan,lAS Collector & District Magistrate Sambalpur, presided over the meetings. Mr
Ungaraj Dash participated in the above meetings on behalf of BISWA
TheAnnual Review Cum BDP Preparation Meeting of BISWA- CARE-CASHE Project was held at Panthanivas.
Sambalpur on 25 th and 26 th May 2005.
The District Level Coordination Committee of NGOs was held at the Collectorate conference hall on June
22-. which was chaired by Mr.Vishal Gagan, District Magistrate & Collector, Sambalpur.
The District level Agricultural Mass Media Committee Meeting took place on September 2nd at the Collectorate
Conference Hall. It was chaired by Sri Ram Ch. Swain, D.D.A Sambalpur and Sri S.P. Meher, PRO, BISWA,
partidpated as a resources person.
The BAGB- CARE Partnership Interface Program for GOs/NGOs and Bankers was held on September 13'" at
DRDA conference hall of Sonepur. Sri S.P. Meher, PRO, BISWA, Participated in that program on behalf of
BlSWA.
The Executive Committee meeting of Zilla Swasthya Samiti, Sambalpur, took place in the Collector's Chamber.
5riVishal Gagan,lAS,the Collector and District Magistrate, Sambalpur graced the event as the Chairman of the
committee. Sri S.P. Meher, PRO, BISWA, participated in that program on behalf of BISWA.
A meeting of District level Coordination and Guidance Committee under DRIp, Bargarh District took place
on September 19th in the Chairmanship of Sri Jyoti Prakash Das, lAS, Collector and District Magistrate, Bargarh.
A zonal level consultation meets on operationalsing the "Right to Information Act 2005" and Consumer
ProteetionAct, was organized by Adivasi Social & Cultural Society, Kuchinda with the support of federation of
Consumer Organization of Orissa, Cuttack on 30th September 2005 at Collectorate Conference hall. Sri K.C.
Malick, Chairman BISWA was attended the meeting.
An emergency meeting of District Natural Calamity Committee took place on March 4th , 2006 under the
chairmanship of Sri Vishal Gagan, lAS, District Magistrate & Collector, at the Collectorate, Sambalpur. Sri
Pltabash Sethi.Secretary and Sri Shiv Prasad Meher, PRO, BISWA represented in it on behalf of BISWA.
A Training programme for the counselors of Family Counseling Centers in Orissa was held
Hyderabad from 29 th march to 3 rd April, 2005 organised by Prajwala.
Participation in Refresher Course on FAMIS-Plus on 20 th to 30 th March at Bhubaneswer orpnized
by CARE-CASHE(Orissa)&BASIX.
A Training program on Disaster Risk Management was organized jointly by UNDP/OSDMA a

Sambalpur DistrictAdministration jointly from 29.03.2005 to 05.04.2005 at Dhankauda Sebashnm
School, Dhankauda. Mr Amlin Pattnaik, Representative of UNDP inaugurated the training program.
A national level workshop on HIV/AIDS was organized by DIAKONIA at Panthanivas. Purl from
June 24 th to 26 th last. Sri Pradeep Kumar Mohanty & Smt. Bithika Panigrahi attended the workshop
on behalf of BISWA.
Participation in NISIET training organized by NISIET, Hyderabad with support from NABARD.
Bhubaneswar from 13 th to 15 th June. Mr Dharmendra Padhi, on behalf of BISWA participated In this
programme.
A sentitization Workshop on Establishment of Mahila and Sishu Desk in Sambalpur distria
organized at Collectorate Conference Hall on August 24 th , 2005. Sri Shiv Pras~d Meher. PRO and
Ml' Mousumi Nanda, BISWA shared their experiences in running family counseling centre.
Participation in micro-finance Workshop organized by Mission Shakti on September 2""
Bhubaneswar.
Training program on Micro Enterprise was organized at Oneness Centre of New Delhi from I to
3rd September, 2005, sponsored byTimes T Foundation, New Delhi.
Two days workshop on "Internal Audit & Control" was organized by FWWB at Manage Campus
Hyderabad from 6th & 7th October 2005. Mr Dhruba Ch. Panigrahi, District Coordinator, Boudh
Chandra Sekhar Pradhan, District Coordinator, Deogarh participated in it on behalf of BISWA.
Orientation Workshop on National Rural Health Mission(NHRM) was held at VSS Town Hall
Sambalpur on 14th November. Mr S. P. Meher (PRO) participated on behalf of Biswa.
A state level training program on "Combating Biological Disaster like Epidemics, Pest Attacks, Food
Poisoning and Contagious Diseases" was organized by Gopabandhu Academy of Administration,
Bhubaneswer from November 17 th to 21 th, 2005. Sri Shiv Prasad Meher. PRO, BISWA participated In
it as the Team Leader of State Disaster Response Team and Joint Secretary of Indian Red Cross
Society, District Branch Sambalpur.
NABARD, Bhubaneswar organized a 3 days workshop on District Rural Industries Project from 6
to 8th February, 2006 at Hotel SheelaTower, Sambalpur. Sri G.P. Nahak.Asst. PRO-BISWA represented
in the program on behalf of BISWA.

