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With a long term presence at community level, BEES' programs tailored to specific
development needs is being fine-tuned for producing optimum social benefits. Over
the reporting period of July 2007-June 2008, BEES was successful on a great scale
to ameliorate the sufferings of the needy people through a concerted and
coordinated action by themselves. We walked away with desired attainment
through trial and error a period of learning and developing alternative user-friendly
means acceptable to the target audiences. Though BEES encountered a range of
predicaments including staff dropout and some fund constraint situations
achievement of this year reached up to a satisfactory level as per the outright plan.
through BEES has been marshaling the awareness over the years that there is no effective
gearing development unless it is sustainable. Sustainable development is a paradigm that
desire includes integrated approaches to poverty reduction by building long-lasting
human capacities at all levels of community. Shouldering this philosophy to fight
changes back poverty collectively, BEES is advancing ahead to motivate and organize the
towards target beneficiaries towards broad-based participation. Thus the wider section of
the underprivileged community of rural and urban areas, i.e., marginal farmer,
sustainable landless people and poor women are being geared for formulating development
future solustions through well-coordinated local resource mobilization.
Every development program should be committed thoroughly to work with and for the poor that they are made
alleviate their poverty by way of achieving a higher degree of self-reliance. Mulling this pivotal point over, BEES
fosters its intense philanthropic beliefs and principles into its core strategies that the neglected, unskilled and
deprived people have available access to financial and social assistance. Their inner beings are being stimulated
through promotional activities phenomenally successful such as training, orientation, courtyard meeting,
community convention, workshop, exchange visit and the list goes on. Paving the way to strengthen community
ties, thus their life skill is being developed catering to them. To bridge the gap between aspiration and action
for turning the target towards reality, BEES is syndicating the people into cooperative groups.
Ensuring planned services properly, we successfully helped the beneficiaries increase their income by
providing necessary knowledge, technical know-how and much needed credit during the reporting period. The
Microfinance Program and the Micro-enterprise Development initiative were continued to help accelerated
employment and income generation. Health and nutrition activities with racing start covered a tremendous
achievement addressing the health and nutritional status especially of women and children. The activities
implemented and lessons learned during the session have prepared the platform for the next few years of
successful operations and expansion of activities.
Since its inception, BEES is centering upon a participatory and an ever-growing social praxis for making the
target group identify, analyze and invest realistic solutions to their own problems through series of services
under the programs of capacity building, easy microfinance, credit plus services through Seba Package, water
& sanitation, quality education, legal aids, reproductive health literacy, protecting environment, building
market linkages, advocacy, network building, inclusive interpersonal communication and so on. Linking
poverty reduction with employment generation, its multi-pronged effort is promoting programs related to
agriculture & social forestry, poultry & live-stock, women empowerment, group development support, crop
storage, maintaining disaster resource fund and so forth. In this way, the BEES is sharing with the community
people for steering their own development.
Placing a blueprint for the most far-reaching livelihood development activities for neglected people, BEES is
fervently supplementing the Millennium Development Goals (MDGs). It is always in position for mounting
vehement attack on poverty counting on collective action engendered from intensive social mobilization. BEES
raises a clarion call to its target groups for being organized under its development umbrella forming
homogenous groups. Thus it is facilitating pragmatic changes through out disadvantaged community
contributing to their financial and social emancipation comprehensively. In the course of implementing
different development programs over the period of July 2007 to June 2008, we are certainly satisfied that a
markable number of the disadvantaged people became successful to translate their vicious circle of poverty
into the virtuous circle of prosperity.
In moving the pro-poor development programs ahead, the BEES has been showered with mammoth blessings
from the Almighty. The devotion, intensive interest and perseverance of all members of BEES-family for
carrying out the programs and projects successfully over the last year were the pivotal source of the desired
achievement highlighting its goal and objectives. Our development partners and other stakeholders were
being helpful wholeheartedly providing necessary financial, ethical and timely backing to our core operation.
I am determinedly grateful to our esteemed donors for whom it has been possible to initiate the programs
and projects at field level lucratively shaping well being of the target groups. Alongside, we are very much
thankful to the Policy Formulating Body of BEES who contributed with mission to forward our adventurous
and challenging endeavors towards the sustainable achievement. Simultaneously, I would like to thank them
who have worked sincerely and diligently in the several stages to bring documentary report into light.
In the end, I am hoping this initiative to publish the report on the overall achievement will be of enormous
interest to the distinguished readers to be known of BEES' community based interventions as well as will be
extolled by them as a whole.
Emerging in 1975 as a project of Christian Reformed World Relief Committee, BEES has been performing with
a great commitment to beat off bitter poverty making the disadvantaged people knit their livelihood
development. But there are no magic bullets to provide quick solution to the complex challenge i.e. winning
the war on poverty. So, BEES is devotedly striving to yield opportunity for the poor, illiterate, neglected,
unskilled and destitute people, especially the women of the society, for scaling up their life skill all along. It
is assembling different visions towards poverty alleviation steering mission for sustainable development
through their empowerment, self-reliance and improvement of lifestyle. At present, BEES is a successful,
prosperous and wide-reaching development organization supplementing to fulfilling Millennium Development
Goals (MDGs). It has been executing different programs and projects over 33 years for socio-economic uplift
of the greater majority of the rural and urban poor people letting them to gain the firmer footing on to the
road to self reliance. BEES is very much strong-minded to establish a just society in which men and women
can work together to form an institution to attain a higher degree of self-reliance in managing their own
affairs as well as to achieve a higher and sustainable standard of living.
BEES has been unlocking the value of neglected human resources through its growing diversified
development activities and stimulating their knowledge for dealing with social challenges. Participatory
dynamics and empowerment strengthens the capacity of the disadvantaged people to take charge of their
own development at the group and community level. BEES works to bring them under the same umbrella of
development and form homogenous groups to facilitate social pragmatic change through social and economic
emancipation. Any kind of destitute, displaced and deprived people are by and large the target group of BEES.
Coping with the time as well as in response to the existing problem, needs and demand, BEES has to make
changes in the criteria of selecting target group. The objectives and goals set for initiating new programs and
projects to cater to the need of the beneficiaries covering wide range of population under its development
fold often make BEES bring about changes in the criteria of target group.
Easy finance comprising savings, favorable access to credit and insurance facilities encourages the poor to
invest money in productive activities. Consequently, they get enough confidence to manage their risks better,
build their assets gradually, develop their own micro-enterprises, enhance their income earning capacity and
ultimately enjoy an improved quality of life. Keeping this key point in mind, the Micro-finance Program of
BEES helped to promote economic growth and development by creating a self-sustaining credit service among
the poor and hardcore poor over the reporting period. BEES provided three types of products and services to
its group members under the Microfinance Program:
i) Credit, ii) Savings, iii) Credit Plus Services through Seba Package
i. Credit
BEES provided credit to its group members to initiate different income generating activities. Credit operations
were carried out through a Revolving Loan Fund (RLF) in a systematic process. It provided credit to its
beneficiaries through such subprograms under Microfinance Program as Rural Micro Credit (RMC),
Microfinance and Technical Support, Ultra Poor, Financial Services for the Poorest (FSP), Microfinance for
Marginal and Small Farmers, Urban Micro-Credit (UMC), Micro- Enterprise.
ii. Savings
Savings opportunities with BEES provided members with fund for consumption, children's education,
improved nutritional status and other investment. Income from savings generated greater capacity for self-
investment, and enhanced the ability to face external shocks by the group members. It also provided security
for old age and served as a contingency fund during natural disasters when income level fluctuated.
During the reporting year 2007-08, a total of 1,03,535 members consisting of 5,839 groups received support
from BEES through microfinance program. BEES disbursed a total of Tk. 853.46 million among the
beneficiaries through different components considering various types of IGAs and the cumulative
disbursement was Tk.3902.31 million. By the end of the reporting year Tk. 465.12 million was found as
outstanding money and the recovery rate was over 98%, reveals a better performance.
If we cultivate properly we may multiply our prosperity certainly though harvesting golden tomorrow. Under
Agriculture and Social Forestry Program, BEES is implementing a range of agriculture oriented programs and
activites. Over the reporting period 2007-08, it distributed summer vegetable seeds among 1,12,902
beneficiaries against the target of 1,16,200 and winter vegetable seeds among 95,000 beneficiaries against
the target of 1,02,050 during the reference year. BEES trained its beneficiaries about some agro-based
improved technologies during the year. A total of 265 demonstration plots were set up in 265 farmers' field.
Under BEES' poultry and livestock program, disadvantaged and enterprising people are receiving different
financial and technical assistance to be self-reliant. It provided a number of services to its beneficiary
members, like training on poultry and livestock rearing and management and on other technical aspects
as per requirements, ensured credit facility as well as vaccination facility to run the program in an
effective manner.