On 23n1 & 24'" May, BISWA organized a two day training program on Enterpreneurship
Development for BISWA-CARE-CASHE staff of Sambalpur district. In this training program
Mr. Ashis Kumar Sahu and Mr. Dharmendra Padhi were the resource persons. Mr. Bisnu
Panda Partnership Coordinator of CASHE and District Manager BAGB were present in this
program.
A 0 days capacity building program for BISWA staffs was organized at Deogarh district on
August 6"'. Sri K.C. Malick, Chairman, BISWA, graced the occasion with providing his precious
speech to the staffs of Deogarh District.
A training programme on Management Practices was organized at our central office

conference hall on August 28'" OS, Sri K.C. Malick, Chairman, BISWA explained various aspects
of Management Practices in his efforts to add some input in the mind of participating office
A nlng program on Sisal Fiber WeaVing was inaugurated on October 5'" 2005 at Hatibari.
r.S. AJinha. DGM, NABARD, Bhubaneswar, inaugurated the training program.
three days training program on 'Women Entrepreneurship" was organized at BISWA

office, with the support of Newano Peace Foundation (NPF) from 26'" to 28'" October
2005, In this three days training program the various aspects of women entrepreneurship
Its role on the development of the society was discussed. 20 numbers of trainees
dpated from Maneswar block of Sambalpur district.
SlSWA conducted a two days training program on Microplan & Participatory Rural Appraisal
(PRA) atAntapali villages of Maneswar block on 23 rd & 24'" November with the supports of I
PF.japan.Sri Umakanta Pati PrOject-In -Charge welcomed the guest with lighting the lamp.
SrI Subhendu Mendli, programme Officer BISWA facilitated the participants.
A two days training program on "Financial Counseling" was organized by CARE INDIA, at
our Central Office ball on 14'" & 15 th November.
Grain Bank Management training was organized at our Central Office with the support of
CARE India from 15'" to 16'" November, 2005. Initiatives to establish a Grain bank at
jhankarbahali in Maneswar Block.
8ISWA's one of the primary objectives is to prOVide training on various aspects. In this
·~nnt!Ction a leadership Development Training program was organized at Jammujhari in
block of Deogarh district.
On 28 th April 2005, Director of Handicraft Mr. P.K. Tripathy visited Bamboo Cluster Training
Program ofJhankarbahali village of Maneswar Block, S~mbalpur.There he distributed certificates
among the trainees who had completed six month training on Bamboo craft designing successfully.
On 18th April 2005, An Emeritus Prof Malcolm Harper, a greatest contemporary development
professional and expert in Micro Enterprises and Micro Finance, visited BISWA for one day and
interacted with the management team &staff.
Mr.R.Sinha of NiMble visited BISWA, As the business development plan of BISWA clearly
envisages formation and promotion of mutual benefit trusts (federations of SHGs) and
establishment of an Micro-Finance Institution(MFI) in the form of a Non-Banking Financial
Company (NBFC) having its own legal entity, it entered into an agreement with NiMble Systems
Pvt. Ltd.• New Delhi
The SIDBI officials visited BISWA during the month of August and interacted with office and
field Staff on future plan of action of the organization.
Mr Deepak Kindo and Miss. Amrita visited, BISWA from 21 st to 24th of July 05 to observe
micro-finance operation.
Mr Sudhir Narayan of CRISIL, Bangalore, visited BISWA to rate as per CRISIL norms in the
month of August. 2005.
Executive from NEWANO PEACE FOUNDATION (NPF), JAPAN visited BISWA and visited
the field area on 20th September 2005, where they observed the developmental and progress
of the project villages taken place during the period.
Mr. Manas Ranjan Rai, General l'1anager, Mahila Vikash Sambaya Nigam(MVSN)and his wife paid
a cordial visit to the central office of BISWA on October I st. 2005.Mr Rai expressed his views
on the concept of Self Helf Group and Mission Shakti, which work for the upliftment of women
and their empowerment.
Mr.lsan Gill, Senior Portfolio Manager, International Fund for Agricultural Development (IFAD).
paid an official visit to BISWA with Mr. Atul Rostogi. Assistant General Manager (AGM).
SIDBl,Bhubaneswar, on 2nd October 2005.
Sri Biraja Prasad Mishra and Sri Damodar Ratha, renowned personalities from Bhubaneswar
visited BISWA on February 3ed 2006 to enhance support for on going microfinance program.
Ms.Nirjaharani Ratha, Mr.D.J.Kenedy and Mr. TlThomas, officials from Functional Vocational
Training Forum (FVTF) & NVTSvisited BISWA on February 4th , 2006. They have visited our
project areas, Bamboo Training cum Production centre at Jhankarbahali village in Maneswar
block,CFC centre and interacted with the beneficiaries.
Sri M.D. SarifAsst.AGM and Sri Hari Mohan Malick, B.M from Bank of India, visited BISWA on
19d\ February 2006. During their visit, they visited different Self Help Group, of Dhankauda
federation and also visited a poultry farm of Dungarpali.
Mrs. & Mr.V.Nagarajan ,the renowned personality of India visited BISWA on I I th March 2006.
They studied the structure of BISWA for installation of computer software for better functioning
of microfinance program.
Mr. Jaan Meissner, a research scholar from GTZ-Germany visited BISWA, sponsored by
NABARD, Bhubaneswar for six days.