Education lights up life through making the right a reality. It provides far-sighted view to us bringing about
pragmatic change in knowledge. So realizing the importance of education, BEES is implementing different
education programs over the years. During the reporting period 2007-08, BEES operated Post Literacy and
Continuing Education for Human Development (PLCEHD-1) and Reaching out of School Children (ROSC)
under its education program. Under PLCEHD-1 project, the number of centers was 30 and the total number
of learners was 1,800. ROSC program was operated with the age of 7 to 14 years old learners enrolling 25
to 35 students per class. BEES established 12 schools and it also formulated 12 school management
committees. Under Pre-Primary Education as Early Child Development Program, BEES operated 3 centers with
its own technical & financial resources at Sreepur of Gazipur district during the reporting period.
BEES makes it possible for more than 45 lac poor people to enjoy their right to general health care, nutrition,
food security, water and sanitation in a sustainable way within their communities. It has been conducting
various health related activities at field level. It has been continuing the activity of Community Based Health
Project in Adamdighi and Dhunot upazila of Bogra District since January 2005 by its own fund. A total number
of 78 satellite clinic sessions were organized in the project area. Through satellite clinic clients received
general treatment, medicine with low price. About 78% pregnant women received the Antenatal Care
Services during the year. They received the services on safe delivery, ANC checkup, awareness building about
child care after birth and breast feeding, and receiving Iron and Folic Acid tablet. During the reporting period,
more than 98% children received all required vaccine and vitamin-A for immunization, 100% pregnant
women and 75% other women of 15 to 49 years old received TT.
Banking on vision towards nutrition for all, BEES has been conducting community based nutrition programs
with the mission towards sustainable development. During the reporting year 2007-08, BEES provided the
core Area Based Community Nutrition (ABCN) services in 6 upazillas (Tungipara, Gopalgonj Sadar,
Muksudpur, Bhanga, Sadarpur and Madaripur Sadar) under 3 districts (Gopalgonj, Faridpur and Madaripur)
through area package # 10 of the National Nutrition Program. BEES has been implementing the activities in
those areas from December 2003. BEES has commenced to implement another package # 13 of NNP from
May'08 in 4 upazilas (Fatikchhari, Hathazari, Anwara and Bashkhali) of Chittagong district. The main activites
were mostly related to birth weight measurement and growth monitoring of children less than 2 years,
promoting exclusive breastfeeding, weight monitoring of pregnant women, ANC, care to lactating women &
micronutrient supplementation, providing assistance for pregnancy weight gain and pattern of delivery
assistance, reducing maternal and infant mortality rate, behavior change communication (BCC) forums, use
of safe drinking water, iodized salt and sanitary latrine and so on.
Fostering its development principles into its own policies, BEES has undertaken a number of initiatives in the
name of special program to promote and protect human rights at community level. BEES as a participating
organization has implemented the Social Assistance Program (SAP), phase-II and III, a sub-component of
'Social Investment Program Project (SIPP)' in collaboration with Social Development Foundation (SDF) for the
hard core poor and vulnerable group members in 264 drought and disaster prone villages of Gaibandha Sadar,
Sundarganj and Sadullapur upazilas under Gaibandha district during the reporting year. Over this year, social
mobilization, advocacy program especially on health, education and dowry related issues, legal aid services,
institution building in village level, occupational skill development training and employment assistance and
capacity building in the community were the major activities of the program.
Unlocking the value of neglected human resources is one of the main preconditions of sustainable development.
Training is an inbuilt activity within the programmatic aspect of BEES that social and human capital generation
is brought about in a pragmatic way. Under the training program BEES provided two types of training which were
Human Resources Development (HRD) training and Occupational Skills Development (OSD) training during the
reporting year. A total of 41,794 trainees received training against the annual target of 50,000. Training courses
were organized on different topics like credit and savings management, cow and goat rearing, chick and duck
rearing, beef fattening, parent breeder, mini hatchery, broiler and layer rearing, mushroom cultivation, crop
production, nursery production, fish production, human and leadership development, community operational
manual, tailoring, tissue cultured banana production, social mobilization, Development communication,
advocacy, interpersonal communication behavior change communication, accounts management, monitoring
Communication for development is not the simple transmission of information nor the teaching of skills, but
the search for a common ground, where people can agree on how to attain a decent standard of living. BEES'
Information & Development Communication activities are contributing to sustainable human development
(SHD) comprehensively through raising awareness, bolstering life skill, providing technical know-how,
developing livelihood, building vision, advising on policies and so on being associated with the core programs.
During the reporting period, IDC Cell edited and published Annual Report 2006-07; published Desk Calendar
2008 containing month planner, exclusive messages and photos highlighting its projects and programs, Wall
Calendar 2008 containing exclusive photos and highlighting the program/project activities, New Year
Greetings Card, Impact Assessment Study report of Financial Services for the Poorest; developed website and
power point presentations titled 'BEES at a Glance', 'An Introduction to Development Communication',
'Musing on Leadership' and 'Counting on Collective Action'; organized intensive network through building
consortium involving more than 20 development organizations with a view to establishing promising
partnership for submitting development programs; contributed to desingn 4 project/programs; conducted
and facilitated different trainings and workshops as per programmatic need and so on.
Making programs guided for taking target towards sustainable attainment, Research, Evaluation &
Monitoring (REM) cell is working competently providing necessary findings, guidance, feedback etc. in
time. REM cell conducted several activities with an efficient streamlined management during the reference
year. The main activities were mostly related to preparing the organizational annual progress report of
2006-2007, conducting impact analysis on Social Investment Program Project (SIPP-II), executing case
studies and so on.
Under the stewardship of gender awareness, women empowerment is the promising platform to establish a
right-based and equitable society. BEES established the Gender and Rights cell in 2006. During the reporting
period, the Gender & Rights cell organized a 3-day workshop on 'Gender Analysis and Planning' for its senior
level staff. The cell finalized the gender policy incorporating the suggestions and comments. The gender policy
was also translated into Bangla for intensive sharing and dissemination. Gender and Rights cell developed a
handbook on gender to raise basic and common understanding on gender related issues as well. As a regular
activity, the cell facilitated different sessions on gender sensitivity for the newly recruited staff generally for
Field Organizers and Unit Managers during the reference year.
BEES established on the strength of a long and successful history has been making positive impact through
its development interventions at community level to improve the lifestyle of the disadvantaged people. As
part of its commitment, BEES is pioneering behavior change communication and social mobilization in the
very participatory way taking a twin-track approach - empowering women to double the development and
making the poor alleviate their poverty. It learnt the lesson over the reporting period that an array of
concerted approaches is necessary - involving both the application of all the existing knowledge, tools and
resources that are available and intensive interpersonal communication to help discover new knowledge and
tools and to learn how to apply them in different development contexts and settings. By way of integrating
all core programs, approach and methods to expand the scope of social pragmatic change, nowadays BEES
has been translated into a unique example of gateway to human resource development.
With special emphasis on community driven activities for sustainable development in a number of innovative ways,
BEES set off in 1975 as an integrated development initiative entitled Rural Development Program (RDP) in Bogra
District. It has been implementing Poverty Alleviation Program (PAP) since 1997 well-equipped with 3 key pillars
of its development approach, such as - enhancing the scope of social mobilization, community empowerment and
effecting long-term change. With the passage of time, different development initiatives have been taken by BEES
one after another for serving the illiterate, destitute, deprived and indigent people over the years.
BEES' experiences over the years have shown that poor people and their institutions are assets and potential partners
in the search for sustainable solution to development challenges. With enough access to information & knowledge,
appropriate capacity and financial support, poor people can effectively organize in order to identify community priorities
and address existing problems. Thus, they are geared up to make stride in livelihood development. Therefore, BEES'
effort is to promote income or employment generation through life skill development for the target beneficiaries. In view
of this, counting on collective action it is conducting different programs and projects like micro enterprise lending
assistance, micro finance, poultry & livestock, agriculture & social forestry, education and so on. Bringing the
disadvantaged people of rural and urban areas under the same umbrella, BEES works to form homogeneous groups
to facilitate a sustainable change within the society through social and economic emancipation. For changing the
behavior, attitude and practice as well as improving knowledge and awareness among the target groups, BEES is
initiating inclusive promotional activities comprising training, behavior change communication, interpersonal
communication, advocacy, networking and comprehensive social mobilization constantly in the basis of need.
The broadest and most encompassing view of BEES' Poverty Alleviation Program (PAP) includes the social safety
net that shapes widespread support towards participatory development. It is building the bridge across many a
development activities like health care services, human resource development, income generating activities,
livelihood development and so forth. Awareness programs on human rights, legal support, good governance,
gender equality, women empowerment etc. have been linked up to the program implementation to make the efforts
significant, potential and well-groomed.
Community mobilization is very much important to organize and improve community participation. It is the first
building block in bringing about participatory development. BEES motivates all community members that they are
provided with the opportunity to utilize a range of skills and abilities, which improves ownership and increases
potentials among them. Keeping pace with time and existing problems, it has been ensuring its development
services through demand driven approaches for making them take the lead in development process. Thus, BEES
gives community the opportunity to analyze and discus their local situation in systematic fashion, identify
community needs and implement action plans. Its participatory planning processes help build and strengthen the
community social capital. The methods, tools and techniques needed for community participation are not new, and
includes participatory rural appraisal (PRA) like village mapping, venn diagramming, focus group discussion (FGD)
and the list goes on. This development process generally embodies such steps as diagnosis; identification of
priorities; problem and solution analysis; elaboration of action plans; ensuring fuller participation of vulnerable
groups; bolstering community organizations; and strengthening community based accountability.