A massive campaign was launched by BISWA SHG members ofTirtorl Block,jagatsingpur District, with the
leadership of Sri Kedar Sahani the District Coordinator. On safety measurement to be taken in the scorching
sun and be safe from sun stroke.
On 14th Maya cleaning program of Ring Road, Sambalpur was organized by Ring RoadVikas Samiti, Sambalpur.
34 different organizations of Sambalpur, Bargarh and jharsuguda voluntarily participated in this cleaning
program including BISWA.
Sri Shiv Prasad Meher ,P.R.O-BISWA was deployed as the Team Leader to lead a State Disaster Response
Team of Orissa State Branch of Indian Red Cross Society for mid term assessment and evaluation of
ongoing Livelihood Restoration Project in Balasore district of Orissa
State Institute of Health & FamilyWelfare organized a 2 days orientation program on Reproductive & Child
Health (RCH) Phase II on II 'h and 12'hFebruary, 2006 at Nayapalli. Sri Pitabash Sethi. Secretary, Sri A K.
Satpathy, RCH Coordinator participated in the workshop on behalf of BISWA.
Gangadhar Muguri, a member of BISWA- SHG Stationpada Group No.12 succumbed to normal death on
22.01.2005. He was insured under the janashree BimaYojana, a group scheme of Life Insurance Corporation
of India.The case was settled and the claimant received the insured amount of Rs 20,000/- on.dt.06.08.2005
vide a cheque.
Another jBY Uanashree Bima Yojna) scheme was also settled and a cheque of Rs 20,000/- given by
Mr.Gupta.DO, L1C to the nominee of late Kastu Biswal of Dhubulipathar village,Deogarh district.
A program on Distribution of scholarship under jBY scheme was organized on November 7'h by the SHG
members at DPEP hall of Rairakhol. The main objective of the programme was to make aware the SHG
members about Insurance policies.
IDENTIFICATION AND FOLLOW UP CAMP ON DISABILITY
Disability is not a curse but it can be healed with proper care and involvement of community. BISWA
and District Disability Rehabilitation Center (DDRC) jointly organized "Identification and Follow
up Camp on Disability" camps in different blocks of Sambalpur District. Both community awareness
and Parent Counseling programmes were conducted in these camps.
Date Name of P~ace Total Checked
11.04.2005 Garposh PHC 65
13.04.2005 TangarpaliAnganwadi Center 36
15.04.2005 Keseibahal Anganwadi Center 39
18.04.2005 B.R.C.Bamra 29
20.04.2005 Ardabahal 47
22.04.2005 Gochhar Anganwadi Center 20
26.04.2005 Tansar Anganwadi Center 64
27.04.2005 B.R.C.Kuchinda 24
ALTH CAMPS ORGANIZED BY BISWA
I 0 Date of Place No of person~ checked