With a vision to win the war on poverty as a whole, its pro-poor programs are designed properly to cater to the
beneficiaries covering the wide range of population in light of the Millennium Development Goals. Its target groups
are well-defined by the policies and strategies of each individual project committed to self-sustained development.
For instance, community people especially women of 15-49 years, children and adolescents are the direct
beneficiaries of health, MCH-FP, nutrition and education programs. In addition, men and women of 18-45 years who
have no access to get loan from commercial banks or other financial institutions are offered to accept facilities from
micro-credit program of BEES. The definition of the target groups has been mentioned categorically under each
program presentation in this report.
Capitalizing on the unique and significant strategy like Group Approach, Social Development Program
ensures contributory and active involvement from each of the stakeholder groups, promotes social equity
and bolster a base of education for the community people towards establishing a thinking society. In the
course of implementing this program, BEES created means and ways that the target groups can gain a
greater degree of success in realizing their needs, basic rights and potential to come out with innovative
ideas to survive in the society. Making its members get together into groups guided by the forward-
looking participatory approach, BEES has been providing a service package comprising awareness raising,
human resource development, and livelihood &
life-skill development through provisions of
credits, technical services, inputs and marketing
facilities. Under Social Development Program,
following flagship programs and activities are
being implemented:
X Micro-Finance
X Agriculture and Social Forestry
X Poultry and Livestock
X Education
Goal
Ensuring socio-economic up liftmen and empowering the disadvantaged people especially women through
microfinance.
Objectives
To reduce poverty, create self employment, establish equity between male & female, insure fundamental human
rights for poor, ensure sustainable development, promote livelihood development, and improve life skills.,
i) Credit
BEES offers credit to its group members to take
different income generating activities. Having
savings with BEES in one of the main preconditions
to be eligible for getting loans. Credit operations
are carried out through a Revolving Loan Fund
(RLF). This RLF consists of PKSF, bank loan,
members' savings, and BEES's own fund. A 1%
Loan Loss Reserve is kept to cover the risk of bad
debts. Loan utilization ability, savings deposit
habits, repayment of loan, financial development
and presence in the group meetings regularly allow
the borrowers to take higher loans. A Unit Office is
supposed to become self-sustaining the credit
operations. Under Microcredit Program BEES has
disbursed total Tk.390 crore and recovered Tk. 225
crore up to June, 2008.
Loan products
Rural micro-credit, urban micro-credit, micro-
finance & technical support program, ultra poor
program, financial support for the poorest , micro-
finance for marginal & small farmers program,
seasonal loan, and micro-enterprise development
program loan, etc. Key components and products
of microfinance program are given bellow:
a) Rural Micro-credit (RMC)
Rural Micro credit is one of the major interventions of BEES. Presently Micro credit program of BEES is on
going in 28 districts covering 140 upazilas throw 90 unit offices. Under this program, a total of Tk. 188 crore
has been disbursed as loan and about Tk. 167 crore has been realized. The recovery rate was 99%.
Moreover, BEES has been providing credit to the ultra poor with motivation and skills development training
so that they can become self-employed on a sustainable basis. A total of 450 beneficiaries received training
g) Micro-Enterprise (ME)
BEES observed many small entrepreneurs, craftsmen and skilled workers in the rural areas struggling hard
to overcome their sufferings due to scarcity of capital; so, BEES realized that financial support to them would
help promote their business and thus enhance development initiative including subsequent employment
opportunity in the rural and urban areas.
Micro-Enterprise Development Program is not completely new in BEES, though formally started in 1994.
Primarily in the early phase of its evolution, the program was initiated with the support of 1 million taka in
small pocket in Sherpur upazila under Bogra district.
The result was very positive, therefore, from July 1997, it was promoted in other potential BEES micro-
credit intervention areas to support small entrepreneurs under micro-enterprise development program.
The loan provision of this program was from Tk 30,000 to 3,00,000 (US $ 429-4286). Under this program,
a total of Tk.57.57 crore has been disbursed as loan and about Tk. 51.07 crore has been realized. The
recovery rate was 99%.
ii) Savings
The collection of savings is an important part of credit operation; and the regular savings of a group indicate
a better discipline in the group's credit operation. From the members' point of view, savings represent an
opportunity to save a lump sum amount of money and earn profit for them, which they cannot avail of from
the formal market or any regular financial institution. Savings opportunities with BEES in future will provide
members with fund for consumption, children's education and other investment. BEES members deposit two
types of savings:-
a) Weekly savings
Every member deposit minimum Tk. 20 /- per week as a weekly savings. It is a compulsory savings for the
member. BEES gives 5% interest for this savings. When members are interested to leave the organization
they get back their entire savings.
b) Emergency savings
This is an additional savings for the members. Members can deposit minimum Tk. 10/- every week as an
emergency savings. Members can withdraw this savings in any time and any purpose. By the end of the
reporting year it was found that the savings balance was Tk. 150.32 million deposited by the clients.
Insurance
The insurance provision is almost similar. Any of the group members of BEES are eligible for insurance service.
Without an insurance policy the credit program may face problems in recovering the outstanding loans from
the borrower's successors in case of death. BEES has introduced the insurance policy to mitigate this problem,
which ensures borrower's scheme and high repayment rates. BEES covers the borrower's death risk and their
husbands. BEES's insurance service provides a capital some of Tk. 5,000-20,000 (US $ 71-286) to the
nominee of the deceased and Tk. 1,000 is given to deceased member's family as a funeral cost.
The paramedics of BEES under Seba package are providing following services:
X Delivering essential drug based limited curative cares;
X Helping for contraceptive selection and adopting birth control method;
X Delivering Ante Natal Care (ANC) and Post Natal Care (PNC) for the pregnant women. Identifying
pregnancy related complications and early risk-delivery through routine close follow-up and checking B.P.,
urine sugar and albumin;
X Motivating to participate in EPI (Expanded Program on Immunization);
X To raise awareness for personal hygiene, nutrition, and population control; and
X Motivating the beneficiaries to participate in the National and International Health Days like National
Immunization Day (NID), World Health Day, and World AIDS Day etc.
Till end June 2008 a total of 43 paramedics were working in HSA. An MO from BEES central office worked for
2 days in a week in the Static clinic of Urban Area Office, Dhaka and rest 3 days through intensive field visits
to supervise the paramedics at satellite and static clinics and monitor activities therein. During the reporting
period HSA was implemented among the group members of MF from 2,397 villages/wards of 484 unions of
143 upazilas of 26 districts with their family members. At the end of June 2008, a total of 103,535 members
(females 97,692 and males 5,843) formed a total of 5,839 groups (5,157 female groups and 682 male
groups) were served by HSA.
The target beneficiaries receive the above services and other health related services through group meeting
and static and satellite clinics established by BEES making them 'Human capital' in production.
Achievements
During the reporting year BEES stuck to operate its microfinance program smoothly due to happened flood
and cyclone Sidr. Beneficiaries lost their crops, wealth, capitals, income generating projects so that they were
passed untold sufferings and were unable to pay installment of loan and to deposit for savings. BEES handled
to overcome the situation through its proven experience and dynamic management. During the year a total
of 1,03,535 members consisting of 5,839 groups received support from BEES through microfinance program.
BEES disbursed a total of Tk. 853.46 million among the beneficiaries through different components
considering various types of IGAs and the cumulative disbursement was Tk.3902.31 million. By the end of
the reporting year Tk. 465.12 million was found as outstanding money and the recovery rate was over 98%,
reveals a better performance.
BEES field workers organize meeting with group members once a week to collect the installments against the
disbursed loan, individual savings and to discuss different social and technical need based issues like family
planning, social awareness, various IGA activities, plantation, women right's and gender equity,
disadvantages of dowry and early marriage, utilization of indigenous resources, etc. BEES also established
linkages among the enterprises, different money lending institutions, raw material suppliers, buyers,
shopkeepers, salesman, and other GO/NGO stakeholders.
Other planned activities under the micro-finance program such as auditing of the program activities by the
internal auditors, annual auditing by the external audit firm and regular monitoring and supervision of the
activities were found completely satisfactory throughout the year.
From the very beginning, BEES has been integrating Agriculture and Social Forestry program with the
mainstream development initiatives. The program under Bogra Rural Development Project (BRDP) was
initiated with dynamic endeavors at the backdrop of a drastic food crisis in 1975. In response to the need of
target groups, it covered such need based activities as research and development (R&D), training of farmers,
input service back up and so on. In the course of time, the Agriculture and Social Forestry Program has been
more integrated and extensive being well-equipped with further effective implementation strategies and
demand driven approach. Through this activity, BEES has been providing support for plantation of different
trees to contribute to environment and ecological protection. In addition to this, the services associated with
modern technology support, financial support as loan, distribution of saplings, supplying seeds and facilitation
of tree plantation were ensured under this program.
3.1.1 Objectives
To adopt sustainable agro-technology by target beneficiaries for enhancing the nutritional status and income
level of the most vulnerable groups in the society and enable them to become financially self-reliant through
crop diversification, to increase agricultural production and to promote social forestry to bring favorable
ecological balance in the environment.
3.1.3 Achievement
With a view to grappling with poverty for trapping hunger, BEES' Agriculture and Social Forestry program
attained a remarkable success in the reporting period 2007-08. As per the schedule activities of Agriculture
and Social Forestry Program, BEES distributed summer and winter vegetable seeds among the target
Improved Technologies
Under the Agriculture and Social Forestry Program BEES trained its beneficiaries about some agro-based
improved technologies like vegetable seed production, spacing of seed sowing, tree plantation in agricultural
crops, homestead gardening, mini orchard establishment, compost preparation using kitchen waste and
dung, rice-fish production, IPM in vegetables & crops, and vegetative propagation of fruit trees, soil and
fertilizer management during the year.
Agriculture Fair
For introducing the activities and to reach to the vast population within a very short time BEES participated
in 25 agriculture fairs during the reporting year as its schedule work. These fairs were held in Dhaka,
Norshingdi, Gazipur, Fraidpur, Gopalgonj, Sherpur, Noakhali, Feni, Chuadanga and Madaripur district.
Demonstration Plot
Under the program demonstration plots are
established by the progressive farmers with
the aim to enhance the nutritional well
being through intake of fresh vegetables,
utilization of fellow lands around the
homestead as well as idle manpower and to
earn extra money. During the reporting
year a total of 265 demonstration plots
were set up in 265 farmers' field. Aman,
wheat, oil seed, pulses, summer and winter
vegetables, heap compost preparation,
green manure, farm yard manure, kitchen
gardening, existing fruit trees
management, orchard preparation were the
items demonstrated for the progressive
farmers. Farmers got required nutrition
from a variety of vegetables throughout the
year and ensured economic benefits as
well. However, a total of 25,350 farmers
were benefited from these initiatives.
3.2.1 Objectives
The objectives of the project are to improve the livelihood standard of small, marginal and landless farmers
of Greater Rangpur district through crop diversification, improve nutritional status through income generating
activities, small farm establishment and homestead gardening, strengthening of extension services for
different farmer groups and to create employment opportunities.
3.2.3 Achievement
In accordance with the project design one project manager and five field facilitators were deployed in the
project area. A total of 50 marginal and landless farmer groups consisting 1056 members and 50 small farmer
groups including 1033 members were formed in the project intervention area. On average 73 percent male
and 27 percent female farmers were included these groups. A total of 200 group leaders taking 2 persons
from each group received training on the project purpose and AEZ based crop technology from the project.
The necessary resource persons for training were hired from Department of Agriculture of the local area. AEZ
based crop technologies were also disseminated to others group members by the trained 200 group leaders
under the direct supervision of DAE and project personnel.
3.3.1 Objectives
The objective of this program is to increase income particularly of women, enhance nutritional status through
increasing protein intake of the rural poor, reduce poultry and livestock mortality, improve the poultry breed
and upgrade the local breeds of livestock through crossbreeding.
3.3.3 Achievement
Under this program a total of 16,300 beneficiaries were covered against the target of 17,000, which implies about
96% achievement. BEES arranged several training courses related to poultry and livestock for its beneficiaries as
well as staff. During the reporting period, a total of 45 staff and 7,539 beneficiaries received training on chicks,
keys and model rearing, mini hatchery, poultry management, goat and cattle rearing & farming. During the
Nowadays Mochhammat Rawshanara Begum 35 years old is a successful breadwinner in her family. But five years
ago, she and her family members often had to starve because of their insufficient income. Her husband Saheb
Ali of Lakshipura village of Joydevpur upazila under Gazipur district was a day laborer. His income was too little
amount to bear all necessary expenses of her four-member family. His monthly income was not more than Tk.
1,000. Rawshanara and her family member were just the persons to be teased by their community people as her
family had been suffering from food insecurity, hunger and starvation. She was one of the thousands of
housewives in the area who were struggling to live an ordinary life with food, clothes and other basic amenities
for their family. She wished to bring a change in their distressed condition. Just during the condition of the family,
Rawshanara heard of an organization named BEES with programs for providing skill training, primary health care
and loan among the destitute people. She went to them and asked them to provide her assistance.
"They became kind enough and made me a member of BEES-samiti on 29 August 2001. Then I was trained up
according to my interests and capacities for income generation," says Rawshanara. With the support from BEES,
she became engaged to change her luck with great eager. At first, she bought a cow with the loan Tk. 6,000.00
from BEES. After repaying the loan in installment, she took 2nd loan of Tk. 10,000.00 for buying another milk-
cow. Side by side, she was being provided with technical knowledge and know-how through necessary training
from BEES. She was making profit regularly from her cow-rearing project by selling milk. With the pace of her
increasing income, her confidence was being increased steadily as well. So she was receiving loan one after
another with more money and was very much conscious and keen in repaying loans timely.
In 2007, she took 9th loan with great amount like Tk. 70,000.00. Hard labor done by all of her family members
has brought remarkable success for the family. Now there is smile of happiness in her tired face. The increase
in income earning has enabled Rawshanara to spend optimally in food and clothing. She can now spend an
amount for health service and recreation. Some other expenditure to improve the quality of life has been
increased. At present, she is able to save enough money for facing any financial and other shock in future.
Apart from the loan received, Rawshanara got a number of necessary life skill training and orientation under
credit plus services entitled Seba Package of BEES, such as general health care, disaster management, family
planning and welfare awareness and so on. She has also been given vegetable seeds for kitchen gardening to
get essential vegetables in family food and also for income earning to an extent. Income earning success with
the help of BEES has changed Rawshanara totally and she has become enthusiastic, active and participatory in
the family and community decision-making and in community events. She also inspires other to struggle and
fight for their rights with hard working, so that they also can be successful to stand on their own food.
4.0 Education Program
Education is necessary to develop and use our mental, moral and physical powers. It makes us prepared for
wise leadership and personal achievement and opening our mind to new ideas. Education is generally seen
as the foundation of society which brings economic wealth and social prosperity. There is no doubt that
education is the best investment for a person in her/his life all along. It is recognized as the passport to the
sustainable future. Role of education yields strong families and strong communities. The quality of human
resource of a nation is easily judged by the number of literate population living in it. But it is very much sad
for us that a great number of our people is still susceptible to drastic illiteracy and ignorance. Investment in
human capital, life long learning and quality education help in the development of a society phenomenally.
Keeping the importance of education in mind, BEES has been carrying out different education programs
catering to the target groups at community level.
With a view to helping the disadvantage community people to be equipped with knowledge and skills which
are needed to contribute towards the development of shared values and common identity, BEES was involved
with the education program in 1984 through offering the Functional Education for its beneficiaries. Since then,
BEES is supplementing national efforts of building an illiteracy-free society and productive human resource.
It is conducting its education activities in such a way that both of rural and urban poor people have easy
access to the necessary facilities available in the centers of the target areas. During the reporting period
2007-08, BEES addressed a large number of children deprived from formal schooling system. It maintained
liaison and linkages with other NGOs and GOs for implementing the program in expanded areas intensively
and successfully.
BEES implemented 3 types of projects under its education program during the reporting year which is given
below:
In those trainings, 2 female and 2 male BEES staff participated as Master Trainer. Similarly, BEES also
arranged a 6-day basic training on Post Literacy and 6-day refresher training on Continuing Education for
Facilitators and Supervisors. Thirty Center Management Committees (CMCs) were formed, each of which
consisted of 9 members and oriented them on their role of playing for implementation of centers. Sixty
batches of learners were formed based on identified of listed trade of BNFE for providing skill training
ROSC program is operated with the financial support of Ministry of Primary and Mass Education (MOPME) of
Bangladesh Government. MOPME also provides the support as to teacher's honorarium, training, school
dresses for learners, teaching materials and grant to NGOs which are treated as Education service provider
In the course of implementing multi-dimensional health programs to enhance health care services at
community level, BEES is still facing enormous competing social challenges associated with poverty, gender,
education, environmental factors and so on. Nonetheless, BEES achieved some very impressive health
outcomes over the reporting period 2007-08. This is to say that barriers to enjoying essential health care for
poor people often become a source of increasing social unproductivity and impoverishment. To meet the
increasing need & demand in the intervention areas, BEES is responding in a range of ways to help community
people expand and improve their awareness of health providing direct, long or short term development
assistance like preventive and basic curative health-care services with component of primary health care,
family planning, nutrition, food security, homestead gardening, cooking demonstration, growth monitoring,
immunization, watsan, arsenic mitigation, HIV/AIDS prevention and so on.
BPHC again continued its financial support to CBHP project from January 1998 to serve ESP service delivery
of HPSP program of GOB through bidding process. Later on, its activities were concentrated in Adamdighi &
Dhunot upazila of Bogra District until December 2004. After December 2004, BEES has been continuing the
activity of CBHP by the surplus fund generated from Micro Finance Program. Considering the positive impact
during the previous period BEES initiated to continue this project. The team of REM cell from BEES visited the
operating area of CBHP to evaluate the activities of the project.