01 07/04/05 Sakhipara, Sambalpur 313
02 03/05/05 Jhankarbahali 81
03 09/05/05 Budapada, Maneswar Block 45
04 14/05/05 Tangarjuri, Maneswar block 74
05 06/08105 Bolaranga 127
06 08108105 Matikhai 109
07 10/08105 Kankudipali 113
08 12108/05 Jhankerbahali 139
09 13/08105 Kundebahal 117
10 14/08/05 Balibandha 537
II 17/08105 Mendlipali 245
11 20108/05 Budapada 154
13 23/08105 Sambalpur Municipalty 322
29/09/05 Raitarn 700
30109/06
EYE CAMP
th
On 25 August OS, a meeting was organized at the office of District Blindness Control Society
Sambalpur to observe 20 th National Fortnight Eye Donation. Dr Sunder Ray, ADMO, Sambalpur
presided over the function, wherein Dr.Dani detailed the importance and procedure of eye donation.
1856 patients were treated ,n various eye camps in BISWA

1626 patients were provided with medicines for their treatment
840 patients were provided with spectacles (glasses)
362 eye patient were operated in the eye ward of district head quarters hospital
562 cataract cases also operated
Mr. Shyam Sunder Agrawal, President of Lion's Club, Sambalpur also spoke to the organization and
shed light on the role of this club in blindness controlling activities. During these three years more
than 2000 persons have been benefited under this program. Checking of status of the eyes, replacing
intraocular lens, providing eye glasses, medicine: all at no cost basis form major components of the
program.
HEAUNG TOUCH
to celebration culminated in a tragic end when a mini truck carrying a marriage party of 92, met with a severe accident on 6'"
2005 near Kadlipali. Six persons died on the spot and other 7 persons later succumbed to their injuries in hospitals.
rescued a poor child named Raju who was laying at Sambalpur Railway Station.
~ provided relief for a fire hazard victim, whose house was completely gutted down by a hazardous fire at Bhabanipali villages of
:)~~un block on June 17th 2005. Mrs Sangita Mishra, MIS coordinator, distributed food and clothes as relief materials on behalf of
."It$W~ on 2&'1' last.
tIood In the wee hours of Sunday, July 31 st forced many inhabitants of low area in Sambalpur to take shelter at camps organized
et administration. BISWA distributed food and other necessary materials to the helpless in the camps.
If
OBITUARY
Kandha Chhatria set out for his heavenly abode on dt 19.04. 2005, Jhakarbahali.
Fate snatched away Narottam Karmi on August 1",2005 from us. He was driving our tractor as an inmate
in the farm at Hatibari Health Home.
Hatibari Health Home
Padmashree Dr. Isaac Santra, an eminent Gandhian social worker established an

Ashram for the persons affected by Hansen's disease: leprosy; at Hatibari in the
year 1951.The centre was named after the Village: Hatibari Kusthashram which
later came to be known as 'Hatibari Health Home. After the demise of the
great soul Dr. Santra in August 1968. the management of the Home came under
the control of Hind Kustha Nibarini Sangha (HKNS). a national organisation workinc
for identification. treatment and rehabilitation of leprosy cured persons hlMnc
His Highness the President of India as its national Chairperson and His Excellency
the Governor of Orissa as its Chairpersons for Orissa state. The Sambalpur
chapter is chaired by the Collector & District Magistrate. Sambalpur with the District Social Welfare Officer as the SecreQry cum
Treasurer and the Chief District Medical Officer as members along with other eminent social workers. The Home provides an
opportunity to the leprosy affected as well as cured persons to lead a normal life with self-respect. dignity and without a feelina of
being social'ly excluded. The infrastructure available at the Home. viz. the cultivable land. the industrial sheds (for blacksmlthyl rope
making! tailoring! handloom weaving). the pisciculture ponds and the orchards provided them to work with confidence and aoppor:cunIty
to lead a respectable and dignified life. However after the departure of the great soul. the maintenance of the infrastructure went down
gradually with a deepening of morale. self confidence among the inmates.The situation was viewed seriously and discussed several time
in a series of meetings of the management. Subsequently DHKNS advised BISWA to take over the productive idoIiDUon of the
infrastructure available at the Home vide their letter No. 990 dated 24.05.2003 and BISWA entered into an agreement with the
DHKNS on 21.07.2003 to take over charge of the Home under terms and conditions mutually agreed and laid down in the qreement.
QESCRIPTION TOTAL
Total land under possession of the home
without any title deed or demarcation 563 acres 561 acres
Less: Land cultivated by 82 families
staying at Negative pada Colony (colony of
leprosy cured persons) Less (-) 102 acres 461 acres
Less Used as residential colony by Negative
pada people, Barracks, Kitchen, Hospital,
roads etc. Less (-) 149 acres 111 acres
Less:Area under forest coverage Less (-) 200 acres 111 acres
,Less 4 tanks Less (-) 26 acres 16 acres
Land available to BISWA for agriculturel ---====:::::\ :=--===~--~I
horticulture purposes 86 acres
The agreement says:

The Organization is permitted to raise funds from the State! National! International agencies for the productive utilization of said
items mentioned in Para-I above as well as for the Care.Training and Socio-economic rehabilitation of the Leprosy affected peopIe.The
Organization can take up commercial plantations/medicinal plantations. in which case authority will consider to extend the lease as per
the required period after reviewing the productivity and commercial viability and income generating capacity of the said plantacion
well as the conduct of the Organization in adhering to the terms and conditions of the lease deed.
H e: PRESENT STATUS AT THE HOME:
• Cultivable land-I 02acres Presently the Home has 192 inmates out of which 97
• Industrial sheds (for blacksmith! rope making! tailoring! handloom are male and 95 are females.Total strength of the Home
weaving) is as per mentioned below:
• Pisciculture ponds- 4nos. By the Dept. ofW&CD and Panchayati raj : 148
• Orchards and By the Dept. of Health: 46
• acres of forest land The home has the follOWing facilities available:
These resources were provided to them to work with confidence and an 20 bedded temporary hospitalization ward
opportunity to lead a respectable and dignified life. ( Male: 12 Female: 8 )
However after the departure of the great soul, the maintenance of the Staff quarters 4 nos.
infrastructure went down gradually with deepening morale and self Industrial sheds 4 nos.( out of which 2 are abandoned)
confidence among the inmates. After being cured, they started going for Tube wells 6 nos.
begging for self sufficiency because the quality of food and clothes given to
PENSIONS: Old Age Pension Beneficiaries: 505
them was not good.
(inclusive resident of Santrapali)
CLOTHING: Supplied yearly by the ADMO (PH)
The situation was viewed seriously and discussed seveal times in a series of
meednp of the management. Subsequently DHKNS advised BISWA to take STIPEND: Provided to each beneficiary by BISWA
over the productive utilization of the infrastructure available at the Home @Rs. 250/- per month irrespective of their place of
vide their letter No. 990,dated 24.05.2003 and BISWA entered into an work, whether in the industrial units, in kitchen or
agreement with the DHKNS on dated 21.07.2003 to take over charge of elsewhere.
the Home under terms and conditions mutually agreed and laid down in the SHG : 4 Self Help Groups promoted by BISWA (I
agreement. at the Home and 3 in Santrapali and 3 SHGs promoted
I Home: by ICDS, Dept. ofW&CD at the Home.
• Rmval of IOduWial actiVities: The inmates have revived their gainful ELECTRICITY: Connected
employment and thus got back their sense of self respect, dignity and
hope of life. TEMPLE: A temple of Lord Jagannath and another of
• Improved the qualitY of food: Given Rice, Oat and Curry. Lord Shiva has been built by the inmates by
• Enhanced stipend to Rs 250! per t,ead contributing labour.
• Imparted training in handloom weaving to inmates. COMMUNITY HALL: A community hall has been
• Imparting training in Candle making to inmates donated by the then Rajya Sabha member Sri Sanatan
• Imparting training in Sisal weaving to inmates Bishi (Presently Hon'ble MLA , Rairakhol)
• Cultivation in the land available to the organisation as per the agreement.
Previously the cultivated area was only 5 acres, whereas by efforts of DIET: The diet of the inmates is managed by the
BISWA another 81 acres have been brought under productive utilisation. ADMO, (PH) Sambalpur, provided by DHKNS @ Rs.
Credit linkages have been established with formal financing institutions 10/- per head per day. Rice, dal and cooking medium is
for extension of credit to the members of the SHGs under DRI scheme prOVided with this money. Dead tree branches/ dry
of State Bank of India. Hatibari. wood serve as firewood for cooking which is collected
by the inmates themselves from nearby forest area.
Inmates cook for themselves and are also given stipend
by BISWA @ Rs. 250/- per month.
Staff at the Home: Present Condition of the Health Home:
o The condition of industrial unit is half broken and
Medical Officer
rusted, production is very slow.
in Charge I no.
o The pisciculture ponds are in silted condition
Medical Officer Weaving the future:
o The orchards are not properly maintained
THWard I no. SisaJ fiber work
at the Home • The forest is used for fire wood collection only.
PhYSiotherapist I no.
o The residential series of halls are in damaged