Objectives
The overall objective of the project was to impart improved services regarding reproductive health, family
planning, child health and general health to the community people especially fertile couples (15-49 years),
children (0-1 year), adolescents (10-19 years) and treating common ailing patient through static and satellite
clinics conducted by qualified paramedics and skilled community health workers.
Major Interventions
During the reporting period 2007-08, BEES provided such services as reproductive health, family planning
services, child health, communicable disease control, limited curative care and behavioral change &
communication.
Reproductive Health: Antenatal care (routine antenatal check up, distribution of vitamin A capsule, TT-2),
Safe delivery care (Institutional delivery, safe delivery by TTBA and qualified person) & Postnatal care.
Family planning services: CBD (Community based distribution pill, condom), CC (Clinical contraceptive):
Injectable, IUD, referral for ligation & NSV) services, Adolescent Reproductive Health Services
Child Health: EPI, Vit-A distribution, Acute Respiratory Infection (ARI), Control of Diarrheal Diseases (CDD)
Communicable Disease Control: Reproductive Tract Infection (RTIs)/ Sexual Transmittal Diseases (STDs),
HIV/AIDS, TB, Regional disease like goiter, leprosy etc.
Limited Curative Care: Static and Satellite clinical service for general treatment
Behavioral Change & Communication (BCC): Court Yard meeting, community meeting, workshop,
seminar & other promotional activities (National day observance, Rally, Miking etc.)
5.1.1 Achievement
In its intervention areas, BEES carried out the important activities, for instance - aiding pregnant women to
reduce their vulnerability to different illness. It gave them assistance with diet and ensured that they had
access to pre- and postnatal health care. BEES encouraged exclusive breastfeeding for new-born babies in
the first six months and later on adequate, complementary diet. About 78% pregnant women received the
Antenatal Care Services from BEES in this year. They received the services on safe delivery, ANC checkup,
awareness building about child care after birth & breast feeding, and receiving Iron and Folic Acid tablet.
Almost 73% pregnant mother gave birth safely with the assistance of Trained Birth Attendants. They also
ensured giving colostrums to their new born babies. BEES provided the post-natal care services up to 42 days
after delivery. BEES ensured at least 1 PNC checkup, referral post-natal mothers for Family Planning and new
born children for immunization.
BEES has been encouraging the community mothers to have Family Planning. It motivated the eligible couple
to use FP contraceptive and distributed contraceptive and materials to the targeted clinics receiving from Govt.
FP department. Almost 79% couple received the assistance on the above mentioned services provided by BEES
through CBHP.
Components of NNP
A. Services Component:
a. Area-Based Community Nutrition (ABCN) Services
b. National Level Nutrition Services
Geographical Coverage
During the reporting year BEES provided the core ABCN services in 6 upazillas (Tongipara, Gopalgonj Sadar,
Muksudpur, Bhanga, Sadarpur and Madaripur Sadar) under 3 districts (Gopalgonj, Faridpur and Madaripur)
through area package # 10 of the National Nutrition Program. BEES has been implementing the activities in
those areas from December 2003. BEES has commenced to implement another package # 13 of NNP from
May'08 in 4 upazilas (Fatikchhari, Hathazari, Anwara and Bashkhali) of Chittagong district.
Target Beneficiaries
X Children less than 2 years old
X Pregnant women
X Lactating mothers
X Unmarried adolescent girls
X Newly married women
5.2.1 Achievement
1. Covered population and target groups
During the reporting period BEES delivered ABCN services under NNP to its beneficiaries in 139 unions and 2
poursavas of 10 upazillas through 2508 CNCs. It delivered services towards 3,287,993 populations of different
target groups from 584,799 households till the end of the reporting year. Number of populations was found
changing in different months due to migration-out and migration-in for various reasons.
By the end of the reporting period out of 124,963 registered children below two years of age, 118,658 were
weighed and overall growth monitoring and promotion (GMP) coverage was 94.95%. Children came from hard
core poor families of the project area were provided supplementary feeding.
3. Breastfeeding
At the end of the reporting year among the live born babies 99.42% received colostrums at birth and about
58.41% babies received exclusive breastfeeding up to 6 months of age. Besides, 3.22% children completed
6 months of age and 99.65% of them started complementary feeding.
4. Weight monitoring of pregnant women, ANC, care to lactating women & micronutrient
supplementation
In June 2008, a total of 30,222 pregnant women were registered and the weight monitoring coverage was
94.88%. A total of 746 pregnant women were found with BMI below 17.0 during the reporting period and
they were under supplementary feeding.
During the reporting year for supplementary feeding in both the APs # 10 & #13 the percentage was
remarkably decreased. The underlying causes were increased food items and less paid food packet for the
WGMs. Trend in drastic decrease in distribution of Iron-Folate tablets in AP # 10 was also notable and in AP
# 13 it was zero. During the period Iron-folate tablet could not be supplied sufficiently from NNP due to some
technical problems. Though below the need, supply could be continued with the supplementation from the
In June 2008, a total of 164,228 adolescent girls of age 13-19 years were registered. Out of them 139,943
adolescent girls (85.21%) attended the BCC forums (4 in each CNC in a month). They were counseled about
basic nutritional facts, reproductive health, life skills, delayed marriage, anti-dowry motivation etc. They were
also provided with Iron-Folate supplementation at the dose of two tablets per week and de-worming tablets
(Albendazole 400 mg) at 6 months interval. A total of 23,175 mothers of moderately malnourished children
were registered. Out of them a total of 19,996 mothers attended in BCC forums. They received counseling
about child feeding and care. A total of 13,289 newly wed women were registered and out of them a total of
11,913 (89.65%) of the newly wed women attended in BCC forums. They were counseled about
contraception, delayed pregnancy, reproductive health etc. They were also provided with Iron-Folate
supplementation at the dose of two tablets per week.
During the reporting period, forums for adolescent boys, mothers-in-law, fathers-in-law and husbands of
newly weds & pregnant women were held as bi-monthly basis and records were being maintained at CNC &
UZ Office.
Using Status of Safe Drinking Water, Iodized Salt and Sanitary Latrine
Users Status in Percentage
Users of safe drinking water 77.72
Users of sanitary larine 66.70
Household whose members used iodized salt 85.54
9. Referral
A total of 719 children were referred to different Govt. and NGO health facilities for growth faltering, severe
malnutrition and severe illnesses in the month June 2008. Among them 83.03% of children were properly
managed after referral. And a total of 464 pregnant and lactating women were referred from a total of 2508
CNCs to nearby Govt. and NGO health facilities for ante-natal & post-natal problems and out of them 98.92%
referred beneficiaries were properly managed.
The overall objective of the project is to test and support alternative methods of service provision and
financing for poverty reduction by way of increasing poor people's access to small social and economic
infrastructure and social assistance services delivered by private sector and NGOs with effective community
participation.
But after the Mid Term Review by the world bank as well as on the basis of
sharing experience and learning with the community the scope of works of
the project was revised and a package of activities were included by SDF as
follows: a) formation of Jibikayan Groups with the hard core poor, poor and
vulnerable people b) develop institution of the poor and building capacity
within the community c) establish mechanism for lending and recovery of
loan for Jibikayan Groups and Gram Samity d) develop capacity building
among the leaders of Gram Samity, Social Audit Committee, Jibikayan
Groups and Gram Sebak e) promotion of livelihood development activities
for the Jibikayan Groups have been designed for PO for delivering social
assistance services to the hard core poor and vulnerable people in the
project villages.
i. By setting up a temporary camp for 15 days at Sharonkhola upazila in Bagerhat district BEES operated
rescue activities and distributed relief such as dry and cooking food, old & new clothes, and water
purification tablet to the Sidr affected people. At the same time BEES provided basic preventive and
curative health services in that area. A group of 8 members' medical team of paramedics was sent to
serve the Sidr (Cyclone 2007) affected victims. This team worked in 2 phases in this area. Their
courageous role and sincere services to the cyclone victims was appreciated hugely by the local
government authority. The relief of about Tk. 2.95 lakh from its own disaster management fund was
distributed among 8,700 affected families in that location.
ii. BEES distributed 1,000 blankets of which total price was Tk. 1.41 among 1,000 Sidr affected families in
Bogra district.
iii. BEES distributed relief of 1,000 plastic sheds, 700 family kits, 12,000 packets energy biscuits (BP-5)
having from UNICEF among 1,700 flood affected families of Sariakandhi and Dhonut upazila in Bogra
district. In the same way the organization distributed high energy biscuits (NRG-5) getting from UNICEF
among 4,992 flood affected families especially pregnant and lactating mothers and children below 5 years
of Zinaigati, Nalitabari, Nakhla, Sribordi and Seerpur Sadar upazila of Seerpur district.
iv. BEES distributed emergency relief of non-food items and safe water total cost of about Tk. 26.64 lak
among 1,500 Sidr affected families of Sadarpur and Char Bhadrason upazila of Faridpur district from 2
6/11/2007 to 11/12/2007. UNDP funded to execute the program. There were sari, lunghi, towel, soap,
mosquito net, candle, match etc. among the non-food items.
v. BEES performed a rehabilitation project titled "Rapid Community Restoration Assistance for Cyclone SIDR
Victims of Faridpur District" to provide income generating opportunities for the affected people through
reconstruction of destroyed social institutions and infrastructure like educational institutes, local markets,
village roads, homesteads, community centers, religious centers etc. from 30 January to 15 March 2008.