Staff Nurse I no.
condition (leak up in rainy season & too cold in

Ward attendant I no.
winter).
Dresser I no.
Driver I no.
• The kitchen needs immediate repairing
Peon I no.
o No irrigation facility for winter cultivation, so that
Sweeper I no.
large area of cultivable land lays uncultivated.
Senior Clerk I no.
o The distance between kitchen and residentiall area
From BISWA
is too long, the approach road needs improvement
Adding hues
Project Officer I no.
to the light: o Industrial unit is also too far from the
Field workers 7 nos.
making candles residential unit.
Present Condition of the Health Home: Proposed steps for sYstainability :
• The condition of industrial unit is half broken As the lease period is enhanced for another 3 years.
and rusted, production is very slow. BISWA has proposed certain activities with an Intention
to make the home a self-sustainable.
• The pisciculture ponds are in silted condition
• Agro-forestry will be the prime area.
• The orchards are not properly maintained
• 5000 plantation in the existing forest land and orchards.
• The forest is used for fire wood collection only. • Provide adequate infrastructure facilities such as
irrigation! water harvesting structUre! repair of sheds
• The residential series of halls are in damaged
roads for better yield from the fields
condition (leak up in rainy season & too cold in
winter). • Imparting vocationall skill development training In more
meaningful manner.
• The kitchen needs immediate repairing
• Renovation of existing infrastructure for the Trainiftl
• No irrigation facility for winter cultivation, so cum Production Center
that large area of cultivable land lays uncultivated. • To install 3 phase electrification for Industrial activities.
• The distance between kitchen and residential area • Development of Product catalogue
is too long, the approach road needs improvement
• Plantation of more species of plant for maintenance of
Biodiversity
• Industrial unit is also too far from the residential
unit. • Capacity building training to the inmates
• Unkage with tourism to attract tourist to the panoromIC

site in the Home area.
Immediate Requirement for the Home:
• Construction of sales and parking centre by the auchOlritY.
• Immediate repairing of the Industrial,
Residential and Kitchen units. • Construction of illuminated hoardings to
travellor at night
• Renovation of the Pisciculture ponds.
• Proper maintainence of Orchards and more

varities should be planted
• Medicinal plants should be planted for benefit

of the inmates
• Irrigation facility for winter cultivation
• Training of the field workers and formers for

proper maintainance and management of
agricultural land and productivity.
• Capacity building of the inmates

rp1R:sGR-il"M£
LD LABOUR
_ _~. 81SWA .Satnbalpur .
_1IHllIUII_.81ItlTf .l1IIINId
Promising ourselves a world free of child labour_

BISWA in action for AIDS awareness
Creating awareness on the issue
:--'I..-.:JD
Creating a common understanding. Health & Hygiene; BISWA's prime concern
senstizing the bankers on micro-finance Total Sanitation Campaign at Baduapali of Sambalpur
;.lI:Jl"Jnl
~~....C:::IV' I
Itt-
Giving women entrepreneurship a new dimension Adding value to a fiber: Trainees of Sisal Fibre Weaving Training program
.
at Hatibari Health Home (The trainees are inmates of the Home)
I
Minimizing risk; covering under insurance_
e ern
An awareness drive at Rairakhol for life insurance official members seen with the Federation Officer BISWA and
staff members of Gram Utthan, a leading MFI of Orissa
Mrs.Jayashree Mahanti. GB Member BISWA inaugurating A proud manifestation...The sign board
a rural based entreprenurial effort at Antapali of the Antapali clothing shop
A furher step in encouraging handicraft enterprise: NABARD NABARD supported training programme on Brass and Bell
supported Dhokra Cluster being inaugurated at Angul Metal at Katapali.Bargarh
SHG members busy in monthly meeting We Encouraging SHG Mela for better Group Interaction
;'
We awarded Women In Women's Day We Respect Basic Value of Humanity

Clockwise from top left
• Bharat Daeshan Award 2004 conferred to

Sri Khirod Chandra Malick, Chairman,
BISWA in recognition of his outstanding
contribution in the field of social service.
• Certificate of Execellence, MPEA 2005 jointly

conferred by PlaNet Finance and ABN
AMRO Bank. ev.
• Micro-finance Process Execellence Award