The project was implemented in 6 unions of three upazilas; Sadarpur, Bhanga & Char Bhadrason of
Faridpur district. It was Cash for Work type project generating 50,000 person days of work for most
affected 1,670 families. There were two types of beneficiaries such as labour who performing earth work
of selected schemes and homestead or individual owners, different institute or community. UNDP funded
Tk.52 lakh for implementing the project activities. Through the project 27 village roads, 32 homesteads,
premises of 17 education institutes, 27 religious centers, 2 market places and one community center were
reconstructed. The work of one nursery rising and one pond re-excavation were also performed during
the project period. It was strongly monitored and supervised for quality earth work through proper
dressing, leveling, compacting etc.
vi. BEES postponed the collection of installment of loan for four months from the Sidr and flood affected
borrowers considering the cruel situation of that period.
7.1 Training
Training is necessary in the field of development work by which stakeholders are able to learn new
information, re-learn and reinforce existing knowledge and skills, and most importantly have time to think
and consider what new options can help them improve their effectiveness in performance i.e.,
implementation. Through such support program based on demand driven approach, human resources are
developed in the way of improving
knowledge, attitudes & practices (KAP)
and enhancing life-skills of the target
groups. BEES has been conducting a
training cell to organize all kinds of
training activities. This cell having need-
based plans is engaged seriously to
ensure the role of training catering to the
programs and projects. To make training
programs more integrated, attractive and
most of all effective, BEES is using
different timely methods like lectures,
demonstration, discussion, computer-
based presentation, programmed
instruction (PI), behavior-modeling, case
studies, role plays, mentoring, job
instruction technique (JIT), transactional
analysis, simulation exercise, exchange
visit and so forth. BEES' training programs
well-equipped with cognitive, behavioral
and management development approach
are developing skills and expertise among
the staff and beneficiaries to prevent
problems from arising and providing tools
to address any skill or performance gaps
within programmatic aspect.
7.1.1 Achievement
During the reporting period, a total of
41,794 trainees received training against
the annual target of 50,000 which shows
more than 83% achievement. Among the
Under microfinance program, a total of 253 FOs received training on credit and savings management and 133
FOs received refreshers training on member selection & group formation. A total of 26 UMs got training on
7. 2 Information &
Development
Communication
Effective communication fuels the
development programs to be implemented
in down-to-earth method. It is essentially
true that communication bridges the gap
between knowledge and practice. Research
shows - changing knowledge and attitudes
do not necessarily translate into behavior
change. Development communication
organized effort and important catalyst for change creates the opportunities to provide the target groups with
proper and updated information. It is a powerful tool that can improve the chances of success of development
projects and programs. It gets the target groups to change long-established practices or behaviors. So
improvement of knowledge, attitude and practices (KAP) in true sense are brought about at beneficiary level
reaching the target very easily. In the course of field-based intervention, promotional activities help the
development program to turn the target towards reality without encountering much more difficulties. To link
knowledge with changing behavior, BEES is developing timely and necessary messages and material to
organize effective BCC/IEC, advocacy and social mobilization as well as promote human resource
development at field level.
BEES' Information & Development Communication (IDC) Cell has been conducting and organizing all kinds of
development communication programs integrated with core programs at field level through an upgraded
communication strategy. These development programs associated with different promotional activities like
utilization of multi channel media, networking, maintaining liaison with other NGOs and GOs, organizing
popular theatre etc engage and empower the respective stakeholders in the case of implementing programs
and projects resourcefully through a participatory and pragmatic process and approach.
7.2.1 Achievement
IDC Cell edited and published Annual Report 2006-07 focusing the target versus achievement on the activities
of different projects/ programs of the organization implemented during the respective year. The report
included a financial statement covering the reporting period as well.
As an advocacy and BCC material the Cell published Desk Calendar 2008 containing month planner, exclusive
messages and photos highlighting its projects and programs. IDC Cell published Wall Calendar'2008
containing exclusive photos and highlighting the program/project activities. Besides, exclusive New Year
IDC cell organized intensive network through building consortium involving more than 35 development
organizations with a view to establishing promising partnership for submitting development programs. A
number of four development programs were developed during the year. Apart from this, under inter-agency
collaboration activities, the cell's personnel participated in different national and international meetings,
seminars, and workshops arranged by the government, non-government and UN agencies during the
reporting period with a view to strengthening the relationship for alliance with them.
Over the reporting period, IDC cell maintained intensive network through building consortium with a view to
establishing promising partnership with different development organizations as well as strengthening their
skills and capacity that development programs might be initiated more effectively and comprehensively.
02. Rural Health and Development Society (RHDS) HIV/AIDS Prevention, Water & Sanitation Associate Partner
03. Shariatpur Development Society (SDS) HIV/AIDS Prevention, Education Associate Partner
05. Jatiya Manob Kalyan Mission (JMKM) HIV/AIDS Prevention, Education Associate Partner
07. Ashar Alo Sangstha (AAS) Child & Maternal Care Linkage
11. Narail Ashar Alo Foundation Child & Maternal Care Linkage
12. We Are Friends For Human (WAFFH) Child & Maternal Care Linkage
MAC Bangladesh
13. Child & Maternal Care Linkage
(Manifold Assistance Center For Bangladesh)
In addition to this, under inter-agency collaboration activities, the cell's personnel participated in different
national and international meetings, seminars, and workshops arranged by the government, non-government
and UN agencies during the reporting period with a view to strengthening the relationship for alliance with them.
Achievement
With a strong brightness, firm eagerness and through a consecutive work plan the REM cell conducted several
activities with an efficient streamlined management during the reference year.
REM prepared the organizational annual progress report of 2006-2007 based on target to exhibit the annual
success and failure of the organization. The report helps the BEES management and program managers in
future planning and decision making about the program and helps the other stakeholders for knowing about
the activities of BEES.
An impact analysis on Social Investment Program Project (SIPP), phase-II was conducted to exhibit the
impact of the target beneficiaries as well as the community level regarding socio-economic and environment
aspect of the intervention areas.
Apart from these REM cell performed different works which were not scheduled such as prepared best case
study, research proposal, contribution to prepare project proposal regarding monitoring and evaluation aspect
as need of the technical committee.
BEES aims to increase the number of women in decision-making positions at community level. It has its own
gender policy and gender sensitized service manual. Women group members of BEES are now more aware
of their rights related to early marriage, dowry, mohorana, marriage registration, divorce, inheritance,
ownership of property, family planning and reproductive health and financial solvency. In addition, it also
organizes different supporting programs on a regular basis on gender awareness and sensitization through
internal training, orientation, workshop and advocacy programs. To organize all of these gender development
oriented activities properly, BEES established a well-equipped cell entitled Gender and Rights. Through this
cell, BEES is addressing the endemic problem of violence against women and discrimination. Understanding
and implementing gender and rights approach has become crucial in the field of sustainable development.
Gender & Rights cell initiated some promotional activities such as training, orientation, courtyard meeting,
workshop and advocacy programs over the period 2007-08 to promote legal literacy and awareness of
women's human and legal rights among women and men at community level.
7.4.1 Achievement
During the reporting period the Gender & Rights cell organized a 3-day workshop on 'Gender Analysis and
Planning' from 1st to 3rd July 2007 for its senior level staff. The purpose was to achieve conceptual clarity on
the issue and to develop capacity to encompass gender approach in the policy formulation and program
planning. The narrative report on the workshop was developed and shared with all the participants attended
in the workshop.
Under the reviewing process, through sharing meeting with the policy formulation committee and senior staff
of BEES the cell finalized the gender policy incorporating the suggestions and comments. The gender policy
was also translated into Bangla for intensive sharing and dissemination.
The cell developed a handbook on gender to raise basic and common understanding on gender related issues.
The book will provide necessary information and concept on gender related issues as well as provide support
to relevant on going programs and projects.
As a regular activity the cell facilitated different sessions on gender sensitivity for the newly recruited staff
generally for Field Organizers and Unit Managers during the reference year. Besides, the cell performed non-
schedule works as per organizational need like communication and make liaison with donors for fund raising,
participation in the different seminar and workshop, assist to write proposal, make presentation on 'BEES at
a glance' etc.
Auditors' Report
Subject: Audit of Financial Statements of PKSF and Non-PKSF funded micro credit program
of PKSF's Partner Organization Bangladesh Extension Education Services (BEES) for the year
ended 30 June 2008.
Dear Sir,
We have audited the accompanying Balance Sheet of PKSF's partner organization Bangladesh Extension
Education Services (BEES) registered under the voluntary Social Welfare Department vide registration no.