2005 conferred to BISWA
• A memento for participation in the State

Level Micro-Finance Convention, Orissa.
• Micro-finance Process Execellence Award

2006 conferred to BISWA by PlaNet Finance
and ABN AMRO Bank, ev.
• An award conferred to Sri Khirod Chandra

Malick, Chairman, BISWA from The Forum
for Fact-finding Documentation and
Advocacy (FFDA) India
• Certificate of Participation in 3rd State Level

Micro-Finance Convention, Orissa.
QEHWL BODy (21 members)
!
.
CHAIRMAN
! .
(ChiefFWlCtiormy)
SEWIARY ~HIEF QEERAIING OFFICER

(On behalfofthe Management) (Posted as Chiefto head the organization)
. Staff
HRD Training . Insurance CFO PRO Admn. Secy. Consultant icro·Finance
urnent
State Coordinators
•
Zonal COfrdinators
rs
..
a
ACKNOWLEDGEMENT
persons and institutions to have extended a helping hand, to have enhanced our spirits, to have corrected our follies. to".: .
BISWA has definitely taken a step forward in fulfilling its mission, materializing its vision.We sincerely acknowled&e CHlrl;a.iliUidIi:llIf_
measures, to have supported us financially, technically and morally. It is the appreciation. the support, the cnuciSlm ~Q1lt11. _ _
that have helped us to proceed and further the workability and functionality of the BISWA family.
We thank Mrs. Joyasree Mahanti for reposing her faith in BISWA for the Basic Needs Programme oftnbal poor ofthtt 1'I.m.;'fVtI~• •
thank Sri S. D. Mahanti for his support and guidance in implementation of the Basic Needs Programme.We thank thele~~::::=;
from USA such as Asha for Education, Rajan Family, Padmini Kama, Patria Family, & Ahuja Foundation for their con
innovative education programmes.
We express our heart-felt gratitude towards the individual donors like Sri Harekrushna Pattanaik & Sri Manohar Gopy ~ial __
their generous support for development initiative for the poor people of this region.
for micro finance programme. We would specially like to thank the CASHE team for putting there all out effort
other potential partners for institutional sustainability.
to
We thank the CARE -India (Orissa) team as a whole for providing BISWA valuable technical & financial suppon under CJ~.'Il*'ill"':f
1inI~ B"'.~~.
We sincerely thank Mrs. Pramila Malick, Hon'ble Minister of Women & Child Development, Orissa. for her teind
areas and valuable suggestions towards socio-economic development of the deprived section of the society In
We sincerely thank to Mr. Vishal Gagan.IAS, District Magistrate and Collector, Samba/pur and his entire admin stratfve . . .tlblt:
active involvement towards convergence of the development programmes in our project areas.
We sincerely thank to Mr Ashok Dalwai,IAS, Revenue Divisional Commissioner,Northern Division,Sambalpur ro.-
to our Organisation.
We would also like to thank the entir~ team of Newano Peace Foundation, Japan & their consultants In Ind
towards sustainable livelihood of the poor people of the region.
We thanks to Mr R. Sinha of NiMble Systems Pvt.Ltd,New Delhi for his involvement in the promotion of mutual
establishment of an Micro-Finance Institution (MFI) in the form of Non Banking Financial Company (NBFC).
bel_It,.
We thank Mr D.J. Kennedy, Mr.T.J.Thomas & Ms Nirjaharani Ratha of FVTF for their all-mund support towards en1trel~iII
development of the unemployed youth of the region.

We sincerely thanks to Sri M.D.Sarif ,Asst.AGM and Sri Hari Mohan Malick, B.M. from Bank of India for their ViSit to
Group and kind support for the promotion of micro-finance.
We thank to Mrs & MrY. Nagarajan for their visit to BISWA and installation of computer software for better functioni
program.
We thank to Mr Jann Meissner, a research scholar from GTZ-Germany to study the microfinance of BISWA.
We sincerely thanks to Prof Malcolm Harper, development professional for his visit to BISWA and guide the m&iRillLWl-itili
We would like to thank Mr Isan Gill, Senior Portfolio Manager,lnternational Fund for Agricultural Development (
Rastogi(AGM),SIDBI for his visit to BISWA office and encourage micro finance activities.
We thank to Mr Sudhir Narayan,CRISIL,Bangalore for rating BISWA microfinance activities, Mr Deepak Kindo & Ms:Alnrita1
visit to see microfinance activities.
We would like to thank Mr Manas Ranjan Rai (GM) MVSN for his cordial visit to BISWA microfinace activities and d-o' - - ' ' ' '
of SHG and how it help the upliftmenc of women.
We thank Mrs. Lalita Pattanaik, UNICEF for her kind visit to our project area and providing valuable Inputs towards deI. .
region.
.,_1t)
We sincerely thank Mrs. Supriya Pattanaik - DFID for her valuable suggestions and visit to our project areas.
We thank Mr. Shashi Srivastav of ABN AMRO Bank for his support towards micro finance initiative of BISWA for
We thank Mr. C. R. Mishra. RMK for his kind support and guidance to the socio-economic development lni mDQ'Y"If''\,
We thank Sri P. KTripathy, State Director of Handicrafts for his kind support towards economic improvem t ofllMa ~1baI naortOftB
region.
We also would like to thank Sri P. K. Pradhan ,GM, DIC and his entire team for their facilitation towards sUICCtlSSfilII irnpl_lenratilon;j
the tribal economic development programme.
We would like to thank Dr. Bhagawan Prakash for his active support towards capacity building of our orpn
We thank Mr. P.K.Dhal for his active partricipation in the organisation.
We are grateful to the institutions like NABARD, RWSS, State Bank of India. BolangirAnchaJik Gramya Banlk.lancll ot:her banlcs.l~vc.1
India, Govt. of Orissa, the DistrictAdministration of Baragarh' Deogarh, Jharsuguda. Sundergarh and nne _Ml'fmlMtb
assistance in development intervention of BISWA.
At last we would like to thank our most important stakeholders. the proJect area people. without hose coapll1lltion.~aII"'t"_!'111
would have no meaning.

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BISWA

[) SOCIAL WELFARE AGENCY

6~lg eri'1'<l~, QIG<61 ~61IQl

"~" ~I~Q QIQ ~ ~ ~6U'

fl Q ~1 6~, ~6~ ~~~Q

"~" ~I'<JQI ~ ~Q ~I'<JQ

<a~~ '~' 2J1~ 6~ ~1Y1Q ~~ 6iXi'1

BISWA has done many things for us

I am old, and was starving

BISWA kindled the hope of life

Let BISWA live forever, for our well being

Letter from the Chairman

The product is our vision.

Satya & Sangita Chakrabarty

Dr. Minati Pattanayak Samuel J. & Alice Meisels

Devi & Sarojini Misra Sudarshan Mishra

Our esteemed Governing Body Members

About the Organisation

Our opeartional Area

Basic Needs Programme

7. Hatibari Health Home

9. Award and Acclamation

12 Future Plan of Action

Our Legal Entity

under the same act.

In addition to the above BISWA is also:

.;. Registered under Orissa Sales Tax Act

(0 Registered under Central Sales Tax Act

-:. Has Income Tax Permamnet Account No. (PAN).AAATA 4843 L

• Licensed to export SHG products

• Has labour license

LAKSHADWEEP Port BI."

Orissa Chhattisgarh Other states

Micro credit is a critical antipoverty tool - a wise investment in human capital.

Promotion of Federation of SHGs as Mutual Benefit Trusts

The Federations are conglomeration of SHGs; I I to 50 in number operating in a compact

Promotion of Non Banking Financial Company (NBFC)

Create a fair and level playing field for

social & financial impact on individuals; n

Maximum Length of loan, 2 years.

Micro finance Products

Collaborated with L.1.c. of India under Janashree Bima

Collaborated with Oriental Insurance for linsuring assets

(livestock. other valuables) of the clients

Hassle-free and adequate Loan

BISWA's achievements in promotion of:

Self Help Federation:

3 federations are already registered under the above Act.

Yearwise No. of SHGs Yearwise No. of Members

356 1128 3156 3212 4416 8055

Savings,Disbursement & outstanding

2004 2005 2006

I_ Savings - Disbursement 0 Outstanding I

funds deployed (A)-(B) 12.91% 10.24%

Indian economy is characterized by low rates of growth, predominance of

Soft toys making

Leaf Cup Plate Unit

Sisal Fiber Unit

Sambalpuri saree unit

Brass and Bell Metal unit Unit

Readymade Garments Unit

Tie and Dye unit

BISWA SALES OUT LET ( LAXMI PRIYA )