Dha-02278 dated 10.05.1989 ordinance 1961 pertaining to PKSF funded micro credit program as at 30 June
2008 and related Income and Expenditure Statement, Receipts and Payments Statement and the Cash Flow
Statement for the year then ended. The preparation of these financial statements is the responsibility of the
management of the organization. Our responsibility is to express an independent opinion based on our audit.
We conducted our audit in accordance with Bangladesh Standard on Auditing (BSA), which are consistent in
all material respects with Bangladesh Accounting Standards and International Accounting
Standards/International Financial Reporting Standards (IAS/IFRSs) as adopted in Bangladesh. Those
standards require that we plan and perform the audit to obtain reasonable assurance about whether the
financial statements are free of material misstatement. An audit also includes examining, on a test basis,
evidence supporting the amounts and disclosures in the financial statements.
In our opinion, the Financial Statements referred to above, prepared in accordance with Bangladesh
Accounting Standards (BAS), give a true and fair view of the state of the affairs of Bangladesh Extension
Education Services (BEES) as of 30 June 2008 and of the results of its operations and its cash flows for the
year then ended and comply with all applicable laws and regulations including PKSF guidelines.
30-Jun-08 30-Jun-07
PARTICULARS
PKSF Non-PKSF Total PKSF Non-PKSF Total
Cash and Bank Balances 18,124,489 1,688,571 19,813,060 16,449,336 2,400,903 18,850,239
Cash in transit 0 -
Total Assets & Properties 596,616,758 19,505,679 616,122,437 622,978,924 22,408,314 645,387,238
FINANCED BY :
Loan Loss Provision Fund 4,428,201 1,194,611 5,622,812 14,709,389 1,561 14,710,950
Total Fund & Liability 596,616,758 19,505,679 616,122,437 622,978,924 22,408,314 645,387,238
Annexed notes from 1.00 to 26.00 form an integral part of the financial statements.
FY - 2007-2008 FY - 2006-2007
PARTICULARS NOTES Taka
PKSF Non-PKSF Total PKSF Non-PKSF
INCOME :
MCP Loan Service Charges received: 102,813,800 2,964,282 105,778,082 86,390,315 3,557,442 89,947,757
Grant from PKSF 1,401,302 1,401,302 12,713,727 12,713,727
Bank Interest 72,492 41,991 114,483 133,729 70,016 203,745
Sales of Form & pass book 903,860 44,910 948,770 1,227,115 70,580 1,297,695
Admmission Fee 343,310 12,740 356,050 705,230 600 705,830
FDR Interest 3,419,628 3,419,628 1,825,508 1,825,508
LLPI interest 2,949 2,949 31,869 31,869
DMFI interest 6,965 6,965 26,316 26,316
DRFI interest 2,319 2,319
Members' Contribution 8,987 8,987 85,631 85,631
BEES Contribution - 1,100,000 1,100,000
Motor cycle interest 71,968 2,646 74,614 29,196 444 29,640
Training income 555,063 555,063
Service charge from branches - -
Others income 2,735,006 51,650 2,786,656 1,926,117 60,536 1,986,653
Total : 112,337,649 3,118,219 115,455,868 106,194,753 3,759,618 109,954,371
EXPENDITURE:
Service Charge Paid to PKSF 8,976,419 8,976,419 13,081,512 - 13,081,512
Service Charge Paid to Non-PKSF 161,801 161,801 - 662,638 662,638
Service Charge Paid to Banks 7,025,663 7,025,663
Salary & Bonus 52,347,458 2,391,746 54,739,204 41,882,184 2,115,639 43,997,823
Printing & Stationery 2,331,983 98,204 2,430,187 4,134,213 143,570 4,277,783
Office Rent 4,524,750 155,400 4,680,150 3,769,381 147,800 3,917,181
Training 1,451,454 3,952 1,455,406 11,962,846 7,012 11,969,858
Traveling & Allowance 4,155,100 150,232 4,305,332 3,097,074 176,377 3,273,451
Telephone Bill 371,425 8,955 380,380 544,939 19,146 564,085
Fuel 732,674 55,428 788,102 1,096,265 22,853 1,119,118
Electricity Bill 583,917 32,224 616,141 624,582 28,881 653,463
Entertainment 385,013 23,079 408,092 386,151 27,219 413,370
Interest on Savings 7,782,117 295,040 8,077,157 6,860,838 295,665 7,156,503
Bank Charge & Commision 815,909 11,635 827,544 933,917 19,270 953,187
Insurance Premium 426,906 426,906 202,312 - 202,312
Interest on Individual Loan - 187,600 - 187,600
Income Tax 290,736 290,736 161,000 - 161,000
PF. Contribution 2,343,187 96,103 2,439,290 1,761,458 77,745 1,839,203
Gratuity Contribution 3,585,610 161,174 3,746,784 2,882,650 121,252 3,003,902
Audit Fee - 100,000 - 100,000
Interest on PF 554,398 554,398 1,324,873 - 1,324,873
Interest on Gratuity - 163,275 - 163,275
LLPE 6,726,092 1,193,050 7,919,142 5,007,759 154,780 5,162,539
DMFE 929,958 7,162 937,120 777,995 777,995
DRFE 52,451 52,451 44,672 - 44,672
Depreciation 858,939 17,959 876,898 874,057 18,879 892,936
Miscellaneous Expenditure 2,764,253 121,437 2,885,690 2,194,545 120,089 2,314,634
Contribution to FSP - - - -
Bad Debts - - - -
Consultancy Fees 10,000 10,000 - - -
Sub Total 110,016,412 4,994,581 115,010,993 104,056,098 4,158,815 108,214,913
Excess/(Deficit) of Income Over Expenditure 2,321,237 (1,876,362) 444,875 2,138,655 (399,197) 1,739,458
Total: 112,337,649 3,118,219 115,455,868 106,194,753 3,759,618 109,954,371
FY - 2007-2008 FY - 2006-2007
PARTICULARS
PKSF Non-PKSF Total PKSF Non-PKSF Total
A. Cash flow from Operating Activities :
Excess of income over expenditure (Surplus) 2,321,237 (1,876,362) 444,875 2,138,655 (399,197) 1,739,458
Add: Amount considered as non cash item - - - -
LLP provision (10,281,188) 1,193,050 (9,088,138) 9,783,135 (601,867) 9,181,268
DMF provision 905,945 7,162 913,107 865,051 (30,442) 834,609
DRF provision 89,617 89,617
Depreciation for the year 858,939 17,959 876,898 1,959,655 18,879 1,978,534
Pre-acquisition profit - - (21,424,930) (21,424,930)
Capital adjustment - 18,296,554 (31,012,133) (12,715,579)
Sub total of non cash item (6,105,450) (658,191) (6,763,641) 33,043,050 (53,449,690) (20,406,640)
Loan desbursment to beneficiaries 52,517,713 2,150,026 54,667,739 (242,295,673) 83,246,521 (159,049,152)
Receivable 23,121,911 23,121,911 (28,539,336) 940,481 (27,598,855)
Advance (178,574) 7,500 (171,074) (957,080) 1,632,445 675,365
Staff loan (5,226,186) 24,498 (5,201,688) (585,463) - (585,463)
Interest on FDR (3,419,628) (3,419,628) 153,200 - 153,200
Accounts Payable (5,386,218) 44,437 (5,341,781) 64,752,323 (330,234) 64,422,089
Net cash from/Used in operating Activities 55,323,568 1,568,270 56,891,838 (174,428,979) 32,039,523 (142,389,456)
B. Cash Flow from Inverting Activities: - -
Fixed Assets purchased (18,149,487) (9,680) (18,159,167) (9,852,742) - (9,852,742)
Fixed Assets transfer to PKSF - - 5,557,657 5,557,657
Savings FDR (10,000,000) (10,000,000) (1,978,708) - (1,978,708)
LLP FDR (11,400,000) (11,400,000) (6,200,000) - (6,200,000)
DMF FDR - (750,000) - (750,000)
Dep. FDR - (800,000) - (800,000)
LLPI 252,717 252,717 1,113,900 (1,561) 1,112,339
DMFI (253,672) (253,672) 148,046 23,980 172,026
DFRI (86,414) (86,414) (35,005) - (35,005)
General Fund - - 34,504,349 34,504,349
Net cash Used in Investing Activities (39,636,856) (9,680) (39,646,536) (18,354,509) 40,084,425 21,729,916
C. Cash Flow from Financing Activities: - -
Loan from PKSF (16,927,472) (16,927,472) 84,822,507 - 84,822,507
Loan from Banks,individuals - - (35,805,174) (35,805,174)
Member savings deposits (9,766,026) (2,526,761) (12,292,787) 76,840,343 (22,540,341) 54,300,002
Spacial savings (380,066) 24,324 (355,742) 5,036,024 (3,078,078) 1,957,946
Emergency Savings 5,930,108 7,780 5,937,888
Provident fund (9,575,905) 100,000 (9,475,905) 16,466,282 (15,109,679) 1,356,603
Gratuity fund (2,204,210) (2,204,210) 2,204,210 (154,206) 2,050,004
Security deposit 854,123 22,922 877,045 1,928,922 (919,499) 1,009,423
Security deposit - 02 780,345 100,813 881,158 997,559 (489,375) 508,184
DRF - 52,389 - 52,389
Land revaluation reserve 17,277,544 17,277,544
Fund in transit - 1,400,000 - 1,400,000
Net cash used in Financing Activities (14,011,559) (2,270,922) (16,282,481) 189,748,236 (78,096,352) 111,651,884
D.Net increase/decrease (A+B+C) 1,675,153 (712,332) 962,821 (3,035,252) (5,972,404) (9,007,656)
E.Cash & Bank Balance at the Beginning of the Year 16,449,336 2,400,903 18,850,239 19,484,588 8,373,307 27,857,895
F.Cash & Bank Balance at the End of the Year 18,124,489 1,688,571 19,813,060 16,449,336 2,400,903 18,850,239
Auditors' Report
We have audited the accompanying Balance Sheet of General Fund of BANGLADESH EXTENSION EDUCATION
SERVICES (BEES) as of 30 June 2008 and the related Income and Expenditure Statement and Receipts and
Payments Statement for the year then ended. The preparation of these financial statements is the
responsibility of the BEES's management. Our responsibility is to express an independent opinion on these
financial statements based on our audit.
We conducted our audit in accordance with Bangladesh Standards on Auditing (BSA). Those standards require
that we plan and perform the audit to obtain reasonable assurance about whether the financial statements
are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the
amounts and disclosures in the financial statements. An audit also includes assessing the accounting
principles used and significant estimates made by management, as well as evaluating the overall financial
statement presentation. We believe that our audit provides a reasonable basis for our opinion.
In our opinion, the Financial Statements prepared in accordance with Bangladesh Accounting Standards
(BAS), give a true and fair view of the state of the affairs of the General fund of BEES as of June 30 2008
and of the results of its operations for the year then ended.
a) We have obtained all the information and explanations which to the best of our knowledge and
belief were necessary for the purposes of our audit and made due verification thereof.
b) In our opinion, proper books of account as required by law have been kept by BEES so far as it
appeared from our examination of those books; and
c) the financial Statements dealt with by the report are in agreement with the books of account and
returns.
Application of Fund
Fixed assets (at cost less accumulated
7 996,542 1,139,054
depreciation)
Current assets:
AUDITOR'S REPORT
We have audited the accompanying Balance Sheet of "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" as at April 30,2008 and related
Income & Expenditure Statement, Receipts & Payments Account and notes and schedules there to for the
period from January 01,2008 to April 30,2008. The preparations of these financial statements are the
responsibility of BEES's management. Our responsibility is to express an independent opinion on this financial
statement based on our audit.
We conducted our audit in accordance with Bangladesh Standard on Auditing (BSA), which are consistent in
all material respects with Bangladesh Accounting Standards and International Accounting
Standard/International Financial Reporting Standards IAS/IFRS as adopted in Bangladesh. Those standards
require that we plan and perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements. An audit also includes assessing the
accounting principles used and significant estimates made by the management, as well as evaluating the
overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.
In our opinion, the Financial Statements, prepared in accordance with Bangladesh Accounting Standards
(BAS), give a true and fair view of the state of the "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" affairs for the period from January
01,2008 to April 30,2008 and of the results of its operations and complies with all applicable laws and
regulations.
a) We have obtained all the information and explanations which to the best of our knowledge and
belief were necessary for the purpose of our audit and made due verification thereof.
b) NNP guidelines have been followed by BEES, so far as it appeared from our examination of those
books and records.
c) In our opinion, the Balance Sheet, Income and Expenditure Statement, Receipts and Payments
Account dealt with by the report are in agreement with the books of accounts.
AMOUNT IN TAKA
PARTICULARS NOTE
APRIL 30, 2008
Fixed Assets:
Current Assets:
Loan Fund:
Current Liabilities:
EXPENDITURE:
Salaries & Benefits 13 6,584,265 6,584,265
-
Travelling & Other Allowances 14 119,075 119,075
-
Rent, Utilities & Stationeries 15 168,042 168,042
-
Maintenance & General Expenses 16 309,340 309,340
-
Meeting Expenses 17 546,786 546,786
-
Training & Refreshers 18 1,400,181 1,400,181
-
Supplementary Feeding & Program
19 1,259,591 1,259,591
Expenses
-
Management Cost 20 779,046 779,046
-
Total 11,166,326 11,166,326
Net Surplus - -
Opening Balance:
Cash in hand 9,246 9,246
Cash at bank 30,471 30,471
Received from NNP 8,807,385 8,807,385
Loan from General Fund 5,971,000 5,971,000
Unit Office 80,000 80,000
Total 14,898,102 14,898,102
PAYMENTS:
6 Vehicle Maintenance: -
GMP Card - -
10 Sanitation -
18 Closing Balance: -
- -
We have audited the accompanying Balance Sheet of "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" as at December 31,2007 and related
Income & Expenditure Statement, Receipts & Payments Account and notes and schedules there to for the
period from December 11, 2007 to December 31, 2007. The preparations of these financial statements are
the responsibility of BEES's management. Our responsibility is to express an independent opinion on this
financial statement based on our audit.
We conducted our audit in accordance with Bangladesh Standard on Auditing (BSA), which are consistent in
all material respects with Bangladesh Accounting Standards and International Accounting
Standard/International Financial Reporting Standards IAS/IFRS as adopted in Bangladesh. Those standards
require that we plan and perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements. An audit also includes assessing the
accounting principles used and significant estimates made by management, as well as evaluating the overall
financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.
In our opinion, the Financial Statements, prepared in accordance with Bangladesh Accounting Standards
(BAS), give a true and fair view of the state of the "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" affairs for the period from December
11, 2007 to December 31, 2007 and of the results of its operations and complies with all applicable laws and
regulations.
a) We have obtained all the information and explanations which to the best of our knowledge and belief
were necessary for the purpose of our audit and made due verification thereof.
b) NNP guidelines have been followed by BEES, so far as it appeared from our examination of those
books and records.
c) In our opinion, the Balance Sheet, the Income and Expenditure Statement, Receipts and Payments
Account dealt with by the report are in agreement with the books of accounts.
BALANCE SHEET
AS AT DECEMBER 31, 2007
AMOUNT IN TAKA
PARTICULARS NOTE
31.12.2007
Fixed Assets:
At Cost (As per schedule) 108,000
Current Assets:
Cash & Bank Balance 8 39,717
Loan Fund:
BEES General Fund 11 3,826,098
Current Liabilities:
Provision for Expenditure 12 6,139,078
INCOME:
Donors Grants 13 17,129,894 3,400,891 20,530,785
EXPENDITURE:
Salaries & Benefits 14 8,232,413 1,651,571 9,883,984
-
Travelling & Other Allowances 15 147,290 29,484 176,774
-
Rent, Utilities & Stationeries 16 210,035 41,966 252,001
-
Maintenance & General Expenses 17 381,958 92,725 474,683
-
Meeting Expenses 18 689,758 139,086 828,844
-
Refresher's Training 19 1,659,291 617,744 2,277,035
-
Supplementary Feeding &
20 4,614,040 591,044 5,205,084
Program Expenses
-
Management Cost 21 1,195,109 237,271 1,432,380
Total 17,129,894 3,400,891 20,530,785
Net Surplus - - -
FROM CUMULATIVE
FROM
DECEMBER 11, FROM
JULY 01, 2007
2007 JULY 01, 2007
TO
SL. PARTICULARS NOTE TO TO
DECEMBER 10,
DECEMBER 31, DECEMBER 31,
2007
2007 2007
AMOUNT IN TAKA
AMOUNT IN TAKA AMOUNT IN TAKA
RECEIPTS:
Opening Balance:
Cash in hand 5,353 16,671 5,353
Cash at bank 14,854,958 6,087,762 14,854,958
Received from NNP 22 13,076,356 - 13,076,356
Loan from General Fund 8,747,100 1,338,000 10,085,100
Total 36,683,767 7,442,433 38,021,767
PAYMENTS:
1 Salaries of ABCN Staff:
Upazila Manager 260,000 110,000 370,000
Field Supervisor 1,127,750 465,000 1,592,750
Accountant 156,000 66,000 222,000
Support Staff 84,000 42,000 126,000
MLSS/ Messenger 72,000 30,000 102,000
CNO 1,075,433 529,741 1,605,174
CNP 6,637,122 3,019,217 9,656,339
2 Travelling and other allowances:
ATFPO 14,980 3,000 17,980
Field Supervisor 69,863 13,984 83,847
CNO 76,943 37,900 114,843
3 Office Rent and Utilities at Upazila level:
Office Rent 140,000 35,000 175,000
Meeting Cost, Upazila 14,932 2,998 17,930
Meeting Cost, Union 77,677 15,550 93,227
Meeting Cost, Village 589,928 119,040 708,968
Meeting Cost, Technical 5,750 1,198 6,948
Meeting Cost for Municipal Committee 1,471 300 1,771
6 Vehicle Maintenance:
10 Sanitation
17 Closing Balance: