uddipan.org...An environmentally sound society without poverty, free from exploitation, oppression, injustice and discrimination where children, women and men live with dignity and

ANNUAL REPORT

A Struggle of 30 Years to Empower the Rights Deprived

UDDIPAN in 2013-14

UDDIPANANNUAL REPORT2013 – 2014

Compiled byKhawaza S N M Zahurul Islam KhanDiptimoy BaruaSyed Manir Hossain Abdul KhalequeMohammad Anisur Rahman

Edited byMd. Emranul Huq Chowdhury

Published byUDDIPAN

Published inDecember, 2014

An environmentally sound society without poverty, free from exploitation, oppression, injustice and discrimination where children, women and men live with dignity and capable to exercise and enjoy their rights and will have access to opportunities irrespective of cast, creed and color.

Socio economic empowerment of the disadvantaged children, women & men for establishing their rights through social mobilization, building awareness, development and promotion of people’s organizations, advocacy for positive change in policy & lobbying and with environment friendly initiatives.

Alleviate poverty by undertaking employment and income generation activities (IGA) for the disadvantaged families through women as the entry point and develop peoples’ leadership, entrepreneurial skills and human resource potentials.

Vision

Mission

Message fromthe Chairman

I am glad to see the publication of UDDIPAN’s Annual Report 2013-2014. From the inception in 1984, UDDIPAN has been taking challenges for planning and implementing a variety of diverse and innovative programs for eradicating poverty and social injustice and build the community organization and leadership of the rural poor. Over the years UDDIPAN has been able to innovate and undertake a variety of programs to respond to the socio, economic and cultural needs of the poor people enabling them to participate in the mainstream development activities This year the Annual Report of UDDIPAN highlights our organizational Vision, Mission, Objectives, Strategies, Core Values and some of our achievements including program performances-, strengths and weaknesses.

UDDIPAN has been able to address its cherished goals and mission due to the continual support, cooperation and assistances from different stakeholders that include Govt. agencies, development partners and program participants all together. We have appreciation for the supportive and valuable role and involvement of our development partners like PKSF, EU, SCiB, Tdh-Netherlands, Anukul Foundation, IDCOL, MJF, SFBD and Govt. agencies like NGOAB, MRA, MoWCA, MoHA, MoLE, Commercial Banks, and other organizations for their cooperation & support to UDDIPAN. We extend our thanks and gratefulness to all of them.

The members of the General Body & Executive Board of UDDIPAN are constantly involved and committed to provide policy support and leadership in appropriate functioning of the organization. I would like to convey my thanks and appreciation to all of them. I would also like to appreciate the hard work of those staff members of UDDIPAN who have proved their commitment through performances, dedication and loyalty and who contributed in shaping the organization as it is today.

We will welcome comments from stakeholders and readers on any part of this report for further perfection.

On behalf of the organization, I would like to forward this report and extend thanks to all concerned.

Shahid Hossain TalukderChairman

Presenting theAnnual Report

(2013-2014)

I am pleased to announce the publication of 30th Annual Report of UDDIPAN for the period July 2013-June 2014. This is to be a sign of what the organization has achieved so far and where it will set its sail for next destination. During this prolong period of time UDDIPAN as one of the most prominent organizations of Bangladesh has been dealing with the issue of human dignity and social justice particularly of those section of people who are virtually rights deprived and down-trodden. Over the years, UDDIPAN has been very instrumental to bring a meaningful transformation in the lives of its targeted audiences and its endeavor in this regard has highly been valued by all relevant stakeholders in country and beyond.

Various recent reports published on MDG stated that Bangladesh has significantly reached many a targets set by the MDG including child and mother mortality rate, increasing literacy rate, calorie intake and life expectancy, GDP growth, etc. Furthermore Bangladesh has also significantly advanced in the areas of income and employment generation, behavioural changes on water and sanitation, advancement in national savings, remittance earning, producing skilled manpower and initiating digital technologies and so on.

Considering this UDDIPAN as one of the lead development organizations in Bangladesh, has been instrumental to read the pulse of Bangladeshi, opportunities and challenges and devoted in designing and implementing development initiatives in proportion to this. During this period to reach and address the needs of its targeted audiences, UDDIPAN has been very active with various implementing project and programs with particular focus to human rights, eradication of poverty, access to microfinance including micro enterprise and insurance, promoting education with emphasize to technical and vocational education and training, health, nutrition, safe water and sanitation, agricultural diversification, forestation, disaster and climate vulnerabilities, renewable energy, introduction of solar based technology, remittance, strengthening local government and monitoring of social safety-net programs, etc. UDDIPAN has served up 164 upazilas of 37 districts covering almost all the challenging and vulnerable pockets of Bangladesh.

UDDIPAN has been implementing Micro Finance Program through its 244 branches covering more than 4,08,371 households during the last financial year. By the end of the FY 2013-2014, UDDIPAN’s cumulative disbursement reached BDT 38,761.89 millions equivalent to USD 496.94 millions. The cumulative amount of savings deposited with UDDIPAN by its group members reached about BDT 1690.45 millions equivalents to USD 21.67 million by the year end.

UDDIPAN as a creative development organization has been implementing its programs through a process addressing diversity and inclusion of left outs. The organization has given priority to address community people with the opportunities and facilities providing through the multiple development initiatives and long term programs. As such it has been implementing programs and projects which includes technical and vocational education for rural and urban elderly children and youths, mobile vocational and technical training centre for remote areas, child focused disaster risk reduction planning and vulnerabilities at costal belts, linking corporate houses for creating employment opportunities for the rural trained youths, participatory approach in micro-finance, micro insurance

and remittance and monitoring and facilitating ongoing social protection schemes, reduction the number of child labour, child marriage, child abuse and exploitation and human trafficking, retain standards of child and pregnant mothers’ health and nutrition.

UDDIPAN’s continuous endeavors as human rights promoter, social peace maker and an active advocate to ensure peoples’ participation in the development process of the country have been ensured through its development initiatives evidence of which are quite clear in our program areas and beyond.

The future direction of UDDIPAN is persistently led by its moral commitment to community and country as well. UDDIPAN has a plan to broaden all its established ongoing programs focusing to human dignity, poverty alleviation, technical and vocational education, climate change and adaptation. Organizational excellencies with efficacy, accountability, good governance and transparency in management system will also get suitable spotlight. Its effort to reach more households prone to social and economic vulnerabilities, fabricate competencies to execute innovative and challenging development programmes for sustainable livelihoods and promote human dignity will carry on.

It’s my privilege to take the opportunity to thank our development partners in national, regional and international level, governmental and non-governmental agencies, financial agencies both banking & non-banking and other institutions for their continuous and positive supports to patronize UDDIPAN to the forefront of development arena. We also appreciate officials from Microcredit Regulatory Authority (MRA), NGO Affairs Bureau, Social Services Department, Joint Stock Company, and other ministries including Ministry of Home Affairs, Ministry of Social Welfare, Ministry of Finance, Ministry of Labour & Employments and Ministry of Women and Children Affairs in particular for their concern and support extended to UDDIPAN during the reporting period. We are really thankful and appreciative to our General Body and Board of Directors for their constant support and guidance to deal with organizational matters-strategy, core values, mission and vision.

I would also like to appreciate sincerity, hard work and commitment of our staff members of different levels to achieve UDDIPAN’s objectives through serving the people across the country.

I am also thankful to our valued program participants and all other relevant stakeholders for their sincere concern, keenness and positive role in UDDIPAN process.

Comments, observations and seeking required clarification on any part of the report are highly appreciative and welcoming.

Thanks.

Md. Emranul Huq ChowdhuryExecutive Director & CEO

Shahid Hossain TalukderChairman

Naheed SultanaVice-Chairman

Md. Emranul Huq ChowdhuryExecutive Director & Member Secretary

A. B. M Shamsul HudaTreasurer

Sharifa KhatunMember

Md. Mahbubur RahmanMember

Muhammed Kamal UddinMember

Board of Directors

General Body of UDDIPAN

01 Shahid Hossain Talukder

02 Shabbir Ahmed Chowdhury

03 Bhabatosh Nath

04 Md. Mahbubur Rahman

05 Md. Emranul Huq Chowdhury

06 Dr. Md. Golam Ahad

07 Naheed Sultana

08 Muhammed Kamal Uddin

09 Shaikh Nowsher Ali

10 A.B.M. Shamsul Huda

11 Sharifa Khatun

12 Tahrunnesa Abdullah

13 Taleya Rehman

14 Shaikh Abdul Halim

15 Faisal Muhammad Wahid

16 Rizwana Jahan Rifat

17 Rehana Begum

UDDIPAN : At a GlanceParticulars As of June As of June Growth (%) 2014 2013District covered 37 36 -(Including old ones) Working Thana/Upazila 164 162 -Union covered 1,260 1,145 10.04Village covered 7,152 6,762 5.76Regional Offices 11 11 -Zonal Offices 02 02 -No. of Branch 244 219 0.45No. of Training Centre 03 03 -No. of Village Organization (V.O) 19,815 18,712 5.89No. of V.O Client (Micro Finance) 4,08,371 3,68,576 10.79No. of Beneficiaries (all programs) 24,86,317 22,44,030 10.79Total Saving balance (Tk. in million ) 1,690.45 1,308.15 29.22Loan disbursement (all product) (Tk.in million) 38,761.89 30,365.55 27.65Rate of Recovery 99.41 99.37 0.04Loan outstanding (all product) (Tk. in million) 4,653.55 3,713.60 25.31No. of Borrower(Micro Finance) 2,80,451 2,58,082 8.66Loan Productivity (Portfolio-Per CDO) 4.43 3.48 27.29 Average Loan Disburse (Per CDO) 8.00 6.44 24.22No. of Staff Member 2958 2832(Including Volunteers / Project Staff) (male- 2245 and (male- 2077 and -0.35 female-713) female-755) 4.44 Major Program Focus : Poverty alleviation, Women’s Empowerment, Child and Youth Employment and Empowerment, Micro-Credit, Alternate IGAs, Micro Enterprise, Promotion of Agriculture, Micro Insurance, Remittance, Promotion of Green Energy, Housing, Climate Change and Disaster Risk Reduction and Management, Stopping of Human Trafficking & Child marriage and Promotion of Safe Migration, Social Development, Strengthening Government Social Protection, Networking and Advocacy etc.

C O N T E N T SA Sketch on UDDIPAN 10

Glimpses on GOVERNANCE 18

Management Highlight 20

UDDIPAN over the last 15 years -Timeliness 24

Thematic intervention : Some Highlights on UDDIPAN’s Contribution 26

Programs of UDDIPAN

Economic Development Programs 31

Social Development Programs 52

Knowledge, Potential & Capacity Building Programs 90

Contribution of UDDIPAN in achieving Millennium Development Goal (MDG) 174

The Future March 176

ANNEXURE A : Organogram of UDDIPAN 177

ANNEXURE B : Map Showing UDDIPAN Working Areas 178

ANNEXURE C : Acronyms 179

A Sketch on UDDIPAN Executive Summary & Major Accomplishment: 2013-2014

Preface, Goal, Objectives, Strategy and Approach

Ethical Principles & Core Values and Code of Conduct

Limelight and Landmark of Accomplishment

Salient Features

Legal Status

Operational Areas & Beneficiary Coverage

UDDIPAN Programs: Target Clients and Beneficiary Groups

Development Partners

Executive Summary & Key Accomplishment : 2013 - 2014

As a national level development organization UDDIPAN has been working with the key objective of establishing and upholding human rights of the disadvantaged & marginalized fragments of the population that includes children, adolescents, youths, women, men and the people with disability. Empowering the targeted clients through poverty reduction, capacity enhancements, raising awareness and mainstreaming them in the development process of the country are the major focus of its interventions.

As a national non-profit development organization UDDIPAN is working with the prime objective of establishing & of upholding human rights of the disadvantaged & marginalized segments of the populace-children, Women & Men. Alleviation of poverty, awareness building and integrating & mainstreaming the target people in the development process of the country are the key focuses of its programs.

UDDIPAN stands at the forefront of national development arena and has linkage & networking with a number of national & international development forums. The prime achievements of the organization are highlighted as under

i) UDDIPAN’s programs cover 162 Upazilas of 36 Districts. The Coverage includes 24,86,317 beneficiaries from about 5 lac targeted families in 7,152 villages spread over 1260 unions of 162 Upazilas with varied activities.

ii) As a core one Micro Finance Program (MFP), is implanted for the assetless women & men to addresses their economic miseries & maladies through micro-credit support to enable them to undertake income-generating activities. The program opened avenues of employment for the target groups & thereby augmenting their income. Micro

Finance covers 24 Districts, 7,152 Villages & 4, 08,371 clients. Total disbursement of credit stood at Taka 38,761.89 million till June 2014. The rate of recovery is at 99.41%. The group saving is substantial amounting to Taka 1,690.45 million.

iii) UDDIPAN has been implementing Education for Youth Empowerment (EYE) with the assistance of Save the Children in Bangladesh (SCiB). UDDIPAN has been implementing this project in two working areas namely Daudkandi and Banskhali where a large number of youths have been imparted technical and vocational education for decent employment in their own localities and beyond.

iv) The implementation of Rural Urban Child Migration Project (RUCMP) is going to be wind up by the end of this calendar year. This project has been proved its worthiness in registering internal child labour migrants to track child migration and stop up-note child migration. The project is funded by European Commission through Save the Children in Bangladesh (SCiB).

v) The Project- Programmed Initiatives for Monga (near famine) Eradication (PRIME) and (PRIME- South) is a challenging project for UDDIPAN which is under implementation in two Monga prone districts namely Kurigram & Rangpur and one coastal district namely Patuakhali with the assistance of PKSF. The project aims to create short & long term employment avenues for the poor & ultra poor who are hardly-hit by poverty. Inputs like training on different trades, credit, infrastructure building works etc. are provided under the project. These projects have laid down the lay down options of educational facilities for children, employment generation in overseas for the people who are hardly hit by the poverty of program implementing areas.

vi) UDDIPAN has been imparting Technical and Vocational Education and Training

11A Sketch on UDDIPAN

(TVET) to its targeted beneficiaries through quite a good number of projects the major of which are EYE, TVET for the Young Stars in the Port City of Chittagong and PRIME and PRIME (South). All these project activities have significant contribution to ensure decent jobs in home and abroad for the trainees.

vii) Through programs and projects UDDIPAN has always been striving to stop human trafficking with focus to child and woman trafficking in almost all the traffic prone pockets of Bangladesh. All together its effort to stop illegal migration and human trafficking in and around the country and beyond has highly been acknowledged.

viii) UDDIPAN has been trying to build resilience of children, youths and community people as a whole against disaster risks and mapping the risks of resources and institutions of those communities where the projects are being undertaken. These are the ways how the communities including children and youths are made skilled to lessen disaster vulnerabilities. UDDIPAN’s continued response to disaster and building community capacity to adapt climate change has been appreciated by all relevant stakeholders and contributing a lot to build community capacity to disaster response.

Preface, Goal, Objectives, Strategy and ApproachPrefaceAs a national development organization, UDDIPAN came into the development field in 1984 with the objective of establishment and promotion of fundamental rights of the disadvantaged, marginalized and poverty hit masses including children, women & men through poverty alleviation, empowerment and mainstreaming them in the development process of the country. In course of working for more than 29 years, UDDIPAN is nowadays a well-known non-profit national development organization with its multiple programs tangible everywhere in its working areas spread over over 162 upazilas of 36 districts. It focuses and emphasizes on participations and involvement of children, youths, women & men irrespective of class, culture, colours, religion and creed in its development ventures surrounding national priority sectors like micro credit, micro enterprise, women’s empowerment, technical and vocational education, green energy, child development etc.

UDDIPAN as one of the top organizations have gained prominence in multi-focused developmental activities. It is an active member of many important national, regional and international networks and forums and is

12 A Sketch on UDDIPAN

playing contributory roles for advocacy & lobbying to establish & uphold Human rights & good governance at the national vis-à-vis international level in general. With the considerately long experiences of working with & learning from the people, the organization has been capable of developing its approach & strategy in development that reflects peoples perception, need, participation & leaderships for desired changes in livelihood, governance & potentials for growth & prosperity.

UDDIPAN has professional relationship with other such organizations working in Bangladesh and works collectively in the event of national crisis and need (like natural calamities and man-made disasters). It also offers and organizes training services on CRC, TVET, anti-trafficking, Business Development Services (BDS), micro-finance, micro enterprise, child development etc having facilities and logistics at the national & regional levels thereon.

GoalUDDIPAN set its goal to reduce the number of people below poverty line by more than fifty percent by the year 2016 in the targeted communities through implementation of community demand driven activities such as social mobilization, mass awareness raising, community institution building, human resource development, micro finance for sustainable livelihoods, disaster and climate change management, agriculture, livestock, advocacy, legal aid, etc. and thus, contributing to the poverty reduction objective of the government as envisaged in the Poverty Reduction Strategy Paper (PRSP).

ObjectivesThe specific objectives are delineated as under :

a) to facilitate mobilizing and organizing women, men and children of the excluded poor families at the grassroots, regional, and central levels to address development issues and plan, implement, manage community demand driven activities for social, economic, and cultural improvements;

b) to supplement family income of the poor, underprivileged, and ethnic minorities through micro financing livelihood options;

c) to facilitate the target people for mobilization of internal resources and gaining access to external resources;

d) to contribute to the improvement of the health of the women, men and children of the poor families through health education, access to available health services and providing related health services;

e) to enhance the status of the women, men, and children of the target families through promotion of their fundamental rights;

f) to increasingly build capacities of the members of the target population through implementation of education and skill development trainings directed at sustained improvement in their lives;

g) to complement and supplement the development efforts of the government.

The Strategy of UDDIPAN is to empower the underprivileged and marginalized people targeting women as the focal point for reaching every member of the family - children, women and man.The Approach of UDDIPAN is to raise critical awareness of the families of excluded poor, underprivileged, marginalized and minorities to analyze their problems, prioritize them, and to creatively find solutions of their own and thereby progressively fulfill their full potentials & improve their lives.

StrategyThe Strategy of UDDIPAN is to empower the underprivileged and marginalized people targeting women as the focal point for reaching every member of the family - children, women and man.

ApproachThe Approach of UDDIPAN is to raise critical awareness of the families of excluded poor, underprivileged, marginalized and minorities to analyze their problems, prioritize them, and to creatively find solutions of their own and thereby progressively fulfill their full potentials & improve their lives.


Ethical Principles & Core Values• Good Governance practices such as

participation of stakeholders in the decision making process, accountability & transparency;

• Belief and confidence in the creative potentials of the people;

• Proactive and pro-people approach of development;

• Respect for all cultures and faiths;

• Commitment to vision, mission, goal, and objectives of the organization;

• Sincerity, honesty and discipline in perception and work;

• Commitment to attain professional excellence;

• Democratic practices in decision making;

• Promotion of balanced men-women relationship based on mutual trust and respect;

• Team work based on mutual trust and respect, openness, two way feedback and positive thinking;

• Upward and downward accountability;

• Maintenance of pollution free environment in the workplaces;

Code of ConductAll staff members are to abide by the following:

• They can claim to have those skills that they can demonstrate & perform;

• Staff members adhere strictly to discipline & decorum in the work place;

• Employees work towards eliminating discrimination & harassment in the work place;

• Respect diversity & establish unity in diversity;

• They never use their position to exert undesirable & inappropriate influence over other;

Limelight & Milestone of Accomplishment • UDDIPAN now stands at the forefront as a

prominent national level NGO in course of its long functioning through it multifaceted development initiatives.

• UDDIPAN received award from PKSF as which is considered as national level Award for Microfinance “Long term sustainable best micro-credit organization” in 2008 in recognitions of its micro credit service


• Annual reports of UDDIPAN 2007-2008, 2008-2009, 2010-2011 and 2011-2012 achieved awards from ICAB in the category of best published accounts & reports. Significant thing is that in the last year UDDIPAN has been conferred the 1st prize for best published and reports among NGOs.

• As a pioneering venture, UDDIPAN has officially taken over the MFP of two NGOs “Good Earth” in Comilla Micro finance part of TDH Netherlands in South based.

• The pursuit of UDDIPAN in providing remittance services for the families of expatriate Bangladeshi working abroad has been recognized & applauded by GOB and others.

• UDDIPAN programs for children has introduced avenues for rights protection and building a child right based movement for establishing Child Rights through mobilization, capacity building, advocacy a networking. As a part of promoting child capacity building and child participation 88 of child clubs are at present being running in which 2782 Children and youth are enrolling as regular members.

• UDDIPAN’s MIME Progrmmes and the Member Insurance Fund (MIF) are being treated as a model in the field of Micro Insurance in Bangladesh.

• UDDIPAN’s ENRICH Program has created a remarkable interest among all with its integrated approach of socio-economic and cultural development in place of just lending money to the poor.

• UDDIPAN ‘Shammo Project’ is called participatory micro finance project which has been considered as one of the innovative projects.

• Introduction of Technical and Vocational Education and Training (TVET) project will lead many a youths to get suitable jobs in line with their education.

• The relationship and networking of UDDIPAN with other national, regional

and international developmental agencies, forums and networks are ample as well as remarkable. The agencies include EU, SCiB, Tdh-Netherlands, AMAN, ARF, MJF, SFBD, USAID, BSAF, CRGA, ATSEC, INAFI, GOAL Ireland & India, ICT for Child Rights, CDF, Micro Credit Summit, World Bank, DFID, NOVIB, OXFAM, Winrock International, Ministry of Home Affairs, Ministry of women and Children Affairs, Ministry of Social Welfare, Ministry of Labour and Employment, Micro Credit Regulatory Authority etc.

Salient Features • UDDIPAN as a right based & gender

responsive national level organization is man-euvering its activities towards upholding & promoting the rights of the children and the underprivileged especially women for their empowerment.

• The palliative vis-à-vis development programs, UDDIPAN is capable to contribute to the country’s national development efforts with its holistic approach & mission.

• UDDIPAN considers the target people as subject not object of development envisioning them as the decision makers of their own needs & programs.

• Organizational & financial sustainability is continually pursued by the organization to make it self-reliant and thereby transforming it into a perpetually strong- footed entity.

• Trained, motivated & buoyant staff force working as a team to implement its programs efficaciously.

Legal Status UDDIPAN is registered with :

• Department of Social Service.

• Bureau of NGO Affairs (NGOAB)

• Joint Stock Company under the Societies Registration Act.

• Micro Credit Regulatory Authority (MRA)


Operational areas & Beneficiaries Coverage :

UDDIPAN has spread its activities to 37 districts viz Dhaka, Satkhira, Pirojpur, Bagerhat, Kushtia, Natore, Pabna, Sirajgonj, Comilla, Chandpur, Brahmanbaria, Chittagong, Cox’s Bazar, Bandarban, Barisal, Jessore, Chapai Nawabganj, Jhalakathi, Laxmipur, Rajshahi, Naogaon, Joypurhat, Narsingdi, Dhaka, Panchagarh, Lalmonirhat, Kurigram, Rangpur, Bogura, Borguna, Noakhali, Feni, Patuakhali, Sherpur, Mymensingh, Netrakona, Kishoregonj, Sirajgonj, Sunamgonj and Moulavibazar districts. UDDIPAN has professional cooperation, programmatic coordination, follow up and communications with those organizations who worked earlier as partner of UDDIPAN in these districts. It covers 24,86,317 beneficiaries of the targeted families in 7,152 villages spread over 1260 unions of 162 Upazilas. The organization has a team of

2,832 staff members of which 755 are female and 2,077 are male. They have been facilitating and servicing the families of target populace to plan and implement a variety of development programs.

UDDIPAN Programs : Target and Beneficiary Groups• Rural and Urban poor (Adult)

• Children and youths from Rural, semi-urban and Urban poor households

• Ethnic Minority

• Differently able from poor households

• Civil society members including Religious Leaders


Partners in Development of UDDIPAN• Action Against Trafficking & Sexual

Exploitation of Children (ATSEC)

• Asian Muslim Action Network (AMAN)

• Anukul Foundation

• Asia Foundation

• Asian Resource Foundation (ARF)

• Bangladesh Bank (BB)

• Bangladesh Disaster Preparedness Centre (BDPC)

• Bangladesh Rice Research Institute (BRRI)

• Bangladesh Shishu Adikar Forum (BSAF)

• BMET

• CDMP

• Credit and Development Forum (CDF)

• Coastal Fisher Folk Community Network (COFCON)

• Child Rights Governance Assembly (CRGA)

• Coalition for the Urban Poor (CUP)

• Directorate of Social Services

• DFID through PKSF

• DIPTO Foundation

• Eastern Bank

• One Bank Ltd.

• First Security Islami Bank (FSIB) Ltd.

• Dutch-Bangla Bank Ltd.

• IFIC Bank Ltd.

• Bank Asia Ltd.

• End of Child Prostitutions in Asia Tourism (ECPAT)

• European Union

• Express Money Services Ltd (UK)

• Girl Child Advocacy Forum

• Goal Ireland through Goal India

• Infrastructural Development Company

Limited (IDCOL)

• IFAD

• INAFI-Bangladesh

• Institute of Microfinance (InM)

• International Labour Organization (ILO), Bangladesh

• International Organization for Migration (IOM)

• Manusher Jonno Foundation (MJF)

• Micro Credit Summit Campaign

• Mix Market

• Multinet Trust Exchange LLC (UAE)

• National Human Rights Commission (NHRC), Bangladesh

• Netz Bangladesh

• NGO Forum

• NOVIB

• Oman International Exchange LLC (Oman) One Bank

• Oxfam GB

• Palli Karma-Sahayak Foundation (PKSF)

• Rabobank Foundation

• Rahimafrooz Bangladesh Ltd.

• Save the Children International in Bangladesh

• South Asia Partnership (SAP)-Bangladesh

• South Asia Right to Food (SARF)

• Stromme Foundation Bangladesh (SF BD)

• Terre Des Homes-Netherlands

• UNDP

• United Nations International Children Emergency Fund (UNICEF) Bangladesh

• United States Agency for International Development (USAID)

• Village Education Resource Centre (VERC)

• Water.Org

• Winrock International

• World Bank


Glimpses on GOVERNANCE

General Body

Board of Directors

Executive Director & CEO

Annual General Meeting (AGM)

Audit & Monitoring Committee

Procurement Committee

Recruitment Committee

General BodyUDDIPAN’s General Body comprises of 17 members is the supreme policy maker of the organization. The members are enrolled having commitment in the field of development. The General Body meets in the Annual General Meeting (AGM) once in a year and has discussion on issues like approval of annual work plan, budget & audit report, selection of auditor, election of Executive Board etc. as provided in the Memorandum of Association.

Board of DirectorsThe General Body through AGM elects an Executive Board for a term of three years. The Executive Board comprises of 7 (seven) members and meets at least four times a year or more as deems necessary by the organization. The board takes required management decision and advises the Executive Director in implementing programs and activities of the organization, managing its affairs and also to safeguard the interests of stakeholders involved in different levels.

Executive Director & CEOThe Executive Director is the Chief Executive Officer (CEO) of the organization. The Executive Director has the responsibility to plan and manage the organizational activities and programs. He has to manage fund and ensure its proper utilization. The Executive Director runs the day to day management of the organization through the organizational set up at the central, zonal, regional and branch level.

19Glimpses on GOVERNANCE

Management Highlight Program Division

Finance and Accounts

Human Resources Management (HRM)

Human Resources Development (HRD)

Administration

Internal Control and Risk Management Department (ICRMD)

Information Technology (IT)

Information, Communication & Research

Offices of UDDIPAN

UDDIPAN Training Centers

Program DivisionThe program division of UDDIPAN comprises Economic Development and Social Development programs and projects. Programs are being implemented with a view to uplift and empower the target audiences economically and socially that includes economic and social empowerment with particular focus to IGA, savings generation, creating entrepreneurs, micro insurance, remittance transfer, human resource, development; social justice and change, gender diversity, human rights, agricultural, diversity, technology transfer, TVET, disaster risk reductions and climate change, strengthening local government, water, sanitation and hygiene promotion etc. The program division of UDDIPAN is headed by a Deputy Director.

Finance and AccountsThe Finance & Accounts Division has the prime responsibility to deals with all functions pertaining to Finance & Accounts. The Division plays an important, indeed a central role in the organization to affect organizational efficiency, effectiveness, economy, enhance decision - making capacity and to ensure transparency and accountability. UDDIPAN’s Finance & Accounts Division is involved in five specific, but often interrelated, tasks. Five specific functions are (1) Recording Financial Transaction : ensuring that the organization has an accurate record of its revenue, expenses, assets, liabilities and capital; (2) Strategic Management Accounting :

providing information to assist managers and other internal users in their decision - making, performance measurement, planning & control activities and pricing; (3) Financial Reporting : providing information about the organization to external users that is useful to them in making economic decisions and for assessing stewardship of the organization’s management; (4) Treasury Management : managing the funds of the organization, namely cash and working capital items, plus long-term investments, short-term and long-term debt, equity finance and managing financial risk. And (5) Statutory Function : Organizational statutory function like approval taken from registered authority & meet regulatory requirement. The division collects financial information and report from all units of the organization where costs are incurred in order to control and safeguard financial transactions. In all that stages information are maintained in “ACCURATE” (A = Accurate, C = Complete, C = Cost-beneficial, U = User-targeted, R = Relevant, A = Authoritative, T = Timely and E = Easy to use) form.

UDDIPAN’s Finance & Accounts Division is presenting its financial statements in conformity with the General Accepted Accounting Practice (GAAP), Bangladesh Accounting Standards (BAS) and Bangladesh Financial Reporting Standards (BFRS). It is worthwhile to mention that UDDIPAN has been awarded by the ICAB in recognition of “Best Published Accounts & Reports” for consecutive years 2007-2008,

21Management Highlight

2008-2009, 2009-2010, 2010-2011, 2011-2012 & 2012-2013. UDDIPAN also has been awarded by SAFA for the year 2010-2011, 2011-2012 & 2012-2013 and ICMAB Best Corporate Awards 2014. The credit rating result of UDDIPAN is long term AA3 and short term ST-2 for consecutive years 2012-2013 & 2013-2014.

Human Resource Management (HRM)The Human Resource Management (HRM) is working to ensure productivity of UDDIPAN staff members towards achievement of organizational vision, mission and objectives. HRM functions as per the Human Resource Policy of the organization. The major tasks of the HRM include recruitment, placement, appraisal, promotion etc. It also looks after the disciplinary aspects of the staff members.

Human Resource Development (HRD) The key functions of HRD are to enhance staff performance through orientation, training, and Performance Management System. It designs and implements a variety of interventions for staff members aimed at realizing their potentials and increasing their professional competencies. The training program include participatory management, Credit Management, Financial Control, Accounting Cost Effectiveness, Organizational Development, Organization Management, Operation Management, Entrepreneurship Development, Sustainable Programming, Best Practices and Good Governance. HRD also organizes training on skill development, entrepreneurship, and livelihood options etc. for the beneficiaries.

Administration A full-fledged Administration Division as a backbone of the organization looks after the resources & services as presented below: Resource : Equipment (i.e. Computer, Photocopier), Vehicle, Furniture, Fixture, Stationary, Lift, Generator etc.Services : Accommodation, Electricity, Gas Water, Logistics, Maintenance, Security, Discipline, Utilization of service staff, dispatch, Food (Canteen) etc.

The Administration undertakes the following activities :• Procurement (As per manual)• Inventory & Assets Management• Vehicle Management• Maintenance of services/ Logistics like

electricity, water, gas, telephone, fax, lift, generator, IPS etc.

• Canteen Management• ProtocolA number of strategies are pursued to accomplish the tasks of Administration. The major ones inter alia, are : Planning, Review of Progress & Problems regularly (weeks/ monthly), job specification, vehicle management, canteen management, maintenance of services/ Logistics like electricity, water, gas, lift, generator, Computer & so on.

Internal Control and Risks Management Department (ICRMD)The Internal Control and Risk Management Department (ICRMD) have the responsibility to audit Organization activities as a service to the management.Up to June 2014, a total of 244 no. of branches including solar branches, head office and other projects are audited 450 times. Special audit in few branches were done, some branches were audited twice and some were once in a year.ICRMD addresses the following issues:• Verification of the accuracy of the financial

records and of related reports and statistics.• Ensuring that the standard accounting

practices of the organization is adhered. • Ascertain that proper authority is given for

the purchase and disposal of the assets of the organization, and that there is adequate protection afforded to, and efficient use of these assets.

• The prevention and early detection of fraud, corruption etc.

• Compliance with applicable law and regulation.

• Undertake special investigations as and when required by the management.

• Monitor implementation of field activities. As required by the management and the Audit and Monitoring Review Committee, the ICRMD provides the highest quality of auditing services and thereby enhancing fiscal control of the Organization.

22 Management Highlight

Information Technology (IT)Information Technology is a branch of engineering dealing with the use of computers and telecommunications equipment to store, retrieve, transmit and manipulate data. We can consider IT as "the study, design, development, application, implementation, support or management of computer-based information systems”. The term is commonly used as a synonym for computers and computer network infrastructures, data centers and server etc. It is such a tool that provides solution of every problem related to IT. The information technology (IT) section of UDDIPAN is keeping data safe of the history of UDDIPAN, its achievement milestone, progress of program implementation, finance and accounts, human resource management and development, research work, communication and inventory through a mentionable numbers of computers and laptops. The experienced and expert members of IT section are held responsible to maintain IT related accessories.

Information, Communication & Research The objective of the component is to empower the communities, development organizations, and members of media and civil society through organizing meetings, briefing, workshop, sharing sessions etc. with them. UDDIPAN has published materials viz information booklet, posters, leaflets, information folder, training manuals, sticker, and newsletters as part of the initiatives.

Such activities have encouraged the printing media to publish a number of features and success stories of UDDIPAN’s and the electronic media to organize a number of talk-show where UDDIPAN attended as discussant and some cases anchored the events that reinforced the confidence and commitment of staff members, target beneficiaries & people at large.

Offices of UDDIPAN UDDIPAN has its Head Office in the capital city and 12 regional offices at Comilla, Chittagong, Chandpur, Pirojpur, Kushtia, Rajshahi, Rangpur, Barisal, Patuakhali, Noakhali, Sylhet and Dhaka. The regional offices supervise & monitor implementation of the field programs & functioning through 244 branch offices. UDDIPAN has 3 Training Centers located in Dhaka, Chittagong and Pirojpur.

UDDIPAN Training CentersUDDIPAN has 3 hostels in Dhaka, Chittagong and Pirojpur which provide boarding and lodging to in-house participants in trainings, workshops, meetings, seminars, and sharing sessions. Participants from other organizations may use the facilities of the training centers & hostel against payment of reasonable charges. In addition, UDDIPAN hostel has well-furnished rooms with modern amenities for dignitaries from home and abroad.

23Management Highlight

1997 - 1998: • Started the new project tilled ``Coastal Fisher-folk Development Program (CFDP)’’ • Carried out huge relief & rehabilitation program in the flood-affected areas.

1998 - 1999: • CDP expanded in Bheramara- Kushtia. • Strengthening of existing programs.

1999 - 2000: Consolidation of major ongoing activities by adopting strategic plan for future program intervention.

2000 - 2001: Started a number of new social development programs like: • Strengthening Household & Access to Bari Gardening Extension (SHABGE) • Arsenic Mitigation and Water Supply Project (AMWSP) • Grihayan Tahabil (GT) • Competency Based Economies Through Formation Of Enterprise (CEFE) • Livelihood Project for Fisheries Household (LPFH)

2001 - 2002: • A new program on micro enterprise Development introduced. • 2nd phase of CDP undertaken with further expansion in 4 new areas.

2002 - 2003: Innovative program namely “Mobilization of Religions Leaders against Human Trafficking’’ introduced with a view to reduce the member of human trafficking in the traffic prone areas.

2003 - 2004: • Expanded MFDP program in new areas • Massive relief and rehabilitation program carried out in flood affected UDDIPAN area • Introduced BREAD-II • Community Mobilization Program Involving Imams in Anti-Trafficking (COMPIAT)

Projects in 20 traffic prone districts launched.

2004 - 2005: • Programs of UDDIPAN extended to 25 districts • HRD & HRM policy adopted • Introduced IT based financial management & information systems. • Joined two national level inter ministerial committees lead by MOHA

2005 - 2006: Undertaken new projects as stated below: • Agriculture Technology Transfer Project (ATTP) • Strengthening Household Ability to Respond to Development Opportunities (SHOUHARDO) • Expansion of Micro Finance Program covering 28 district • Received membership of Asian Muslim Action Network (AMAN)

2006 - 2007: • Construction of UDDIPAN HO Building started. • Huge relief and recovery support projects in SIDR affected areas undertaken. • Relief support provided to flood affected districts • Introduced programs like: - Programmed Initiatives for Monga Eradication (PRIME) - Micro finance Support Intervention for Food Security for Vulnerable Group Development (FSVGD) - Rehabilitation of Non-Motorized Transport Pullers and Poor Owners (RNPPO) - Special Assistance for Housing of SIDR Affected Borrowers (SAHOS) - Prevention and Protection of Victims of Human Trafficking in Bangladesh

(PPVHT-B)

UDDIPAN OVER THE LAST 15 YEARS - TIMELINESS

24 UDDIPAN over the last 15 years - Timeliness

- Remittance and Payments Partnerships (RPP) - Rehabilitation of SIDR Affected Coastal Fishery, Small Business and Livestock

Enterprises (RESCUE) - Child Led Organizations Promoting Child Rights (CLOPCR) - Child Friendly Safe Space • Received PKSF award from chief advisor as best partner organization

2007-2008: • ICAB Award for ‘Best Published Accounts and Reports’ New projects initiated: • Remittance and Payments Challenge Fund (RPCF) • Micro Initiative for Mutual Enabling (MIME) • Funding from new donors like UNICEF Bangladesh, Novib, Oxfam, Rabobank etc.

received.

2008-2009: • Community-based work to Develop Child Protection Mechanism (CDCPM) undertaken with the assistance of UNICEF.

• The scope & volume of Microfinance increased. • Training programs strengthened.

2009-2010: • ICAB Award for ‘Best Published Accounts and Reports’ • Opening and running of ‘Kafe Mukti’ undertaken with the assistance of IOM to

rehabilitate traffic survivors. • Sheep Breeding Farm established.

2010-2011: • New branches opened • Taken over MFP of an NGO namely ‘Good Earth’ in Comilla • Undertook new projects like; • Remittance in 42 branches in collaboration with IFIC Bank. • Enhancing Resources and Increasing Capacities of Poor Household Towares

Elimination of their Poverty(ENRICH) • Education to Protect Child and Youth Labours in Agriculture(EPCYLA) • Disaster Risk Reduction (DRR) • Programmed Initiatives for Monga Eradication (PRIME-South) • Grass Cultivation • Established Child Rights Governance Assembly (CRGA) Secretariat at UDDIPAN H.Q.

2011-2012: New programs like following initiated: • Rural Urban Child Migration Project (RUCMP)-Link • Gender Action Learning System (GALS) Project. • Shyammo

2012-2013: • Introduced Solar Home System (SHS) • ICAB Award by securing first position among NGOs for ‘Best Presented and

Published Accounts and Reports’ • Conferred award by SAFA

2013-2014: • Introduced SGSP Project in partnership with Manusher Jonno Foundation (MJF). • Conferred ICAB Award among NGOs for ‘Best Presented and Published Accounts

and Reports’ • Conferred ICMAB Award among NGOs for ‘Best Presented and Published

Accounts and Reports’ • Conferred award by SAFA

25UDDIPAN over the last 15 years - Timeliness

Thematic intervention : Some Highlights on UDDIPAN’s ContributionUDDIPAN has achieved the feat of contributing to the country’s development in course of its 27 years of functioning as a national-level organization. It now stands at the forefront of development ventures of NGO sectors. Its intervention in the vital thematic sectors and in the overall development pursuit of the country especially in the national priority field is remarkable & worth recognition. It is worthy to mention that the organization adopts holistic approach & strategy of development and as such its programs focus on economic development vis-a-vis Social Development of the people. Social performance is pursued in a planned way to benefit the target members comprehensibly.

Major contribution of the organization in the thematic areas is highlighted as under:

Poverty Alleviation Poverty is considered as the most pervasive problem of the country. Hence, alleviation of it constitutes national priority goal. UDDIPAN contributes tangibly in this sector through its various programs especially MFP. The MFP addresses the credit needs of the poor & marginalized section of the populace in order to open avenues of employment-cum-income generation. This has direct bearing on the poverty alleviation of the target people.

The MFP has so far spread over 220 branches in 162 upzilas of 24 districts. Its’ loanee members stand at 2.80 laks & cumulative disbursement of loan is about Tk. 38,761.89 crore. The income generating activities (IGA) include Agriculture, livestock, fishery, small business, ME etc. The ME sector is growing steadily to facilitate national productivity, employment scope & augmenting income towards poverty alleviation.

The PRIME program of UDDIPAN is a remarkable one having positive impact in the monga areas of the country. The ENRICH, one PO, one Union Project; Micro Insurance; Remittance project etc. are also contributing to the economic upliftment of the poor & providing Social Safety nets to them. Mentionably, MFP & other programs have also impact on the social development aspect of the target people in terms of enhancing their Social status, empowering women, providing safety nets to the vulnerable etc.

Gender Equity & Women’s Empowerment The gender issues are much-talked around the globe now-a-days. The empowerment of women especially in the developing countries like Bangladesh has gained prominence with a view to ensure gender equity among men & women. UDDIPAN is addressing the issue in right earnest & emphasis.

It is remarkable that about 88.67% of the target populace of UDDIPAN’s programs are women. The women target members under MFP & its sub-projects are provided with services by the organization to cater to their socio-economic needs. Those services have positive effect &

26 Thematic intervention: Some Highlights on UDDIPAN’s Contribution

impact to mainstream the women in the country’s national development endeavor & thereby, enhancing their socio-economic status & standing in the society at large. UDDIPAN contemplates to expand & strengthen its activities to address the issue of gender equity vis-a-vis man-woman parity in the upcoming days.

Establishment & Promotion of Child RightsUDDIPAN as a right based organization upwards the charter of universal human rights & CRC of UN. The code of conduct & ethical values of the organization are earnestly followed & practiced by its staff members at all tiers. The dignity, participation & equal scope to get services by the target people are ensured by the organization.

The EPCYLA financed & assisted by SCI is working since long to establish & promote rights of children through varied activities. These include education, capacity building, sponsoring child clubs, health & nutrition services, Programs on child rights are undertaken by UDDIPAN. Special emphasis is given to the areas like child & youth’s rights entitlement, employment of children & youth involved in agriculture, protection of girl children from early marriage, trafficking, discrimination etc.

Education & Training Education is considered as the gateway to one’s future and also pivotal to growth & development. It facilitates the process of

awareness building, participation in the development ventures and enhances the decision making capabilities of the people. UDDIPAN has interventional role to enable target people to come under the fold of education & training.

UDDIPAN contributes to enroll children of poor families in primary education through its project like EPCYLA (erstwhile CDP). The project also has programs viz non-formal, early childhood livelihood & protection education. The training is a vital sector of UDDIPAN. It organizes training for beneficiaries & staff members. The training centres at Chittagong, Pirojpur & Dhaka are utilized to implement own programs & training courses for other organizations. UDDIPAN has so far imparted training to about 8000 beneficiaries & staff members on human development & skill development.

Health & Nutrition The services related to health & nutritional need of the target members are provided by UDDIPAN through its various programs & activities. The services include primary health care, maternity care to women, child health care, nutrition education & support to children etc.

There is an in-built system of health services for the target people in UDDIPAN’s EPCYLA, PPVHT-B and other projects. Moreover, UDDIPAN is implementing a health program in collaboration with Anukul Foundation & Management Development Foundation. The


project has the provision to provide services like health checkup, ante-natal & post-natal care for women, Weight plotting of children, medicine supply etc.

Advocacy & Networking UDDIPAN attaches due importance to advocacy at local, national, regional & international forums. The advocacy, revolves round prime areas like upholding & promoting human rights (especially child & woman rights), issues related to climate change & its adverse impact, NGO functioning, microcredit services and so on.

UDDIPAN is an active member of many important national & international forums & network. It is actively involved in advocacy & lobbying with regard to vital national & international issues like human rights, good governance, anti-trafficking, gender equity, climate vulnerability, disaster management etc. UDDIPAN has network & linkages with many prominent forums & organizations like Microcredit Summit, MIX Market, AMAN, ARF, CDF, BSAF, CRGA, ATSEC, Girl Child Advocacy Forum, Coalition for Urban Poor (CUP), SCI, UNICEF, IOM & such other organizations.

Agriculture & ForestryAgriculture still remains the mainstay of the country’s economy contributing to the major sector of GDP. It also provides livelihood avenues for majority of the people especially labour force. UDDIPAN attaches importance

to the growth & development of agriculture, its productivity & the farmers. Under the purview of MFP, UDDIPAN provides services like training, credit etc. to the poor & marginalized farmers in all its working areas. As of June 2013, the organization has disbursed Tk. 1,292.10 million as agricultural loan & imparted training to 1480 farmers. It emphasizes to involve the farmers in new crops & high yielding varieties of products. Remarkably, UDDIPAN introduced maize cultivation in Daudkandi, Comilla which yielded bumper product & consequently, farmers are increasingly cultivating maize in the area. The cultivation of maize is gradually spreading over other areas of the country. The cultivation of cash crops like lentils, vegetable etc. and other sectors like fishers, livestock etc. are encouraged by UDDIPAN which is contributive to the overall agricultural productivity of the country.

Technical & Vocational Education and Training (TVET)UDDIPAN pursues the strategies & programs to implement technical & vocational education and training for the target members towards generating employment and income opportunities & scope for them. In addition to 3 training centres at Dhaka, Chittagong & Pirojpur, it has established 2(two) vocational training centres at Banskhali, Chittagong & Daudkandi, Comilla to impart training to the target member specially youths on various vocations.


UDDIPAN has already undertaken training programs & courses on electrical, electronics mobile servicing, computer literacy, poultry, nursery, welding, garments, sewing, leather sewing, tailoring, candle making etc. ranging from 6-12 months as deem necessary, Such training aims to generate & improve livelihood of the child & youth labourers in agriculture which in turn helps them to argument their employment & income scopes. As of June 2014, a big number of children & youths have been imparted training on various vocations viz Computer literacy, mobile servicing, tailoring, electronics etc. It is also mentionable that a total of 2700 youths have received skill development training under MFP during the reporting period.

Disaster, Climate Change & EnvironmentBangladesh is one of the most vulnerable countries to be worst hit due to climate change around the globe. The vulnerability of the country has been widely recognized in the international community. The country as a natural disaster prone one has experienced the aftermaths of natural calamities like flood, salinity, tidal bore, SIDR etc. The climate change will worsen the calamity situation in Bangladesh.UDDIPAN is ever aware of the climate change phenomena and natural disasters’ devastating impact. It has been working in the most vulnerable coastal areas like greater Barisal, Patuakhali and some areas of greater

Chittagong & Noakhali. The Disaster Risk Reduction (DRR) Project is under implementation by UDDIPAN dong with other NGOs with the assistance of SCI. Emergency Preparedness and Response (EPR) is another such Project of UDDIPAN.The organization attends specially to the children of the disaster vulnerable Zones. The “Child Safe Space” concept has been widely acclaimed in & outside the country which provided accommodation, food & educational facilities for the children affected by SIDR ( in 2007). UDDIPAN strives to undertake activities to cope with the adversities of climate change.In consideration of the environmental pollution UDDIPAN has also initiated green-energy project. The Solar Project is now piloted in some branches of Laxmipur district which is encouragingly benefiting the users i.e. beneficiaries. UDDIPAN contemplates to extend the Solar Project in other areas gradually.


Programs of UDDIPANOwing to its vision, mission and objectives, UDDIPAN has been implementing programs, projects and activities to bring positive changes in the lives & livelihoods of the target people- the poor & underprivileged children, youths, women & men. The programs are multifarious having holistic approach to serve the odds & needs of the poor. As evident from the narratives of the programs in the following pages, UDDIPAN’s projects and programs are clustered into the following:

Economic Development Programs

Social Development Programs

Knowledge, Potential & Capacity Building ProgramsThe details of the aforementioned programs are presented in the pages that go after.

Economic Development ProgramsLivelihood Promotion through Sustainable Income Generation

a. Micro Finance Program (MFP)

• Rural Micro Credit (RMC)

• Urban Micro Credit (UMC)

• Micro Enterprise Development (ME)

• Micro Finance and Technical Support (MFTS) Project

• Ultra Poor Program (UPP)

• Seasonal Loan Program (SLP)

• Special Assistance for Housing of SIDR Affected Borrowers (SAHOS)

• Rehabilitation of SIDR Affected Coastal Fishery Small, Business & Livestock (RESCUE)

• UDDIPAN Micro Initiative (UMI)

• Livelihood Restoration Program (LRP)

Livelihood Promotion through Sustainable Income Generation

b. Other Income Promotion Activities (Micro Credit Plus) • Programmed Initiatives for Monga Eradication (PRIME)• Alternative Livelihood Initiative for Jatka Fishers• Agricultural Based Micro Credit Program (AMCP) • Grihayan Tahabil (GT)• Micro Initiative for Mutual Enabling (MIME)• Emergency Flood Restoration and Assistance Program (EFRAP)• Learning and Innovation Fund to Test New Ideas (LIFT)• UDDIPAN Green Energy Project (Solar Home System)• Enhancing Resources and Increasing Capacities of Poor Household Towards

Elimination of Their Poverty ( ENRICH)• Remittance Transfer Project • Credit Life Insurance Project• Livestock Insurance Project• Health Insurance Project• Technical & Vocational Education and Training (TVET)• Stipend for Poor Students• Value Chain Project• Shammoy Project• UDDIPAN Sheep Breeding Farm• UDDIPAN Nursery

31Economic Development Programs

Micro Finance Program (MFP)Micro Finance Program (MFP) of UDDIPAN is a major economic initiative by which the target beneficiaries try to change their economic vulnerability to achieve a minimum standard of life. Through this program UDDIPAN tries to enhance critical awareness of the poor & underprivileged to analyze their own problems, prioritize them and to creatively find solutions of their own for implementation through mobilization of internal and external resources and thereby progressively fulfill their full potentials and enrich their lives through implementation of the integrated initiative. In partnership with Palli Karma Sahayak Foundation (PKSF), UDDIPAN is carrying out this venture with target population since 1989. The program is spread to 24 districts covering about 7,152 villages of 162 Upazilas.

The MFP comprises of six main components as stated below :

• Institution Building

• Income and Employment Generation (IEG)

• Gender Equity Development (GED)

• Legal Awareness (LA)

• Health, Sanitation, and Safe water Awareness

• Capacity Building

Sustainability of Branches (Number of Branches which are in Surplus)Particulars June June June 2012 2013 2014

No. of branches 219 219 220

No of yearly surplus 149 186 189branches

No of yearly deficit 70 33 31branches

No. of cumulative 124 140 157surplus branches

No. of cumulative 95 79 63deficit branches

No. of Cumulative Surplus & Deficit Branches

No. of Yearly Surplus & Deficit Branches

Yearwise Expansion of BranchesNo

June-

04

June-

05

June-

06

June-

07

June-

08

June-

09

June-

10

June-

11

June-

12

June-

13

June-

14

250

200

150

100

50

0

160

140

120

100

80

60

40

20

0Jun-12 Jun-13 Jun-14

No of Cumulative Deficit Branches

No. of Cumulative Surplus Branches

200180160140120100806040200

Jun-12 Jun-13 Jun-14

No of Yearly Deficit Branches

No. of Yearly Surplus Branches

32 Economic Development Programs

The MFP comprises of six main components as stated below :

Institution Building (IB)UDDIPAN believes that there should have a platform of the program beneficiaries through which all the development activities will be accomplished. This component aims to mobilize and organize the target people into male and female groups at the village, semi-urban and urban levels, including developing leadership and managerial skills. UDDIPAN facilitates the groups to participate in planning, designing, implementing and evaluating community demand driven activities to promote groups’ harmony & cohesiveness.

Income and Employment Generation (IEG)The objective of the component is to raise family income to reduce poverty through provision of skills education and micro credit to the beneficiaries for undertaking livelihood options. There are various kinds of IEG such as small trading, seasonal business, agriculture, fish culture, poultry and livestock rearing, beef fattening, nursery and plantation etc.

Savings GrowthUDDIPAN is trying to motivate beneficiaries to save money and to create a fund which will be used by them during emergency. This savings fund is gradually increased which stood at Tk. 1690.45 million as of June 2014.

Table - 01 : Savings Product as on June 2014

SL. Particular Amount in Tk.

a Short Term Deposits 134,30,68,183 (STD) (Regular Savings)

b Current Deposits 13,94,54,535 (CD) (Special Savings)

c Client Monthly 17,65,07,626 Deposit (CMD)

d Client Fixed 54,38,300 Deposit (CFD)

e Client Double 1,33,01,892 Deposit (CDD)

f Client Triple 17,80,000 Deposit (CTD)

g Client Lakhpoti 72,49,389 Deposit (CLD)

h Monthly Benefit 36,56,650 Scheme

Total 169,04,56,575

Year wise Member increase(No. in thousand) No

500

400

300

200

100

0

Jun-

04

Jun-

05

Jun-

06

Jun-

07

Jun-

08

Jun-

09

Jun-

10

Jun-

11

Jun-

12

Jun-

13

Jun-

14

No

300

250

200

150

100

50

0

Year wise Borrower increase(No. in thousand) No

Jun-

04

Jun-

05

Jun-

06

Jun-

07

Jun-

08

Jun-

09

Jun-

10

Jun-

11

Jun-

12

Jun-

13

Jun-

14

No


Loan Operation–Performance & TrendA regular flow of fund to the economic activities of beneficiaries is essential and this demand is gradually increased in both the number and size of the amount. Cumulative disbursement of micro-credit is Tk. 38,761.89 million to the beneficiaries up to the June 2014. Out of which, realization stood of Tk. 34,108.34 million and outstanding of Tk.4,653.55 million. Beneficiaries invested the loan amount in a variety of income generating activities. The performance of loan recovery of the organization is good having Cumulative Recovery Rate (CRR) and On Time Realization (OTR) rate is 99.41% & 98.92% respectively in June 2014.

Table - 02 : Savings and Loan Operation

Particular 2013-2014 2012-2013

No. of Branch 220 219

No. of Group Client 4,08,371 3,68,576

No. of Borrower 2,80,451 2,58,082

Savings Balance (Tk.) million 1,690.45 1,308,15

Credit Disbursement (Tk.) million 38,761.89 30,368.55

Realized (Tk) million 34,108.34 26,654.95

Loan Outstanding (Tk.) million 4,653.55 3,713.60

The loan comprises of some specific loan product viz. Rural Micro Credit (RMC), Urban Micro Credit (UMC), Micro Enterprise (ME), Micro Finance and Technical Support Project (MFTS), Ultra Poor Program (UPP), Seasonal Loan, Livelihood Restorations Program (LRP), Rehabilitation of Non-Motorized Transport Pullers and Poor Owners (RNPPO).

Year wise Loan Outstanding Position No

No

Jun-

04

Jun-

05

Jun-

06

Jun-

07

Jun-

08

Jun-

09

Jun-

10

Jun-

11

Jun-

12

Jun-

13

Jun-

14

600

400

200

0

Year wise Savings Growth Amount

Amount

Jun-

07

Jun-

08

Jun-

09

Jun-

10

Jun-

11

Jun-

12

Jun-

13

Jun-

14

180

160

140

120

100

80

60

40

20

0


Staff Productivity

The loan comprises of some specific loan product viz. Rural Micro Credit (RMC), Urban Micro Credit (UMC), Micro Enterprise (ME), Micro Finance and Technical Support Project (MFTS), Ultra Poor Program (UPP), Seasonal Loan, Livelihood Restorations Program (LRP), Rehabilitation of Non-Motorized Transport Pullers and Poor Owners (RNPPO),

Special Assistance for Housing of SIDR Affected Borrowers (SAHOS) and Rehabilitation of SIDR Affected Coastal Fishery Small Business & Livestock (RESCUE). Programmed Initiatives for Monga Eradication (PRIME), Micro Finance Support Intervention for Food Security for Vulnerable Group Development (FSVGD), Alternative Livelihood Initiative for Jatka Fishers, Agricultural Based Micro Credit Program (AMCP), Solar Home Systems (SHS) and Grihayan Tahabil (GT). Each loan product has some specialty of the nature in consideration of the target beneficiaries.

Particulars June’10 June’11 June’12 June’13 June’14

No. of Credit Officer (CO) 927 947 951 985 1049

Member/CO 293 309 359 374 389

Borrower/CO 217 225 251 263 267

Savings/CO (Lac)/Year 4.51 5.47 11.02 13.39 16.11

Disbursement/CO (Lac)/Year 41.95 49.06 55.01 69.55 80.07

Outstanding/CO (Lac) 22.14 25.31 30.49 37.70 44.36

90

80

70

60

50

40

30

20

10

0June 2010 June 2011 June 2012 June 2013 June 2014

Loan Disbursement (Tk. Lac) Loan Outstanding (Tk. Lac)

Staff Productivity


Sl. Loan Product

Cumulative loan Amount in Tk. (million)

No. Disbursement Realization Outstanding01 Rural Micro Credit (RMC) 15,678.63 14,366.85 1,311.7902 Urban Micro Credit (UMC) 6,522.72 5,946.21 576.5103 Micro Enterprise (ME) 8,359.48 6,954.68 1,404.8104 Micro-finance & Technical Support Project (MFTS) 327.70 326.56 1.1405 Ultra Poor Program (UPP) 2,510.06 2,164.37 345.6906 Livelihood Restoration Program (LRP) 126.14 110.47 15.6707 Seasonal Loan 2,534.66 2,159.66 375.0008 RNPPO 94.64 94.64 0.0009 SAHOS 40.28 34.68 5.6010 RESCUE 101.09 94.74 6.3611 Agri. Micro Credit 2,287.85 1,741.97 545.8812 Grihayan Project 7.00 6.73 0.2713 EFRRAF 36.31 36.12 0.1914 LIFT 14.53 10.30 4.2315 Green Energy 90.39 35.56 54.83

16 Shammo 19.47 14.39 5.08

17 ENRICH 10.93 10.41 0.52

Total 38,761.89 34,108.34 4,653.55

Sl. Loan Product

Cumulative loan Amount in Tk. (million)

No. Disbursement Realization Outstanding

01 Rural Micro Credit (RMC) 13,296.57 12,182.87 1,113.70

02 Urban Micro Credit (UMC) 5,465.22 4,958.96 506.25

03 Micro Enterprise (ME) 5,940.27 4,865.56 1,074.70

04 Micro Finance & Technical Support Project (MFTS) 327.70 326.42 1.28

05 Ultra Poor Program (UPP) 1,901.92 1,603.89 298.03

06 Livelihood Restoration Program (LRP) 126.75 111.72 15.03

07 Seasonal Loan 1,725.20 1,416.61 308.59

08 RNPPO 94.64 94.64 0.00

09 SAHOS 40.27 34.03 6.23

10 RESCUE 101.09 94.15 6.93

11 Agriculture Micro Credit 1,292.10 932.23 359.87

12 Grihayan Project 7.00 6.68 0.31

13 Green Energy (Solar Project) 23.55 8.54 15.01

14 LIFT 8.74 5.24 3.49

15 Shammo 10.48 6.36 4.12

Total 30,361.56 26,647.96 3,713.60

Table - 03 : Loan Product at a glance as on June, 2014


Skill Development Training (SDT)Skill development training provided for the loanee members include pond fish cultivation, poultry, milk cow, animal fattening, goat rearing etc. Skill development training provided by the external resources persons mainly govt. officials of agriculture and livestock departments. These skills enable the group members to carry out income generating livelihood activities. As of June 2013, Skill development training was provided to 40,670 members.

Gender Equity Development (GED)Gender Equality Development (GED) aims to bring positive changes in gender relation and the human rights situation in the targeted families and communities. The component is mostly focused to women. Facilitating interventions under the component include provision of training and counseling to female group members and their spouses, organizing workshops and follow-up seminars, observation of various international days. UDDIPAN has provided a variety of services to 6970 female clients and 1312 of their husbands that helped the women to participate in decision-making in their families and communities and raise their social status.

As an organization sensitive to gender equity and equality, UDDIPAN has a conscious and well articulated gender policy that offers equal opportunity to the staff members for participation in the decision-making process of the organization.

Legal Awareness (LA) Under the purview of this component, UDDIPAN aims to facilitate legal awareness raising of the targeted people and improving conditions for establishing their legal rights. The activities include provision of legal rights education, social mobilization and observation of legal right days, and resolution of conflicts, disputes, etc. by amicable means or Shalish.

Health, Sanitation and Safe WaterThe component aims to provide services towards improvement of health and hygiene, sanitation and safe water status through activities like training to group members on relevant issues, awareness raising, establishing linkage between GO and NGO for mobilization of resources in this respect and installation of tube-well and sanitary latrine. With participation of community members. UDDIPAN facilities screening of arsenic contaminated tube-wells, identification of arsenic patients, raising awareness on use of safe water and developing action plan for installing alternative sources of safe water. With hardware assistance from the government, UDDIPAN and local communities install arsenic free tube-wells in the working areas. The rate of using safe water for drinking is 100% and that for other household works’ is 94% among beneficiaries.

Rural Micro Credit (RMC) and Urban Micro Credit (UMC) These Credit Programs are implemented in 89 Rural Upazilas and 52 Urban Areas for the poor target members mostly women in order to undertake employment cum- income generating activities. As on June 2014, Tk. 15,678.63 and Tk. 6,522.72 millions have been disbursed under RMC and UMC program respectively. The Realization rate of loan is more than 99% approx. It is worthy to mention that the targeted people are imparted required training on skill development to undertake IGAs effectively.

Micro Enterprise Development (MED)Conventional banks with their demand for collateral and referral make it difficult for the poor entrepreneurs to qualify for loans and allied financial services. Typically also the poor entrepreneurs fall through the net because the sizes of the loans they require are too small to meet their increasing demand. UDDIPAN has played a pioneering role in its efforts to break the bottleneck by developing its micro enterprise products and services that better fit the needs of the poor business owner. Since its starting remarkably in 2005, UDDIPAN’s Micro Enterprise Program has helped 20,100 entrepreneurs, mostly women, up to June 2013.

ApproachThe core aspect of the UDDIPAN Micro Enterprise Programme is its strength in reaching the poor entrepreneurs and specializing in a credit-plus approach. This approach relies heavily on organizing the small entrepreneurs and preparing them to make effective use of development interventions. Accordingly, the targets of the UDDIPAN Micro Enterprise Programme loans are clearly defined. Loans are coupled with varying packages or services such as skills training, the provision of higher quality inputs, technical assistance and marketing facilities. For their part, UDDIPAN field based Credit Officer (CO) working directly with the loanee helps to organize entrepreneurs into groups of 10 to 15 to set up a regular savings scheme among members and link them up with UDDIPAN’s other interventions available in social development program. The social development intervention includes leadership training and training in entrepreneurship skills, including budget planning and the management of loans. These are individual loans granted to both male and female’s entrepreneurs. First started in 2005 the subsequent growth of the program over last 8 years is remarkable. The immediate function of such loans is to enable small entrepreneurs to expand their business or capital base for operating costs. The ultimate goal is to strengthen capabilities for employment creation.

Micro Enterprise Loan of UDDIPAN Conventional bank with their demand for collateral and referral make it difficult for the poor entrepreneurs to qualify for formal loans and financial services. Typically also the poor entrepreneurs fall through the net because the sizes of the loans they require are too small to interest mainstream financial institutions. To support them UDDIPAN has came forward to play a pioneering role in its efforts to break the impasse by developing its Micro enterprise products and services that better fit the needs of the poor entrepreneurs.

The core feature of the UDDIPAN Micro enterprise loan is its strength in reaching the poor entrepreneurs and specializing in a credit-plus approach. This approach relies on organizing the small entrepreneurs in group and preparing them to make effective use of credit and technology. Accordingly, the targets of the UDDIPAN Micro enterprise loans are clearly defined. Loans are coupled with varying packages or services such as skills training, the provision of using higher quality inputs, technical assistance and marketing facilities. For its part, UDDIPAN field based credit officer(CO) working directly with the client help to organize entrepreneur into groups of 05 to 10 and set up a regular savings program among members. Before disbursement of loan, a simple and intensive feasibility study carried out by physical verification of the enterprise and consultation with entrepreneur. This process helps to assess the real need of fund and services required to make their real development and as well as the safe return of the money back to UDDIPAN. As part of its supportive approach UDDIPAN always keep close contact with the client and when needed provide some other services like training on ME development and linkage development or row material suppliers and product selling process. Almost all ME loan are individual granted to both male and female entrepreneur.

First started in 2004-05, the subsequent growth of the program over last 9 years is remarkable. The immediate objective of this loan is to enable small entrepreneur to expand his business or

capital base for operating cost. The ultimate goal is to strengthening capabilities of the borrower for his and others employment creation.

Year wise growth of Micro Enterprise loan in UDDIPAN

Financial No of Amount year lonee disbursed (crore)

2007-08 2332 11.90

2008-09 5431 31.36

2009-10 11505 85.99

2010-11 13684 124.43

2011-12` 17583 133.88

2012-13 20257 189.36

2013-14 24309 246.92

Income Expenditure SurplusJu

n-04

Jun-

05

Jun-

06

Jun-

07

Jun-

08

Jun-

09

Jun-

10

Jun-

11

Jun-

12

Jun-

13

Jun-

14

120

100

80

60

40

20

0

-20
















2007-08 2332 11.90

2008-09 5431 31.36

2009-10 11505 85.99

2010-11 13684 124.43

2011-12` 17583 133.88

2012-13 20257 189.36

2013-14 24309 246.92
















2007-08 2332 11.90

2008-09 5431 31.36

2009-10 11505 85.99

2010-11 13684 124.43

2011-12` 17583 133.88

2012-13 20257 189.36

2013-14 24309 246.92

2430925

20

15

10

5

0

2007

-08

2008

-09

2009

-10

2010

-11

2011

-12

2012

-13

2013

-14

20257

17583

1368411505

5431

2332

No of lonee

No of loanee

Amount disbursed (crore)

Amount disbursed (core)

300

250

200

150

100

50

0

2007

-08

2008

-09

2009

-10

2010

-11

2011

-12

2012

-13

2013

-14


Regarding activity wise lending, considering the reporting year(2013-2014) disbursement following graph shows that 63% loan disbursement on small trade, 19% on agro based enterprise (agriculture, livestock and fish culture), 10% on service sector, 5% on transport and 3% lone on food processing was received by 24309 borrower.

Micro Finance and Technical Support Project (MFTS)This is an IFAD funded project through PKSF. The project carried out in 3 branches namely Jhalokathi, Binoykathi of Jhalokathi district and Sutiakathi branch of Pirojpur district. The objectives of this project are to generate employment, increase family

income, and meet the demand of poultry and livestock in family level as well as in the locality. Credit under this project is provided to selected target poor families in some selected income generating activities viz. livestock, poultry rearing and hatchery, duck farming, buck station, vaccination, fish culture etc. through provide training and technical support to the borrowers so that they could utilize modern knowledge and technology in effectively undertaking IGAs. As on June 2014, an amount in Tk. 327.70 Million was disbursed under this project. The phase of this project is out now.

Ultra-Poor Program (UPP)Ultra-Poor program is implementing within 109 branches covering 1315 villages, 311 Unions, 92 Upzilas under 22 districts. The major objectives of the Program are to facilitate access of the beneficiaries to financial services, and to extend skill training and other capacity building support so that they develop and implement income generating activities in a sustainable manner.

Table-04 : Ultra-Poor Program (UPP)

Particulars 2013-2014 As on June’14

Member Enrolment cumulative 41,168 1,74,572

Number of Current Members 32,244 1,09,629

Savings collection (Tk) 10,69,41,138 36,72,49,046

Current Savings 4,07,56,665 16,62,34,488

UPP Loan distribution (Tk) 60,81,33,000 250,96,10,000

UPP Loan Outstanding (Tk) 34,56,91,806 34,56,91,806

UPP Cumulative Borrowers 46,080 2,79,836

UPP Current Borrowers 47,609

0

20

40

60

80

100

1st Qtr 2nd Qtr 3rd Qtr 4th Qtr

East West North

East West North

0

1020

3040

5060

7080

90

1st Qtr 2nd Qtr 3rd Qtr 4th Qtr

Trade wise ME loan

Small TreadingAgricultureFood processing

TransportService sector Others business


UDDIPAN Micro Initiative (UMI)UDDIPAN Micro Insurance (UMI) program aims to provide social safety net and security service to the vulnerable poor people through mutually beneficial insurance products. The Program has been implementing by UDDIPAN since July’2008 in 3 Districts named Comilla, Chandpur and Chittagong within 23 selected Branches. The target clients of this project a) 30% of the policy owners is ultra poor; b) 70% of the policy owners is poor and marginal level.

Table-05 : Achievement of UMI

Particulars 2013- 2014 As on June’14

Client Admission (Member) 4,550 21,634

Premium collection (Tk.) 1,57,37,550 6,10,43,700

Surrander 913 4,116

Death Claim statelment (person) 18 76

Death Claim satelment Tk. 2,92,320 9,38,720

No. of Potential clients Training - 4,162

Health service for beneficiaries - 220

Livelihood Restoration Program (LRP)This program is a need based one for the target poor as and when their livelihoods and vocations are hit by disaster especially by natural calamities like flood, flash-flood, heavy rainfall, drought, tornado, Cyclones etc. The loan is provided to the affected poor people to restore their livelihoods or to go for alternate employment options or restart their damaged IGA caused by disaster. LRP is implemented 95 Upazilas spread over 1151 villages/Wards. An amount of cumulative Tk. 126.75 million was disbursed as loan under this product as on June 2013.

Learning and Innovation Fund to Test New Ideas (LIFT)This initiative is being taken in Kurigram Sadar, Chilmari, Golachipa, Kalapara and Dosmina Upzila of Kurigram, Patuakali and Borguna district under 9 Branches where every year many families lost their house with cultivable land by river erosion and became landless. This distress poor family try their best to survive and sale their manual labor to landlord. The objective of the project is to give them loan to take land on lease and produce seasonal crops and vegetable to ensure food security and nutrition. As on June 2014 UDDIPAN covered 136 villages under 19 unions with 464 no. of beneficiary and cumulative disbursement of loan Tk. 16.52 millions only. Now they are cultivation paddy, maize, vegetable, banana, water millennium, dal etc in that leasing land. In that processes the income and status are increasing day by day.

Seasonal Loan Program (SLP)Seasonal Loan Program (SLP) is implemented in 146 branches in 79 Upazilas of 18 districts. Up to the reporting period, an amount of cumulative Tk. 1,725.20 million was provided as loan to the borrowers.

Such Loan is provided to target poor who have taken agriculture as profession willing to undertake Seasonal income generating activities especially seasonal agriculture crop productions and beef fattening considering as more profitable ones which vary from season to season and areas also.


Rehabilitation of Non-Motorized Transport Pullers and Poor Owners (RNPPO)This is a World Bank project through PKSF. The project has the objective to rehabilitate and bring about socio-economic development of those non-motorized transport pullers and poor owners who have been prohibited by the government from pulling their non-motorized transports in the Mirpur Road of Dhaka (from Gabtoly to Azimpur). The organized groups have the opportunity to avail credit support and skill training, entrepreneurship development training and training on awareness raising.

As on June, 2014 the following areas have been covered and activities have been accomplished by the project:

Number of Branch covered- 9 (under Dhaka Metropolitan area).

Table-06: Achievement of RNPPO

Name of activities Achievement Up to June 2014 Achievement %

Client Enrollment 6,056 100

Loan distribution (Million Tk.) 94.64 100

Loan Outstanding (Million Tk.) 0.0 00

Training on General Issues for Beneficiaries 4,865 100 (246 batch)

Skill Training for Beneficiaries 312 65 (26 batch)

N.B.: This project ended in June, 2009

Special Assistance for Housing of SIDR Affected Borrowers (SAHOS)The people of southern part of the country suffered immensely due to the super cyclone ‘SIDR’ that ravaged the areas in November 2007 & let many lives, livelihoods and assets destroyed. Houses of the SIDR hit people had severely been destroyed. In order to assist the micro credit borrower for rebuilding or repairing their houses, the initiative of providing them interest free loan has been taken up. The duration of the project is for three years and this project is implemented in 21 upazilas of Barisal, Pirojpur, Jhalokathi, Bagerhat, Barguna and Patuakhali districts. Up to the reporting period an amount of Tk. 40.28 million was disbursed as interest free loan. As on reporting period June 2014, total outstanding is Tk 5.60 million.

Rehabilitation of SIDR Affected Coastal Fishery Small Business & Livestock (RESCUE)The cyclone SIDR left many borrowers of UDDIPAN homeless and destroyed their livelihood choices. The ‘RESCUE’ project aims to provide financial assistance (with a minimal 4% service charge) to the poultry farmer, cow rearer, shrimp farmer, fisher community and micro entrepreneurs to restart their IGA and thereby create employment opportunity. The duration of the project is three years and is


Agricultural Income Promotion Project (AIPP)The economy of Bangladesh largely depends on agriculture in which the small and marginal farmers are the main force of agriculture. But the production is not satisfactory due to lack of investment, natural disaster, lack of modern technology, lack of technical knowledge and skill. With the assistance from Agricultural Income Promotion Project (AIPP), UDDIPAN has been implementing the program.

Type of Loan Disbursement in Agriculture Program for 2013-2014

Particulars 2013-2014

Number of District 23

Number of Upazila 87

Number of Branches 125

Number of V.O formation 2751

Number of Group Client 28067

Grihayan Project (GP) The Project provides long-term soft loan to the poor families. The target was to provide a long-term soft loan of Tk. 20,000 to each of the 350 families to be repaid in 10 years. UDDIPAN has achieved 100 percent target through lending Tk. 70,00,000 during the 1st phase for constructing 350 houses with sanitation facilities and easy access to safe water. The loanees have refunded Tk. 67,30,000 as of June 2014. The piloting has been found to be successful by fulfilling the dreams of the poor to own houses. The GP will be expanded in the coming years.

Emergency Flood Restoration and Assistance Program Under the Disaster Management Loan, the EFRRAF loan is disbursed among the beneficiaries who are affected by the river bank erosion, flood, severe natural disaster, poverty and have their dwellings in chars and remote marginal areas. Beneficiaries can use this loan against pre and post disaster management, safe water and sanitation and restore of economic activities and consumption. Total cumulative disbursement is Tk. 36.30 million and outstanding is Tk. 0.21 million as on June 2014.

UDDIPAN Green Energy Project (Solar Home System-SHS) It is a new intervention of UDDIPAN to provide electricity in the household level by using solar energy primarily with the technical assistance of Rahimafroz Bangladesh Limited where national electric gridline is not yet established. The project is started in May 2011 and is initially being implemented in 6 Branches of Laxmipur district. With a view to expand SHS program UDDIPAN became a partner with Infrastructural Development Company Limited (IDCOL) in last February 2013. UDDIPAN Gradually expanding the program in other working areas giving emphasis in off-grid areas. As on June 2013, with the assistance from IDCOL UDDIPAN expanded the program in 40 branches under 25 upazilas of 6 districts and 1082 no. of SHS have been installed in the project areas so far.

Enhancing Resources and Increasing Capacities of Poor Households towards Elimination of Their Poverty (ENRICH)Enhancing Resources and Increasing Capacities of Poor Household towards Elimination of their Poverty (ENRICH) is an integrated pilot project started in February 2010 with the support of PKSF which is being implemented in Parerhat Union of Zianagar Upazila under the District of Pirojpur. The Programme seeks to end poverty of 2,729

puddles out of 4,329 of Parerhat Union where 20,046 people are living currently. UDDIPAN has been working with those poor households’ members in association with the local government and other committed stakeholders to help them lift themselves out of poverty, so that they can bring changes in their socio-economic condition by themselves.

ENRICH created access to appropriate technologies as well as to health and education so that their empowerment & productivity would increase, so that they can optimize returns from their market operations.

The major activities that are being implemented under the program ENRICH listed below:

Table-02: IGA Training- Programmed Initiatives for Monga Eradication (PRIME) as on June’2014 Name of IGA Training 20013-2014 As on June’14 (Persons) (Persons)

Goat Rearing 450 3325

Beef Fattening 525 2574

Sheep Rearing 100 1725

Duck Rearing 250 1323

Poultry Rearing 300 949

Layer Rearing - 350

Buck Rearing - 100

Tailoring 175 1025

Mat Making - 250

Milking Cow Rearing 275 2974

Heifer Rearing - 1000

Vermi Compost 756 1475

Homestead Vegetable - 1625Production

Commercially Vegetable 1025 2075Cultivation with Potato

Crop Cultivation flow the - 650Cropping pattern

Fish Cultivation 300 748

Nursery 200 350

Bamboo & Cane Product Making 100 674

Carchupi (Handicrafts) 100 225

Cap Making 50 50

Total 4,606 23,467

Table-03: Vocational Training Programmed Initiatives for Monga Eradication (PRIME) as on June ’2014

Name of Vocational 2012-2013 As on June’13Training (Persons) (Persons)

Mobile Servicing 15 45

Electric House Warring 15 58

Motor Mechanic 15 59

Tailoring 00 45

Trach Fitting 00 06

Sweater Making 00 25

Total 45 238

Glaring Success of PRIME Established Potential IGA by offering GrantsThis program tries to bring those targeted beneficiaries to the mainstream development processes who are widow, abandoned, divorcee, beggar and the women heading their households. This program has distributed a total of 34,80,000 BDT among 754 families of those group of people to run their IGA in this financial year in the northern and southern part of Bangladesh. IGAs which are being developed and run by this support include broiler and layer rearing, dick rearing, goat and sheep rearing, vegetable cultivation on commercial basis, weed/grass cultivation, crab fattening, establishment of vermin compost farm etc. A technical officer has been there to look after these schemes and providing all out support to the target groups. In the meantime, almost all the beneficiaries are getting benefits from their IGAs. These introduction and establishment of IGAs have paved a new way of instances before the poverty-stricken community people and encouraged them to do more innovative and demand driven IGAs in their respective community.

Free Eye Camp and Lens ReplacementThe PRIME project organizes ‘Eye Camp’ in its implementing areas where the vulnerable and rights-deprived community people offers eye treatment free of cost. The poor program beneficiaries who have been suffering from various complications of eye and are offered free treatment. During the reporting year, a total of 108 beneficiaries have been offered treatment on eye complications. A total of 20 persons have been undergone cost free eye operation. Now the treatment recipients have been able to see the world with a new vision.

Education facilities for children of Monga AreaUDDIPAN under the aegis of PRIME achieved spectacular success in enrolling 8 poor children of Monga area (Chilmari upazila of Kurigram) in

the Model School & College, Bogra. Now 5 no. of children are the student of class six and 3 no of children are in class five. The children will get free education up to 12th grade along with free lodging, food & other facilities. The program has been sponsored by PKSF in collaboration with the Rural Service Foundation (RSF) which runs the said School & College.

Employment Avenue abroad In collaboration with PKSF, UDDIPAN launched a program namely “Programmed Initiatives for Monga Eradication (PRIME)” in the Monga affected areas to cope with the appalling conditions of Monga affected poor people and to bring about socio-economic development of those poor. Under the fold of PRIME a venture to create employment avenues abroad for the poor people of the Monga areas has been initiated. Consequent upon the venture, 5 people from Nayerhat and Chilmari branches of UDDIPAN was sent to Malayasia with jobs with the assistance of BMET. Three persons are working in Bicycle Factory and 2 persons are working in Computer Factory. For this purpose, UDDIPAN provided loan of taka 90,000 to each of five beneficiaries in soft terms. In presence their families overcome the monga situation.

Vocational & IGA training change their Social & economical statusVocational and Skill Development Training is the major component of PRIME Program. General Electric and House Wiring, Motor Mechanic, Dress Making Tailoring, Mat making, Sweater making, Rod binding, Goat Rearing, Beef Fattening, Milking Cow Rearing, Poultry & Duck Rearing, Vegetable Cultivation, Nursery, Bamboo

& Cane Product making are the major training courses for the potential Group members. Total number of participants are 18,861 participated in the course, among of them 13,014 participants were youth. They are skilled on their occupation after receiving the training. The participants have established success IGA and developed entrepreneurship. In presence their family overcomes the monga situation.

All is Well with SharbanuHere goes the story of Sharbanu from the far-away Amtali, sub-district of Barguna district. Sharbanu is in fact, Nasima’s mother-in-law. In the humble and poor household of her day-labor son, at one point, Sharbanu couldn’t help but feel a sense of helplessness creep up to her. She was aged as it was. And gone with the woman who had once stood her ground against SIDR, Aila and Mahasen, as her eyes began to fail her. Her vision was considerably blurred. Over the years, in her struggle for poverty alleviation, Nasima had warmed up to UDDIPAN. From this very source, Nasima took the advice of an UDDIPAN Village Paramedic, to take her mother-in-law to the eye camp organized by UDDIPAN’s Kalapara Branch. The doctor there recommended Sharbanu to undergo eye surgery as soon as possible. Within a few days, with the help of UDDIPAN Amtali branch through their PRIME project, Sharbanu was taken to Patuakhali EYE Hospital. There she underwent the surgery to remove the layer that was forming over her eyes and hindering her vision, completely free of cost.

All is well with Sharbanu now!

implemented in 20 upazilas of Barisal, Pirojpur, Jhalokathi, Bagerhat, Barguna and Patuakhali districts. Up to June 2014, an amount of Tk. 101.09 million was disbursed among the beneficiaries who have lost or damaged their IGA. As on reporting period June 2014 total outstanding is Tk. 6.36 million.

Other Income Promotion Activities (Micro Credit Plus) Alternative Livelihood initiative for Jatka Fishers

The project is being implemented in Haimchar and Uttar Ulgey branches of Chandpur district. As on June 2014, a total of (Million Taka) 275.11 is disbursed as loan and Client’s Savings (Million Taka) stands at 14.42.

Programmed Initiatives for Monga Eradication (PRIME)The PRIME has been undertaken in the Kurigram, Rangpur, Patuakhali and Barguna district with a view to eradicate ‘monga’ (near famine) with an integrated approach in different locations of the district which is funded by PKSF. The objectives of the project are a) to capacity build up against Monga situation b) to create immediate and long-time employment opportunities for the severely affected ultra poor (suffering from food crisis). The major activities of the project are:

Formation of groups by the targeted people identified through survey.

Provide Flexible Micro-credit loan for IGA especially during disaster to make the target beneficiaries self-reliant.

Provide Emergency (Consummation) Loan for target household.

Primary Health Care service for target household.

Impart Skill and Vocational training to the target people for generation of income.

Provide Technical service for implementation the IGA.

Creation of employment for the ultra poor during ‘monga’ by developing rural infrastructure.

As on June 2014 the following areas have been covered and activities have been accomplished by the project: In this project there are 28 branches under Kurigram, Rangpur, Patuakhali and Barguna Districts.

Table 01 : Achievement of PRIME

Name of activities 20013-2014 As on June’14

Number of Member 8,831 87,270EnrolmentEmergency Loan 3,54,30,000 10,09,87,000distribution (Tk.)Emergency Loan 8,942 30,589distribution (Member)UPP Loan disburse (Tk.) 51,83,07,000 190,59,46,000UPP Loan distribution (Member) 35,371 1,89,463IGA Skill training for Beneficiaries 4,621 23,532Vocational Training for Beneficiaries 45 238Model IGA establishment 2431 5,745IGA Mapping 772 1,083Seed Distribution for 53,800 1,21,000Beneficiaries (No)General Health Service 43,724 4,36,937for BeneficiariesOrganized Satellite Clinic 2,368 5,316Organized Health Camp 116 250Organized Eye Camp 2 6Eye Operation 20 76Health educational by Courtyard 23,875 48,884session (courtyard no.)























Layer Rearing - 350

Buck Rearing - 100

Tailoring 175 1025

Mat Making - 250








Nursery 200 350



Cap Making 50 50

Total 4,606 23,467






Tailoring 00 45

Trach Fitting 00 06


Total 45 238















































Layer Rearing - 350

Buck Rearing - 100

Tailoring 175 1025

Mat Making - 250








Nursery 200 350



Cap Making 50 50

Total 4,606 23,467






Tailoring 00 45

Trach Fitting 00 06


Total 45 238















































Layer Rearing - 350

Buck Rearing - 100

Tailoring 175 1025

Mat Making - 250








Nursery 200 350



Cap Making 50 50

Total 4,606 23,467






Tailoring 00 45

Trach Fitting 00 06


Total 45 238

























Type of Loan Disbursement

Livestock37.68%

AgricultureEquipment

0.64%

Crop56.81%Fisheries

4.87%























Layer Rearing - 350

Buck Rearing - 100

Tailoring 175 1025

Mat Making - 250








Nursery 200 350



Cap Making 50 50

Total 4,606 23,467






Tailoring 00 45

Trach Fitting 00 06


Total 45 238

























Sl Particular Number Financial Year 2013-2014 CumulativeNo Target) Achievement (Achievement)

Health Activity :

1 Health Card Sale Number 600 832 2,2162 Satellite Clinic Organize Number 52 36 1033 Provide Service to Client through Number 1,560 1,465 4,088 Satellite Clinic4 Health Camp Organize Number 4 5 85 Cataract Operation Number 50 49 1036 Glasses Distribution (person) Number - 103 103

Education Program Information :

7 Total Education Center Number 50 50 508 Total Student Number M-730, M-730, M-730, F-760 F-760 F-7609 Average Attendance Number - - 27.26

Improve Cooking Stove :

10 Improve Cooking Stove Installation Number 90 85 332

Medicinal Plant :

11 Total Entrepreneur Number 53 53 5312 Total Cutting Installation Number 25,000 2,500 92,50013 Total Cutting Sale Number - 84,200 84,200

Special Savings :

14 Established ENRICH Center (nos) Number 09 09 09

Community Based Structural Development :

15 Sanitary Latrine Installation Number 53 53 7116 Tube well Installation Number 46 32 5017 Pond send Filter Installation Number - - 0318 Culvert Installation Number 40 40 10219 Ring Slab Latrine Installation Number 1,313 1,313 1,313

Seed Distribution :

20 Seed Distribution Among the Client (Person) Number 1,500 1,500 1,500


Value Chain ProjectThe project is especially for socio-economic improvement of fishermen is being implemented in Natore Sadar and Singra upazila of Natore district. The objective of the program is to promote marketing system of fish and fish product, ensuring fish price, employment creation and hence to increase the income of the fishermen community through providing training. In addition, the project also contributes to exposing producers and holds control over markets. As on June 2014 a total of 600 fishermen got training on modern fish cultivation and marketing system.

Remittances Transfer ProjectThe Program has been implementing by UDDIPAN since May’2011 in 25 Districts named Dhaka, Comilla,, Chandpur, Noakhali, Feni, Luxmipur, Chittagong, Cox’s Bazar, Pirojpur, Patuakhali, Borguna, Jhalokathi, Barisal, Bagerhat, Kustia, Pabna, Natore, Rajshahi, Noagan, Rangpur, Chapai Nawabgonj, Kurigram etc under 220 Branches with the assistance of IFIC Bank and PRIME Bank. The initial stage Oman International Exchange (OIE), Multinet Trust Exchange (MTE), Coinstar Money Transfer (CMT), Express Money services (XME) and Western Union (WU) supported as a remittance exchange house. The main objectives of the project are:

This is the service provide oriented project.

To swift and easily handover the remittance within the client in the parry ferry level which come from aboard.

Sl Particulars 2013-2014 As onNo. June, 2014

1 Received the Service 3,319 11,304 (Persons)

2 Transfer the 6,59,14,561 23,18,11,426 Amount (Tk)

Ultra-Poor Program (UPP) Ultra-Poor program is implementing within 134 branches covering 92 Upzilas 1,172 villages under 22 districts. The major objectives of the Program are to facilitate access of the beneficiaries to financial services, and to extend training and other capacity building support so that they develop and implement income generating activities in a sustainable manner.

Micro Initiative for Mutual Enabling (MIME) Micro insurance for Mutual Enabling (MIME) project aims to provide social safety net and security service to the vulnerable poor people through mutually beneficial insurance products. The Program has been implementing by UDDIPAN since July, 2008 in 3 Districts named Comilla, Chandpur and Chittagong within 23 selected Branches with the assistance of INAFI-Bangladesh. The target clients of this project a) 30% of the policy owners will be ultra poor; b) 70% of the policy owners will be poor. This is a 4-year pilot project, which is funded by Oxfam, Novib and Rabobank Foundation.

Shammoy Project• Shammoy is such a project that

encompasses a particular segment of populace in UDDIPAN’s working area who is having the programmatic opportunities of buying goods as they require from UDDIPAN and repay the price through different installments. This is a project that has started to be implementing in line with Islamic Shariah.


• During the reporting period a total of Seventeen (17) villages have been covered under 04 unions and that includes 161 borrowers, in 09 village organizations. Till June, 2014 the saving deposits stands at 7,60,003 BDT and outstanding stands at 52,84,210 BDT.

• This project has been implementing in Chakoria Upazila of Cox’s Bazar district since January 16, 2012. The Shammoy has been implementing in collaboration with PKSF. This project is expected to extend a large in the time coming ahead.

UDDIPAN Sheep Breeding FarmUDDIPAN established a Sheep Breeding Farm with the assistance of PKSF at Kathalbari Branch under Kurigram district. The Main objectives of the farm are a) Production of healthy and disease free sheep. b) Distribution of healthy, disease free sheep to the target beneficiaries lower coast than market price. c) To develop and establish mini sheep farm at household level. d) Make available and cheap price of sheep meet as a source of animal protein. 171 no of sheep have distributive among of target beneficiaries to achieve the objectives. Now 102 no. of sheep in the breeding farm.

UDDIPAN NurseryUDDIPAN established a Nursery with the assistance of PKSF at Chilmari Branch under Kurigram district. The main objectives of the nursery program is to supply the healthy sapling/ seedling of low cost among our group members. There are fruits, wood, medicinal, flower, herbal plant are produced regularly. Those plants are distributing among of beneficiaries regularly.

Credit Life Insurance ProjectThis is a project where the clients of rural micro credit, urban micro credit, seasonal loan and Agricultural Income Promotion Project (AIPP) have access to avail the facilities. During disbursement of loan, taka 10 is deducted as loan insurance fee against each disbursement of taka 1000 from each client. For ultra-poor credit client, taka 05 is deducted as loan insurance fee against each disbursement of taka 1000. The highest ceiling that cover credit insurance stands at taka 40,000/- for rural and urban micro credit, taka 50,000/- for seasonal loan and Agricultural Income Promotion Project (AIPP) loan and taka 30,000/- for ultra-poor micro credit. Facilities offered by the Insurance Project. During the loan tenure,


either client (under rural micro credit, urban micro credit, UPP, seasonal loan and Agricultural Income Promotion Project – AIPP) or her husband dies, she/he will be given exemption from the remaining portion of loan.

If the client under UPP dies during the payback tenure, she/he will be given exemption from the remaining portion of loan. All types of deposits are refunded to the nominees. If the insured clients dies during the payback tenure, she/he is to be given taka 1000/- at once for his/her funeral. If the insured client does not

have husband, the funeral benefit will be offered to him/her legal guardian who is registered in office document. As on June 2014, total collected Premium of Insurance stands at taka 115,083,326, total taka that paid back for Insurance Claim Settlements is 28,442,704 and total Insurance Outstanding stands at taka 86,640,622.

Livestock Insurance ProgramUDDIPAN has been implementing livestock program since September, 2013 under Developing Inclusive Insurance Sector Project (DIISP) with an aim to reduce the financial loss and ensure security of livelihood through small

amount of premium and paravate fee. This insurance service is also providing the paramedic service to reducing the risk such as death, illness, financial risk due to livestock death of the poor people. The client who receives the beef fattening loan is mandatory to purchase the policy. Hundred percent loan portfolios waived, for livestock and policy holder death. Insurance premium will be 1.0% of total amount of receiving loan and 20 Taka paravate fee per Policy among this premium, 0.7% for livestock and 0.3% for death of policy holder. The period of the policy is six months from the date of policy purchase.

As on June 2014, UDDIPAN has disbursed a total loan amount of Taka 1478, 45,000 and the number of policy sold is 6556. During this period, the number of claim settled is one and the amount handed over stands at Taka 10,000 for the livestock death. The number of claim settlement is insignificant as UDDIPAN always supervises and monitors the clients and make them aware about their health of livestock. In the mean time, UDDIPAN also has developed a linkage between clients and Upazila Livestock Department of government to avail better services from them.


Health Insurance ProjectUDDIPAN Health Insurance Project has been implementing in two branches namely Parerhat and Chilmari since September, 2013 as a pilot project under Developing Inclusive Insurance Sector Project (DIISP). UDDIPAN Micro credit has already been proved as strong tool for eradicating poverty. So UDDIPAN has started an initiative to provide primary health services and increase easy access to quality health services.

Objectives1. To aware the people about different types

of diseases;

2. To provide primary health services during illness of the policyholder.

3. To increase easy access and quality health services to policyholders and their family members this includes their physical and economic development.

4. To enhance capacity of the staffs.

Service chargeUnder this service the policy holder is paid a certain amount of premium for availing these services. Actually service charge takes from the policy holders for paying the salaries of paramedics and cost of other primary medical equipments. Premium is five hundred (500/=) taka per policy holder including four family members maximum. Policy holder has to add extra 100 taka per person for additional family members. Following services have been provided to the policy holders during the reporting period.

Paramedic Services Hospital Services

Service fee collection/client 10 TK 10,680 Number of Policy holder 1366

Providing awareness service on health (Number) 3751 Premium Collection in TK 5,72,860

Treatment service (Number) 5242 Number of Claim settlement 23

Number to Patient referred to hospital 347 Amount of Claim settlement 45,200

Number of satellite Clinic held 48 Premium outstanding 5,27,660


Social Development Programs Education for Youth Empowerment (EYE)

Rural Urban Child Migration Project (RUCMP)-Link

TVET Project Empowering Vulnerable Youngsters of the Port City of Chittagong in Bangladesh

Strengthening Government Social Protection for the Poor (SGSP) of Banshkhali Upazilla under Chittagong District using Social Protection Tools

Climate Change and Adaptation (CCA)

Strengthening Civil Society to Advocate for Child Rights at All Levels

Children Banking Education & Practicing Children Savings Initiatives For Working Street Children

Gender Action Learning System (GALS) Project

Primary Health Care Program

SUCHALA

Education for Youth Empowerment (EYE)Introduction and SummaryIn Bangladesh 7.5 million children out of the total number are economically active. Among them 93% of the total working children are engaged in the informal sector and out of this figure 56% are working in agriculture.

Huge number of children & youths in our country are involved in agriculture sector, and they are suffering from various kinds of rights violations. As a result children and youths psychical and mental development are hampered. To address these issues specially for labor children in agriculture, the project namely Èducation to Protect Child & Youth Laborers in Agriculture – EPCYLA’ has been designed and implemented 1st phase from January 2011 to December 2013 with 3 years duration having been technically & financiallly supported by Save the Children International (SCI). Now 2nd phase is going on with 2 years duration from Janury 2014 to December 2015. It is titled as Èducation for Youth Empowerment (EYE)’ and this phase has been designed with a focus to Technical and Vocational Education & Training (TVET), Soft Skills and Protection Education.

To achieve the project objectives, set of activities have been implemented as per project plan during the project period. The project has addressed capacity building and mobilization of children and youths through functioning child and youth club, protection education, community engagement for sustainable change and TVET & decent job placement by applying holistic approach. The project is running in two working areas namely Daudkandi under Comilla district and Banskhali under Chittagong district. Total 1294 number of children & youths and 3697 adults members have been covered during the reporting period

The objectives of this phase are;a) By 2015, Employment based livelihood

education opportunity for youths and children enhanced.

b) By 2015, Scope to protect children and youths labourers in agriculture increased in the work places and in the society as well by facilitating increased knowledge, and capacity of children, youths and stakeholders.

Direct Targeted Beneficiariesa) Children and youths engaged in hazardous

labour and at risk to be labour.

b) Middle class children in formal schools.

c) Parents, Employers and community positive leaders.

Project AchievementsTo achieve the objectives, project has provisions for the following focused activity :

• Provision for hard employability skills & soft skills.

• Protection Education.

• Advocacy & Networking.

The major outcome of the project are :

Provision for hard employability skill & soft skills.

53Social Development Programs

TVET & Job Placement Technical & Vocational Education and Training is one of the important initiatives to promote better livelihood of children and youths laborers who are working in hazardous and unsafe situation. During the period 02 vocational training centers are functioning with necessary equipments in the project location namely Daudkandi & Banshkhali areas. In this period total 198 children & youth received technical & vocational training in different trades including mobile servicing, computer operation & servicing, tailoring, garments sewing and skill training on poultry, nursery, and cow rearing through 2 TVET centers. 180 children and youths are enrolled in 4 trades which are mobile servicing, tailoring, computer operation and garments sewing and will be completed by November, 2014. After completion of these courses 98% graduate children and youths will be involved in self and wages employments. Except this 40 youths have received 3 days skill training on agriculture and fisheries.

UDDIPAN Micro Finance Program (MFP) has provided special loan as startup cost for technically trained children who want to start their own IGA or employment. As a part of soft skill, the graduate students have acquired knowledge on develop their own CV, techniques of facing interview, how to deal with customer and employers. During the period 50 number of career counseling session have been organized where 378 TVET students participated. Qualified instructor was recruited and training venue was updated following OHS standard.

Now their family income has increased than before. They are serving their job with full confidence and life style has been changed.

Mainstreaming EducationUDDIPAN already have developed follow-up mechanisms for mainstreamed students who have graduated from NFE course and already admitted in the formal schools in the project areas during previous phase. Formal and informal monitoring and follow up going on in project areas. Sometimes we have organized Quiz competition sessions in the formal school on the issue of CR violations, bad effect of climate change or hazardous child labour in their respective areas. These types of sessions have made teachers to respond positively.

Protection EducationChild & Youth ClubsChildren & youths club is a community based forum which is led by the children for the children at the community. It’s one of the most effective forums where children become educated on their rights and getting necessary information and can practices participation techniques.The main objective of child and youth clubs is to promote children’s participation and empowerment. To achieve the objectives various activities have been done. Through the various activities, club members were shared the upgraded information, activity progress as per action plan. 65% children from each club have been capacitated to identify their problems, shared with others, rise their voices against child rights (CR) violation, can share their opinion in various forum.35 community based child & youth clubs are functioning in two project areas. Total 2490 number of children and youths including child labouer are enrolled. 10 batches life skill training session with 218 children and youths have conducted. A group of developed community CR educator and advocates are regularly monitoring community level CR violations, find out the probable solutions to protect children & youth from violation. As a result, some shorts of child friendly environment have created in the family, schools, community and work places in the targeted areas .

These clubs are dealing with children & youths’ rights issue within the community and out of community. Children acquired capacity to participate in their rights related decision making process.

During the period, Youth Club advocacy group has taken 20 number of initiatives with employers, Union Parishad chairman and Upazila Nirbahi Officer regarding practices CoC in the work place, provide birth registration certificate to labour children & youths without taking any fees. As a result hazardous, mental and physical torture have decreased in the workplace, school and family, expected facilities increased and positive attitude of employers have created in the work place. Now targeted working children are enjoying their works. Working children are opening their bank account without facing any hassle. As per child & youth club plan, regular education session and life skill development session are going on following club guideline. During the reporting period, 310 CR education session and 20 number of club management committee meeting have been organized.

2 nos. of club have developed as IT based where children are getting IT based facilities in the community like admission information in different educational institutes, passport & visa information, specialized Doctors information, various product rate, skype dialouge with their relatives in abroad and other need based informations.

The child & youths clubs are functioning with systematic process following club operational guidebook. Regular capacity building education sessions, local level advocacy with Union Parishad (UP), respective govt. officials & employers have been held. The major focus of the clubs are-

• Mass awareness building

• Capacity building ( Soft and hard skills)

• Mobilization and

• Local level advocacy

School Based Peer Education : School based peer education session is one of the important and effective tools for building awareness for formal schools children. The students of class VII & VIII receive education & information on the issue of child protection. During the reporting period, 35 formal schools in 7 working area has covered and 280 rights based education sessions have been held with 5250 children. In the school there are peer educator group in each classes. The members of peer educator groups are educating their class mate/friends on the issue of early marriage, health hygiene, child rights, disaster and climate change, trafficking, reproductive health and hazardous child labour. The project staff members are following up their session.

Code of Conduct (CoC)A total of 35 number of market committee are functioning in 7 working areas. The members of market committee are playing their role for creating safe environment in work place, ensuring minimum facilities of child laborers. The CoC for employers are being monitored by the market committee.They are trying to sensitize the employers for practicing the CoC with focus to ensure minimum facilities for CL who are working in various markets through individual contract. Now most of the employers are practicing 80% conditions which mentioned in CoC but they have positive attitude to follow whole CoC.

54 Social Development Programs

TVET & Job Placement Technical & Vocational Education and Training is one of the important initiatives to promote better livelihood of children and youths laborers who are working in hazardous and unsafe situation. During the period 02 vocational training centers are functioning with necessary equipments in the project location namely Daudkandi & Banshkhali areas. In this period total 198 children & youth received technical & vocational training in different trades including mobile servicing, computer operation & servicing, tailoring, garments sewing and skill training on poultry, nursery, and cow rearing through 2 TVET centers. 180 children and youths are enrolled in 4 trades which are mobile servicing, tailoring, computer operation and garments sewing and will be completed by November, 2014. After completion of these courses 98% graduate children and youths will be involved in self and wages employments. Except this 40 youths have received 3 days skill training on agriculture and fisheries.

UDDIPAN Micro Finance Program (MFP) has provided special loan as startup cost for technically trained children who want to start their own IGA or employment. As a part of soft skill, the graduate students have acquired knowledge on develop their own CV, techniques of facing interview, how to deal with customer and employers. During the period 50 number of career counseling session have been organized where 378 TVET students participated. Qualified instructor was recruited and training venue was updated following OHS standard.

Now their family income has increased than before. They are serving their job with full confidence and life style has been changed.

Mainstreaming EducationUDDIPAN already have developed follow-up mechanisms for mainstreamed students who have graduated from NFE course and already admitted in the formal schools in the project areas during previous phase. Formal and informal monitoring and follow up going on in project areas. Sometimes we have organized Quiz competition sessions in the formal school on the issue of CR violations, bad effect of climate change or hazardous child labour in their respective areas. These types of sessions have made teachers to respond positively.

Protection EducationChild & Youth ClubsChildren & youths club is a community based forum which is led by the children for the children at the community. It’s one of the most effective forums where children become educated on their rights and getting necessary information and can practices participation techniques.The main objective of child and youth clubs is to promote children’s participation and empowerment. To achieve the objectives various activities have been done. Through the various activities, club members were shared the upgraded information, activity progress as per action plan. 65% children from each club have been capacitated to identify their problems, shared with others, rise their voices against child rights (CR) violation, can share their opinion in various forum.35 community based child & youth clubs are functioning in two project areas. Total 2490 number of children and youths including child labouer are enrolled. 10 batches life skill training session with 218 children and youths have conducted. A group of developed community CR educator and advocates are regularly monitoring community level CR violations, find out the probable solutions to protect children & youth from violation. As a result, some shorts of child friendly environment have created in the family, schools, community and work places in the targeted areas .

These clubs are dealing with children & youths’ rights issue within the community and out of community. Children acquired capacity to participate in their rights related decision making process.

During the period, Youth Club advocacy group has taken 20 number of initiatives with employers, Union Parishad chairman and Upazila Nirbahi Officer regarding practices CoC in the work place, provide birth registration certificate to labour children & youths without taking any fees. As a result hazardous, mental and physical torture have decreased in the workplace, school and family, expected facilities increased and positive attitude of employers have created in the work place. Now targeted working children are enjoying their works. Working children are opening their bank account without facing any hassle. As per child & youth club plan, regular education session and life skill development session are going on following club guideline. During the reporting period, 310 CR education session and 20 number of club management committee meeting have been organized.

2 nos. of club have developed as IT based where children are getting IT based facilities in the community like admission information in different educational institutes, passport & visa information, specialized Doctors information, various product rate, skype dialouge with their relatives in abroad and other need based informations.

The child & youths clubs are functioning with systematic process following club operational guidebook. Regular capacity building education sessions, local level advocacy with Union Parishad (UP), respective govt. officials & employers have been held. The major focus of the clubs are-

• Mass awareness building

• Capacity building ( Soft and hard skills)

• Mobilization and

• Local level advocacy

School Based Peer Education : School based peer education session is one of the important and effective tools for building awareness for formal schools children. The students of class VII & VIII receive education & information on the issue of child protection. During the reporting period, 35 formal schools in 7 working area has covered and 280 rights based education sessions have been held with 5250 children. In the school there are peer educator group in each classes. The members of peer educator groups are educating their class mate/friends on the issue of early marriage, health hygiene, child rights, disaster and climate change, trafficking, reproductive health and hazardous child labour. The project staff members are following up their session.

Code of Conduct (CoC)A total of 35 number of market committee are functioning in 7 working areas. The members of market committee are playing their role for creating safe environment in work place, ensuring minimum facilities of child laborers. The CoC for employers are being monitored by the market committee.They are trying to sensitize the employers for practicing the CoC with focus to ensure minimum facilities for CL who are working in various markets through individual contract. Now most of the employers are practicing 80% conditions which mentioned in CoC but they have positive attitude to follow whole CoC.


Parenting Education Parenting education is one of the important awareness building initiatives for parents which contributed to enhance the capacity of the parents on understanding childhood, mental, psychologycal, cognitive development of children, importance of education, hazardous child labors and support to adolescents’ special needs. Parents of Child labour and club children’s are considered as target group of parenting education. Parenting session has been conducted as per developed manual.

The parenting session covered 7 topics relating to children & youth rights, child caring, reproductive health, child labour, child protection etc. The participating parents are aware and sensitized about child caring and child rights and they also practicing their learning in their life. During the reporting period, a total 3180 parents participated the session.

TfD Show for Mass Awareness BuildingTfD (Theatre for Development) is one of the useful tools of mass awareness rising for rural people. There are 7 number of TfD groups in working areas. TfD show demonstrated in the community by the childrens’ group for community sensitization and realization. The major issues of TfD are child hazardous work, eve teasing, disaster, child marriage and other form violations. In this period 14 nos. of TfD show have been held where 3318 nos. of community people participated.

Media and Community Child Rights (CR) Situation Monitoring by the ChildrenEach child & youths club have monitoring & reporting groups . Continuously each child & youth club are doing CR media monitoring and community CR monitoring. Every office based club keeps 1/2 local prominent news paper for media monitoring. Based on quarterly monitoring findings the children are prepared their action plan. According to the action plan they carried out advocacy initiatives at local and central level to improve all sorts of CR & CL violation and promotion their rights. They have also linkage with local journalist groups.

Union Parishad (UP)The Union Parishad is the elected administrative entity of the government and a key community duty bearer for promoting, protecting and ensuring the rights of children in rural areas. 30 UPs are considered as primary duty bearers who can help to change the lives of the working children by pushing the central government on policy and law related matters. The members and chairmen of Union Parishad (UP) also have an important role to motivate and influence the community. It’s some standing committees especially the women and children related standing committee will have a positive and active role in promoting all aspects of child protection including child labours. Through advocacy with Union Parishad, they are being considered children during distribution of social safety net scheme. 90% of UP chairman member are concerned about child rights and protection in the respective areas. Every Union Parishad are being considered CoC during giving new license and renew the license of employers.

Observation of Child Rights DayThe component aims to raise awareness of the communities in respect of child rights. UDDIPAN observed the week jointly in cooperation of UP/UZP and community stakeholders in different working areas. The objective of the week is to increase public awareness on promotion child rights. The day was observed in 7 areas following rally attened by cross section of people and discussion

session, art and quiz competition. The discussion session was chaired by District Commissioner (DC)/ Upazila Nirbahi Officer (UNO). Total 1250 children, community people and duty bearers participated the program.

Community Engagement Through Different Community Based ForumShaPaK : The ShaPaK is working as child rights protection committee. The ShaPaK members (CWG) are regularly monitoring the child rights situation emphasizing the child labour issues in the work place and community. The members sit on quarterly basis. In the meeting all members shared the monitoring findings, take decision and make action plan based on findings and discuss others emerging issues relating to children. They act as pressure groups to make the local govt. and other relevant agencies responsive towards the protection issue of children. During the reporting period, 95 number of initiatives on education fees for labor children, against child marriage, withdraw from hazardous child labour, and ensure social safety net services for vulnerable children have been taken by the ShaPaK members to reduce CR violation and promotion of child rights in the community and work place. In each working area 5 committees have been functioning. Total 5 batches capacity building training with 125 participants and 85 number of ShaPak meeting have been held where 525 members participated during the reporting period.

Market Committee Meeting35 number of market committee are functioning in 7 working areas. The CoC for employers are being monitored by the market committee. The members of market committee are playing their role for creating safe work place, ensuring minimum facilities of child labourers and practices CoC in their respective markets. Through market committee the employers are giving emphasize to clean the work places, providing leisure, health safety materials (as needed) increased salary and reduced some short of physical and mental torture. During the reporting period 80 nos. of meeting with market committee have been done with discussion of

overall market child labour situation in the market, job possibilities, decent job, training opportunities, possible trades, type of employment etc. Through initiatives of market committee members, now most of the employers are practicing 80% conditions which mentioned in CoC but they also have positive attitude to follow whole CoC.

Teachers’ ForumTeachers‘ forum consist of 20 members each with males and females. 45 Teachers Forums are considered as an intellectual group in the community. These groups will act as a catalyst in the community to increase CSR, support for child labour schooling, and free of cost education, education material support and promoting positive discipline in the school and work place settings. These forums are also working to stop corporal punishment and others violation in the schools.

Journalists’ ForumThere are 7 local Journalist groups consist of 10-15 members in 7 working area. This group also work as media and communication group in the rural areas to publish CR related news in the local news paper and electronic media. They regularly publish all sorts of CR & CL related local information through local and national news papers. There are good linkage between child club media group and Journalist forum.


Parenting Education Parenting education is one of the important awareness building initiatives for parents which contributed to enhance the capacity of the parents on understanding childhood, mental, psychologycal, cognitive development of children, importance of education, hazardous child labors and support to adolescents’ special needs. Parents of Child labour and club children’s are considered as target group of parenting education. Parenting session has been conducted as per developed manual.

The parenting session covered 7 topics relating to children & youth rights, child caring, reproductive health, child labour, child protection etc. The participating parents are aware and sensitized about child caring and child rights and they also practicing their learning in their life. During the reporting period, a total 3180 parents participated the session.

TfD Show for Mass Awareness BuildingTfD (Theatre for Development) is one of the useful tools of mass awareness rising for rural people. There are 7 number of TfD groups in working areas. TfD show demonstrated in the community by the childrens’ group for community sensitization and realization. The major issues of TfD are child hazardous work, eve teasing, disaster, child marriage and other form violations. In this period 14 nos. of TfD show have been held where 3318 nos. of community people participated.

Media and Community Child Rights (CR) Situation Monitoring by the ChildrenEach child & youths club have monitoring & reporting groups . Continuously each child & youth club are doing CR media monitoring and community CR monitoring. Every office based club keeps 1/2 local prominent news paper for media monitoring. Based on quarterly monitoring findings the children are prepared their action plan. According to the action plan they carried out advocacy initiatives at local and central level to improve all sorts of CR & CL violation and promotion their rights. They have also linkage with local journalist groups.

Union Parishad (UP)The Union Parishad is the elected administrative entity of the government and a key community duty bearer for promoting, protecting and ensuring the rights of children in rural areas. 30 UPs are considered as primary duty bearers who can help to change the lives of the working children by pushing the central government on policy and law related matters. The members and chairmen of Union Parishad (UP) also have an important role to motivate and influence the community. It’s some standing committees especially the women and children related standing committee will have a positive and active role in promoting all aspects of child protection including child labours. Through advocacy with Union Parishad, they are being considered children during distribution of social safety net scheme. 90% of UP chairman member are concerned about child rights and protection in the respective areas. Every Union Parishad are being considered CoC during giving new license and renew the license of employers.

Observation of Child Rights DayThe component aims to raise awareness of the communities in respect of child rights. UDDIPAN observed the week jointly in cooperation of UP/UZP and community stakeholders in different working areas. The objective of the week is to increase public awareness on promotion child rights. The day was observed in 7 areas following rally attened by cross section of people and discussion

session, art and quiz competition. The discussion session was chaired by District Commissioner (DC)/ Upazila Nirbahi Officer (UNO). Total 1250 children, community people and duty bearers participated the program.

Community Engagement Through Different Community Based ForumShaPaK : The ShaPaK is working as child rights protection committee. The ShaPaK members (CWG) are regularly monitoring the child rights situation emphasizing the child labour issues in the work place and community. The members sit on quarterly basis. In the meeting all members shared the monitoring findings, take decision and make action plan based on findings and discuss others emerging issues relating to children. They act as pressure groups to make the local govt. and other relevant agencies responsive towards the protection issue of children. During the reporting period, 95 number of initiatives on education fees for labor children, against child marriage, withdraw from hazardous child labour, and ensure social safety net services for vulnerable children have been taken by the ShaPaK members to reduce CR violation and promotion of child rights in the community and work place. In each working area 5 committees have been functioning. Total 5 batches capacity building training with 125 participants and 85 number of ShaPak meeting have been held where 525 members participated during the reporting period.

Market Committee Meeting35 number of market committee are functioning in 7 working areas. The CoC for employers are being monitored by the market committee. The members of market committee are playing their role for creating safe work place, ensuring minimum facilities of child labourers and practices CoC in their respective markets. Through market committee the employers are giving emphasize to clean the work places, providing leisure, health safety materials (as needed) increased salary and reduced some short of physical and mental torture. During the reporting period 80 nos. of meeting with market committee have been done with discussion of

overall market child labour situation in the market, job possibilities, decent job, training opportunities, possible trades, type of employment etc. Through initiatives of market committee members, now most of the employers are practicing 80% conditions which mentioned in CoC but they also have positive attitude to follow whole CoC.

Teachers’ ForumTeachers‘ forum consist of 20 members each with males and females. 45 Teachers Forums are considered as an intellectual group in the community. These groups will act as a catalyst in the community to increase CSR, support for child labour schooling, and free of cost education, education material support and promoting positive discipline in the school and work place settings. These forums are also working to stop corporal punishment and others violation in the schools.

Journalists’ ForumThere are 7 local Journalist groups consist of 10-15 members in 7 working area. This group also work as media and communication group in the rural areas to publish CR related news in the local news paper and electronic media. They regularly publish all sorts of CR & CL related local information through local and national news papers. There are good linkage between child club media group and Journalist forum.


Advocacy & NetworkingThe main objective of this component is to influence policy decisions with respect to child rights at the national level. On the other hand, the advocacy as to create linkage among the networks, community people and stakeholders to provide necessary supports to the child victims in working areas.

Local Level AdvocacyIn order to mitigate the hazards of the children in workplace, follow Code of Conduct ( CoC), Occupational Health Safety (OHS) and other compliance and replace them in decent jobs, UDDIPAN has been doing advocacy work and maintaining network with related stakeholders from both government and non government officials/ departments. Quarterly meeting, dialogue session, individuals contract have been organized on how the children and youths will get minimum facilities from employers and be placed safe employment there. UDDIPAN also developed networking

linkage, cooperation with partner organizations, UZ administration and other likeminded organizations, service provider at local level to provide more services to child labourer.

National Level AdvocacyUDDIPAN is playing a leadership role to promote Child Rights (CR) & Child Labour (CL) issues at national level by advocacy initiatives by collaborating & participating in different national and international organizations, networks including CRGA,TWC, BSAF, Konna Shisho Advocacy Forum. During the reporting period the advocacy was done with a focus to emphasis the issues of Separate Children Affairs Directorate and National Child Rights Commission (NCRC) under MOWCA, Allocation budget children, finalizing National Corporate Social Responsibilities (CSR) policy. The main objective of this component is to influence policy decisions with respect to child rights at the national level.


Panchagar

Nilphamari

Rangpur

Lalmonirhat

Kurigram

Gaibandha

Joypurhat

Noagaon

Nawabganj Natore

RajshahiSirajganj

Bogra

Sherpur

Jamalpur

Mymensingh

Netrakona

Sunamganj

Sylhet

MoulvibazarHobiganjKishoreganj

GazipurTangail

Manikganj

Narayanganj

Munshiganj

ShariatpurChandpur

Kachua

Lakshmipur

Bhola

Noakhali

Feni

Chittagong

Bandarban

Cox's Bazar

Comilla

Daudkandi

NarsingdiBrahmanbaria

Rangamati

Khagrachari

Pabna

Kushtia

MeherpurChuadanga

JheinaidahMagura

Jessore Narail

KhulnaSatkhira

Bagerhat

Pirojpur

Patuakhali

Jhalokati

Barisal

Madaripur

Gopalganj

Faridpur

RajbariDHAKA

Mirpur

Barguna

Thakurgaon

Dinajpur

St. Martin's Island

Rural Urban ChildMigration Project-LINK

Working Area

Rural Urban Child Migration Project-LINK


Summary;Rural Urban Child Migration Project –Link successfully accomplished its 3 year development journey on 31st December 2014 with its 3 months non cost extension period. The journey of registering at risk children to unsafe migration and migrated children and subsequently providing identity cards to them was a very challenging in terms of other development project in Bangladesh. But finally UDDIPAN could complete most of the assigned works with a view to reaching expected degree of objectives of the project.

After starting journey to real realm of development, Rural Urban Child Migration Project –Link began its development journey from September 2011. But practically it has started activities with its optimum potentiality from January 2012.

During the timeframe UDDIPAN accomplished a total of 6373 activities against set target 6478 for the project period which is 98.37 % of target activities. Among the activities a total of 156372 different stakeholders participated actively. Among the figure a total of 51280 male 53491 Female and 51601 children participated of whom 24433 male children and 27168 female children.

Our great and most important achievement was imitating registration system at our peripheral working areas. With an aim to this project has distributed 25 computers and accessories to the respective LGIs and police stations and subsequently started registration system. Up to the reporting period a total of 31386 children at risk and migrant has been registered, among them 14903 are male child and 16483 are female child.

During the timeframe Identity Cards distributed among the registered children were 30,574 of which male children are 14688 and 15886 are female children.

During the reporting period project seems achieved a tremendous work achievement against set target. Only very few activities areas reasonably related with the registration system were behind our target. Meanwhile we are achieving those activities accordingly. The achievement scenario of the project projected here in under;

A total of 20 sharing meetings on base line survey findings held against its same target which was achieved its 100% target.

A total of 240 Consultations with stakeholders at community level held and achieved 100% its same target.

A total of 360 Community based awareness sessions organized against its same target. Achievement was 100%.

A total of 120 Community based awareness campaigns organized against its set target 120. Achievement was 100%.

A total of 80 CIC established and running at project locations and which is covered its 100% target.

A total of 80 community meetings regarding function of CICs held among targeted 80. Achievement was 100%. In NCE period completed 60 CIC handover gathering out of 60.

A total of 52 meetings with law enforcement officials and media houses held against set target 54 meetings organized against set target and achievement was 96 %.

27 Press Conference on unsafe migration organized against its target 34. It achieved only 80%.

Cause of staying behind the activity was mainly that the activity held very frequent with same people and same subject. So, finally we didn’t like to organize this event more.

A total of 20 ToT on child protection issues organized against its 20 target. Achievement is 100%.

A total of 60 ToT on child protection issues organized against its 60 target. Achievement is 100%.

A total of 24 formations and orientations of steering committee at Union, Ward and at Upazila level held against target 24. Achievement is 100%.

A total of 187 quarterly coordination meeting

and review meetings of SCs held against its target 240. Achievement is 80 %.

A total of 11 half annual coordination and review meeting of SCs held against its target 24. Achievement is 46 %.

A total of 20 meeting on development of registration software held among the target 20. Achievement is 100%.


A total of 196 LGIs representatives received training on use of registration system among the target 252 which was 78%. In accordance with the NCE plan we trained 72 UISC entrepreneurs among the target 80 which was 90% of target.

A total of 238 training for LGI members on their role regarding child protection held among target 252 which is 95%.

A total of 8 training orientation for selected police stations on to link registration system held among target 25 which is 32 %.

A total of 180 CWG formed and oriented against set target 180. Achievement is 100%.

A total of 4500 courtyard session organized against set target 4500. Achievement is 100%.

A total of 720 half annual review meetings of CWGs and LGIs held against set target 720. Achievement is 100%.

A total of 18 training on service delivery for LGI members held against target 18. Achievement is 100%.

A total of 20 orientation workshops for LGI members on conduction of baseline survey held against set target 20. Achieved 100% of its target.

A total of 36 orientation workshop for employers held against set target 36. Achieved 100% of its target.

Conducted baseline survey through LGI members in the project area including controlled areas at 26 UP and Ward areas. Achievement is 100%.

Conducted Training Need Assessment on the service capacities of LGI members held at 20 UP and Ward areas. Achievement is 100%.

Development of Communication & Visibility PlanOrientation sessions for LGI members on Conduction of Baseline Survey

Key feature of the activity : A total of 20 orientation sessions on conduction of baseline survey at RUCMP-Link areas for LGI members held at the moment before starting survey in the respective UP or WARDs. Among these 4 were with the city corporation ward commissioners, female representatives and secretaries of the ward councilors office and rest 16 were with the UP representatives and secretaries of respective UP completed successfully. Among the total 222 participants 22 were female LGI representatives.

Conduction of Baseline Survey Through LGI Members in the Project AreaKey feature of the activity : Conducted baseline survey through LGI members in the project area including controlled areas at 26 UP and Ward areas. Achievement is 100%. UDDIPAN completed baseline survey among 16 UPs at Daudkandi and Kachua upazila and 4 Wards at Dhaka Municipal Corporation and Comilla city corporation at the beginning of the project. In addition to this collected data from 6 controlled areas among the working areas. This was a sample based baseline survey and involvement of LGI members and community people gave this survey a different characteristic, so far. The methods used were Interview with questionnaires, FGD, KII etc with cross sectional stakeholders.

Basing on the data accumulated from different places of UDDIPAN working areas a final baseline report prepared by the respective consultants and before finale they discussed with us on the reports data. After getting feed backs and add backs a final report disseminated among the donors and all stakeholders accordingly. This baseline report was also shared in project launching meeting at Dhaka.

Sharing Meetings on Baseline Survey Findings Key feature of the activity : After completion of baseline survey a series of sharing meetings with LGI members and concerned other stakeholders completed at working areas. Meetings uphold the scenario of children at risk of migration and migrant at their respective areas and their socio economic status etc.

A total of 20 meetings against intended 20 held where a total of 419 community people participated. Of whom Male participants were 779 and Female were 193 and children 135. Participants were 106 LGI members, 25 SCWCW members and 288 others. (Reference: M&E Record sheet #1)

Participants were LGI members, member of Community Watch Groups, Steering committee, Non State Actors, Religious leaders and children of the working areas.

Development of Awareness Raising (BCC) MaterialsKey feature of the activity : Awareness raising materials developed and its mass using started at working areas. Poster, brochure, stickers elaborating different messages on protecting unsafe migration, consequences of unsafe migration and role and responsibilities of LGIs, NSAs, community people and civil society members with regards to reduce this child rights violating event from society. Since the reporting period at least 2800 posters, 55000 stickers and 2800 brochures distributed to community people, school students, government officials and civil society members and law enforcement agency members and media personnel.

Consultations with Stakeholders at Community LevelKey feature of the activity : This Meeting intended to find out the perception of community people on child unsafe migration, child right violations and to know the role of LGIs in this regards. At the same time like to know capabilities of key stakeholders and accordingly design mass awareness programs through the consultation process. This activity happened with representatives of all key stakeholders in the working areas. This activity gave an opportunity to explore experiences of community level people on the issue profoundly.

During the project period, a total of 240 consultation sessions with the stakeholders at community level out of 240 were accomplished by UDDIPAN of which a total of 9409 participants were participated actively and subsequently played very important role in the community with respect to aware people on unsafe migration and its bad impacts on society. Among the participants 4833 were male and 2407 were female community people and 2169 were children.

Community Based Awareness SessionsKey feature of the activity : UDDIPAN provided different information and messages to the community people about project objectives and role of people to achieve such a challenging project especially in line with unsafe child migration, its impact and role of Local Government Institutions and relevant other issues.

A total of 360 meetings against set target 360 held where a total of 19203 community people participated. Of whom 9955 were male, 5906 Female and children were 3340.

At least 60- 70 % covered community people of the project areas could say the impact of unsafe child migration and utility of registration system for the children at risk and already migrated. In some extent, they have stopped to sending their child in urban area considering its huge risk in health and psychology of a child.

Target Achievement

6478 6373

Community Based Awareness CampaignsKey feature of the activity : The aims of the campaigns were to make aware mass people about unsafe migration, its consequences and role of LGIs, NSAs, Community people, registration system, its necessity and mechanism etc. This activity, with its diversified forms like, rally, school debate, games etc could bring a good impacts in the community in terms of raising awareness and sensitization on unsafe migration, promoting registration system , being services providing by LGIs and NSAs of the areas after inception.A total of 120 campaigns in form of rally against set target 120 held where a total of 23113 community people participated. Of whom 7345 were male, 4353 Female and 11415 were children. Consequently people of the project area more or less became aware about the bad consequences of unsafe child migration and at the same time increased awareness to take measuring attempt in some cases.

Establishment/Running of Community Information CentresKey feature of the activity : Community Information Centre (CIC) is a community based and community led information collecting and dissemination centre, where relevant people had opportunity to get required information on services provided by LGIs and NSAs and clear information on different safety net program provided by government through LGIs, registration system, how to be registered and related other information which are important

for unsafe migration issues. These centres were also attempting to provide information to community people on health, legal, human and child rights etc issues.A total of 80 CICs established at different project locations out of target 80 centres. All centres operated during the project life time. Among the 80 centres 60 closed after phasing out and 20 centres at UP and Ward council offices has been going on by the local government initiative.A local female who has a minimum qualification, class VIII to Secondary School Certificate (SSC) level got chance as a volunteer of the centre and project is paying an honorarium for her service. With respect to this a village level house for a centre has been rented with some amount.

Community Meetings on Function of Community Information CentresKey feature of the activity : A total of 80 meetings against set target 80 held where a total of 1602community people participated. Of which 1031 were male, 466 Female and 105 were children.

Meeting emphasized to discuss about objectives of CIC establishment, Role and responsibilities of CWG members and volunteers to keep these centres well operational in line with the project aims.

Registration system and its effectiveness and role of CIC have increased meanwhile through participation of cross connected people of the areas. People are going to the centres and day by day this centre shaped as like as community dialogue centre also.

Development of Minimum Standard GuidelineKey feature of the activity : Each and every community institutions need to have a common procedure. This is often recognizing as guide line. Based on the guide line these institutions are running to achieve some predetermined objectives and results. Link project has also been determined to prepare such like an indicative book. A guideline is prepared, disseminated among the concerned and practiced giving highest priority. As a result CICs are executing efficiently and meaningfully.

Meetings with Law Enforcement Officials and Media HousesKey feature of the activity : The objective of the activity is to aware media persons in line with the project objectives and its regular deliberations for covering project’s achievement and sensitizes people for creating supports through news papers, electronic media and at the same time unsafe migration and child rights violation is course of enforcement agencies. Project intended to keep tracking the registered children through law enforcement agency members and also like to take appropriate measures with them, in case of any discrimination.Staffs had been created a lateral linkage with the law enforcement officials and media partners with an aim to continue its regular meeting with them for the project duration. Law enforcement members and media personnel paid their keen interest to integrate with the project interventions in future. They opined that this project has some sorts of differences from other development project and it had some uniqueness in order to address a hidden problem in the society.A total of 52 meetings against set target 54 held where a total of 803 (437 media and 366 LEA) members participated. Of whom 787 were male and 16 Female.A significant numbers of news on unsafe migration and registration system published by the print and electronic media at local and national level. Law enforcement personnel are

paying keen interest to participate in different activities of project and involve with the registration system.

Press Conferences on Unsafe Migration and Benefit of Registration SystemKey feature of the activity : The prime objective of the activity is to aware media representatives on unsafe migration and importance and necessity of registration system.A total of 27 press conferences against set target 27 held where a total of 419 journalists participated. Among them male were 405 and female were 14.A significant number of news on consequences of unsafe migration and benefit of registration system published by the print and electronic media at local and national level.

Development of Training Module on Child ProtectionKey feature of the activity : A training module on child protection came into light and using by partner organizations at their peripheral locations. To give the module more reliability and authenticity a series of discussions and interactive sessions were held in different times. So, the process of preparing module was participatory and extensive in nature.

ToT for community members on child protection issuesKey feature of the activity : After successfully bring out of module of mentioned a series of training on child protection were held at its different project locations. The training was provided to selected children, youths and local NGO and CBO members from communities in the project area.

















































































































A total of 20 Training against target 20 held where a total of 400 community people participated. Of whom 179 were male, 117 Female and 104 were children.

Covered Community people, parents, Religious leaders, NSA members, and children are aware more or less on child protection and its necessity in the society.

Trainings for Community Members on Child ProtectionKey feature of the activity: The objective of the training is to combating against protecting child rights in project areas through providing training to the community people on child protection issues. The topics supposed to be discussed were parenting, positive discipline, child rights etc.

At least 60 Training against target 60 held where a total of 1252 community people participated. Of whom 395 were male, 402 Female and 455 were children.

Covered Community people, parents, Religious leaders, NSA members, caregivers and children and other relevant actors at community level like teachers, NGO staff, businessmen and religious leaders are aware more or less on child protection and its necessity in the society.

Formation and Orientation of Steering Committees (SC)Key feature of the activity: To explore responsibilities towards community following objectives has been set out for steering committee;

• Discussion and share experiences of Community Watch Group (CWGs) development scenario

• Organized half yearly review meeting where different Steering Committees (SCs) representatives, Community Watch Group (CWG) members, representatives from different service providers, Upazila Health Officer, Police Officers and others stakeholders will be invited to discuss how to increase accessibility of parents of risk in unsafe migration in the LGI & other services of organizations.

• Play important role to keep update information in CICs

• Made aware the people on risk of unsafe migration and creating alternative livelihood options.

• Made referral and linkage to the people are in risk of unsafe migration or already migrated with different service providing organizations.

A total of 24 Committee and Orientations meeting against target 24 held where a total of 458 community people participated. Of whom 352 were male and 106 were Female.

Involvement and active participation of steering committees at project areas some cases of child rights violation challenged by them. Although it’s not very significant but this attitude has been increasing accordingly in the areas. But these have paid more success in the field of registration system with regard to the familiarizing well at community level.

Quarterly and Half Annual Coordination MeetingsKey feature of the activity : At least 187 quarterly coordination and review meetings against set target 240 held where a total of 3748 community people participated. Of whom 2091 were male and 1152 Female.A total of 24 quarterly coordination and review meeting of steering committee at WARD level held against target 24. Total 461 participants attended, among them a total of 247 were CWG members’ 119 LGI representatives and others were 95.A total of 163 quarterly coordination and review meeting of steering committee at union level held against target 163. Total 3123 participants attended, among them a total 1570 of were CWG members 985 LGI representatives and others 568. A total of 9 quarterly coordination and review meeting of steering committee at Upazila level held against target 16. Total 154 participants attended, among them a total 107 of were CWG members 47 LGI representatives. A total of 11 half annual coordination and review meeting at Upazila level held out of


target 24, where a total of 63 committee members participated. Total participants were 196 among them LGI 59 and CWG 91 and others were 46. Meetings created opportunity to Referral linkage with community people for receiving children related services somehow.

Development of Registration System GuidelineKey feature of the activity : Under the direct supervision of SCI this software developed in accordance with the viable user friendly system. SCI- Information technology (IT) department initiated this and still continuing by LGI initiatives at UDDIPAN working areas.

Development of Registration SoftwareUnder the direct supervision of SCI this software developed in accordance with the viable user friendly system. SCI-IT department

initiated this meanwhile and basing on the web base registration system the procedure and protocol was going on at its 20 locations. Up to December 31st 2014 UDDIPAN registered at least 309204 children who were at risk of unsafe migration and already migrated. Among

them 14903-were male children and 16483 were female children. Herein below area wise registration data and ID card distribution scenario elaborated accordingly;

Development of ID CardsKey feature of the activity : Registration system had been working in field level. A total of 31386 registrations completed within the project period against set target 30,920 which was more that 100%. A total of 30,574 ID cards distributed among the children at risk of unsafe migration and migrated children.

Training for LGI Members on the Use of the Registration System Key feature of the activity: After preparing guideline and appropriate system of registration these training organized as limited basis. It depended on the necessity of the concerned LGI members. UDDIPAN had already been started orienting the concerned

on job training basis. UDDIPAN concerned FFs during registration had been tried to provide training to secretaries or LGI members who feel interest to receive skill on how to registrar the children under web based registration protocol.


Sessions with Selected Police Stations to Link Registration SystemA total of 8 training orientation for selected police stations on to link registration system held among target 25 which is 32%.

8000

7000

6000

5000

4000

3000

2000

1000

0

Comilla

Daudkandi

KachuaMirp

ur

Male Female

7312 73726862

6287

962793837


Formation and Orientation of Community Watch GroupsKey feature of the activity : Community Watch Group is a community based organization of the project. To have a transparent idea about CWGs some objectives of it should have in the mind. These were,• Organize courtyard session with children

and their care givers for promoting registration system in local community

• To participate steering committee meeting duly formed by UP or councilors of ward

• Share activities, achievement (use and development of registration system) problems and prospects of registration system at Upazila level half yearly coordination meeting.

• Play role as pressure group to motivate local govt. and other NSAs towards child protection and providing child friendly services.

• Participate and play positive role to help local people at local level dev. initiatives etc

To achieve all these objectives during the reporting period a total of A total of 180 CWG formed and oriented against set target 180.

Achievement is 100% where 2756 Community people participated in different activities of the project. Of whom 1727 were male and 955 Female and Children 74.

Courtyard Session at Community LevelKey feature of the activity : The development sessions with the community people through courtyard meeting was an effective means to discuss with the community people intensively about registration system and its adverse impacts and remedial procedure. These sessions were very effective in terms of touching peripheral people who are real doer of the project activities.

Huge participation and wide ranging coverage gave this activity very effective and result bearing. These sessions were conducted mainly by Field facilitators but they were assisted by the LGI members and CWG members during organizing and session conduction. A total of 4500 courtyard session organized against set target 4500. Achievement is 100%.

Where a total of 67898 community people participated. Of whom 9924 were male, 31016 Female and 26958 children.


Accordingly increased community level different stakeholders awareness on unsafe child migration and its consequences on the society. People in some cases taking decision whether they sent their child in nearest city for income purposes or not. The most cases they didn’t send their child at urban areas

Half Annual Review Meetings of CWGs and LGIs Key feature of the activity : This was a joint efforts by the CWGs and SCs where they sat together to review their own work and achievements regarding the promotion and establishment process of registration system on a half yearly basis to follow up on the process and possible obstacles faced by the involved CWGs actors. This contributed to ensure the courtyard sessions quality as well as increased the cooperation and information exchange between LGIs and NSAs. The steering committee also benefitted from this exchange of information and ideas extensively.

A total of 720 meetings against set target 720 held where a total of 9192 persons participated. Of whom 6011 were male members, 3181 were female.

Afterward, CWG members and LGI representatives aware about their activities done with regard to promotion of registration system as well as its effectiveness in the community.

Orientation Workshop for EmployersKey feature of the activity : Most of the migrated children at urban area took place in different mechanical workshop, involved with transport sectors as helper; takes job at tea stall etc. All these works were hazardous in nature. So, the project attempted to aware their employers for introduced with compliance issues, inform obligation of law, policies formulated for child labour perspectives etc. More over the activity likes to aware employers for motivating them to registration their employees.

A total of 36 meetings against set target 36 held where a total of 549 employers participated among target 200. Of whom 388 were male and 161 Female. (Reference: M&E Record sheet #20).

After having dissemination information and ideas on child rights, hazardous child labours, child registration and it bad impacts on body and mind of children , employers covered more or less aware about child registration and trying give them minimum attention to protect their minimum rights.

Training Needs Assessment Key feature of the activity : A total of 20 TNA completed against set target 201. The achievement is 100%. Total participants were 300 among those male were 232 and female were 68.

Training on Service Delivery for LGI membersKey feature of the activity : One of the key issues of the project was to provide or made linkage to the poor at risk of unsafe migration children family with different services provided by the LGIs (Safety net programs) or tried to linkage with the services provided by NSAs or other any sources. In Bangladesh, up to now LGI doesn’t know quantity of services should provide by LGIs and who are the really distress people should receive the opportunity. With a view to this, project organized training for service delivery for all LGI members of the project areas.

A total of 18 Training against set target 18 held, where a total of 230 participated the training course among them 210 were LGI and 20 were SCWCW members.


Case Study

Coming back to the Destination : A Hope for the Best

Name : Sharmin AkhterFather : Late Md. Soleman Mother : Anwara BegumVillage : Akania, P.O : Nischintopur, Upazilla : ChandpurAge : 13 Years

Sharmin has 3 daughters and a brother. Her father expired few days ago. Her mother became unmindful when her father was dead.

Sharmin sent to a house of Dhaka for domestic labour. Her employer was not good at all. She was tortured much by her

employer at Dhaka. The employer cut off her leisure time, often beaten and speaking roughly to her.

Sharmin had been passed her uncivil days. She never shared about her misery to anybody. But she became very bitter and angry against her employer’s brutality and violent nature which was increasing day after day.

One Sharmin described her misery to her mother. Mother heard all her painful events happened against her tinny daughter. But her mother couldn’t say anything better to her child as the moment she needs money to execute her family.

During the days, once her mother came to RUCMP-Link’s courtyard meeting. Accordingly she became aware about unsafe child migration and its bad impacts. She glittered and instantly decided to bring back her daughter from Dhaka. After few days she brought Sharmin from Dhaka. She came to Union Parishad Office and registered Sharmin as at risk to unsafe child migration. Her Registration is 8995.

Project staff tried to link Sharmin family with LGIs service delivery system and other NSA services for giving supports to maintain their livelihood.

Now Sharmin is going to school on a regular basis and trying to learning handicrafts in home. She is hopping in future do on handicrafts and earn more money for their better future.

This is very optimistic event has been impacting on the values of the local people. Many others of Akania are interested to register their at risk children for unsafe migration after hearing about Sharmin’s story from local people.


Case Study

An employer’s mindset doing better for working children

Name : Md. Morshad Ali Age : 40 yearsBusiness, Gazipuri Decorator Suzanagor, Shampapukurpar, Chowmohani, Ward # 17 Comilla City Corporation, Comilla

Md. Md. Morshad Ali, who lives in Suzanagor, Chowmohani, Shampapukurpar of ward # 17 under Comilla City Corporation, Comilla.

Many working children’s aged between 5-18 years were lived in the area where they came to city from different districts due to pain of poverty. UDDIPAN Rural Urban Child Migration–Link Project worked at ward # 17 under Comilla City Corporation to reduce the unsafe child migration from rural to urban areas and to improve situation of migrant children. UDDIPAN with supports from SCI and EU introduced activities with regards to reducing unsafe child migration through extensive efforts by CWGs and Steering Committees at Ward & Union and also SCs at Upazilla level.

Md. Morshad Ali received employers’ orientation and different trainings from UDDIPAN through active participation and he was one of the active and hard working CWG committee members since inception of the project. He had willingness and desire to work in favour of child workers who give labours in small enterprises, workshop and garage etc. within the area.

As an active participant he became aware the project ins and outs especially on adverse impacts of unsafe child migration and the importance of the child registration system through attending and actively participation in different events/sessions (Orientation meeting/Training/ Rally etc.) duly organized by UDDIPAN RUCM-Link project in their respective area.

Finally his self motivation derived him to do work for working children. He started to share the information with other employers, organized meeting with others likeminded and assisted to RUCMP officials for register the migrant children appropriately especially with supports of surrounding CIC volunteers staying in ward # 17.

Accordingly Md. Morshad Ali committed to do for something with a view to betterment of working children and at the same time he refrained from showing any tormenting and bad behaviour with the children working at his workshop.


Case Study

A Self Motivated CWG Members Working tireless for the Sake of Benefit of

Registration System

Name : Md. Moharom AliAge : 65 yearsS/o. Late Md. IbrahimVillage & Post : BorokotaUnion : BittershorUpazilla : DaudkandiDistrict : Comilla

Md. Moharom Ali, who lives in village of Barokota, upazilla Daudkandi under Comilla district.

UDDIPAN Rural Urban Child Migration–Link Project had been working at the area of Barokota, under Bittershor union of Daudkandi upazilla UDDIPAN

with supports from SCI and EU had been introducing activities with regards to reducing unsafe child migration through extensive efforts by Steering Committee at Union and Upazilla level and the Community Watch Group (CWG) at ward level.

Md. Moharom Ali was one of the active and hard working CWG committee presidents of Bittershor union. He had willingness and desire to work for the sake of poor children. As an active participant of different awareness and training events he came to understand the project ins and outs especially on adverse impacts of unsafe child migration and the importance of the child registration system.

Finally his self motivation derived him to do work with the project activities voluntarily. He started visit door to door and motivated risk children & their parents about the adverse impacts of unsafe child migration and accordingly hold it up importance & benefit of child registration. Mr. Mohoram Ali also made a register book and started keeping records information of at risk children in the register books and accordingly shared the information to RUCMP officials for register them appropriately through web based registration protocol with intensive supports from CIC volunteers.

Mr.Moharom Ali expressed his strong desire to work remaining life for the sake of these distress children and felt happy to doing on behalf of the project and his proactive involvement with the child registration system and ID cards distribution procedure.


UDDIPAN TVET Project Empowering Vulnerable Youngsters of the Port City of Chittagong in BangladeshBackground :Bangladesh is a country of 160 million populations within 147570 square km having a density 798 persons per sq.km and with a labour force of 60 m. Out of total population 32.7 % is youth aging of 14-25. Out of those a few will higher educated and the rest will be unproductive burden people of the family and state as well. Technical and Vocational Education and Training (TVET) is vital for the development of human capital of this country. The Constitution of Bangladesh states that “The state is responsible for development of human resources of the country irrespective of gender, and to assist in employment as per the capabilities of every citizen.” In the National Strategy for Accelerated Poverty Reduction (2005) the emphasis is given to the enhancement of workers’ skills resulting in the “Improvement of the percentage of vocational and technical graduates obtaining employment both in the domestic and international markets”. Chittagong is the main port and a major economic hub of Bangladesh. With a population of over 6.5 million people out of total 160 million populations, it is the second largest city in the country. It is located at the estuary of the Karnaphuli River in south-eastern Bangladesh and faces the Bay of Bengal. The city is sometimes called the "the commercial capital of Bangladesh."Considering the present reality of employment condition of Bangladesh as a whole and particularly of the Port City of Chittagong, UDDIPAN initiated the TVET Project in October 2013 after conducting an intensive baseline survey with the assistance of TdH- Netherlands in Bangladesh. The necessity of the skilled workforce requirement in the industrial area of port city of Chittagong and the availability of the potential 14-25 boys and girls of the poor and distressed families of the locality, who are dropout from the school with the pressure to support their families, moved into Chittagong and struggles to get employment as they do not have technical skills moving idle, many of them are involved in hazardous work and poorly paid. Some of the youngsters are frustrated and get involved with drugs


and crimes and some other are abused by the political parties as well as the local mastans, who could be the skilled workforce of local industries. There are also plenty of opportunities for employment in overseas market but due to lack of appropriate skills, these youngsters are deprived of job in abroad.Considering the present reality of employment condition of Bangladesh as a whole and particularly of the Port City of Chittagong, UDDIPAN TVET Project has been started from 1st October 2013 with 3 years duration aiming to Youngsters (boys and girls) from vulnerable and poor families in Chittagong port city have better livelihood opportunities with skills in Chittagong city corporation areas with technical and financial assistance by Terre des Hommes – Netherlands.Overall Objective :Youngsters (boys and girls from vulnerable and poor families in Chittagong port city have better livelihood opportunities with skills.Project Purpose 1 : Increased capacity on technical and vocational education of youngsters (boys and girls) from vulnerable families for gainful employment.Project Purpose 2 : Contributed through programme research and documentation of best practices which have been adopted and replicated in public sector and used for policy change for increasing employment.Target Population :The major target beneficiaries of this project will include the youngsters who are unemployed, underemployed, either dropped out from school or cannot afford to keep on further education due to lack of poverty or opportunities, addicted and engaged in drugs, engaged in political violence and deported from schools and very specifically: • Vulnerable young people with no income

and/or poor income• Drop out young people from school• Youth ageing between 14-25• Slum dwellers• Marginalized poor familiesTarget Areas : In consideration with target population and TVET focused interventions, Chittagong city areas and

its periphery where slum dwellers and industrial set-up exist will cover as target areas. In accordance with this charecterstics the specific geographic areas of this project are: 1) Chandgoan, 2) Panchlaish 3) Baized, 5) Bakuliya, 6) Kawtoali, 7) Khulshoi, 8) Chak Bazar and 9) Doublemoring of Chittagong city corporation.Project Period : 03 years (starting date : 1st October 2013 – closing date 30 September 2016)Course Duration :

Name of Trade Duration of Courses

Welding and 12 months with 3 Fabrication month apprenticeship

Electronics 12 months with 3 month apprenticeship

Electrical 12 months with 3 month apprenticeship

Industrial 6 months with 3Sewing Leather month apprenticeship

Industrial 6 months with 3Sewing Garments month apprenticeship

Introduction :

UDDIPAN TVET Project has performed Yearly activities during the period of 01October 2013 - 30 June 2014. The major accomplishments have been performed over the period are: NGOAB’s approval, Job description development, Office setup, Staff recruitment, Conduct advertisement and survey and student selection, Course module development, Organize experience sharing meeting workshop with similar TVET implementing organizations, Module review with the experts of other TVET Institutes like: Bangladesh Korea Technical Training Centre (BKTTC), UCEP, SSSTangail, SEEP, Trade wise equipment purchase, Generator procurement and Installation, Project Launching, Development of UDDIPAN TVET Project Booklet, Development for UDDIPAN TVET Project Webpage, Organized motivation session with parents, Exposure Visit for Principal and Instructors, Organized employers meeting, Case study development on Salomons Dream and Inna’s Hope. UDDIPAN TVET Project is passing its 9 months long journey accordingly aiming to achieve its results, objectives and the cherished goal.


The following progresses have been made during the period of 01 October, 2013-30 June, 2014.

Overall Progress of TVET Project Activities During the Reporting Period :Approval from NGO Affairs Bureau :Project approval from NGO Affairs Bureau has been taken during the month of October ‘2013. After getting NGO bureau’s approval an agreement with donor has been completed at the end of November 2013. Later a bank account has been opened following due process after the signing of the agreement Develop job description for project staff members :According to the project design and requirements job description for all staff members has been developed.Advertisement and Staff Recruitment :Advertisement for recruitment has been circulated through publishing in the national daily newspaper namely “The Daily Ittefaq “and Bdjobs.com. During the month of December 2013, Principal,01 Job Placement Officer (JPO), 02 Instructors, 01 Accountant cum Admin Officer have been recruited and deployed. Later in the month of January 2014, 1 Electrical Instructor has been recruited and deployed. A brief project orientation has been accomplished with the newly recruited staff members during the reporting period of 1st Quarter of the Project implementation.Project Office Setup :UDDIPAN TVET Project Office at Chittagong has rented and a deed of agreement with house owner has completed during the reporting period. Purchase of office furniture are under process because the selected vendor could not supply the furniture and equipments due to the continuous political strike and blockade ever seen in Bangladesh, which destroyed people’s normal daily life.

UDDIPAN TVETCentre, Chittagong

To tackle the situation, temporarily TVET Project Office has collected some furniture for the office decoration from UDDIPAN’S Regional Office at Chittagong. Project Management is very much optimistic that the vendor will be able to supply all the furniture and equipments within the 2nd week of January after the cooling down of the present political situation. A sign board for project office has been procured and displayed in front of the office premise.Selection of Trainees : During the reporting period 1500 copies of leaflet has been printed and 7 banners have been developed mentioning the major student-selection criteria, facilities and post benefits from the Project distributed and displayed in different suitable public places, so that people can easily visualize and understand TVET Project and its importance for Youth Employment. By this time many youngsters have applied for the admission. TVET Project Management has already engaged in scrutinizing and finalizing the probable trainees for the advertised courses of the TVET Project. TVET Project Management assumes that all the trainee swill be selected by the next month of January 2014 for starting the courses on Electrical, Electronics and Welding immediately. During the final selection of the trainees they are to face an interview and in-depth discussion with his/ her parents held during the reporting period. In this process total 45 trainees will be selected for 3 trades namely Electrical, welding & fabrication and Electronics by January 2014.Discussion with Parents : Several informal discussions with parents individually and in small group held about TVET Project and its importance and benefit for the Youngsters Chittagong Port City areas during the reporting period. Exposure visit to BKTTC :The UDDIPAN TVET Team has been paid an exposure visit to Bangladesh Korea Technical Training Centre (BKTTC), Nasirabad Industrial Area, Chittagong on Welding and Fabrication, Electrical and Electronics Trade. They have exchange the ideas and views regarding their expertise areas and enrich them. The principal of BKTTC gave motivational as well as a guiding speech, which followed by a tea party with the honor of UDDIPAN TVET Project colleagues.


Organize Meeting Workshop with TVET Implementing Organizations :During the period UDDIPAN TVET Centre organized a sharing meeting and a workshop for exchanging ideas, expertise and review the course curriculum and modules. In the two days workshop there were 4 instructors from BKTTC as resource persons those were Trainer as well as Assessor of Competency Based Training & Assessment (CBT&A) BK-TTC, Nasirabad, Chittagong.The resource team have observed the session conduction of UDDIPAN TVET Centre’s instructors’ and provide feedback for next measures. Later, they the instructors of BKTTC facilitate ideal sessions on respective course for the better learning of the instructors of UDDIPAN TVET Project.Procurement of Generator :During the period of 3rd Quarter the procurement committee of UDDIPAN TVET Project has purchased one 65 KVA FG Wilson Generator for the project particularly of the welding and fabrication trade course practical classes ,which is not possible to run exactly by the 220 voltage electricity presently exists in the UDDIPAN TVET Centre.Development of UDDIPAN TVET Project Booklet :A booklet has been developed on the occasion of Project Launching Ceremony, which contains Situation of the Youth of Bangladesh, UDDIPAN as a one of the leading development organization

in Bangladesh, description of UDDIPAN TVET project including overall & specific objectives of the Project, suitable for whom, project areas, project implementation strategies, course duration, outcome of the TVET project, linkage and network, benefits for the students, UDDIPAN TVET Centre at a glance and communication address of UDDIPAN Head Office at Dhaka and TVET Project Office at Chittagong. Please see annexure: 03 of page 33-36

Development for UDDIPAN TVET Project Webpage :

During this quarter a webpage has been developed for UDDIPAN TVET Project under UDDIPAN Website address www.uddipan.org in the section of Human Rights and Social Development Program (HR & SDP) ,which contains the Project title of UDDIPAN TVET Project, Project Background, Justification of the Project, Overall Objective, Purposes of the Project, Target Group, Geographical coverage, Project period and organogram of the Project.

Launching Ceremony of UDDIPAN TVET Project :

UDDIPAN Technical and Vocational Education and Training (TVET) Project “Empowering Vulnerable Youngsters of the Port City Chittagong in Bangladesh” was formally launched on 3 June 2014 by Mr. Ali Ahmed, the Chief Executive Officer (CEO) of Chittagong City Corporation on behalf of the Honourable Mayor Alhaj M Monjur Alam, City Corporation of Chittagong.


The launching ceremony was presided over by the Honurable Chairperson Mr. Shahid Hossain Talukder. Mr. Mahmudul Kabir, Country Director, Terre des Hommes - Netherlands was the Guest Honour, Mr. Mahabubul Alam, commissioner, Chittagong City Corporation was the special guest. Md. Emranul Huq Chowdhury, Executive Director and Chief Executive of UDDIPAN moderate session of the launching ceremony.Mr. Shahid Hossain Talukder, Chairperson of UDDIPAN, Mr. Ali Ahmed, Chief Executive Officer (CEO), Mr. Mahmudul Kabir, Country Director, Terre des -Hommes Netherlands, Md. Emranul Huq Chowdhury, Executive Director

Organize motivation session with parents :Three motivation sessions has been conducted with parents of Welding and Fabrication trade course, Electrical Trade Course and Electronic Trade Course. During the session Principal, JPO and Instructors were present. In the meeting TVET representatives exchange the ideas, views and experiences on trade wise training activities, performance of the students, and their behaviour in the TVET Centre during the period. They also enquired to the parents regarding any significant behavioural changes of their boys and girls at home. The parent shared their ideas and experiences about their boys and girls and expressed their satisfaction in this connection. They passed their opinion that they have found significant positive changes of their children in terms of discipline and behaviour. Finally, the Principal seek more cooperation from the parents through taking care of their girls and boys at home particularly in line with their study, discipline and behaviour.Conduct Exposure Visit :During the PMR reporting period 3 exposure visits have been paid in UCEP Bangladesh, Luna Lite Co. (BD).Limited, Gazi Wires and General Electric Manufacturing Company Ltd. Plant. Principal, JPO, Instructors of UDDIPAN TVET Center participated in the exposure visit. At the beginning of the visit there was a briefing session on the total activities of the industries by the authority. During the exposure visit the member of the team visited the different section of the industries for gathering related

experiences. Later the team member also gave a briefing on UDDIPAN TVET Centre goal, objectives, activities and performance. Organize employers meeting :Two employers meeting has been organized with the employers of different industries and factories of Chittagong over the period with the presence of Dr. S M Shahidullah, head of UDDIPAN Project along with Mea Afzal Chowdhury, Regional Manager, Chittagong, Principal of UDDIPAN TVET Centre, JPO, trade Instructors.

Project head gave a power point presentation on UDDIPAN TVET Project followed by an open discussion session. The employers enquired different queries regarding skills and knowledge acquired by the trainees of UDDIPAN TVET Centre. Later, employers paid a visit to the class room, watch equipment and instruments of the trade courses and displayed projects done by the students.

Result wise target and achievements during the period of 01 October, 2013 – 30 June, 2014 :

During the project implementation reporting period i.e. 01 October, 2013-30 July, 2014 the following achievements have been performed under the Purpose 1: Increased capacity on technical and vocational education of youngsters (boys and girls) from vulnerable families for gainful employment against the results of the project.

Over the reporting period out 63 targeted events 60 were fully performed and I (one) event was partially (50%) accomplished i.e the performance percentage of the project activities over the reporting period is 96.03%

60.563

Event performance of UDDIPAN TVET Project

Targeted Events Achieved Events


Status of students Enrollment of 1st. batch of TVET Project.

The enrollments of the students shown as below bar chart

The above bar chart shows enrollment status of boys and girls of the Project where total 45 trainees were enrolled over the reporting period, out of which 10 were girls and the rest 35 were boys.Attendance status of students :The attendance status of Welding trade course was 1389 student days, for Electronics trade course it was 1349 student days and for Electrical it was 1352 student days out of the total 1410 student days, over the reporting period.

Above pie chat reveals that the achievements of students attendance of Welding trade course is 98.51%, Electronics trade course is 95.88% and Electrical trade course is 95.67% and the average percentage of students atteandance is 96.68%.

Child protection measures over the period of 1st Year :

During period of 1st year (October 2013 – June 2014) TVET Project implementation Child protection awareness measures have been taken through orienting the students, staff, parents and community people. Benefited total number of beneficiaries shown in the table-03.

Above pie chart illustrates that total beneficiaries of the project over the reporting period is 640, out of that 45 children were benefited and the rest 595 community peoples were benefited through awareness building support from the project. On the other hand there were no vulnerable and exploited children to receive care and no child victims to receive legal assistance.

Challenges :• Irregular attendance of few trainees mainly

those who are coming from 5-6 kilometres distance of remote areas.

• Culture of enjoying long vacation by the trainees during the religious and other festivals in the port city of Chittagong.

• Absence of budget allocation on co-curricular activities.

• Political unrest

The project team worked together during the reporting period of 01October 2013-30 June 2014 with full of commitment to keep up the progress towards achieving the project goal and objectives. The Project management needs to be vigilant to receive applications of the candidates from remote area and particularly the age below 18 years of applicants because of its non compliance issue for the employers as of ILO convention in the coming session. More frequent follow-up for interns particularly visit paying to the industries can increase the attendance of interns in the industries, which would also be helpful for better job placement in the coming day. The experience gathered from the 1st year project implementation would certainly be helpful for making the pavement of 2nd year TVET Project implementation smooth and effective.

Status of Students Enrollment40

30

20

10

0Welding &Fabrication

Electrical

Enrolled Boys Enrolled Girls

Electronics Total

Course wise attendance statusof the students over the period

Welding and Fabrication

96.68%98.51%

95.88%97.12%

Electronics Electronics Average%

Total Beneficiaries in 2013-2014 Number of Childrenbenefited by the project

Number of Vulnerable andExploited children received card

Number of Childvictimsprovided Legal assistance

Communities made awareon child rights

Total

640595

4500

0


Success Story - 01Dream of Solaiman Badsha – Exploring Avenues of Livelihood

Solaiman Badsha a youth ageing 17, is the son of Mr. Samsul Alam and Ms. Hosne Ara Begum. He has two brothers & a sister. His father is a landless pushcart driver and his mother, a house wife. They have migrated from a rural area of Chandanaish Upazila to port city of Chittagong with an aim to explore avenues for livelihood options and now they are living in Hajirpur slum area of Chandgoan, Chittagong.

Solaiman Badsha was the student of class eight at the age of fourteen. Earlier, they had a happy family although with a meager income. His father was like an umbrella for the family while he was with them. All on a sudden, a disruption occurred in his family, while his

father got married with another lady and abandoned his family. It was like a bolt from the blue for them and the total family stood helpless. Solaiman’s mother was shocked and puzzled and was in a fix thinking of how to manage food, clothing, shelter, treatment as well as educational expenses for her family members.

Solaiman Badsha started thinking of earning somehow to help his mother for their survivals. Then he started to work in a local Tea-Stall as a tea serving boy. One day while he was serving tea to a customer, by mistake the tea cup was broken down into pieces. Due to that unfortunate incident, his employer tortured him. This unfortunate incident was a great insult to him, which makes him gloomy and unhappy. He was thinking of other way to get rid of this insult and looking for other livelihood options. Suddenly he found an advertisement on admission of the trainees in UDDIPAN TVET Centre, Chandgoan R/A, posted on the wall of that tea stall. He took one night to think of it and next morning he left the tea stall. He went to UDDIPAN TVET CENTER along with his mother and appeared in a briefing session of different trades based courses to be held and later he took decision to be admitted into Electrical Trade with a dream of a job and better life after the training is over.

He has a pleasant feeling while the trade course started in the UDDIPAN TVET Centre with other 14 fiends of similar age group. He was very happy to know that he will get 1500 taka every month for training allowance at the end of the month after participating in the training course. Moreover, he came to know that UDDIPAN TVET Centre will arrange a decent job in a suitable industry/factory or UDDIPAN will provide loan to the trainees for self-employment, which will remove his poverty and pave the way of new avenues of income and livelihood as well. He also added his good feelings on the total congenial environment of UDDIPAN TVET Center. He passed his fist 6 months of total one year training course including 3 months apprenticeship in a suitable industry or factory.

He expressed his gratefulness to UDDIPAN TVET CENTER CHITTAGONG, Terre des Hommes Netherlands, overall UDDIPAN management and finally to the almighty Allah for the opportunity he availed that leads him to put his dream into reality.


Success Story - 02A story on Ina’s Hope of Life

Anika Jahir Ina is the daughter of Late Jahir Uddin Babor and Ayesha Begum. She is the only daughter of her parents. She is 17 years of age. Originally she is from Comilla district. But now she is living at Kalamia Bazar-Bakolia in Chittagong. She lost her father when she was in class six. Her family became very vulnerable at that time. She started thinking what they can do and how will

survive. She completed her SSC facing lots of difficulties and hardship but she could not continue her study any longer.

Finding no better way her family took decision to shift their family to the port city of Chittagong and they migrated from Comilla to Kalurghat – Chittagong. They somehow took shelter in a slum. After that she started looking for a job just to save their existence. Her mother was engaged as a domestic servant and bound to sell her labor quite cheaply. Her mother was exploited by the landlord.

One day she saw an advertisement on a road side wall and came to know that UDDIPAN TVET Center is offering technical training course for the poor at house-15,road-02,block-b,Chandgaon R/A, Chittagong. Then she came to the UDDIPAN TVET office and knew about trade courses in detail. She became very happy to know that those who will be admitted and attend the training course regularly will get tk.1500 per month. Ina started dreaming a prosperous happy life with dignity in the coming days.

Then she returned home and discussed the matter with her mother. Her mother allowed her to get admitted into the Electronics trade course. Then she took admission in the electronics course of UDDIPAN TVET Centre at Chittagong following due process.

Anika Jahir Ina has already completed her 9 months long electronics trade course at UDDIPAN TVET Centre in a very congenial working environment. Now she has joined in Abul Khair Group of Industries in Chittagong for 3 months October-December 2014 as intern.

Now she is excited to think that her dream is going to be materialized and is on the last ladder of her beautiful dream.

Finally, she expressed her gratefulness to UDDIPAN TVET CENTER- Chittagong, Terre des Hommes-Netherlands and UDDIPAN management for allowing her to get the beautiful opportunity of prosperity, empowerment and dignity in the future.


Strengthening Government Social Protection for the Poor (SGSP) of Banshkhali Upazilla under Chittagong District using Social Protection ToolsProject’s Background :

To address the awful situation of the marginalized people, like other parts of the country, the government of Bangladesh has undertaken a good number of social protection programs. Major programs include Allowance for Financially Insolvent Disabled (AFID), Allowance for the Widow, Deserted and Destitute Women (AWDDW), Female Secondary School Stipend Program (FSSSP), Employment Generation for Extreme Poor Program (EGEP), Maternal, Child Reproductive and Adolescent health (MCRAH), Old Age Allowance (OAA), Primary Education Stipend Program (PESP), Test Relief (TR), Vulnerable Group Development (VGD) and Vulnerable Group Feeding (VGF). Corruption, nepotism and politicization in the supply side exclude many poor from the programs or the quality services. But in the demand side, poor citizen participation in implementation process, poor voice of the service recipients to claim quality services, incapable citizen groups to stand for the marginalized people and lack of community platforms to fight the discriminations against poor are existed which abstain the poor to enjoy quality services of SPPs. Due to a range of problems, many of the targeted marginalized groups cannot be benefited from these social protection programs. The major reasons behind these problems are corruption, nepotism, lack of participation of service recipients in the process of the program implementation, politicization and poor access of the poor to the program related information. Poor governance in the implementation agencies is the source of corruption, politicization, nepotism and mismanagement of SPPs. Active participation of beneficiaries and citizen groups in targeting, planning and

implementation process can ensure the quality services of SPPs. But in the proposed upazilla, there is no initiative like Strengthening Government Social Protection for the Poor (SGSP) from NGOs and civil society organizations to defend the rights and entitlements of beneficiaries of SPPs that use social accountability tools.However, there is considerable scope for improving targeting, as a sizable number of poor households remain excluded from the program even while many no poor households are included through enhancing participation of community people in implementation process.

Target :

Working Area : District : ChittagongUpazilla: Banshkhali

Name of LGU : Banskhali Paurashava, Pukuria Union, Sadhanpur Union, Khankhanabad Union, Baharchhara Union, Kalipur Union, Bailchhari Union, Katharia Union, Saral Union, Gandamara Union, Chambal Union

Beneficiary (Household) :

Direct Indirect Male Female Boy Girl

21,087 186,009 4923 8831 1893 5440

Source : Information provided by local government administration

Project Goal :

To establish social accountability among service agencies with the view to make available quality services at the grassroots level

Purpose/ Objective :

To ensure participation of service recipients and citizens in the decision-making and the process of implementation of social protection programs (SPPs) undertaken by service agencies at the grassroots level.

Specific Objectives :

1. Accustomed community driven social audit in ensuring transparent and accountable safety net service delivery to the actual beneficiaries;

2. Identified the policy advocacy issues of social safety net programmes by increasing awareness among the right holders and duty bearers;


3. Created opportunity to document and share the accumulated knowledge on universal provision of SSN Services;

Major Activities : Institutional Capacity Development Capacity Building (Community & staff

capacity building) Community monitoring using Social

Accountability Tools • Social Protection Tools: • Process of Social Audit:• Community Score Card• Citizen’s Report Card• Public Hearing

Grievance Management System Develop Community Mobilization Awareness Campaign Demonstration and Advocacy Project execution and

Achievements : Though duration of the project start from March 2014 but only initial activities have been done in this period. Developed a data based on 10 selected SPP’s which will be monitor by using SA tools. The SPP’s are:

1. Allowance for financial Insolvent Disabled (AFID)

2. Allowance for the Widow, Deserted and Destitute Woman (AWDDW)

3. Female Secondary School Stipend Program (FSSSP)

4. Employment Generation for Extreme Poor Program (EGEP)

5. Maternal, Child Reproductive and Adolescent health (MCRAH)

6. Old age Allowance (OAA)

7. Primary Education Stipend Program (PESP)

8. Test Relief (TR)

9. Vulnerable Group Development (VGD)

10. Vulnerable Group Feeding (VGF)

Major Outputs :

1. Capacity of duty bearers improved on effective safety net service delivery system;

2. Capacity of Citizen groups improved on overseeing of social protection services;

3. Social accountability mechanism introduced at LGU level to deliver selected SSN services;

4. Beneficiary’s complaints and grievances are resolved;

5. Best practices and learning are replicated and

6. Knowledge level of the beneficiary in social protection rights & entitlements and distribution and delivery process enhanced.

Sustainability /Exit plan :

It is expected that at the end of the project, it would be sustained as the social accountability system will be adopted by local public service institutions as the integral part of their service delivery. Knowledge and skills of the officials of local public service institutions in using social accountability tools would be enhanced and these knowledge and skills would be using even after completion of the project. Social Protection Forum will gain knowledge and skills in using social accountability tools that will also be used by them even at the end of life of project for other project.

At the ending stage, an exit plan would be prepared enlisting all accomplished activities, the activities which will be continuing to implement by the local public service institutions and SPFs and transferable logistics. At the ending week or day these plan and transferable logistics will be handed over to the SPFs and local public service institutions.

Integrated Child Centered Climate Change Adaptation (ICCCCA) ProjectIntegrated Child Centered Climate Change Adaptation (ICCCCA) in Bangladesh project is one of the important projects of UDDIPAN. It has been implemented from 2012 with an objective to strengthen community resilience through increasing knowledge on climate


change adaptation by children and their caregivers by development of ‘adaptive culture’. Save the children international has been provided technical and financial support.The project has been implemented in 2 Upazilas namely Pirojpur Sador and Zianogor under Pirojpur district covering 5 Union Parishad, 1 Pourasova, 60 Village, 5 Union including Ward disaster management committee (WDMC), 10 Formal school and 6 child & youth clubs. Total direct 2700 ( children & caregiver) and 84,437 indirect ( Children, Caregivers, Community people, Local elites and GO & NGO officials) beneficiaries are involved in this project. During the project period total 124 numbers of different events has been held according to the yearly plan and 25 numbers of special events has been conducted for creating demand in relation with climate change adaptation at community level. Except these, 22 numbers of different types of adaptation / mitigation activities have been taken by the children at the community, formal school, child & youth club and union parishad level.

The Major activities of the project are-

(1) Inception and survey findings sharing workshop :

An Inception and base line survey findings sharing workshop has been conducted at Pirojpur Upazila conference room during January 2014. Honorable Deputy Commissioner (DC) was the Chief guest of the workshop and Special guests were Upazila Nirbahi Officers of Pirojpur sadar & Zianagor Upazilla and other govt. high officials, children, parents, civil society representatives, journalist, Upazila and UP Chairmen, UDMC members, teachers, local elites and SCI representativ were participated.

The main objective of the workshop was to share project goal, objectives, activity, project area, project implementing strategy and outcome with the relevant stakeholders who will provide effective support to implement the CCA action plan at local level.

(2) Capacity Building Training for club children on CVCA and DRR Integration and Adaptation plan preparation :

During this year total 6 batches capacity building training for club children on Climate Vulnerabelities and Capacity Assessment (CVCA) and Disaster Risk Reduction (DRR) integration and Adaptation plan preparation has been conducted.Total 156 numbers of club children were actively participated in the training courses.

The major contents of the training are- weather and climate, reasons of climate change, effect of climate change, climate hazard, disaster, risk, vulnerability, risk reduction, preparedness prevention and mitigation of risk, emergency response, how to integrate with DRR activity with CCA, Capacity assessment and community risk assessment, CCA, CVCA, adaptation plan preparation etc.

Children Conducting Community level Climate Vulnerabilities and Capacity Assessment (CVCA) During this year total 6 numbers of community level CVCA have been conducted by the trained club children covering 6 unions. 63 numbers of club children and 99 numbers of


community people were directly involved with whole process of CVCA. Among of them 32 numbers of boys, 30 numbers of girls, 60 numbers of male, 38 numbers of female, 1 number of disabilities girl and 1 number of disabilities male. They used different methods/tools & technique like transaction walk, interview, focus group discussion, risk & resource mapping, livelihood matrix tools, institutional mapping, seasonal calendar, social mapping, and Venn diagram during carryout CVCA.

Conducting of Courtyard Session for Awareness Raising on CCA

Total 25 numbers of courtyard sessions have been conducted during the reporting preiod under Sankorpasa, Chalisa, Udaykathi, Shariktala, Khumuria club in Pirojpur sadar and Parerhat club in Zianagor Upazila. The discussion issues were weather & climate, reasons for climate change, effect of climate change, strategy of adaptation, sector wise adaptation, climate hazard, disaster, risk, disaster risk reduction, vulnerability and capac.ity assessment, what is child centered climate change adaptation and also discussed in this session how to increase community resilience involving children and youth. Not only those they, who which adaptation techniq ue/method will be implemented in, their house on that a farmer list prepares. 616 Community peoples/caregiver directly understoond and aware about the climate change & adaptation technique considering the changed situation.

Conducting School based training for Awareness RaisingDuring this year 28 numbers of day long school based awareness rising training on climate vulnerabelities & climate adaptation have been conducted in 11 formal schools under Pirojpur sadar and Zianagor Upazila. Total 707 numbers of students actively participated in these training where 261 boys and 443 were girls and 1 boy and 2 girls were disable.

Theatre for Development / Cultural Show Total 5 numbers of community level theatre shows for mass awareness rising on climate change issue has been demonstrated. The trained cultural children groups of UDDIPAN child & youth club have been performed as artist of this drama show.The main messages of that events were how the community can identify risk, resource and vulnerability and what will do before, during and after the disaster and community people how can adapt for any climate changing situation. About 15400 numbers of children, student and community peoples were participated the events.

Various Day Observation

National Disaster Preparedness Day-2014 Celebration

The Children Clubs members observed National Disaster Preparedness Day 2014 on 27th March, 2014. Children, parents, civil society representatives, journalist and Govt. & NGO officials were spontaneously participated in the program. The Slogan of the day was “No


special day for disaster, be prepare all time” (`y‡h©v‡Mi †bB w`bÿY, cÖ¯‘Z _vKe mvivÿY). Pirojpur District Administration along with Disaster Relief and Rehabilitation Department jointly observed this day with UDDIPAN.

Children and youth’s club members disseminated messages through making at union, upazila and district level with the importance of the day.The day was observed following the initiatives which are-• A colorful Rally• Discussion session with cross stakeholders• Art competition• A Simulation session by the children on

during disaster issues• Street Drama show

World Environment Day-2014 CelebrationThe children clubs members with CCA officials have observed the National Environment Day 2014 on 5th June. Pirojpur UDDIPAN District Administration and Environment department jointly observed this day. Deputy Commissioner, Police Super, Club children, parents, civil society, journalist, GO & NGO officials were participated in this program. The slogan of the day was “Raise your voice, not the sea level”

Observing Independence Day-2014 Child and youth club members were observed Independence Day on 26 March 2014 at Pirojpur. Children and youth was organized a rally. Local print and electronic media were coveraged our children’s initiative of this day.

Except these, club children also participate with setup a stall at the National Children’s day (Shishu Anando Mela), Agriculture fair 2014 and Childrens Fair (Shishu Mela).

Program Visited by Govt. officialsICCCCA Project activities was visited several times by the Upazila Nirbahi Officer (UNO), Chairman of Union porishad & other relevant officials . During visit they set with the child and youth club member, discuss with them about their activities visited the carbon sink plot (Vegitable garden). Children orient them about different adaption method such as key-hole method, green house, bagging method, vertical method and uses of these method. The visitors very pleased to see the childens initiatives and recommended that this activity should be expanded to all Upazilas at Pirojpur District.

Adaption & Mitigation activities The following adaption and mitigation activities have been implemented at the community, Formal School, Child & Youth Club and Union level focusing major 4 areas which are Health , Agriculture, Fsheries and Livestock which are- Health

• Practicing health kit box at family level

• Using improve Cocking stove

• Ceiling set up on the class room at formal school

• Mask distribution for the School students

• Dry and Wet Hygrometer using in child & youth club and Union porishad


• Fire extinguisher distribution in child & youth club and Union porishad

• Water filter provided at Child & Youth Club• Using electric energy savings bulb and fan • Installed Solar home system • Using of waste box & practicing waste

management system.

Agriculture : • Seeds distribution• Vegetable cultivation following key hold

method, vertical agriculture, improve pit and shorjan method.

Fisheries :

• Climate resilience Pond fish culture

Livestock :

• Duck rearing reducing green house gas specially methane gas.

Strengthening Civil Society to Act for Children Together at all LevelsOverall Objective : Enhanced capacity of civil society to establish child rights governance at all levels.

Specific Objectives :

1. Strengthened technical and organizational capacity of CRGA to perform its role as a strong and recognized child rights governance actor by 2015

2. Strengthened capacity of CRGA to advocate for Child rights governance particularly focused on child directorate, preventing and

addressing CR violations and follow up of the implementation of Children Act 2013

Target Group : 21 Member Organizations of CRGA, the National Children’s Task Force, the Ministry of Women & Children Affairs (MoWCA), Civil Society Networks, Journalists, members of Parliament and the National Human Rights CommissionOutputs wise Results and Changes : Children Act-2013 Nation Plan of Action for Combating

Human Trafficking 2012-2013 National Child Labour Elimination Policy 2010 National Child Policy-2011 Child marriage Elimination Act-2014 (Draft) Pornography Control Act -2012 Prepared CRC Alternative ReportResult 1 : A strengthened and well organized Child Rights Governance Assembly of Civil Society monitors and advocates consistently for child rights governance.

Result 2 : Improved capacity of CRGA to systematically monitor and advocate for child rights governance

Result 3 : A strengthened and coordinated Child Rights Governance Assembly systematically advocates for Separate Child Rights Directorate, Child Rights Commission and other legal frameworks in line with the UNCRC

Lessons learnt from the project :Key achievements by CRGA Secretariat• CRGA member staffs and NCTF has

received training on CR advocacy, CR Monitoring, Facilitation process as well.


• By a workshop CRGA Advocacy strategy has been developed.

• CRGA involved Academia, Actors, Writers, Journalist, Go and NGO representatives, Children and youths on CR issues by observing CR week.

• Organizing Human Chain, Press Conference, TV Talk show, Poster campaign delivering press release CRGA brought the issue of Political Violence against Children to political leaders. Ruling party of the country included the issue in its Election Manifesto.

• The Parliamentary Standing Committee on Ministry of Social Welfare decided to recommend a specific provision be added to ‘Children Act-2013’ to prohibit the use of children as political tools

• CRC alternative report prepared and ready to be submitted,

• CRGA has prepared a study report on MoWCA’s governance structure for next advocacy work on separate Children Division and a summary paper has been submitted to honourable Prime Minister demanding the division.

• CRGA also has prepared a Mapping of good child Rights CSR practice in Bangladesh. The mapping will be used for next action for children in 2014.

• In cooperation with a consultant, CRGA has developed Child Rights Monitoring Framework and planned to use that pilot basis.

• By regular Press Release and Press Conference a number of news has been published on dailies and aired on TV channel on CR advocacy issues.

• CRGA has received its registration from DSS & now its a formal Institution.

• Two representatives from ASK attended the UPR pre-session organized by the UPR Info during March 2013 & one representative from ASK attended on behalf of CRGA the 16th UPR session and raised CRGA’s priority concerns during the review. Three out of five CRGA’s key priority concerns have been recommended directly by different state in

draft report of the UPR working group. These include 1. Establishment of an Ombudsman for Children, 2. Enactment of Education Act and 3. Enactment of Children Act.

• Bangladesh govt. already enacted Children Act 2013.

• Stakeholders and Communities perceptions & mindset is being influenced to change positively,

• Within Coalition activities CRGA is conducting advocacy activities with govt. to sign OP 3

• Multi sectoral stakeholder’s linkage established, stakeholders’ representatives came together at Coalition for CR Advocacy.

Challenges Encountered :

Most of the partners of CRGA are busy with different project activities and a same focal persons of the partners are formally involved with many a project at the same time.

As network, CRGA is found to implement most of the activities due to come in a common decision within activity period. To organize a press conference immediately after passing Children Bill 2013 was a challenge to CRGA.

Due to Political unrest It was very difficult identify and manage policy maker and govt representatives as well as organize CRGA Annual assembly.

Required cooperation of members and timely response for contribution to expedite CRGA registration process is also a challenge

Children Banking Education & Practicing Children Savings Initiatives For Working Street Children UDDIPAN has been working since 2002 for protection and livelihood improvement of working in both rural and urban areas. From vast working experience with children, UDDIPAN observed and realized that children have no safe options to keep their earn money. As a result they spending their earned money with unplaned way and to same extend they also cheated by others.In this context, UDDIPAN with Save the children and some organizations have taken


various initiatives for institutionally protect savings of working /street children. Recently Bangladesh Bank has circulated BRPD circular No. -5 for livelihood promotion of working and street children. Based on the circular all vulnerable working/street children can open bank account in all commercial bank in all over the country. During the reporting period 90 number of working children have opened their bank account in Krishi Bank Ltd., NCC bank and Agrani Bank Ltd at Banskhali, Daudkandi and Pirojpur areas.

Gender Action Learning System (GALS) ProjectWomen Empowerment Mainstreaming And Networking (WEMAN) is a process for gender justice in economic development interventions, including market and value chain development, financial services and economic policy and decision making spearheaded by Oxfam Novib. One of its goals is empowerment and improvements in livelihoods which are significant and sustainable for women, their families and communities, particularly from low income and vulnerable groups.

GALS (Gender Action Learning System) is the key methodology to support WEMAN based on participatory and gender principles specifically to analyze and address gender issues.• It is a set of tools for life planning which

can be flexibly used to suit Different Target Groups and Context.

• It can be used equally by women and men who cannot read and write as well as by organizational staff, academicians and researchers.

• Its goal is not only focused on improved livelihoods but more importantly on increased life choices (voice on decision making at personal, house hold and community level) and increased happiness(self respect, love, friendship, security and freedom from violence)

INAFI Bangladesh has been implementing the project “WEMAN and Gender & HIV/AIDS Mainstreaming” since October 2011. Practicing GALS has been one of the components of this project.

Project duration : 1st January 2013 to 30th September 2013


Objectives :

• To replicate GALS methodology in Bangladesh context through selected MFIs/ NGOs in Bangladesh initially as a pilot basis.

• To improve the livelihoods and increase life choices and happiness of the beneficiaries of the participating NGOs/ MFIs through economic and social development.

• To develop ownership on GALS tools and after the pilot phase MFIs / NGOs can continue the process as a mainstreaming program.

• To advocate the process (GALS) and provide assistance in case of different stakeholders interest.

• To develop the WEMAN network in Bangladesh through INAFI where the partner NGOs will share the GALS experiences among them. Finally advocate and promote the WEMAN process among other stakeholders.

Financial Partner : INAFI Bangladesh

Working Areas : Daudkandi upazila of Comilla district.

Targeted Beneficiaries : low income and vulnerable groups of women.

Major activities & achievements :

ToT: 5 no’s of staff received TOT from INAFI Bangladesh on GALS.

Monitoring and process documentation : After receiving TOT from INAFI Bangladesh GALS facilitator team conducted 2no’s of Monitoring and process documentation along with reports as per guideline. As per guideline Training & planning meeting reports submitted. Also other relevant information collected during follow up meeting with the community participants.

Field level group meeting : 72 group meetings have been held with the selected members of GALS. In those meeting we revisit Gender Justice Diamond, Empowerment mapping and Vision Journey session, Problem and solution tree, personal competencies and opportunity. In those follow up meeting participants shared the progress of their own Action plan. They also shared their opinion, challenges and discussed their way forward strategies.

Busness planning training : During the reporting period 3 batches of four days field level training on Busness plan have been held & where 36 beneficiaries actively participated. All participants implementing IGA based on their action plan.

Refreshers training : During the reporting period Refreshers Busness planning training have been held where 42 women participated. All participants enjoyed these training and they are committed to implement IGA based on their action plan.

Field level planning meeting : During the period 3 batches two days field level planning meeting have been held where 43 existing beneficiaries develop 2nd year action plan based on their 1st year action plan in 3 groups. In these planning meeting we revisit Gender Justice Diamond, Empowerment mapping and Vision Journey session, Problem and solution tree, personal competencies and opportunity.

Counseling and Awareness Building Session : 6 no. of counseling and awareness building session have been held along with the husbands or other male member of GALS participants family.

Primary Health Care ProgramUDDIPAN has been implementing Primary Health Care Project with aim to create easer access to Primary Health Care support for poor people covering Bagha and paba Upazali under Rajshahi district with financial and technical assistant by Anukul Foundation (AF) and Management Development Foundation (MDF). Now 3rd phase of the project going on. UDDIPAN’s Micro credit clients and their family members are the primary target group of the project. Through this project following services have been provided - a) Anti Natal Care and Post Natal Care, b) Safe delivery c) Neonatal and Child Health Care, d) Treatment for normal patients, e) Provide counseling and motivational support for poor community people of working area. f) Arrange community based satellite clinics & building linkage with local health centers.


The objectives of the project are- To achieve the National Millennium

Development Goal no 1, 4 and 5. To reduce child and maternal mortality

rates. To ensure safe delivery in the targeted

households. Develop linkage & liaison among the local

govt./non-government health service delivering organizations/agencies

To achieve the objectives the major activities have been implemented during the reporting period.

1. Service delivery :• Treatment and Advice• Safe Delivery• Referral service( For critical case)• Counseling

2. Education For Protection :• EPI (Expended program of Immunization)• Health Education ( First Aid)• Food. Vitamin and Nutrition• Primary Treatment for any accident• ARH (Adolescent Reproductive Health)

3. Develop Awareness :• Issue based Meeting (Personal Hygiene.

ANE- and PNE. Sanitation, Nutrition ,safe water.

• Reproductive Health

4. Advocacy :• Child Marriage• Family Planning Method• Project orientation with local Health

Complex For ensuring proper services, one Medical Assistant and Two Community Based Skilled Birth Attendants (CBSBA) are working in the respective areas. During the period 661 pregnant mothers, 375 malnourish children and 2936 general patients have received services. Among them 109 patients have referred for higher treatment. Total 298 number of issues based health education meeting have been organized where 4372 mothers participated.

SUCHALAUDDIPAN has been implementing SUCHALA project with objective to enroll and continuing basic education of poor school dropout children in Boalia, Paba, Mohanpur and Bagha upazila in Rajshahi district with the assistance of Anukul Foundation .SU-CHALA is a program for poor children who are unable to continue their education due to their family crisis. Especially poor women headed family is selected for this program. The Major objective of the SUCHALA project is to ensure basic education for the poor working children by providing monthly scholarship.

Major Activities :

Providing Monthly Stipend :

A total of 32 poor children are selected for this program. During the reporting period 32 children received stipend 400/= per month as education cost like purchase their books, pen, school dress and other necessary material for their school.

Conducted Half Yearly Guardian Meeting :

The objective of the guardian meeting is to motivate guardians for taking extra care of their children regarding their education. The

guardian meeting was held with six monthly basis. During the reporting 1 guardian meeting has been organized where participated relevant govt. officials, guardian, local government official , local elite and students. The meeting was chaired by the district commissioner (DC). In this meeting guardians were shared their children performance both in school and at home and face any problem.

Monitoring and Follow-up :

Respective project officials are regularly monitoring the students learning progress and others project activities through physical visit and report checking and provide necessary & appropriate suggestion for improvement.


Knowledge, Potential & Capacity Building Programs UDDIPAN Training Division

Information & Technology

Information, Communication and Research

Administration Division

UDDIPAN Training DivisionHuman Resource Development (HRD) is an integral part of any organization particularly for the Development Organization; those are working for the emancipation of poverty, exploitation, and discrimination from the society. HRD has different approach and modalities for the capacity building of staff and beneficiaries of which training is significant one. Training Division has a pivotal role to play over building a competent team within the organization who will be determined to discharge their duties with full commitment. In this connection may act as a starter for enlightening the knowledge and positive attitude among the participants aiming to develop competency through practicing in professional life and thus contribute as a productive and effective human resources in the development sector.

The UDDIPAN Training Division (UTD) is responsible for capacity building and professional development of UDDIPAN staff and the program participants as human resource through a wide range of training, orientation and exposure initiatives. UTD plays a significant role in developing new need based training courses for UDDIPAN programs. It takes special initiative to review and upgrade the existing modules and materials. Creating the opportunity for enhancing knowledge, skills and attitude of UDDIPAN staff is a key priority of UTD aiming to a better competency development that would contribute in achieving the vision, mission and goal of UDDIPAN. Diversified internal training initiatives such as Foundation training, Staff Development and Project Management raining, Accounts and Financial Management, Saving and Micro Credit Management, Micro Enterprise Management Training, Right Based Management, gender in reproductive health, adolescent skills development, small business analysis, promotion of sales skills and computer literacy are arranged for male and female staff. UTD has also been instrumental in disseminating organizational culture and values among the staff of UDDIPAN.

Goal of UDDIPAN Training DivisionThe overall goal of the UDDIPAN Training Division is to improve the management competencies of development practitioners

and to enhance the human and operational skills of beneficiaries and program participants as resource for contributing in achieving the vision and mission of UDDIPAN

The specific objectives of the Training are the following :

• To develop and provide training courses for UDDIPAN’s development practitioners and program participants;

• To develop the capacities of other NGOs by providing need-based professional management training;

• To extend appropriate support and facilities to other organizations to organize training, seminars and conferences;

Training Principles :

UTD training courses aim to utilize a variety of training methodologies following some basic principles in order to maximize participation and to facilitate an effective learning process. The methodologies are based on the andagogical principles of :

• learner-centered

• problem focused

• goal oriented

• life oriented

• need oriented/based

• experience based

• flexibility in nature

• Participatory in nature

• Reciprocal learning attitude

• Mutual respect

• Mutual cooperation

91Knowledge, Potential & Capacity Building Programs

Training Methodology :

UTD intends to make the session more participatory, interactive and enthusiastic/ attractive. The following participatory and experiential training methodologies are used to effectively facilitate different training contents. The methods are Brainstorming, Group Discussion (Hum, Buzz, Small and Large), Question-Answer, Case Study, Role Play, Focus Group Discussion(FGD), Fish Bowl, Group Exercise, Field Trip, Peer Learning, SWOT, Gallery Presentation, Field Trip, Study Circle,, Management Game, Mobile Plenary, Walk about, Pick and Speak, Lecture Followed by Discussion, Structured Experience, Demonstration, Miniversity, Simulation Game, Seminar and Workshop. Some new methodologies like VIPP, ZOPP, and PRA have further enriched UDDIPAN’s training programs. The UDDIPAN Training Division follows the Quality Action Learning (QAL) approach.

Use of Training Materials and Aids:

Training materials both audio and visual plays a fundamental role in training facilitation aiming

to create a congenial learning environment towards achieving the objective/s and goal of the training course. Considering the significant importance of training materials UDDIPAN Training Division (UDT) furnished with the required training materials and Audio-Visual Aids.

Major Tasks of UDDIPAN Training Division

a) Determine training needs

b) Develop training curriculum, module and materials

c) Organize and implement training program

d) Periodical review of training module and materials

e) Evaluate the impact of training

Faculty

Some twenty trainers with long outstanding field experience are working in UDDIPAN Training Division. Of them five are female.

UDDIPAN Training Division generally recruits faculty members from the UDDIPAN programs having at least two years of practical experience.

92 Knowledge, Potential & Capacity Building Programs

List of Training of MFP

For Name of the courses for the staff

UDDIPAN1. Foundation Training2. Savings & Credit Operation 3. Micro Enterprise Management and Lending4. Operational Management Course on MFP5. Basic Book keeping and Accounting Management Training6. Staff & Programme Management Training

PKSF1. Training Course on Accounts & Financial Management2. Group Dynamic, Savings & Microcredit Management3. Training Course on Micro Enterprise Management and Lending4. Training Course on Savings & Microcredit Management5. Training Course on Micro Enterprise (ME) and Small & Medium Enterprise (SME)6. Training Course on Implementation of PRIME Program and Microcredit Management

InM1. Basic Book keeping & Accounting Management.2. Microfinance Operations and Management

BNF1. Training Course On Monitoring & Evaluation2. Accounts and Financial Management Course3. msMVb Dbœqb I eë¯’vcbv welqK cÖwk¶Y

Total 17 courses


Progress of Training

Sl. Division/ Batch Target Achievement Number of Total Training TrainingNo. Programme / Participant Providing Venue Project/ Male Female Organization Organization

A Staff Training

01 Micro Finance 68 810 808 721 87 808 UDDIPAN UDDIPAN Programme Training Centre

02 PKSF Partners’ 09 222 200 189 11 200 UDDIPAN UDDIPAN Training Centre

03 InM Partners 06 150 145 145 - 145 UDDIPAN UDDIPAN Training Centre

04 Organization and 01 25 25 25 - 25 UDDIPAN UDDIPAN Management Training Development Centre Training for BNF Partners

Sub Total 84 1207 1178 1080 98 1178

B Group Member Training

04 Programmed 80 2000 2000 400 1600 2000 UDDIPAN Branch Initiatives for Monga Office Eradication (PRIME-3)

05 Programmed 105 2625 2625 - 2625 2625 UDDIPAN Branch Initiatives for Monga Office Eradication (PRIME-1)

06 Tailoring Training 84 1980 1436 958 478 1436 UDDIPAN Branch RUCMP Office

07 Technical & Vocational 03 45 45 45 - 45 UDDIPAN Branch Education and Training Office of PRIME Project

08 Technical &Vocational 03 45 45 35 10 45 UDDIPAN TVET Education and Training CENTER of TVET Project

09 Micro Finance 20 480 465 175 290 465 UDDIPAN Branch Programme Office (AMC&SLP)

10 Tailoring Training 06 150 150 - 150 150 UDDIPAN Branch UJJIBITO Office

Sub Total 301 7325 6766 1613 5153 6766


Cumulative Training Report Till June 2014

Particulars Beneficiaries Staff Beneficiaries & Staff No. of Beneficiaries Cumulative till No. of Staff Cumulative till Cumulative till July 2013-June 2014 June 2014 July 2013-June 2014 June 2014 June 2014 Target (Achievement) (Achievement) Target (Achievement) Achievement Achievement Male Female Total Male Female Total Male Female Total Male Female Total Male Female TotalHuman 1980 958 478 1436 35585 39975 65560 1207 1080 98 1178 9812 1110 10922 45397 31085 76482DevelopmentTraining (HDT)Skill 5345 655 4675 5330 1086 47334 48420 - - - - 1105 123 1228 2191 47457 49648DevelopmentTraining (SDT)

Grand Total 7325 1613 5153 6766 36671 87309 113980 1207 1080 98 1178 10917 1233 12150 47588 78542 126130

Training ReportJuly 2013 – June 2014

Sl. Division/ Batch Target Achievement Number of Total Training TrainingNo. Programme/ Participant Providing Venue Project/ Organization Organization Male Female

A Staff Training01 Micro Finance 68 810 808 721 87 808 UDDIPAN UDDIPAN Programme Training Centre02 PKSF 09 222 200 189 11 200 UDDIPAN UDDIPAN Training Centre03 InM 06 150 145 145 - 145 UDDIPAN UDDIPAN Training Centre04 BNF 01 25 25 25 - 25 UDDIPAN UDDIPAN Training Centre Total A 84 1207 1178 1080 98 1178B Group Member Training 04 Programmed Initiatives 80 2000 2000 400 1600 2000 UDDIPAN Branch Office for Monga Eradication (PRIME-3)05 Programmed Initiatives 105 2625 2625 - 2625 2625 UDDIPAN Branch Office for Monga Eradication (PRIME-1)06 Vocational 03 45 45 45 - 45 UDDIPAN Branch Office Training (PRIME)07 Vocational 03 45 45 35 10 45 UDDIPAN TVET Training(TVET) CENTER08 Micro Finance 20 480 465 175 290 465 UDDIPAN Branch Office Programme (AMC&SLP)09 UJJIBITO 06 150 150 - 150 150 UDDIPAN Branch Office Sub Total 217 5345 5330 655 4675 5330 10 RUCMP 84 1980 1436 958 478 1436 UDDIPAN Branch Office Total B 301 7325 6766 1613 5153 6766 Total A + B 385 8532 7944 2693 5251 7944


Information Technology (IT) Department :The IT revolution during the 1990s bought about lots of merits as well as demerits of mankind. It dramatically changed people’s lives and ways of thinking due to its extraordinary nature, especially the transcendence of time, place and social status. It revolution implies individual can participate in cyberspace, allows one to step over time and location by Internet, traditional business hierarchies are disappearing when faced with the reality of electronic data interchange (EDI). Moreover, from the enterprise point of view, object changes from cost minimization to customer satisfaction. A great volume of information can be instantaneously transmitted through the internet.

Information and communication technologies (ICT) can allow MFIs to lower the cost of loan administration, and thus, offer more affordable and flexible loan products to clients. In addition, ICT can also help MFIs to expand their service coverage by providing logical, strategic and analytical support.

Information Technology (IT) plays an increasingly important role in facilitating the introduction of new products or services, in improving operational services, and in guiding managerial decision-making.

A Microfinance institution can only realize economic benefit from computerization if it manages its IT resources effectively. Effective ICT utilization, appropriate applications and individually tailored solutions can create opportunities and thus ICT can play a substantial role to address a number of goals in the development agenda.

UDDIPAN IT hierarchy services was chosen for investigation of ICT in microfinance institutions because it examined IT management, based service delivery, and platform of information technology in an organization. These are as follows:

1) Applications infrastructure

2) Communications

3) Data management

4) IT management

5) Security

6) Architecture and standards

7) Channel management

8) IT research and development

9) IT education

UDDIPAN amalgamate a fully integrated Management information system application software with full equipped Data Center(Servers, Storages, Switches, routers etc.)are some of the technologies that can facilitate UDDIPAN Office operation. These technologies allow employees to more efficiently serve their clients by reducing paper work, increasing accessibility to information and finally simplify computations of complex analyses. The above cutting-edge technologies that have been used by microfinance institutions are described as:

Micro-Finance Information Systems (MFIs)–through well-defined MIS, MFIs can access or analyze information more efficiently for better decision-making, operations management, and product development. Some of the features expected from MIS include: access control and security (i.e. passwords, audit trails), loan functionality (processing different types of loans with changing repayment periods and interest rates), deposits


12

ANNUAL REPORT

28 Years of Services to the People

UDDIPAN in 2011-12

AdministrationA full-fledged Administration Division as a backbone of the organization includes general office management, acquisition and disposal of assets, procurement, proper utilization of resources & Services following standardize procurement process guided by the policy and relevant regulations. The policy and regulations is maintained similarly both Head office & field offices as Presented below :

Process :

• Provide access to Procurement Policy, regulations, guidelines, information to prompt smooth running of procurement process

• Administer consistent procurement best practices across the organization such as both for Head office & field offices

• Selection of a appropriate method guided by the Policy for shortening time to procure goods, works & services. Encourage peaceful supplier competition to meet quality and cost objectives.

• Keep eyes on spending money and compliance with the policy.

Resource : Equipment ( i.e. Computer, Photocopier), Vehicle, Furniture, Fixture, stationary, lift, Generator etc.

Services : Accommodation , Electricity, Gas, Water, Logistics, maintenance, Security, Discipline, Utilization of service staff, dispatch, Food (Canteen) etc.

The Administration undertakes the following activities

• General Office Management

• Procurement of goods, works and services

• Inventory & Assets Management

• Vehicle Management

• Maintenance of services/ Logistics like electricity, water, gas, telephone, fax, lift, generator, IPS etc.

• Canteen Management

• Protocol included Front Desk management

A number of strategies are pursued to accomplish the tasks of Administration. the major ones inter alia, are : Planning, Review of progress & problems regularly (Weeks/ monthly), job specification, vehicle management, canteen management, maintenance of services/ logistics like electricity, water, gas, lift, generation, computer & so on.

One of the important/major task of Administration is procurement of goods, works and services. During the year 2013-2014 Admin has done above jobs which are follows:

The objective of this department is to empower the targeted program participants including communities, development organizations and partners, members of both electronic and printing media and civil society through meeting, workshop, sharing session, consultation, small group discussion, seminar etc. Moreover, one of the major objectives is to conduct research works and survey as deems necessary by the organization and programs as well. In addition this department performs all the internal over and above external communications of the organization. This department has exclusively been involved in publishing various types of Information, Education & Communication (IEC) materials which includes annual report, different kinds of donors’ reports, research report, baseline survey reports, information booklet, posters, leaflets, information folder, training manuals, sticker, action plan, guideline, brochure, newsletters etc. Such activities have encouraged the printing media to publish a number of features and success stories of

UDDIPAN and interview of the relevant staffs including the CEO. This also invites electronic Medias to organize a number of talk-show where UDDIPAN attended as discussant and some cases anchored the events that reinforced the confidence and commitment of staff members, target beneficiaries including children and adolescents and people in general.This Department has also been playing important roles in responding to different EoIs, preparing and developing different proposals and concept notes, producing different write-ups on development. Organizational documentary, project documentary are also produced with the direct intervention of this department. It is worthwhile to mention that this department is also held responsible for external resource mobilization, maintain contact with govt. machineries, donors, media, bi-lateral and multi-lateral organizations, other civil society organizations etc.

Information, Communication & Research Department

functionality (including access for the user to the interest rates, fees and penalty charges), report generation and database query/analysis capacity (i.e. loans profile by gender and risk, credit scoring, etc)

Financial Information Systems (FIS) – FIS can access or analyze financial information more efficiently for better decision-making, cost budgeting and cost center management.

Human Resource Management (HRM) Module–this module integrates Employee Management, Employee attendance and leave

management, salary management and KPI (Performance Appraisal).

Admin Module (AM) – AM for maintaining Inventory of all fixed asset of Head office and all branch offices.

Already 50 branches have been automated by the UDDIPAN Automation project team where, UDDIPAN IT took lead to fulfill the Project goal. This process is running in full swing to bring all branch offices as an automated branch integrated with Head Office in near future.


AdministrationA full-fledged Administration Division as a backbone of the organization includes general office management, acquisition and disposal of assets, procurement, proper utilization of resources & Services following standardize procurement process guided by the policy and relevant regulations. The policy and regulations is maintained similarly both Head office & field offices as Presented below :

Process :

• Provide access to Procurement Policy, regulations, guidelines, information to prompt smooth running of procurement process

• Administer consistent procurement best practices across the organization such as both for Head office & field offices

• Selection of a appropriate method guided by the Policy for shortening time to procure goods, works & services. Encourage peaceful supplier competition to meet quality and cost objectives.

• Keep eyes on spending money and compliance with the policy.

Resource : Equipment ( i.e. Computer, Photocopier), Vehicle, Furniture, Fixture, stationary, lift, Generator etc.

Services : Accommodation , Electricity, Gas, Water, Logistics, maintenance, Security, Discipline, Utilization of service staff, dispatch, Food (Canteen) etc.

The Administration undertakes the following activities

• General Office Management

• Procurement of goods, works and services

• Inventory & Assets Management

• Vehicle Management

• Maintenance of services/ Logistics like electricity, water, gas, telephone, fax, lift, generator, IPS etc.

• Canteen Management

• Protocol included Front Desk management

A number of strategies are pursued to accomplish the tasks of Administration. the major ones inter alia, are : Planning, Review of progress & problems regularly (Weeks/ monthly), job specification, vehicle management, canteen management, maintenance of services/ logistics like electricity, water, gas, lift, generation, computer & so on.

One of the important/major task of Administration is procurement of goods, works and services. During the year 2013-2014 Admin has done above jobs which are follows:

The objective of this department is to empower the targeted program participants including communities, development organizations and partners, members of both electronic and printing media and civil society through meeting, workshop, sharing session, consultation, small group discussion, seminar etc. Moreover, one of the major objectives is to conduct research works and survey as deems necessary by the organization and programs as well. In addition this department performs all the internal over and above external communications of the organization. This department has exclusively been involved in publishing various types of Information, Education & Communication (IEC) materials which includes annual report, different kinds of donors’ reports, research report, baseline survey reports, information booklet, posters, leaflets, information folder, training manuals, sticker, action plan, guideline, brochure, newsletters etc. Such activities have encouraged the printing media to publish a number of features and success stories of

UDDIPAN and interview of the relevant staffs including the CEO. This also invites electronic Medias to organize a number of talk-show where UDDIPAN attended as discussant and some cases anchored the events that reinforced the confidence and commitment of staff members, target beneficiaries including children and adolescents and people in general.This Department has also been playing important roles in responding to different EoIs, preparing and developing different proposals and concept notes, producing different write-ups on development. Organizational documentary, project documentary are also produced with the direct intervention of this department. It is worthwhile to mention that this department is also held responsible for external resource mobilization, maintain contact with govt. machineries, donors, media, bi-lateral and multi-lateral organizations, other civil society organizations etc.


Major activities accomplished during this FY:2013-2014

Sl. No. Particulars Budget Expenditure Status

A. Procurement

01 37 nos. Motor Cycle purchased for MFP, SGSP and TVET project 854,000 4,778,265

02 Diary, Note book, Annual Report, greetings card printed & distributed 1,157,500 1,092,115

03 Different Forms & Books are printed & distributed to all branches 6,318,152 5,805,032

04 Stationary, Entertainment & Toiletries yearly purchased 960,000 936,000

05 Umbrella, mug, T-shirt purchased for Rural Urban Child Migration Project 858,800 817,800

06 Printing publications for different project 190,000 155,000

07 Digital banner, poster & leaflet printed and distributed to field offices 308,900 188,100

08 10 nos. AC set up for 1st floor, all Deputy Director’s room and training centre 1,530,000 1,227,393

09 57nos. of Laptop, 11nos.of Desktop & 02nos. of 2,876,500 2,817,920 Multimedia purchased for H/O staff

10 02nos. Photocopier purchased & installation 240,000 240,000

11 05nos. advertisement circulated at daily newspaper 304,108 284,479

12 Kit box purchased and distributed to branch offices for PRIME project 152,000 144,457

13 2715 set Solar home lighting systems purchased 38,475,929 38,475,929 at 8 lot for Green Energy project

Sub total 56,962,490

B. Land Purchase

1 14 decimal land & land development cost at Rangpur 12,000,000 8,681,835

Sub Total 8,681,835

C. Construction & Renovation

1 A safety truss made for dismantling works, RCC and construction 2,716,920 1,566,492 works of Head office building expansion

2 Rod, cement & brick purchase for RCC works 2,356,821 1,150,428

3 Earth filling at Gobindapur branch office 1,727,500 1,113,525

4 Foundation, Great veem, column RCC roof slab works at 4,000,000 1,017,219 Gobindapur branch office

5 Road construction, boundary wall and renovation 890,000 874,376 works done at Kathalbari

6 Boundary wall and earth filling at Rangpur 1,650,000 1,279,985

7 A fencing of varbed ware was given at Pachgachi of Kurigram 129,886 129,886

8 Outside and inside of building and boundary wall 700,000 585,072 painting works at Bheramara

9 Outside and inside of building and boundary wall painting 424,240 424,240 works and renovation at Allardarga

Sub Total 8,141,223

Grand Total: (A+B+C) (56,962,490+8,681,835+8,141,223)= Tk.73,785,548


Stakeholder Information Information relevant for Stakeholders & other users of Financial

Statements

Graphical Presentation

Segment Analysis

Five Years Summery - Financial Statement - General Information

Project Performance

Statement of Value Added

Information relevant for Stakeholders & other users of Financial Statements

Financial Source Amount in Million BDT

Particular 2013-2014 2012-2013 2011-2012

Taka % Taka % Taka %

Equity/Net Worth 676 12.70% 545 13.57% 322 10.18%

Clients Deposits 1690 31.76% 1,323 32.95% 1,051 33.24%

Borrowings 2956 55.54% 2,148 53.48% 1,789 56.58%

Total 5323 100.00% 4,016 100.00% 3,162 100.00%

Growth Rate 32.53% 27.01% 14.32%

60%

50%

40%

30%

20%

10%

0%

Equity/Net Worth

Clients Deposits

Borrowings

2013-2014 2012-2013 2011-2012

101Stakeholder Information

Graphical PresentationIncome (Tk. in Million) Return on Assets (%)

Expenses (Tk. in Million) Cost-Income Ratio (%)

Excess of Income over Expenditure (Tk. in Million)

Return on Equity (%) Deposits (Tk. in Million)

Donation & Grants (Tk. in Million)

1200

1000

800

600

400

200

02013-20142009-2010 2010-2011 2011-2012 2012-2013 2013-20142009-2010 2010-2011 2011-2012 2012-2013

2013-20142009-2010 2010-2011 2011-2012 2012-2013 2013-20142009-2010 2010-2011 2011-2012 2012-2013

2013-20142009-2010 2010-2011 2011-2012 2012-2013 2013-20142009-2010 2010-2011 2011-2012 2012-2013

2013-20142009-2010 2010-2011 2011-2012 2012-20132013-20142009-2010 2010-2011 2011-2012 2012-2013

1000900800700600500400300200100

0

95%

90%

85%

80%

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120

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180160140120100806040200

50454035302520151050

4.00

3.50

3.00

2.50

2.00

1.50

1.00

0.50

0

509 580

677

834

1,0543.36

1.55

2.84

1.97

2.55

434544 589

666

920

85%

94%

87%

80%

87%

48

19

30

17

24690

8761051

1323

1690

75

36

89

167

134

73

31

59

84

109

102 Stakeholder Information

Graphical Presentation

5,0004,0003,5003,0002,5002,0001,5001,000

5000

12

10

8

6

4

2

0

0.090.080.070.060.050.040.030.020.01

0

450400350300250200150100500

220215210205200195190185180

3,000

2,500

2,000

1,500

1,000

500

0

3,500

3,000

2,500

2,000

1,500

1,000

500

0

876543210

Loan to Clients (Tk. in Million) Number of Branches

Debt Equity Ratio (%) Cost per Loan Made

Cost per Money Lent (Per Tk.) Income per Loan Made

Number of Clients (in Thousand) Portfolio at Risk (%)

2013-20142009-2010 2010-2011 2011-2012 2012-2013 2013-20142009-2010 2010-2011 2011-2012 2012-2013

2013-20142009-2010 2010-2011 2011-2012 2012-2013 2013-20142009-2010 2010-2011 2011-2012 2012-2013

2013-20142009-2010 2010-2011 2011-2012 2012-2013 2013-20142009-2010 2010-2011 2011-2012 2012-2013

2013-20142009-2010 2010-2011 2011-2012 2012-2013 2013-20142009-2010 2010-2011 2011-2012 2012-2013

2,0532,397

2,902

3,714

4,654

196

201

219 219 220

10.86 10.70

8.83

7.24 6.971,754

2,1582,196 2,271

2,733

0.07

0.080.09

0.06

0.08

2,0852,331

2,6222,842

3,136

272 292342

369408

4.67

7.43 7.83

6.57

4.73


Financial SummaryRevenue Income

In 2013-2014 total Income increased by 26.33% to Tk 219.67 million in comparision 2012-2013

Revenue Expenditure In 2013-2014 total Expenditure increased by 37.98% to Tk 253.26 million in comparision 2012-2013

Grants Composition (Donor Wise)

Grants

Service Charge Income

Interest on Term Deposit

Bank Interest

Operating Expenses Financial Expenses

Loan Loss Provision Expenses (LLPE) Disaster ManagementFund Expenses (DMFE)

PKSF

INAFI

SCI

Anukul Foundation

INAFI2.94%

AnukulFoundation

0.56%

Grants

Service Charge Income

Interest on Term Deposit

Bank Interest

Operating Expenses Financial Expenses

Loan Loss Provision Expenses (LLPE) Disaster ManagementFund Expenses (DMFE)

PKSF66.48%

Income 2013-2014Total Tk. 1,053.99 million

Expenditure 2013-2014Total Tk. 920.09 million

Income 2012-2013Total Tk. 834.16 million

Expenditure 2012-2013Total Tk. 666.84 million

2013-2014Total Tk. 92.77 million

SCI30.01%

PKSF

INAFI

SCI

Anukul Foundation

INAFI1.59% Anukul

Foundation0.56%

PKSF51.66%

2012-2013Total Tk. 83.78 million

SCI46.18%

Grants10.35%

Service ChargeIncome87.86%

Interest onTerm Deposit

1.49%

BankInterest0.29%

Grants10.09%

Service ChargeIncome88.10%

Interest onTerm Deposit

1.59%

BankInterest0.23%

Loan LossProvision Expenses

(LLPE)4.21%

Disaster ManagementFund Expenses (DMFE)

0.97%

OperatingExpenses66.47%

FinancialExpenses28.34%

Loan LossProvision Expenses

(LLPE)4.60%

Disaster ManagementFund Expenses (DMFE)

1.09%

OperatingExpenses64.74%

FinancialExpenses29.57%


Amount in Million BDT

Assets Composition 2013-2014 2012-2013 2011-2012

Taka % Taka % Taka %

Property, Plan & Equipment 172 2.92% 134 3.05% 59 1.68%

Loan Portfolio 4,654 78.95% 3,714 84.39% 2,902 82.87%

Fixed Deposit 303 5.13% 181 4.10% 131 3.74%

Other current assets 98 1.66% 100 2.27% 89 2.54%

Cash & Bank balance 668 11.34% 272 6.19% 321 9.17%

Total 5,894 100.00% 4,400 100% 3,502 100%

Growth rate 33.95% 25.65% 19.28%

2013-2014

2012-2013

2011-2012

Property, Plant& Equipment

LoanPortfolio

FixedDeposit

OtherCurrent Assets

Cash & BankBalance

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%


Five Years Summery- Financial StatementAs would be evident from the report, UDDIPAN has been implementing multiple program since its inception for which it is receiving fund, grants & soft loan from a number of organization. The financial status of the organization for the year ended June 2014 may be glanced below :

United Development Initiatives for Programmed Actions (UDDIPAN)Comparative Statement of Financial Position (Five Years)

as on June 30 Amount in Tk.

PARTICULARS Financial Year

2009-2010 2010-2011 2011-2012 2012-2013 2013-2014

PROPERTIES & ASSETSNon-Current Assets Property, Plant and Equipment 88,108,394 107,268,092 119,803,394 134,453,912 172,106,382Investment - - - 1,000,000 1,900,000Loan to Clients 7,319,585 67,673,507 192,644,539 138,390,176 166,381,044Other Loans 11,900,540 10,832,244 18,127,595 11,214,560 26,575,168 Total Non- Current Assets 107,328,519 185,773,843 330,575,528 285,058,648 366,962,594Current Assets Loan to Clients 2,045,284,388 2,329,791,904 2,709,395,319 3,575,304,626 4,487,173,064 Term Deposit 48,000,000 209,000,000 147,000,000 180,600,000 302,600,000 Inventories 366,383 4,075,250 2,734,985 13,116,326 22,647,001Other Loans 21,086,609 5,148,279 13,101,953 27,111,489 16,899,749Accounts Receivable 3,011,865 7,693,745 22,126,477 44,314,389 50,523,606Deposits & Repayment 197,690 22,062,112 29,373,872 42,358,752 24,745,575Cash and cash equivalents 229,644,093 291,718,220 367,548,593 272,301,195 668,133,711Total Current Assets 2,347,591,028 2,869,489,510 3,291,281,198 4,155,106,777 5,572,722,706 Total Properties & Assets 2,454,919,547 3,055,263,353 3,621,856,726 4,440,165,425 5,939,685,300CAPITAL & LIABILITIES Capital : Cumulative Surplus 244,490,844 280,236,790 349,181,814 495,980,777 614,109,181Reserve Fund - - 32,501,349 48,979,780 61,861,542Loan Loss Provision (LLP) 74,312,529 156,980,565 228,414,841 185,914,351 224,661,854Disaster Management Fund (DMF) 12,878,557 18,289,062 24,288,733 31,583,474 40,544,328Total Capital Fund 331,681,930 455,506,417 634,386,737 762,458,382 941,176,905Non- Current Liabilities Term Loan 702,178,556 624,744,965 694,273,794 860,765,856 1,228,267,139Clients Deposit 271,050,011 357,913,067 2,264,129 104,125,695 207,933,857Staff Welfare Deposit 1,465,900 5,550,200 8,608,390 9,664,667 20,950,380Staff Gratuity Fund 29,155,976 44,049,780 56,060,500 62,048,070 97,293,593Motor Cycle Replacement Fund 5,206,858 4,279,938 4,459,658 4,582,515 4,922,520 Total Non- Current Liabilities 1,009,057,301 1,036,537,950 765,666,471 1,041,186,803 1,559,367,489 Current Liabilities Term Loan 651,586,195 984,793,359 1,094,681,666 1,287,120,109 1,727,905,103Clients Deposit 418,978,729 518,107,673 1,048,611,771 1,219,119,444 1,482,522,718Client's Micro Credit Insurance Fund 22,506,678 34,692,501 49,706,975 88,528,280 182,564,372Other Loan 966,326 1,062,128 1,240,439 1,235,842 44,976Accounts Payable 545,156 1,614,408 2,872,003 10,578,479 12,169,179Provisions 377,699 1,000,000 283,301 1,082,593 152,975Staff Security Deposit 6,769,192 7,340,448 7,451,647 7,814,947 8,378,447Staff Welfare Fund 6,622,197 8,701,991 10,777,542 12,218,533 13,814,865Other liabilities 5,828,144 5,906,478 6,178,175 8,822,013 11,588,271 Total Current Liabilities 1,114,180,316 1,563,218,986 2,221,803,518 2,636,520,240 3,439,140,906 Total Capital & Liabilities 2,454,919,547 3,055,263,353 3,621,856,726 4,440,165,425 5,939,685,300


United Development Initiatives for Programmed Actions (UDDIPAN)Comparative Statement of Comprehensive Income (Five Years)

For the year ended June 30 Amount in Tk.


2009-2010 2010-2011 2011-2012 2012-2013 2013-2014Income:Service Charge Income 411,227,860 521,151,394 603,355,976 734,859,304 925,943,646 Bank interest 325,801 453,598 1,618,680 1,886,786 3,069,604 Interest on Term Deposit 7,403,346 2,459,751 13,295,436 13,268,308 15,697,602 Others Income 15,133,746 21,784,490 - - 148,600 Sales of Plants 122,180 122,035 - - - Income from Hostel 1,471,053 2,856,356 - - - Profit on sale of assets - - - - 13,251 Grants 73,422,407 30,817,101 58,898,670 84,140,892 109,117,193 Total Income 509,106,393 579,644,725 677,168,762 834,155,290 1,053,989,896ExpenditureFinancial Expenses :Interest On Term Loan 73,645,166 94,952,104 106,284,709 139,020,564 188,441,216 Interest on Clients Deposit 19,351,079 25,726,863 42,334,820 55,865,886 70,637,699 Bank charges & commission 1,699,669 1,988,514 2,330,740 2,268,939 1678027Total Financial Cost 94,695,914 122,667,481 150,950,269 197,155,389 260,756,942Operating ExpensesSalary & Benefits 214,917,891 272,075,871 291,747,482 316,051,318 448,580,845 Office rent 17,439,075 16,469,745 11,140,321 18,637,418 21,419,115 Travelling & Transportation 14,814,335 14,324,572 17,115,259 18,846,372 22,629,924 Printing, Stationeries & Supplies 7,191,659 5,183,984 7,352,815 5,544,171 9,453,749 Utilities 4,574,010 5,126,706 5,932,973 7,249,128 10,667,352 Repair & Maintenance 2,432,050 2,303,634 3,201,525 3,241,761 3,553,041 General Expenses 1,403,962 1,970,424 1,722,057 1,503,104 1,571,290 Training & Development Expenses 25,992,713 13,408,366 19,226,202 32,522,070 37,386,470 Entertainment 657,469 717,099 1,339,987 1,639,565 1,760,329 Postage & Telegram 149,163 179,166 227,479 360,917 323,580 Professional Fees 407,850 1,029,389 2,302,454 1,339,897 474,000 Membership Fees 9,900 163,300 221,400 221,950 262,400 Recruitment Expenses 161,785 351,568 108,778 90,692 20,105 Promotional Activities 415,241 293,426 139,345 819,856 478,660 Staff Materials 437,758 351,944 427,983 566,769 692,223 Audit fees 192,500 261,384 241,575 173,250 257,500 Training Material Expenses 161,615 253,310 54,578 195,255 111,467 Material Support to Beneficiary 4,827,483 - 1,843,192 8,924,991 13,545,362 Program Materials Expenses 1,741,428 1,413,156 495,599 755,106 6,218,410 Infrastructure Development Expenses 1,456,214 - 2,135,000 - 3,699,430 Capacity Building Reserves Expenses - - - 286,095 636,842 Return on Assets - 39,752 - - - Loss on Goods Damaged - 2,579 5,754 - - Legal Expenses - - - 1,632,357 1,708,931 Loss on Absorption - 906,613 53,495 - - Claim Settlement - - - 365,693 8,812,902 Covariant Risk Fund Expenses - - - - 934,677 Uncertaint Reserve Expenses - - - - 155,469 Depreciation 5,195,593 6,740,390 9,328,593 10,763,534 16,272,221 Total Operating Expenses 304,579,694 343,566,378 376,363,846 431,731,269 611,626,294 Loan Loss Provision Expenses (LLPE) 30,410,969 72,431,220 55,214,156 30,654,380 38,747,503 Disaster Management Fund Expenses (DMFE) 4,109,676 5,218,701 5,999,671 7,294,741 8,960,854 Total Expenditures 433,796,253 543,883,780 588,527,942 666,835,779 920,091,593Excess of Income over Expenditure 75,310,140 35,760,946 88,640,820 167,319,511 133,898,303


Micro Finance Program (MFP)a program of

United Development Initiatives for Programmed Actions (UDDIPAN)Comparative Statement of Financial Position (Five Years)

as on June 30

Amount in Tk.


2009-2010 2010-2011 2011-2012 2012-2013 2013-2014

PROPERTIES & ASSETSNon-Current AssetsProperty, Plant and Equipment 22,492,424 37,557,801 59,231,083 72,085,888 107,242,048Loan to Clients 982,214,899 1,287,811,574 192,644,539 138,299,062 166,381,044Other Loans 11,900,540 22,158,362 18,127,595 11,214,560 26,575,168 Total Non- Current Assets 1,016,607,863 1,347,527,737 270,003,217 221,599,510 300,198,260Current AssetsLoan to Clients 1,070,297,960 1,109,396,474 2,709,304,205 3,575,304,626 4,487,173,064Term Deposit 33,000,000 199,000,000 122,000,000 110,600,000 252,600,000Inventories - - 2,734,985 13,116,326 22,647,001Other Loans 5,343,332 10,000,892 13,101,953 27,111,489 16,899,749Accounts Receivable 2,521,772 5,750,377 20,904,174 43,378,956 44,871,150Deposits & Repayment 8,740,575 5,148,279 28,447,157 41,166,025 23,560,217Cash and cash equivalents 212,698,487 246,594,633 321,214,129 255,392,301 578,804,546Inter Project Loan 2,230,798 11,747,500 14,707,340 44,003,524 73,700,243Total Currents Assets 1,334,832,924 1,587,638,155 3,232,413,943 4,110,073,247 5,500,255,970Total Properties & Assets 2,351,440,787 2,935,165,892 3,502,417,160 4,331,672,757 5,800,454,230CAPITAL & LIABILITIESCapital :Cumulative Surplus 189,361,760 229,089,584 289,053,098 430,903,726 545,273,448Reserve Fund - - 32,501,349 48,979,780 61,861,542Loan Loss Provision (LLP) 74,312,529 156,980,565 228,414,841 185,914,351 224,661,854Disaster Management Fund (DMF) 12,878,557 18,289,062 24,288,733 31,583,474 40,544,328Total Capital Fund 276,552,846 404,359,211 574,258,021 697,381,331 872,341,172Non- Current LiabilitiesTerm Loan 919,168,754 862,335,159 694,273,794 860,765,856 1,228,267,139Clients Deposit 399,966,543 521,048,032 2,264,129 104,125,695 207,933,857Staff Welfare Deposit 248,332 - - 20,343,667Staff Gratuity Fund 4,373,396 - - -Motor Cycle Replacement Fund 150,000 - - -Total Non- Currents Liabilities 1,323,907,025 1,383,383,191 696,537,923 964,891,551 1,456,544,663Current LiabilitiesInter project Loan - 5,165,606 30,836,823 56,568,388 102,885,315Term Loan 434,595,997 747,203,164 1,094,681,666 1,287,120,109 1,727,905,103Clients Deposit 290,062,197 354,972,708 1,048,611,771 1,219,119,444 1,482,522,718Client's Micro Credit Insurance Fund 22,286,880 34,507,022 49,706,975 86,640,622 139,741,138Other Loan - 459,706 - 1,235,842 44,976Accounts Payable 10,509 505,450 2,377,734 9,620,670 10,054,291Provisions 10,382 401,015 159,640 882,930 152,975Staff Security Deposit 282,259 - 184,900 84,700 -Other Laibilities 3,732,692 4,208,819 5,061,707 8,127,170 8,261,879Total Current Liabilities 750,980,916 1,147,423,490 2,231,621,216 2,669,399,875 3,471,568,395Total Capital & Liabilities 2,351,440,787 2,935,165,892 3,502,417,160 4,331,672,757 5,800,454,230


Micro Finance Program (MFP)a program of

United Development Initiatives for Programmed Actions (UDDIPAN)Comparative Statement of Comprehensive Income (Five Years)

for the year ended June, 30

Amount in Tk. PARTICULARS Financial Year

2009-2010 2010-2011 2011-2012 2012-2013 2013-2014Income:Service Charge Income 411,227,860 521,143,266 603,355,976 734,859,304 914,566,429Bank interest 198,370 208,420 803,805 903,268 2,833,945Interest on Term Deposit 5,410,735 2,179,168 9,802,426 11,181,932 10,278,714Grants 34,330,879 15,748,292 34,161,762 43,282,297 69,090,329Others Income 8,601,628 12,847,788 - - 11,370,717Total Income 459,769,472 552,126,934 648,123,969 790,226,801 1,008,140,134Expenditure:Financial Expenses :Interest on Term Loan 73,645,166 94,952,104 106,284,709 139,020,564 80,732,612Interest on Clients Deposits 19,351,079 25,724,920 42,322,394 55,857,347 70,627,905Bank charges & commission 1,626,830 1,939,928 2,250,431 2,116,009 1,544,523Total Financial Expenses 94,623,075 122,616,952 150,857,534 196,993,920 152,905,040Operating Expenses :Salary & Benefits 196,201,215 255,197,498 280,114,496 302,294,856 433,016,100Office rent 15,086,700 15,367,245 17,005,097 20,384,723 24,080,926Travelling & Transportation 12,807,625 13,475,354 7,090,224 17,672,169 21,632,203Printing, Stationeries & Supplies 6,743,991 4,994,831 16,158,273 5,151,877 8,770,587Utilities 3,987,112 4,613,421 5,696,971 6,837,930 10,080,447Repair & Maintenance 1,948,051 1,792,888 2,936,694 3,075,943 3,408,252General Expenses 1,251,380 1,650,410 1,403,394 1,117,860 1,478,856Training & Development Expenses 14,985,064 7,575,826 12,720,041 14,350,495 21,456,244Entertainment 560,393 661,706 1,248,234 1,562,781 1,681,519Postage & Telegram 125,932 177,347 227,064 360,757 323,540Professional Fees 407,850 646,080 2,118,674 1,309,897 74,000Membership Fees 9,900 162,800 209,900 221,950 -Recruitment Expenses 161,785 351,568 69,261 90,692 20,105Promotional Activities 415,241 255,911 139,345 819,856 478,660Staff Materials 323,051 351,944 427,983 566,769 692,223Audit fees 60,000 150,000 201,575 173,250 227,500Training Material Expenses 118,531 480 48,050 28,022 4,998Material Support to Beneficiary - - 2,300,830 8,924,991 13,545,362Program Material Expenses - - - 524,707 -Legal Expenses - - - 1,632,357 -Infrastructure Development Expenses - - 2,135,000 - 3,699,430Loss on Absorption - 906,613 53,495 - -Loss on Goods Damaged - - 5,754 - -Capacity Building Reserve Expenses - - - - -Depreciation 2,500,584 3,075,166 6,073,664 6,536,636 12,091,899Other Expenditure - - - 286,095 121,074,630Total Operating Expenses 257,694,405 311,407,088 358,384,019 393,924,613 677,837,481Loan Loss Provision Expenses (LLPE) 30,410,969 72,431,220 55,214,156 30,654,380 38,747,503Disaster Management Fund Expenses (DMFE) 4,109,676 5,218,701 5,999,671 7,294,741 8,960,854Total Expenditure 386,838,125 511,673,961 570,455,380 628,867,654 878,450,878Excess of Income over Expenditure 72,931,347 40,452,974 77,668,589 161,359,147 129,689,256


- General Information

United Development Initiatives for Programmed Actions (UDDIPAN)Five Years at a Glance

As on June 30 Amount in Tk. Particulars Financial Year 2009-2010 2010-2011 2011-2012 2012-2013 2013-2014A. Institution Profile Number of Districts 23 23 23 23 24 Number of Upazila 133 137 139 140 149 Number of Unions 975 1,020 1,067 1,145 1,260 Number of Villages 5,950 6,236 6,236 6,762 7,152 Number of Branchs 196 201 219 219 220 Number of Loan 220,531 234,666 258,251 293,421 321,570 Total Staff 1,832 1,840 1,961 2,132 2,344 Total Collection Staff 920 947 951 1,066 1,149 Number of Clients 271,803 292,445 341,746 368,576 408,371 Number of Active Borrowers 201,028 212,752 238,429 258,082 280,451 Borrowers / Clients Ratio 73.96% 72.75% 69.77% 70.02% 68.68%B. Deposit Portfolio Yearly Deposit 478,222,004 539,506,817 675,232,396 756,408,383 957,653,765 Cumulative Deposit 1,759,261,781 2,298,768,598 2,974,000,994 3,730,409,377 4,688,063,142 Interest on Deposit 19,351,079 25,724,920 42,322,394 55,857,347 69,930,007 Yearly Deposit Refund 328,651,765 379,239,737 542,699,630 539,896,491 660,372,336 Deposit Portfolio 690,028,740 876,020,740 1,050,875,900 1,323,245,139 1,690,456,575 Deposit Portfolio Growth 32.42% 26.95% 19.96% 25.92% 27.75% Deposit Portfolio to Total Assets 29.34% 29.84% 29.01% 29.43% 29% Deposit Portfolio to Loan Portfolio 33.62% 36.54% 36.21% 35.63% 36.33%C. Loan Portfolio Yearly Loan Disbursed 3,889,123,500 4,646,684,749 5,281,834,042 6,871,243,582 8,400,337,524 Cumulative Loan Disbursed 13,156,652,800 17,803,337,549 23,085,428,954 29,956,672,536 38,761,894,707 Yearly Loan Recovered 3,389,691,920 4,301,989,560 4,777,259,595 6,059,588,964 7,460,387,104 Cumulative Loan Recovered 11,104,139,941 15,406,129,501 20,183,389,096 26,242,978,060 34,108,340,599 Loan Portfolio 2,052,512,859 2,397,465,411 2,902,039,858 3,713,694,476 4,653,554,108 Loan Portfolio Growth 32% 17% 21% 28% 25%D. Assets & Liabilities Total Assets 2,351,455,805 2,935,300,269 3,621,856,727 4,496,520,689 5,829,995,762 Total Liabilities 2,162,084,048 2,706,210,684 3,240,173,563 3,952,212,428 5,137,980,285 Total Equity 189,371,757 229,089,585 381,683,263 544,308,261 692,015,477 Liqudity Ratio 18.84% 24.06% 34.23% 9.70% 15.73%E. Sustainability / Profitability Return on Equity (ROE) 47.70% 19.45% 29.83% 16.29% 23.41% Return on Assets (ROA) 3.36% 1.55% 2.84% 1.97% 2.55% Financial Self-Sufficiency 107.43% 100.17% 100.17% 113.18% 114.76% Operating Self-Sufficiency 110.45% 112.50% 115.06% 124.97% 159.81%F. Portfolio Quality On Time Recovery Rate (OTR) 98.24% 96.90% 96.90% 98.89% 98.75% Portfolio at Risk 4.67% 7.43% 7.83% 6.57% 4.73%G. Assets / Liability Management Yild on Gross Portfolio 22.81% 23.43% 24.50% 20.47% 24.10% Current Ratio 1.72:1 1.21:1 1.78:1 2.55:1 1.7 :1 Annual Growth to Total Assets 18.18% 24.83% 23.39% 24.15% 33.74%H. Leverage Debt to Equity 10.86:1 10.70:1 8.83:1 7..24:1 6.97:1 Debt Service Coverage Ratio 1.23:1 1.04:1 1.75:1 1.08:1 1.07: 1 Equity as percent of Total Assets 8.08% 7.80% 9.19% 12.11% 11.86%I. Efficiency Productivility Credit Officer (CO) Productivility 295 309 359 346 389 Credit Officer (CO) Borrowers 225 251 242 267 Credit Officer (CO) Loan 2,231,091 2,531,642 3,051,567 3,483,766 4,436,181 Credit Officer (CO) Deposit 750,031 925,048 1,105,022 1,241,318 1,611,493 Loan Disbursed per CO 4,227,308 4,906,742 5,553,979 6,445,819 8,007,943 Avarage Disbursment Loan Size 17,635 19,801 20,452 23,418 26,123 Avarage Outstanding Loan Size 10,210 11,269 12,172 14,390 16,593 Cost per Loan Made 1,754 2,158 2,196 2,271 2,733 Income per Loan Made 2,085 2,331 2,622 2,842 3,136 Cost of per Money lent Tk.1 0.07 0.08 0.09 0.06 0.08


Statement of Value Addedfor thr year ended 30th June 2014

Financial Statement which shows how much value (Wealth) has and has been created by the organisation through utilization of its capacity , capital , manpower & other resources and how it is calculated among different stakeholders ( Boards of Directors ,Employees , Lenders , Govrnment etc.) Particulars Amounts in Taka 2013-2014 2012-2013

Income from Social and Microfinance service Service Charge 925,943,646 734,859,304Bank Interest 3,069,604 1,886,786Interest on Term Deposit 15,697,602 13,268,308Grants & Donations 109,117,193 83,775,199Other Income 161,851 - 1,053,989,896 833,789,597Less: Cost of ServicesFinancial Expesnse (Including Interest on Client's Deposits) 260,756,942 197,155,389Operating Expenses(Excluding Salary & benefits, GOB Tax & VAT , Reserve & Depreciation) 125,747,961 83,946,145Provisions for Loans and Services 47,708,357 37,949,121Value Added 619,776,636 514,738,942Distribution of Value AdditionTo Government as Tax 8,143,505 3,872,628To Employees as Salaries and Benefits 448,580,845 316,051,318To expansion and growthRetained Surplus 133,898,303 167,319,511Statutory Reserve 12,881,762 16,731,951Depreciation 16,272,221 10,763,534 619,776,636 514,738,942

Project PerformanceSL. Project Name MFP-I MFP-II MFP-III SHAYMMA Health Care MIME EPCYLA DRR RUCMP CCA CRGA TOTAL No. Banglaseh Anukul Bank Foundation Funded Funded

1 Number of Beneficiary 408,371 100 3,627 83 200 10,638 39,090 30,000 36,256 30,000 11250 569,615

2 Total Cost 878,450,881 2,851 10,555,946 641,827 442,083 7,480,754 5,061,976 2,356,959 12,927,501 3,006,491 1,770,702 922,697,971

3 Administrative cost 79,060,579 - 20,500 - - 12,870 1,685,305 48,500 494,228 82,572 57,200 81,461,754

4 Cost of Beneficiary 2151 29 2910 7733 2210 703 129 79 357 100 157 16,559

5 Administrative cost per Benificiary 194 0 6 0 0 1 43 2 14 3 5 267

6 % of Administrative cost 9% 0% 0% 0% 0% 0% 33% 2% 4% 3% 3%

To Government as Tax

To Employees as Salariesand Benefits

To expansion and growthTo Government as Tax

To Employees as Salariesand Benefits

To expansion and growth

0.75%

61.40%

28.51%

01.40%

76.92%

21.69%


Auditors’ Reports, Financial Statements and Credit Rating Independent Auditors’ Report Statement of Financial Position Statement of Comprehensive Income Receipts & Payments Accounts Statement of Cash Flows Statement of changes in equity Statement of liquidity analysis Notes to the Financial Statement Eligibility Criteria Compliance Certification Review of Loan Classification and Provisions Segmental Financial Information Property, Plant and Equipment Schedule Other Schedule Credit Rating

INDEPENDENT AUDITORS' REPORTTO THE GOVERNING BODY OF UDDIPAN

Report on the Financial Statements

We have audited the accompanying financial statements of United Development Initiatives for Programmed Actions (UDDIPAN), which comprise the Statements of Financial Position as at June 30, 2014, the Statement of Comprehensive Income, Receipts & Payments Accounts, Statement of Cash Flows and Statement of Changes in Equity for the year the ended and a summary of significant accounting policies and other explanatory information.

Management’s Responsibility for the Financial Statements

Management of UDDIPAN is responsible for the preparation of these financial statements in accordance with Bangladesh Financial Reporting Standards (BFRS) and for such internal control as management determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with Bangladesh Standards on Auditing. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of the material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the presentation of the financial statements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Opinion

In our opinion, the financial statements prepared in accordance with Bangladesh Financial Reporting Standards (BFRS), give a true and fair view of the state of the organization’s affairs as at June 30, 2014 and of the results of its performances for the period then ended and comply with the applicable sections of the Companies Act, 1994 and other applicable laws and regulations.

Dated, Dhaka A. Qasem & Co.October 16, 2014 Chartered Accountants

A. Qasem & Co.Chartered AccountantsSince 1953

Gulshan Pink CitySuites # 01-03, Level : 7Plot # 15, Road # 103Gulshan AvenueDhaka-1212, BangladeshPhone : 880-2-8881824-6Fax : 880-2-8881822E-mail : [email protected]

113Auditors’ Reports, Financial Statements and Credit Rating

Amounts in Taka

United Development Initiatives for Programmed Actions (UDDIPAN)Statement of Financial Position

As at June 30, 2014

ASSETS: NOTES 2013-2014 2012-2013

Non-Current Assets:Property, Plant & Equipment 6.00 172,106,382 134,453,912Investment 7.00 1,900,000 1,000,000Loan to Clients 8.00 166,381,044 138,390,176Others Loan 9.00 26,575,168 11,214,560

Total Non-Current Assets 366,962,594 285,058,648Current AssetsLoan to Clients 8.00 4,487,173,064 3,575,304,626Others Loan 9.00 16,899,749 27,111,489Term Deposit 10.00 302,600,000 180,600,000Inventories 11.00 22,647,001 13,116,326Accounts Receivable 12.00 50,523,606 44,314,389Deposits & Prepayments 13.00 24,745,575 42,358,752Cash & Cash equivalents 14.00 668,133,711 272,301,195Total Currents Assets 5,572,722,706 4,155,106,777

Total Assets 5,939,685,300 4,440,165,425Capital & LiabilitiesCapital:Cumulative Surplus 15.00 614,109,181 495,980,777Reserve Fund 16.00 61,861,542 48,979,780Loan Loss Reserve Fund (LLRF) 17.00 44,336,155 35,379,685Disaster Management Fund (DMF) 18.00 40,544,328 31,583,474 Total Capital Fund 760,851,206 611,923,716Non Current LiabilitiesTerm Loan 19.00 1,228,267,139 860,765,856Client's Deposit 20.00 207,933,857 104,125,695Staff Welfare Deposits 21.00 20,950,380 9,664,667Staff Gratuity Fund 22.00 97,293,593 62,048,070Motor Cycle Replacement Fund 23.00 4,922,520 4,582,515Staff Security Deposit 24.00 8,378,447 7,814,947Staff Welfare Fund 25.00 13,814,865 12,218,533

Total Non Current Liabilities 1,581,560,801 1,061,220,283

Current Liabilities

Loan Loss Reserve Fund (LLRF) 17.00 180,325,699 150,534,666Term Loan 19.00 1,727,905,103 1,287,120,109Client's Deposit 20.00 1,482,522,718 1,219,119,444Client's Micro Insurance 26.00 182,564,372 88,528,280Other Loans 27.00 44,976 1,235,842Accounts Payable 28.00 12,169,179 10,578,479Provisions 29.00 152,975 1,082,593Other Liabilities 30.00 11,588,271 8,822,013

Total Current Liabilities 3,597,273,293 2,767,021,426

Total Capital & Liabilities 5,939,685,300 4,440,165,425

A. Qasem & Co.Chartered Accountants

These financial statements should be read in conjunction with the annexed notes

Chairman, Board of Directors Executive Director & CEO Deputy Director & CFO Signed in terms of report of even date annexed


Dated : DhakaOctober 16, 2014

114 Auditors’ Reports, Financial Statements and Credit Rating

Amounts in Taka

United Development Initiatives for Programmed Actions (UDDIPAN)Statement of Comprehensive Income

For the year ended 30 June 2014

Particulars Notes

2013-2014 2012-2013

INCOMEService Charge 31.00 925,943,646 734,859,304Bank interest 3,069,604 1,886,786Interest on Term Deposit 15,697,602 13,268,308 Grants & Donations 5.5 109,117,193 84,140,892 Other Income 148,600 - Profit on sale of assets 13,251 -Total Income 1,053,989,896 834,155,290EXPENDITURE: Financial Expenses: Interest on Term Loan 188,441,216 139,020,564Interest on Clients' Deposit 70,637,699 55,865,886Bank charges & commission 1,678,027 2,268,939Total Financial Expenses 260,756,942 197,155,389 Operating Expenses: Salary & Allowances 448,580,845 316,051,318Office Rent 21,419,115 18,637,418Printing, Stationeries & Supplies 9,453,749 5,544,171Travelling & Transportation 22,629,924 18,846,372Utilities 10,667,352 7,249,128Postage & Telegram 323,580 360,917Repair & Maintenance 3,553,041 3,241,761Entertainment 1,760,329 1,639,565Training & Development Expenses 32.00 37,344,470 32,482,070Training Material Expenses 111,467 195,255 General Expenses 1,571,290 1,503,104Recruitment Expenses 20,105 90,692Legal Expenses 1,708,931 1,632,357Audit fees 257,500 173,250Board Member Honorarium 42,000 40,000Professional Fees 474,000 1,339,897Membership Fees 262,400 221,950Promotional Activities 478,660 819,856Staff Materials 692,223 566,769Material Support to Beneficiary 13,545,362 8,924,991Program Materials Expenses 6,218,410 755,106Infrastructure Development Expenses 3,699,430 -Capacity Building reserve expenses 636,842 286,095Claim Settlement 8,812,902 365,693Covariant Risk Fund Expenses 30.00 934,677 -Uncertaint Reserve Expenses 30.00 155,469 -Depreciation 16,272,221 10,763,534Total Operating Expenses: 611,626,294 431,731,269Provision for Loan Loss Reserve Fund 38,747,503 30,654,380Provision for Disaster Management Fund 8,960,854 7,294,741Total Expenditures 920,091,593 666,835,779Excess/(Shortage) of Income over Expenditure 133,898,303 167,319,511


The accompanying notes form an integral part of these financial statements





Amounts in Taka


United Development Initiatives for Programmed Actions (UDDIPAN)Receipts & Payments AccountFor the year ended June 30, 2014

Particulars Notes

2013-2014 2012-2013

Opening Cash & Cash equivalents 14.00 272,301,195 367,548,593

Cash in hand 15,326,815 22,314,570

Cash at Bank 256,974,380 345,234,023

RECEIPTS

Service Charge- Loan 892,614,259 724,884,729

Bank Interest 3,051,584 1,886,786

Interest on Term Deposit 3,607,038 5,326,951

Grants & Donations 119,607,318 74,770,961

Others Income 4,955,723 -

Receipts against Sale of Assets 6.00 22,090 -

Loan realized from clients 8.00 7,354,208,722 5,916,801,187

Other loans Receipts 9.00 12,524,383 13,397,213

Term Deposit Encashment 10.00 70,000,000 9,700,000

Sales 11.00 2,111,387 6,643,256

Accounts Receivable Realized 12.00 39,888,920 7,098,167

Realized against Deposits & Prepayments 13.00 9,800,047 35,142,414

Term Loan Receipt 19.00 2,526,559,883 1,724,123,822

Clients Deposits Receipt 20.00 957,653,765 749,429,201

Staff Welfare Deposits Receipt 21.00 7,361,101 2,287,733

Staff Gratuity Fund Receipt 22.00 38,699,228 9,569,583

Motor Cycle Replacement Fund Receipt 23.00 60,667 53,633

Client's Micro Credit Insurance Fund Receipt 26.00 77,282,273 46,743,662

Staff Security Deposit Receipt 24.00 2,094,700 2,073,500

Staff Welfare Fund Receipt 25.00 2,065,643 2,122,454

Receipts against other subsidiary fund 30.00 2,995,941 -

Inter Project Loan Receipt 308,299,461 380,980,325

Total Receipts 12,980,066,523 10,448,132,763

PAYMENTS

Interest on Term Loan 188,441,215 139,020,564

Interest on Clients' Deposit 493,414 13,718

Bank charges & commission 1,678,532 2,278,333

Salary & Allowances 358,716,587 264,632,767

Office Rent 22,583,121 18,799,418

Printing, Stationeries & Supplies 7,365,735 6,315,687

Travelling & Transportation 21,544,769 18,836,372

Utilities 10,390,483 6,986,358

Postage & Telegram 237,238 334,266

Repair & Maintenance 3,233,937 3,319,752

Entertainment 2,681,946 1,622,037

Training & Development Expenses 33,402,175 31,275,068

Training Material Expenses 133,156 329,158

General Expenses 1,640,289 803,807


Amounts in Taka


United Development Initiatives for Programmed Actions (UDDIPAN)Receipts & Payments AccountFor the year ended June 30, 2014

Particulars Notes

2013-2014 2012-2013Recruitment Expenses 20,105 90,692Legal Expenses 1,406,417 -Audit fees 37,500 127,150Board Member Honorarium 42,000 40,000Professional Fees 345,500 1,291,757Membership Fees 262,400 222,250Promotional Activities 410,645 750,997Staff Materials 668,632 596,128Material Support to Beneficiary 13,782,854 9,074,719Program Materials Expenses 1,531,139 943,403Infrastructure Development Expenses 3,699,430 -Capacity Building Reserve Expenses - 13,718Claim Sattlement 337,520 -Purchases against Property, Plant & Equipment 6.00 30,232,345 21,362,970Loan disburse to Clients 8.00 8,324,494,000 6,850,704,229Other Loans Refund 9.00 15,407,483 13,408,426New Term Deposits 10.00 192,000,000 130,600,000Purchases 11.00 15,760,959 16,752,926New Deposits & Prepayments 13.00 59,602,596 42,338,273Term Loan Refund 19.00 1,723,260,861 1,365,197,317Client's Deposit Refund 20.00 568,655,276 479,224,054Staff Welfare Deposits Refund 21.00 3,051,615 1,231,456Staff Gratuity Fund Refund 22.00 43,476,506 3,766,869Motor Cycle Replacement Fund Refund 23.00 14,946 56,417Client's Micro Insurance Fund Refund 26.00 2,072,881 5,340,574Accounts Payable Paid 28.00 29,577,247 4,065,361Provision Paid 29.00 112,087 201,186Staff Security Deposit Refund 24.00 1,446,500 1,700,200Staff Welfare Fund Refund 25.00 2,816,358 689,575Other Liabilities Refund 30.00 42,861,384 4,514,742Inter Project Loan Refund 309,701,834 446,723,999

Total Payments 12,039,631,617 9,895,596,693

Closing Cash & Cash equivalents 668,133,711 272,301,195

Represented by: 668,133,711 272,301,195

Cash in hand 14.00 22,615,470 15,326,815

Cash at Bank 645,518,241 256,974,380






Amounts in Taka


United Development Initiatives for Programmed Actions (UDDIPAN)Statement of Cash Flows

For the year ended June 30, 2014

Particulars Notes

2013-2014 2012-2013 A. Cash flow from operating activities Surplus for the year 15.00 133,898,303 167,319,511 Add: Prior Adjustment 15.00 (2,888,137) (4,042,117) Depreciation 6.00 16,272,221 10,763,534 Loan Loss Reserve Fund (LLRF) 17.00 38,747,503 (42,500,490) Disaster Management Fund (DMF) 18.00 8,960,854 7,294,741 Sub total of non cash items 194,990,744 138,835,179 Loan Disbursed to Clients 8.00 (8,407,853,204) (6,885,901,700) Loan realized from Clients 8.00 7,467,993,898 6,074,246,756 Inventories 11.00 (9,530,675) (10,381,341) Increase Other Loans 9.00 (5,148,868) (7,096,501) Increase Accounts Receivable 12.00 (6,209,217) (22,187,913) Deposits & Prepayments 13.00 17,613,177 (12,984,880) Accounts Payable 28.00 1,590,700 7,706,476 Provisions 29.00 (929,618) 799,292 Other Liabilities 30.00 2,766,258 4,491,933 Sub- Total (939,707,549) (851,307,878)

Total Net cash used in operating activities (744,716,805) (712,472,699)

B. Cash flow from investing activities Property, Plant and Equipment 6.00 (53,924,691) (25,414,052) Investment 7.00 (900,000) (1,000,000) New Term Deposit 10.00 (192,000,000) (130,600,000) Term Deposit Encashment 10.00 70,000,000 97,000,000

Net cash used in investing activities (176,824,691) (60,014,052)

C. Cash flow from financing activities Term Loan Receipts 19.00 2,523,012,142 1,724,123,822 Term Loan Refunds 19.00 (1,714,725,864) (1,365,193,317) Client's Deposit Receipt 20.00 971,374,283 756,408,383 Client's Deposit Refund 20.00 (673,441,625) (539,896,491) Interest on Clients' Deposit 20.00 69,278,778 55,857,347 Staff Welfare Deposit Receipts 21.00 28,237,675 2,287,733 Staff Welfare Deposit Payments 21.00 (16,951,962) (1,231,456) Staff Gratuity Fund Receipts 22.00 38,519,150 9,626,156 Staff Gratuity Fund Refunds 22.00 (3,273,627) (3,638,584) Motor Cycle Replacement Fund Receipts 23.00 354,951 179,273 Motor Cycle Replacement Fund Payments 23.00 (14,946) (56,417) Client's Micro Credit Insurance Fund Receipts 26.00 138,358,074 46,815,184 Client's Micro Credit Insurance Fund Refunds 26.00 (44,321,982) (9,841,974) Other Loans 27.00 (1,190,866) (4,597) Staff Security Deposit Receipts 24.00 2,094,700 2,173,700 Staff Security Deposit Refunds 24.00 (1,531,200) (1,810,400) Staff Welfare Fund Receipts 25.00 2,072,252 2,130,566 Staff Welfare Fund Refunds 25.00 (475,920) (689,575)

Net cash used in financing activities 1,317,374,012 677,239,353D. Net increase in cash and cash equivalents (A+B+C) 395,832,516 (95,247,398) Cash and cash equivalents at beginning of the year 272,301,195 367,548,593

Cash and cash equivalents at end of the year 668,133,711 272,301,195






United Development Initiatives for Programmed Actions (UDDIPAN)Statement of Changes in Equity

For the year ended 30th June 2014

Amount in Taka

Particulars Surplus Reserve Fund Loan Loss Disaster Total Provision Management Fund (LLPF) Fund (DMF)

Balance as on 30.06.2013 495,980,777 48,979,780 35,379,685 31,583,474 611,923,716

Add: Surplus during the year 133,898,303 - - - 133,898,303

Add: Proir Year Adjustment (2,888,137) - - - (2,888,137)

Add: Transfer from Surplus - 12,881,762 - - 12,881,762

Add: Provision during the year - - 8,956,470 8,960,854 17,917,324

Sub Total 626,990,943 61,861,542 44,336,155 40,544,328 773,732,968

Less: Transfer to Reserve Fund 12,881,762 - - - 12,881,762

Balance as on 30.06.2014 614,109,181 61,861,542 44,336,15 40,544,328 760,851,206

Balance as on 30.06.2012 349,181,814 32,501,349 228,414,841 24,288,733 634,386,737

Add: Surplus during the year 167,319,511 - - - 167,319,511

Add: Proir Adjustment (4,042,117) - - - (4,042,117)

Add: Transfer from Surplus - 16,478,431 - - 16,478,431

Add: Provision during the year - - 30,641,812 7,294,741 37,936,553

Sub Total 512,459,208 48,979,780 259,056,653 31,583,474 852,079,115

Less: Transfer to Reserve Fund 16,478,431 - 73,142,302 - 89,620,733

Less: Transfer to Non-current liabilities (As per MRA Guideline) 150,534,666 150,534,666

Balance as on 30.06.2013 495,980,777 48,979,780 35,379,685 31,583,474 611,923,716

As per Micro Credit Regulatory Authority (MRA) letter No. Memo. MRA/Circular Letter No. Regu-17, Dated 08/5/2013 equity fund will be the Cumulative Surplus, Restricted Reserve Fund and 1% Reserve Fund against standard loan. For this reason Equity Fund rectified last year.







Statement of Liquidity Analysis (Maturity of Assets and Liabilities)as at 30th June 2014

United Development Initiatives for Programmed Actions (UDDIPAN)

Assets

Property, Plan and Equipment 6 1,322,657 2,640,318 11,903,913 15,871,884 140,367,610 172,106,382 Investments 7 - - - - 1,900,000 1,900,000 Loan to Clients 8 373,931,088 747,862,184 3,365,379,792 166,381,044 - 4,653,554,108 Other Loans 9 1,408,312 2,816,624 12,674,813 20,475,316 6,099,852 43,474,917 Term Deposit 10 - 302,600,000 - - - 302,600,000 Inventories 11 7,525,321 14,550,642 571,038 - - 22,647,001 Accounts Receivable 12 11,192,720 22,385,440 16,945,446 - - 50,523,606 Deposits & Prepayments 13 3,062,131 6,124,262 15,559,182 24,745,575 Cash and cash equivalents 14 668,133,711 - - - - 668,133,711

Total Assets 1,066,575,940 1,098,979,470 3,423,034,184 202,728,244 148,367,462 5,939,685,300

Loan Loss Provision (LLP) 17 - - 180,325,699 - - 180,325,699

Term Loan 19 88,787,843 177,575,686 1,461,541,574 1,228,267,139 - 2,956,172,242

Client's Deposit 20 65,732,148 65,732,146 1,351,058,424 149,670,789 58,263,068 1,690,456,575

Staff Welfare Deposits 21 - - - 20,950,380 - 20,950,380

Staff Gratuity fund 22 - - - 51,250,810 46,042,783 97,293,593

Motor Cycle Replacement Fund 23 - - - 730,000 4,192,520 4,922,520

Staff Security Deposit 24 - - - 3,040,500 5,337,947 8,378,447

Staff Welfare Fund 25 - - - 4,150,328 9,664,537 13,814,865

Client's Micro Credit Insurance Fund 26 1,326,500 2,703,000 178,534,872 - - 182,564,372

Other Loans 27 44,976 - - - - 44,976

Accounts Payable 28 311,177 1,540,773 10,317,229 - - 12,169,179

Provisions 29 73,240 79,735 - - - 152,975

Other Liabilities 30 47,127 4,144,031 7,397,113 - - 11,588,271

Total Liabilities 156,323,011 251,775,371 3,189,174,911 1,458,059,946 123,500,855 5,178,834,094

Net Liquidity difference 910,252,929 847,204,099 233,859,273 (1,255,331,702) 24,866,607 760,851,206

Percentage of Net Liquidity Difference 85% 77% 7% -619% 17% 13%

Liabilities

Assumptions applied in the preparation of the maturity analysis are as under:

i) Investments are on the basis of their respective maturity.

ii) Other current assets are on the basis of their realisation.

iii) Loan to client is on the basis of realisation / recovery.

iv) Property, Plant and Equipment are on the basis of their useful lives.

v) Term Loan are on the basis of their repayments.

vi) Client's Deposit and other liabilities are on the basis of their maturity and repayments.

Particulars NotesUp to one

monthOne to Three

monthThree to Twelve

monthsOne to Five

YearsMore thanFive Years

Total Amount(Tk)



United Development Initiatives for Programmed Actions (UDDIPAN)Notes to the Financial Statements for the year ended 30 June, 2014

1.00 Background

United Development Initiatives for Programmed Actions (UDDIPAN) as a national development organization, UDDIPAN came into the development field in1984 with the objective of establishment and promotion of fundamental rights of the disadvantaged, marginalized and proverty hit masses including children, women & men through proverty alleviation, empowerment and mainstreaming them in the development process of the country. In course of working for more than 30 years, UDDIPAN is nowadays a well - known non-profit development organization with its multiple programs tangible everywhere in its working areas spread over 165 upazilas of 37 districts. It focuses and emphasizes on participations and involment of children, youths, women & men irrespective of class, culture, colours, religionand creed in its development ventures surrounding national proverty sectors like micro credit, micro enterprise, women's empowerment, technical and vocational education, green energy, child development, micro insurance etc. UDDIPAN as one of the top organizations have gained prominence in multi-focused developmental activities. It is an active member of many important national, regional and international networks and forums and is playing contributory roles for advocacy & lobbying to establish & uphold Human rights & good governance at the national vis-a-vis international level in general. with the considerately long experinences of working with & learning from the people, the prganization has been capable of developing its approach & strategy in development that reflects peoples perception, need, participation, & lederships for desired changes in livelihood, governance & potentials for growth & prosperty. UDDIPAN has professional relationship with other such organizations working in Bangladesh and works collectively in the event of national of national crisis and need (like natural calamities and man-made disasters). It also offers and organzes trainig servics on CRC, TVET, anti-trafficking, Business Development Services (BDS), micro-finance, Business accounts, micro enterprise, child development etc having facilities and logistics at the national & regional levels thereon.

1.01 VISION: Establishing a proverty -free Bangladesh through empowerment of the excluded poor, underprivileged and ethnic minorities for enriching their lives in the vision of UDDIPAN.

1.02 MISSION: The Mission of UDDIPAN is to build & promote capacities of the community institutions through human resource development, creating sustainable livelihood opportunities, instituting and Institutionalizing fundamental rights for mainstreaming the family members of excluded poor, underprivileged and ethnic minorities.

1.03 Legal status: The organization is registered under the Voluntary Social Welfare Agencies ( Registration and Control) Ordinance 1961, Societies Registration Act 1860, the Foreign Donations (Voluntary Activities) Regulation Ordinance 1978 and Micro Credit Regulatory Act 2006.

1.04 Head Office: The principal place of activity of the organization is located at House No - 9, Road No -1, Block - F, Janata Co-operative Housing Society Ltd., Ring Road, Adabar, Dhaka-1207, Bangladesh.

2.00 Corporate information of the UDDIPAN:

1. Year of establishment 1984

2. Legal Entity Social Welfare Registration No. Dha- 01914, Date: '27/04/1986

NGO Affairs Bureau Registration No. 286 , Date: '22/2/1989

Join Stock Co. S-4243(345)/04

MRA Registration No. 00123-00848-00003, Date: '05/09/2007

3. Nature of operations (Program) Economic & Social Development Program

4. Statutory Audit conduct up to 30/06/2014

5. Name of statutory auditor for current year A.Qasem & Co.

6. No. Executive Committee meeting Fy 2013- 2014 06

7. Date of Last AGM held 26.11.2013



List of Board of Directors

Name Position Qualification Profession Present Address

1. Shahid Hossain Talukder Chairman M.A Independent H# 20, R# 3, Block - A, Banosri Project, Consultant East Rampura, Dhaka

2. Naheed Sultana Vice-Chairman M.S.S Private Service 367/1. Free School Street, Hatirpool, Dhaka

3. Md. Emranul Huq Chowdhury Member M.A Private Service H# 812 (3rd floor) R # 4, Baitul Aman Housing Secretary & CEO Society, Adabar, Dhaka - 1207 and Executive Director

4. A.B.M. Shamsul Huda Treasurer M.A Private Service 5/A Kazi Nazrul Islam Road, Flat # 3F Mohammadpur, Dhaka - 1207

5. Md. Mahbubur Rahaman Member M.S.S Private Service H# 88/A, Indria Road, Dhaka

6. MS. Sharifa Khatun Member M.A Retired R # 12, H# 38, Shakertak, Adabar, Dhaka-1207 Govt. Officials

7. Muhammed Kamal Uddin Member M.S.S Private Service Oriental Castle, Flat # 1-1, H # 38, R # 5, Dhanmondi R/A, Dhaka - 1205

Basis of Preparation of Financial Statements

3.01 Basis of Accounting: The accounts are prepared on accrual basis, except for interest on loans which is accounted on a cash

basis, under historical cost convention in conformance with generally accepted accounting principles, wherever appropriate, such principles are explained in the succeeding notes.

3.02 Basis of presentation of financial statements UDDIPAN maintains its books of account and records on a programmed or project-wise basis. The Head

Office maintains records of all treasury, investment and management functions. All cash balances, including those held for programmes, are held by the Head Office and transferred to programmes as required. Balance between projects are eliminated upon combination for the purposes of presentation of the financial statements but it present separately Note No. 32 to 37.

3.03 Use of estimates and judgments In the preparation of the financial statements management required to make judgments, estimates and

assumptions that affect the application of accounting policies and the reported amounts of assets, liabilities, income and expenses. Actual results may differ from these estimates.

Estimates and underlying assumptions are reviewed on an on going basis. Revisions to accounting estimates are recognized in the period in which the estimate is revised and in any future periods affected.

4.00 Summary of Significant Accounting Policies: UDDIPAN is a non governmental organization as per definition provided in the Statement of

Recommended Practice for Not-for-Profit organizations. UDDIPAN prepares its financial statements on a going concern basis, under the historical cost convention

in conformance with general accepted accounting principles. Wherever appropriate, such principles are explained in the succeeding notes.

UDDIPAN generally follows the accrual basis of accounting or a modified from except for Service Charge on "Loan to Client's" which is accounted on a cash basis thereof for key income and expenditure items. The financial statements have been prepared in accordance with comprehensive guidelines and policies as disclosed in the above paragraphs.

The significant accounting policies followed in the preparation and presentation of these financial statements are summarized below.

4.01. Functional and Presentation Currency: The financial information are presented in Taka in the financial statements, which is UDDIPAN functional

currency. Except as indicated, financial information have been rounded off to the nearest Taka.



4.02. Revenue Recognition:

Incoming Resourses:

Income realized from restricted funds is recognized in the Statement of Comprehensive Income only when there is certainty that all of the conditions for receipt of the funds have been complied with and the relevant expenditure that it is expected to compensate has been incurred and charged to the Statement of Comprehensive. Unutilized funds are carried forward as such in the Statement of Financial Position.

Gifts and donations received in-kind are recognized at valuation at the time that they are distributed to beneficiaries, or if received for resale with proceeds being used for the purpose of the organization at the point of such sale. Items not sold or distributed are inventories but not recognized in the financial statements.

All other income is recognized when the organization is legally entitled to the use of such funds and the amount can be quantified. This would include income receivable through fund raising activities and donations.

4.03.1 Revenue:

Service Charge received is recognized on a cash basis.

Revenues earned on services rendered are recognized in the accounting period in which the services were rendered.

Net gains and losses on the disposal of property, plant & equipment and other non current assets, including investments, are recognized in the Statement of Comprehensive Income after deducting from the proceeds on disposal, the carrying value of the item disposed of and any related selling expenses.

4.03.2 Expenditure Recognition

Expenses in carrying out the projects and other activities of the organization are recognized in the Statement of Comprehensive Income during the period in which they are incurred. Other expenses incurred in administering and running the organization and in restoring and maintaining the property, plant and equipment to perform at expected levels are accounted for on an accrual basis and changed to the Statement of Comprehensive Income.

4.03.3 Interest on Clients' Deposit:

Interest on Client's Deposit calculated on the average of opening and closing balance on individual client's deposit. It's calculate monthly basis which is provision and distribute on clients pass book of the end of the financial year but if client withdraw his/her clientship from UDDIPAN, he/she get the month interest balance on that.

4.04. Property, Plant and Equipment:

Property, plant & equipment are recognized if it is probable that future economic benefits associated with the assets will flow to the organization and the cost of the assets can be reliably measured. The financial statements have been prepared in accordance with comprehensive guidelines and policies as disclosed in the above paragraphs.

a) Cost and valuation

All fixed assets are stated at cost less accumulated depreciation as per BAS-16 " Property, Plant and Equipment". The cost of acquisition of an asset comprises its purchase price and any directly attributable cost of bringing the asset to its working condition for its intended use inclusive of inward freight, duties and non-refundable taxes.

b) Restoration costs

UDDIPAN recognizes in the carrying amount of an item of property, plant and equipment the cost of replacing part of such an item when that cost is incurred if it is possible that the future economic benefits embodied with the item will flow to the company and the cost of the item can be measured reliably. Expenditure incurred after the assets have been put into operation, such as repairs and maintains, is normally changed off as revenue expenditure in the period in which it is incurred.

c) Depreciation

Depreciation is charged for the year at the following rates on straight-line method at the following rates based on the nature and estimated useful life of each assets. For additions during the year, depreciation is



charged for the remaining days of the year and for disposal depreciation in charged up to the date of disposal. On disposal of fixed assets, the cost and accumulated depreciation are eliminated from the fixed assets schedule and gain or loss on such disposal is reflected in the income statement, which is determined with reference to the net book value of the assets and net sale proceeds.

The annual rates of depreciation currently used by the UDDIPAN are :

Category of Fixed Assets Rate

Land & Land Development 0%

Building 2% to 15%

Furniture & Fixtures 10%

Motor Cycle 20%

Bi-Cycle 20%

Equipments 15%

Computer, Printer & UPS 15%

Software 20%

d) Donated Assets

Where property. Plant & equipment is purchased as a part of a project through restricted funds, until the conclusion of the project or, if on conclusion of the project, the asset is not handed over to the beneficiary or returned to the original donor, the cost of the asset is included in a memorandum inventory of property, plant and equipment identified as such in the financial statements. Depreciation is/is not provided on such assets.

4.05. Comparative information :

Comparative information is disclosed in respect of every year including all the numerical information in the financial statements, and also descriptive information is given when it is relevant to an understanding of the current year's financial statements.

4.06. Taxation

Under the Income Tax Ordinance (ITO), 1984 as amended, UDDIPAN is subject to taxation for his present activities/projects. As per 6th Schedule, Part-A Para 1A, of ITO 1984, Income from Microfinance activities are Tax exempted. UDDIPAN submits its return for tax for the organization as a whole UDDIPAN and TIN is 280-108-4514, Dhaka but assessment for the Assessment Year 2001-2002 to 2012-2013 are laying with the High Court Division in the Supreme Court of Bangladesh and Assessment Year 2013-2014 with the taxes appellate Tribunal Double Bench - 5, Dhaka. the UDDIPAN has deposited the Tk.20,223,675 to the Government treasury as Advance Tax.

4.07. Offsetting:

Income and expenditure are offset and net amount reported in the financial statement when there is a legally enforceable right to offset the recognized amounts and there is an intentation to settle on a net basis.

4.08. Borrowing Cost

Borrowing Costs are interest and other costs that UDDIPAN incurs in connection with the borrowing of funds.

Borrowing costs are recognized as an expense in the period in which they are incurred, unless they are incurred in respect of a qualifying asset in which case it is capitalized as a part of the cost of that asset. The amount of borrowing cost eligible for capitalization shall be determined in accordance with the BAS 23 "Borrowing Cost".

4.09. Segment Information

UDDIPAN's internal management and reporting formats are structured and based on activities and services that are similar in nature and where the risk and obligations are similar. The primary segments represent this structure.

The activities of each of the reported activity based segments are reported on Note No. 6 to 32.



4.10. Valuation of assets and their basis of measurement:

4.10.1 Property, Plant and Equipment:

Property, plant & equipment are recognized if it is probable that future economic benefits associated with the assets will flow to the organization and the cost of the assets can be reliably measured. The financial statements have been prepared in accordance with comprehensive guidelines and policies as disclosed in the above paragraphs.

4.10.2 Loan to Client's

UDDIPAN activities include providing micro-finance loans to Client's without collateral, on a service charge basis under various programmes. Loans exclusive of service charge are not stated net of provision for loan losses.

4.10.3 Other Loans

Other Loans to the staffs, other projects & funds are on the basis of their payment or adjustments schedule.

4.10.4 Term Deposit

Term Deposit are on the basis of their useful maturity.

4.10.5 Inventories

Inventories are stated at cost. The cost of inventories includes expenditure incurred in acquiring the inventories and bringing them to their existing location and condition.

Expenditure is recognized at the moment when such inventory delivered or consumed; obsolete inventories are written off. In case of write off of inventory, such amount is recognized as an expense in the period.

Items donated for distribution or resale are not included in the financial statements until such time as they are distributed or resold.

4.10.6 Accounts Receivable

Accounts receivable are recognized when there is a contractual right to receive cash or another financial asset from another entity.

4.10.7 Deposits & Prepayments

Loan & Prepayments are recognized when there is a contractual right to receive cash or another financial asset from another entity.

4.10.8 Cash and cash equivalents

Cash and cash equivalents are defines as cash in hand and bank balances at the end of the year. For the purpose of the Statement of Cash flows, cash and cash equivalents consist of cash in hand and bank deposits, net of outstanding bank overdrafts.

4.11. Basis for valuation of liabilities and provisions

4.11.1. Reserve Fund

This fund creates as statutory reserve has been maintained @10% of total cumulative surplus in accordance with provision of section 20 of The Micro Credit Regulatory Authority (MRA) Act 2006. This fund will be used after getting approval from MRA for the purpose of the Client's poverty reduction and as per guidance of MRA this fund amount invest to the banks in FDR form.

4.11.2. Loan Loss Reserve Fund (LLRF)

UDDIPAN makes provision for loan losses fund based on loan outstanding classification in accordance with provision of Section 44 of The Micro Credit Regulatory Authority (MRA) Ordinance 2010 and makes provisions for loan losses every month in order to maintain the loan loss reserve for bad loans at adequate level and calculates the required provision for loan based on the classification and provisioning methodology which is shown in the forthcoming paragraphs.; if required, are made and accounted for in the financial statements for the year.



4.11.3. Disaster Management Fund (DMF)

UDDIPAN makes provision for Disaster Management Fund, on the basis of 1% of service charge every month. This fund is not externally funded and created by Branch Office and transferred to Head Office monthly basis. This fund is initiated with the aim to provide financial assistance or rehabilitation or mitigate any under situation or natural calamity/devastation.

4.11.4. Term Loan

Term loans are obtained to support various micro finance program undertaken by UDDIPAN and for working capital purposes. The loans are repayable at various intervals on the basis of their repayment schedule.

4.11.5. Client's Deposit

Client's Deposit are on the basis of their maturity term and past trend of withdrawal by the depositors.

4.11.6. Staff Welfare Deposits

UDDIPAN offers various attractive deposit products to the clients. Seeing that staff members are demand to introduce like that. Considering this management are introduce "Staff Welfare Deposit" scheme for the staff's to encourage savings . All deposits are payable to the staffs on demand before maintaining all formalities of the organization and this deposits services to all its staffs.

4.11.7. Staff Gratuity Fund

UDDIPAN operates a gratuity scheme for its regular employees and maintains a separate account for this. The policies are mention below note no.4.15.2.

4.11.8. Motor Cycle Replacement Fund

Applicable donor funds are utilized for providing motorcycles to project or programmed staffs and these funds are held in a replacement fund. The cost of providing motorcycles to staff is recovered through monthly salary deductions. Donor funds received and utilized for the purchase of motorcycles are transferred to Motorcycle Replacement Fund and being the average estimated useful life of the motorcycles.

4.11.9. Client's Micro Credit Insurance Fund

The objective of clients micro credit insurance is to provide financial assistance to those borrowings’ family who die during her/him tenure as loanee and wave the outstanding loan amount of clients, If the client or their wife or husband die provide Tk.1000/- for funeral. And only the borrower will have the eligibility to be the client of this fund. The money deposited in this fund is not refundable.

4.11.10. Other Loans

Other Loans from other projects & funds are on the basis of their payment or adjustments schedule.

4.11.11. Accounts Payable

Payables are stated at cost which is the fair value of the consideration to be paid in the future for goods and services received.

4.11.12. Provisions

Provisions are recognized in the statement of financial position when UDDIPAN has a legal or constructive obligation as a result of a past event and it is probable that an outflow of economic benefit will be required to settle the obligation; and a reliable estimate of the amount can be made, in accordance with the BAS 37 "Provisions, Contingent Liabilities and Contingent Assets".

4.11.13. Staff Security Deposit

This amount receipt against security, who are deal direct cash at field level. At present Tk. 5,000.00 receipt from Credit Officer at the joining time and this amount refund when he/she leave the organization.

4.11.14. Staff Welfare Fund

UDDIPAN introduced Staff Welfare Fund for its staffs with a view to stand by them at the time of distress. The SWF is looked after by a separate committee. The amount of contribution is taken off from the staff in different ceiling based on the level of job.

4.11.15. Other Liabilities

Other Liabilities are on the basis of their payment or adjustments schedule.



4.12. Accounting for the receipt and utilization of Funds4.12.1. Fundsa. Unrestricted Funds Unrestricted Funds are those that are available for use by the UDDIPAN at the direction of the Board, in

furtherance of the general objectives of the organization and which are not designated for any specific purpose. Surplus funds are transferred from restricted funds to unrestricted funds in items of the relevant Donor

Agreements or with the subsequent approval of the Donor. Contributions received from the general public are recognized in the Statement of Comprehensive Income

on a cash basis.b. Designated Funds Unrestricted funds designated by the Board to a specific purpose are identified as designated funds. The

activities for which these funds may be used are identified in the financial statements.c. Restricted Funds Where grants are received for use in an identified project or activity, such funds are held in a restricted fund

account and transferred to the Statement of Comprehensive Income Account to match with expenses incurred in respect of that identified project. Unutilized funds are held in their respective Fund Accounts and included under accumulated fund in the Statement of Financial Position until such time as they are required.

Funds collected through a fund raising activity for any specific or defined purpose are also included under this category. Where approved grant expenditure exceeds the income received and these is certainly that the balance will

be received such amount is recognized through Accounts Receivable in the Statement of Financial Position. The activities for which these restricted funds may and are being used are identified in the notes to the financial statements.d. Endowment Funds Where assets are received as an endowment, which are not exhausted, only the income earned from such

assets may be recognized and used as income.e. Investment Income and other gains realized from funds available under each of the above categories are

allocated to the appropriate funds, unless the relevant agreement or minute provides otherwise.4.13. Reporting Period These financial statements cover one year from 1st July, 2013 to 30th June, 2014.4.14. Risk Management The risk of UDDIPAN is defined as the possibility of losses, financial or otherwise. The risk management of

the organization covers core risk areas of donor fund management risk, credit risk, liquidity risk, equity risk, operational risk and reputation risk arise from money laundering incidences. The prime objective of the risk management is that the UDDIPAN evaluates and takes well calculative business risk and thereby safeguards the UDDIPAN's capital, its financial resources and profitability from various business risks through its own measures and through implementing Micro Credit Regulatory Authority (MRA) guidelines and following same of the best practices as under:

4.14.1 Donor Fund Management Risk The objectives of Donor Fund Management Risk is to ensure that all compliance and service are delivered

to the beneficiaries accordingly which are mention in the contract. For mitigate the risk every month, operation and finance people sit together and identify the gap and take necessary action accordingly. Internal Control & Risk Management Division undertakes periodical and special audit of the branch and beneficiary level for review of the operation and compliance of statutory requirements.

4.14.2 Credit Risk It arises mainly from lending. This can be described as potential loss arising from the failure of a counter

party to perform as per contractual agreement with the UDDIPAN. The failure may result from unwillingness of the counter party or decline in his/her financial condition. Therefore, the UDDIPAN's credit risk management activities have been designed to address all these issues.

UDDIPAN has segregated duties of the officers/ executives involved in credit related activities. A separate Division has been formed at Head Office which is entrusted with the duties of maintaining effective relationship with the customers, marketing of credit products, exploring new business opportunities, etc. Moreover, credit approval, administration, monitoring and recovery functions have been segregated.



A through assessment is done before sanction of any credit facility. The risk assessment includes borrower risk analysis, financial analysis, industry analysis, historical performance of the customer, security of the proposed credit facility, etc. The assurance process starts at Credit Officer and ends at Chief Executive Officer when it is approved/ declined by the competent authority. Credit approval authority has been delegated to the individual executives. Proposals beyond their delegation are approval/declined by the Management Committee of the UDDIPAN.

4.14.3 Liquidity Risk

The object of liquidity risk management is to ensure that all foreseeable funding commitments and deposit withdrawals can be met when due. To this end, UDDIPAN is maintaining a diversified and stable funding base comprising of various deposit product. Management of liquidity and funding is carried out by Finance & Accounts Division under approved policy guidelines. The Liquidity Management is monitored by Head Office Fund Management Team under Finance & Accounts Division on a regular basis. A contingency plan in a place to manage extreme situation.

4.14.4 Equity Risk

Equity risk arises from movement in market value of equities held. The risk are monitored by Operation Division under various Product Head a well designed policy framework. The market value of equities held was however higher than the cost price at the Statement of Financial Position date.

4.14.5 Operational Risk

Operational risk may arise from error and fraud due to lack of internal control and compliance. Management through Internal Control & Risk Management Division undertakes periodical and special audit of the branches and divisions at the Head Office for review of the operation and compliance of statutory requirements. The Audit Committee of the Board subsequently reviews the reports of the Internal Control and Risk Management Division.

4.14.6 Reputation Risk arising from money laundering incidences

Money laundering risk is defined as the loss of reputation and expenses incurred as penalty for being negligent in prevention of money laundering. For mitigation the risk, UDDIPAN has a design to review the transactions of the accounts to verify suspicious transactions. Policy and concerns are give to the all level for developing awareness and skill for identifying suspicious activities or transactions.

4.15. Employee benefit schemes :

4.15.1 Provident Fund :

UDDIPAN, operates a contributory provident fund benefits from which are given to its employees in accordance with its policies. National Board of Revenue (NBR) approved and recognized this fund for the purpose of taxation. The fund is operated by a board of trustees consisting of seven members selected from the employees of the Organization. All permanent employees of the organization are contributing monthly to the fund by an amount equal to 10% of their basic salaries. The organization also contributes 10% of employees' basic salary to the fund each month. Interest earned from the investment is credited to the employees' accounts on a yearly basis and this fund is audited every year by a Chartered Accountants firm.

4.15.2 Gratuity Fund :

UDDIPAN operates a gratuity scheme for its permanent employees and maintains a separate account for this. The policies are as bellow:


Less than 5 years

5 years to less than 10 years avail one month basicsalary last drawn foreach completed yearof service

avail 1.5 times of lastdrawn basic salary foreach completed yearof service

avail 1.5 times of lastdrawn basic salary foreach completed yearof service

avail no benefit

10 years to above avail one month basicsalary last drawn foreach completed yearof service

avail 2 times of lastdrawn basic salary foreach completed yearof service

avail 2 times of lastdrawn basic salary foreach completed yearof service

avail no benefit

avail no benefit avail no benefit avail no benefit avail no benefit

In case of expiration of any employee will avail 2 times of last drawn basic salary for each completed year of service.

Service Tenure Retirement Redundancy DismissalResignation

/Termination



4.15.3 Staff Welfare Fund:

UDDIPAN introduced Staff Welfare Fund for its staffs with a view to stand by them at the time of distress. The SWF is looked after by a separate committee. The amount of contribution is taken off from the staff in different ceiling based on the level of job.

A staff member will be allowed grant after one year of his joining of the fund. However, the trustee board may allow a grant to a staff member if his / her membership is 6 months old but less than a year.

A member of the fund will be eligible to apply for financial benefit from the fund on the following counts:

a) In case of serious diseases like cancer, disease requiring complicated operation etc.

b) Loss of life & physical handicaps due to accident

c) Cremation of dead body of an employee

d) Stipend to meritorious children of an employee

Staffs are not eligible to receive their part of SWF if he/she leaves the organization. Only the staffs at retirement are eligible to get the deposited amount.

The rate of subscription for the staff members will be as follows:

Basic pay per month Rate of subscription

Up to 2,000 30/= per month


above 3,000 75/= per month

The subscription will be realized by deducting the same from the monthly salary at the time of its payment. The grant to a staff member will be allowed at the rate of 50% of the total subscribed amount by the incumbent.

4.15.4 Free Accommodation Facility:

UDDIPAN provides free accommodation facility in rural level for regular staff and in city corporation area it provides city allowance as well. Regional Manager, Area Manager and Branch Managers can also be provided residential facility with family if it is deemly considered a necessity by the ED and after having prior approval from the Executive Director & CEO. In these cases, 30% of house rent of the facilities recipients are to be deducted from his/her salary.

4.15.5 Performance Bonus :

UDDIPAN introduced performance bonus for field level staff . First time only FCO ( First Credit Officer ) are entitled for performance bonus. In five categories A+, A, B, C and D. To achieve this bonus FCO must be have outstanding Tk.above one core, OTR will be 99.5% and get Tk. 5,000/- for A+ categories, outstanding Tk.76 lac to one core and OTR 99.50% for A categories and get Tk. 3,500/-, outstanding Tk. 66 lac to 75 lac and OTR 99.5% for B categories and get Tk. 2,500/-, outstanding Tk.51 lac to 65 lac and OTR 99.5% for C categories and get Tk. 1,500/, outstanding Tk.40 lac to 50 lac and OTR 99.5% for D categories and get Tk. 1,000/. This bonus will continue until he/she performs as per this indicator. When he/she will not be achieve this indicator s/he will not entitled for bonus.

4.15.6 Leave Salary :

UDDIPAN pay to staff leave salary against their earn leave balance. When a staff leave the organization he/she gets leave salary against leave balance. Every staff gets 21 days leave in every year. If a staff do not enjoy leave, the balance be carried forward in the next year and maximum 60 days balance will be carried forward.

4.15.7 Subsidized Food Facility :

UDDIPAN introduced food subsidy for the staff members. In Head office level every staff can be take meal in the canteen. All staff will pay Tk.40/- per meal except service staff. Service staff pays a lumsum amount on their food cost. The rural staff also gets opportunity to take meal in the office mess. UDDIPAN provides cook, utility cost and cookeries. Staff only pays their food cost.



4.15.8 Staff loan (Normal) :

Staff loan can be provided to Staff by the loan approval committee. The confirmed regular staffs are eligible to avail this loan. The amount of loan, duration of loan, number of installments etc. all to be decided by the loan approval committee and the rate of interest against this loan is 10% on declining method. If a staff is eligible to become the client of PF but does not get the membership, he/she will not be allowed to apply for staff loan. A staff is allowed to avail that much amount which is bigger between two months' salary and his/her PF deposit. The staff will loose the eligibility to avail loan second time if he/she violates any conditions in his/her first loan. The staff is not allowed to give loan in such a size the installment of which is more than 20% of monthly salary.

4.15.9 Staff loan (Special) :

A regular confirmed staff can be provide special loan for special ground with the approval from the Executive Board. In case of this amount of loan, conditions for this loan, duration of loan, number of installments, the rate of interest etc. all to be decided by the Chairman and one staff is entitled to avail this loan once in his/her service life. One can apply for this loan after completion of 5 years tenure of service.

4.15.10 Motor cycle loan:

To expedite the field work and project implementation of UDDIPAN staff, an arrangement of motorcycle loan is there in UDDIPAN. The concerned staff has to has a valid license holder if he/she wants to avail this loan. If any staff resigns/ retires/terminates before paying all installment, he will have to hand over the motorcycle to his immediate supervisor. If the staff pays all the installment, the authority will hand over the motorcycle to the concerned staff. Every installment to be curtailed in each month as per the condition lied in the agreement. Appropriate measures will be taken as per the agreement if the motorcycle is stolen or lost.

4.15.11 Bi cycle loan:

To expedite the field work and project implementation of UDDIPAN staff, an arrangement of bi-cycle loan is there in UDDIPAN. If any staff resigns/ retires/terminates before paying all installment, he will have to hand over the bi-cycle to his immediate supervisor. If the staff pays all the installment, the authority will hand over the bi-cycle to the concerned staff. Every installment to be curtailed in each month as per the condition lied in the agreement. Appropriate measures will be taken as per the agreement if the bi-cycle is stolen or lost.

4.16. These notes are an integral part of the annexed financial statements and accordingly are to be read in conjunction therewith.

4.17. Figures and presentation relating to the previous year included in this report have been rearranged, wherever considered necessary, to make them comparable with those of the current year without, however, causing any impact on the net surplus as well as on the values of assets and liabilities.

4.18. Events after the Statement of Financial Position

Where necessary, all the material events after the reporting period have been considered and appropriate adjustment/disclosures have been made in the financial statements.

4.19. Management responsibility on statement

The management takes the responsibility for the preparation and presentation of these financial statements.

4.20. Financial Instruments

Financial instruments are recognized in the Statement of Financial Position when UDDIPAN has become a party to the contractual provisions of the instrument.

a) Receivables

Receivables are carried at anticipated realizable values. Bad debts are written off when identified and an estimate is made for doubtful debts based on a review of all outstanding amounts as at the Statement of Financial Position date.

b) Payables

Payables are stated at cost which is the fair value of the consideration to be paid in the future for goods and services received.



c) Interest -Bearing Borrowings

Interest- bearing loans are recorded at the amount of proceeds received from the concern institution. For borrowings made specially for the purpose of acquiring a qualifying asset, the amount of borrowing costs eligible for capitalization is the actual borrowing costs incurred on that borrowing during the period.

All borrowing costs are recognized as an expense in the Statement of Comprehensive Income in the period in which they are incurred. The carrying values of these financial instruments approximate their fair values due to their short term maturities.

5.00. Significant Organizational Policies

5.01. Provision for Loan Losses :

5.01.1. Loan Classification, loan loss Providing:

UDDIPAN generally provides for loan losses based on loan outstanding classification. Management makes provisions for loan losses every month in order to maintain the loan loss reserve for bad loans at adequate level and calculates the required provision for loan based on the classification and provisioning methodology which is shown below; if required, are made and accounted for in the financial statements for the year.

Loan Classification Days in Arrears Provision required (%)

Standard Loan No Installment is Overdue 1% Watchlist Loan overdue up to 30 days 5% Sub-Standard Loan Loan overdue up to 180 days 25% Doubtful Loan Loan overdue up to 365 days 75% Bad Loan Loan overdue for 365+ days 100%

5.01.2. Loan write off:

The write off of loans, if necessary, are charged against the provision for loan losses. Loans within their maturity period are classified as "Current Loan". Loans which remain outstanding over of their maturity period are considered as "Bad Loans". The total amount of Bad Loans, which are considered bad and have no possibility of recovery. Any collections realized from loans previously written of are credited to the Income Statement. According to loan write off rule 5(B) loan write off method are:

i) Loan write off process must be properly maintained & recorded two times every financial year. Loan write off process must be recorded on 30 June and 31 December every financial year as per rule of the controlling authority.

ii) Branch Manager will prepare loan proposal write off list as specific format and submit to Regional Management Team and Regional Management Team will physically investigate the write off loan and give certificate about the write off and send to Programme Head.

iii) The Head of Program will submit to Head office's write off committee about the proposed write off loan. The Chief Executive, Head of Program , Head of Finance & Accounts, Head of Human Resource Management (HRM), Head of Internal Control & Risk Management (ICRM) will carry out the responsibilities of the write off committee. After justifying, this write off committee will approve the write off loan.

iv) After approving the write off loan by the write off committee , the head office finance & accounts department will ensure to properly record to the write off register at branch level . Approved write off loan & service charge must be deducted from the collection sheet. But also must be recorded in the subsidiary register & clients write off register and will continue to collect the loan and collective loan must be properly recorded & accounted for.

v) Client wise write off register must be updated & recorded as per format at branch level.

5.02. Policy on Loan to beneficiaries

5.02.1. Loan services

The organization stresses on supporting economic activities to generate employment and income to reduce income inequality among the disadvantaged and the poor. The loan products have been developed in response to the demand of its client's. Policy on loan service is as under :



a) The organization gives loans when clients want them to support their economic activities.

b) Loans are not linked to deposits balances-loans and deposits services have been completely de-linked and made entirely voluntary.

c) In addition to existing loans, the clients can take loan for reducing the effect of shocks to the clients' financial and physical assets immediately after natural disasters.

5.02.2. The organization stresses to reduce vulnerability of the loanee. So that Client's Micro credit Insurance products have been developed in response to the demand of its client's. Policy on this service is as under :

a) Clients' Micro Credit Insurance for regular client :

The objective of clients micro credit insurance is to provide financial assistance to those borrowings’ family who die during her/him tenure as loanee and wave the outstanding loan amount of clients, If the client or their wife or husband die provide Tk.1000/- for funeral. And only the borrower will have the eligibility to be the client of this fund. The money deposited in this fund is not refundable.

b) Clients' Micro Credit Insurance for special client (Risk Fund):

The objective of this fund is to provide instant assistance to that family with a view to stop reducing their deposit and keep them a bit far from taking loan where the principal wage earner is died. The member who is enrolled with this fund is eligible to receive this assistance if that member/husband of that member/principal wage earner dies.

5.03. Policy on savings collection:

All deposits are payable to the clients on demand before maintaining all formalities of the organization. The organization offers deposits services to all its clients keeping in view of the following :

a) The poor people have a formidable capacity of deposits. The organization provides a secured place to keep deposits, increasing financial strength and capital growth of the clients with a view to reduce their dependency on external resources and

b) Improving the sustainability of the institution by developing a relatively stable means to finance its loan portfolio.

5.04. Grant/ Donation Accounting:

Grants are recognized in the financial statements at their fair value, shall not be recognized until there is reasonable assurance that: (a) will comply with the conditions attaching to them; and (b) will be received.

When the grant relates to an expenses it is recognized as income over the period necessary to match it with the costs, which it is intended to compensate for on a systematic basis.

Grants related to assets are generally deferred in the Statement of Financial Position and credited to the statement of comprehensive income over the useful life of the asset.

In the case of grants received to fund an entire project or activity, which includes the purchase of an asset, and the cost of such asset in charged with the project costs to the statement of comprehensive income, the grant value is recognized as income in the same period as the cost of the asset is charged to the Statement of Comprehensive Income. On conclusion of the project, in the event that the asset is not handed over to the beneficiary or returned to the original donor, the cost of the asset is included in a memorandum inventory of Property, plant and equipment identified as such in the financial statement.

5.05. Grant/ Subsidies/ Donation (non refundable) received:

Project Name Donor Name 2013-2014 2012-2013

Palli Karma-Sahayak Foundation (PKSF) Palli Karma-Sahayak Foundation (PKSF) 51,761,880 40,127,220

Rame Breading Palli Karma-Sahayak Foundation (PKSF) 221,000 70,000

Value Chain Palli Karma-Sahayak Foundation (PKSF) 1,371,655 1,887,297

Enhancing resources and Increasing capacities Palli Karma-Sahayak Foundation (PKSF) 7,495,169 1,197,780 of poor Household Towards Elimination of their Poverty (ENRICH)



2013-2014 2012-2013

SOLAR (IDCOL) Infrastructure Development Company Ltd. (IDCOL) 8,308,926 -

UDDIPAN FUND Save the Children International (SCI) 2,115,058 -

Health Care Anukul Foundation 522,989 469,997

Gender action Action Learning System (GALS) Save the Children International (SCI) 21,000 197,460

Micro Initiative for Mutual Enabling (MIME) INAFI Bangladesh 2,728,274 1,699,294

Community Climate Change Project (CCCP) Palli Karma-Sahayak Foundation (PKSF) 305,489 -

Education to Protect Child and Youth Laborers' in Agriculture (EPCYLA) Save the Children International (SCI) 4,119,975 8,348,989

Education to Youth Empowerment (EYE) Save the Children International (SCI) 1,836,200 -

Disaster Risk Reduction (DRR) Save the Children International (SCI) 1,726,606 5,007,507

Strengthening Civil Society to Embedded Child Rights at all Levels (CRGA) Save the Children International (SCI) 1,797,878 1,754,523

Rural Urban Child Migration Project (RUCMP) Save the Children International (SCI) 12,325,179 21,585,896

Scaling up of Integrated Child Centered Save the Children International (SCI) 3,902,140 1,794,929 Climate Change Adaption Project In Bangladesh (CCA)

Developing Inclusive Insurance Sector Project (DIISP) Palli Karma-Sahayak Foundation (PKSF) 521,244 -

UDDIPAN TVET Project Empowering Vulnerable Teree des Hommes Netherlands 6,510,503.97 - Youngsers of the Port City of Chittagong in Bangladesh (TVET)

Strengthening Government Social Protection for the Poor (SGSP) Manusher Jonno Foundation (MJF) 1,526,027 -

Taka 109,117,193 84,140,892

6.00. Property, Plant & Equipment Tk. 172,106,382

a. Cost Value:

Balance as on 01.07.2013 198,292,799 172,839,991

Add: Addition during the year 70,205,013 30,471,768

Less: Adjustment during the year 17,043,830 5,018,960

Balance as on 30.06.2014 Total Cost Value 251,453,982 198,292,799

b. Accumulated Depreciation :

Balance as on 01.07.2013 63,838,887 53,036,597

Add: Addition during the year 16,272,221 10,763,534

Add: Adjustment during the year (763,508) 38,756

Balance as on 30.06.2014 Total Accumulated Depreciation 79,347,600 63,838,887

c. Written down value as on 30.06.2014 (a-b) Taka 172,106,382 134,453,912

** Details of Fixed Assets have been shown in Schedule - 1

7.00. Investment TK. 19,000,000

Balance as on 01.07.2013 1,000,000 -

Add: Investment during the year 900,000 1,000,000

1,900,000 1,000,000

Less: Realize during the year - -

Balance as on 30.06.2014 Taka 1,900,000 1,000,000



Uddipan Energy Ltd. is a private limited company registered under The Companies Act, 1994 (Act XVIII of 1994). This is a joint venture of Uddipan and Advanced Micro Energy Inc (AME), Canada . UDDIPAN own 51% share and AME own 49% share of the total share. The goal of Uddipan Energy Ltd. is to promote and supply renewable energy technology at an affordable rate to rural household of Bangladesh. Thus, its work not only focuses on the technical and capacity building sides of renewable energy promotion. They have also adopted the UDDIPAN's experience in micro financing to make renewable energy applications affordable for poor rural people.UDDIPAN Energy Ltd carry on commercial activities of renewable energy based power , agricultural and consumer business . To establish Solar , Biogas ,wind and hydro energy based micro power grid installation , power production , distribution , commission and transmission . The produced power will be retailed to the general customer with a prefixed tariff . To carry on business with solar panel import , Lithium , Lead acid , maintenance free battery , Gel, generator import , export , sales , distribution & service.

8.00. Loan to Clients: Tk. 4,653,554,108

Balance as on 01.07.2013 3,713,694,802 2,902,039,858

Add: Disburse during the year 8,407,853,204 6,885,901,700

12,121,548,006 9,787,941,558

Less: Realize during the year 7,467,993,898 6,074,246,756

Balance as on 30.06.2014 Taka 4,653,554,108 3,713,694,802

Loan to Clients are analyses as follows:

Amount receivable within 12 months 4,487,173,064 3,537,968,807

Amount receivable after 12 months: 166,381,044 175,725,995

Taka 4,653,554,108 3,713,694,802

Loan Classification & Days in Principal Loan Loss Principal Loan Loss Required Provision Arrears Provision Provision

2013-2014 2013-2014 2012-2013 2012-2013

Standard - Required Current 4,433,615,544 44,336,155 3,537,968,807 35,379,685 Provision 1% (no arrears)

Watchlist - Required 1-30 13,201,953 660,098 10,945,608 547,280 Provision 5%

Substandard - Required 31-180 24,334,478 6,083,620 16,391,549 4,097,887 Provision 25%

Doubtful - Required 181-365 16,021,089 12,015,817 9,998,662 7,498,997 Provision 75%

Bad - Required Over 365 166,381,044 154,426,624 138,390,176 138,390,176 Provision 100%

4,653,554,108 217,522,313 3,713,694,802 185,914,025

Note: As per PKSF instruction UDDIPAN cannot calculate Loan loss provision on RESCUE & SAHOS Loan Outstanding amounting Taka 6,357,812 and 5,596,608 respectively which amount include Bad Loan.

** Details of Loan to Clients have been shown in Schedule-2

Details of the above amount are as follows:

Rural Micro Credit (RMC) Loan : Tk. 1,312,906,385

This loan is to allow Rural People to finance their economic activities. RMC Loans are working capital loans given to poor and disadvantaged households. RMC Loan range from Tk. 4,000 to Tk. 50,000 are given for one year and service charge 25% to 27% (decline) per year.



Urban Micro Credit (UMC) Loan : Tk. 576,508,520

This loan is to allow Urban People to finance their economic activities. UMC Loans are working capital loans given to poor and disadvantaged households. UMC Loan range from Tk. 4,000 to Tk. 50,000 are given for one year and service charge 25% to 27% (decline) per year.

Micro Enterprise (ME) Loan : Tk. 1,408,766,131

Micro enterprise loans are assessed on the basis of household cash flow, business projections and the reputation of the borrower. The micro-enterprise loan borrowers are expected to generate equity and wage labour employment. Micro-enterprise loans range from Tk. 50,001 to Tk. 1,000,000 are given for one year and service charge 25% to 27% (decline) per year.

Seasonal Loan : Tk. 375,001,476

This loan is exclusively for agricultural and live stock activities and is designed to increase the farm activities. The Seasonal Loan also enhances "Social Food Security Net" of the households. Seasonal loan range from Tk. 5,000 to Tk. 50,000 are given for six months and service charge 25% to 27% (decline) per year or 2% (decline) per month.

Livelihood Restoration Tk. 15,668,564 Program (LRP) loan :

This loan is intended to reduce the effect of shocks to the clients' financial and physical assets immediately after natural disasters. The LRP Loan ranges from Tk.1,000 to Tk. 10,000.are given for one year and service charge 4% (flat rate) per year.

Ultra Poor Program (UPP) Loan : Tk. 345,691,806

This loan is provided to those section of people who are living at the extreme corner of poverty line in order to bring them in a position where they can fulfill their basic fundamental needs and update their civil status. UPP Loan ranges from Tk. 1,000 to Tk. 30,000 are given for one year and service charge 20% (decline) per year

Micro Finance Technical Tk. 1,136,270 Support (MFTS) Loan :

This loan is provided to the target people with a view to increase their implementation efficiency in terms of technicality in the area of hatchery, livestock, poultry etc. The range of MFTS Loan is from Tk. 5,000 to Tk. 100,000 are given for one year and service charge 12.5% (flat rate) per year.

Special Assistance for Housing of Tk. 5,596,608 SIDR Affected Borrowers (SAHOSH) Loan:

To assist the micro credit borrower for rebuilding or repairing their houses, the initiative of providing them interest free loan has been taken up in the name of SAHOSH. SAHOSH Loan ranges from Tk. 5,000 to Tk. 15,000 are given for three years.

Rehabilitation of SIDR Affected Tk. 6,357,812 Coastal Fishery, Small Business and Livestock Enterprises (RESQUE):

The ‘RESCUE’ project is initiated with the aim to provide financial assistance to the poultry farmer, cow rearer, shrimp farmer, fisher community and micro entrepreneurs to restart their IGA and thereby create employment opportunity. RESCUE loan ranges from Tk. 5,000 to Tk. 15,000.are given for three years and service charge 4% (flat rate) per year.

Agriculture Loan: Tk. 545,883,787


Emergency 2007 Flood Restoration Tk. 185,319 and Recovery Assistance



Program (EFRRAP) Loan:

This loan is intended to reduce the effect of shocks to the clients' financial and physical assets immediately after natural disasters. The LRP Loan ranges from Tk.1,000 to Tk. 5,000.are given for one year and service charge 4% (flat rate) per year.

Grihayan Loan Tk. 272,158

To reduce the housing vulnerability of the disadvantaged rural community this loan in taken from the housing fund of Bangladesh Government and disbursed among the rights deprived disadvantaged community people particularly those who are the victims of river erosion, cyclone, flood and fire out with a view to build and rebuild their houses. This loan has a provision of six months grace period and is given for ten years tenure and the rate of interest is 5%.

Green Energy Project Tk. 3,744,256 (Solar Home System-SHS)

It is a new intervention of UDDIPAN to provide electricity in the household level by using solar energy with the technical assistance of Rahimafroz Bangladesh Limited where national electric gridline is not yet established. The project is started in May 2011 and is initially being implemented in 40 Branches of Laxmipur, noakhali, Chandpur, Comilla, patuakhali and Barguna district. Gradually it will expand in other working areas. As on June 2014, 312 no. of SHS have been installed in the project areas.

Green Energy Project Tk. 51,085,190 (Solar Home System-SHS, IDCOL)

It is a new intervention of UDDIPAN to provide electricity in the household level by using solar energy with the fund of Infrastructure development Compant Ltd (IDCOL) and provide donation on sale of SHS. The project is started in February, 2013 and is initially being implemented in 40 Branches of Laxmipur, noakhali, Chandpur, Comilla, patuakhali and Barguna district. Gradually it will expand in other working areas. As on June 2014, 312 no. of SHS have been installed in the project areas.

Enhancing Resources and Increasing Tk. 23,700 Capacities of Poor Households Towards Elimination of their Poverty (ENRICH)

It is an integrated pilot project started in February 2010 with the assistance of PKSF which is being implemented in Parerhat union of Zianagar upazila under the district of Pirojpur. The major activities of the project are training, health, child education, water and sanitation, improved Chula, solar lantern and solar home system, bio gas plant and plantation of medicinal plants etc.

Learning and Innovation Tk. 4,230,933 Fund to Test New Ideas (LIFT)

"This initiative is being taken in Kurigram Sadar and Chilmari upazila of Kurigram district under 5 branches where every year many families lost their house with cultivable land by river erosion and became landless. This distress poor family try their best to survive and sale their manual labor to landlord. The objective of the project is to give them loan to take land on lease and produce seasonal crops to ensure food security. As on June 2012 UDDIPAN covered 101 villages under 16 unions with 243 no. of beneficiary and cumulative disbursement of loan tk.4.58 millions only. This loan is given for one year and service charge 20% (decline) per year."

ROBI Tk. 2,000

It is a new intervention of UDDIPAN to provide tele communication facilities in the rural community under the name of ROBI SHAFOLLO with collaboration of ROBI AXIATA. The project is initially being implemented in 6 Branches of Rajshahi district. Gradually it will expand in other working areas. This loan is given for one year and service charge 25% to 27% (decline) per year.

ENRICH- IGA Tk. 493,193




2013-2014 2012-2013

9.00. Others Loan Tk. 43,474,917

Balance as on 01.07.2013 38,326,049 31,229,548

Add: Paid during the year 18,234,336 20,493,714

56,560,385 51,723,262

Less: Realised during the year 13,085,468 13,397,213


** Details of Term Deposit have been shown in Schedule - 3

Staff Loan (Special) 22,664,984 21,964,375

Motor cycle Loan 15,262,870 15,707,420

Staff Loan - PKSF (Normal) 5,465,163 569,854

Bi-cycle Loan 81,900 84,400

43,474,917 38,326,049

Others Loans are analyses as follows: Amount receivable within 12 months 16,899,749 27,111,489 Amount receivable after 12 months: 26,575,168 11,214,560

Taka 43,474,917 38,326,049

10.00. Term Deposits: Tk. 302,600,000

Name of fund Fund position Investment on FDR % of Investment

Uddipan Fund A/C - 50,000,000 -

Deposit 1,690,456,575 165,600,000 10%

Reserve Fund 61,861,542 52,500,000 85%

DMF - 34,500,000 -

1,752,318,117 302,600,000

Balance as on 01.07.2013 180,600,000 147,000,000

Add: Investment made during the year 192,000,000 130,600,000

372,600,000 277,600,000

Less: Encashment during the year 70,000,000 97,000,000


** Details of Term Deposit have been shown in Schedule - 4

11.00. Inventories: Tk. 22,647,001 Balance as on 01.07.2013 13,116,326 2,734,985

Add: Purchases during the year 68,171,375 16,575,496

81,287,701 19,310,481

Less: Use during the year 58,640,700 6,194,155


** Details of Inventories have been shown in Schedule-5



2013-2014 2012-2013

12.00. Accounts Receivable : Tk. 50,523,606

Balance as on 01.07.13 44,314,389 22,126,477

Add : Accrued during the year 81,228,077 45,736,806

125,542,466 67,863,283

Less : Realize during the year 75,018,860 23,548,894


Details are as below:

Related undertakings

Palli Karma-Sahayak Foundation (PKSF) 29,844,792 35,092,741

Interest on Term Deposit 18,325,678 8,430,231

From Staff 45,553 45,553

Save the Children International (SCI) 180,244 164,990

Ain O Salish Kendra (ASK) 42,871 -

Hilfswerk Der Evangelischen Kirchen Schweiz (SEKS) 9,324 -

SOLAR (IDCOL) 1,784,561 -

Anukul Foundation (AF) 290,583 158,160

NGO Federation - 7,860

Rural Urban Child Migration Project (RUCMP) - 47,342

Social Development Foundation (SDF) - 156,663

Institute of Microfinance (InM) - 203,940

UDDIPAN Energy Ltd. - 6,909

Taka 50,523,606 44,314,389

** Details of Accounts Receivable have been shown in Schedule-6

13.00. Deposits and Prepayments Tk. 24,745,575

Balance as on 01.07.13 42,358,752 29,373,871

Add : Paid during the year 51,741,504 42,154,328

94,100,256 71,528,199

Less : Realised during the year 69,354,681 29,169,447


Details are as below:

Prepayments against Office Rent 1,910,500 1,199,305

Prepayments against Procurement & Office Expenses 1,802,500 15,847,103

Prepayments for Land & Building (The Good Earth) - 6,000,000

Prepayments against Security Deposit (Electric Line) 120,000 120,000

Prepayments against Land Lease 24,816 37,212

Building & Other Constructions 664,084 803,545

Advance Tax 20,223,675 18,331,587

Advance Against Furniture - 20,000

Taka 24,745,575 42,358,752

** Details of Deposits & Prepayments have been shown in Schedule-7



2013-2014 2012-2013

14.00. Cash & Cash equivalents: Tk. 668,133,711

13.01 Cash in hand 22,615,470 15,326,815

13.02 Cash at Bank 645,518,241 256,974,380

Taka 668,133,711 272,301,195

** Details of Loan & Prepayments have been shown in Schedule-8

15.00. Cumulative surplus Tk. 614,109,181 Balance as on 01.07.2013 495,980,777 349,181,814 Add: Excess of Income over Expenditure 133,898,303 167,319,511 Add :Prior year Adjustment (2,888,137) (4,042,117) Less: Transfer to Reserve Fund 12,881,762 16,478,431


Adjustment occured previous years which transaction had not adjusted during that period such as Village Organization Fund (VOF), closed projects (CDP & LP), Assets sales, performance bonus as salary etc.

16.00. Reserve Fund Tk. 61,861,542 Balance as on 01.07.2013 48,979,780 32,501,349 Add: During the year 12,881,762 16,478,431


17.00. Loan Loss Reserve Fund: Tk. 224,661,854 Balance as on 01.07.2013 185,914,351 228,414,841 Add: Provision during the year 38,747,503 30,641,812

224,661,854 259,056,653

Less: Adjustment during the year - 73,142,302


17.01. MFP-I 220,318,916 183,098,63817.02. MFP-III 3,764,162 2,580,16217.03. Green Energy (UDDIPAN) 93,018 93,01817.04. Green Energy (IDCOL) 187,944 29,47317.05. SHYAMMA 297,814 113,060

Taka 224,661,854 185,914,351

17.01. MFP-I Tk. 220,318,916 Balance as on 01.07.2013 183,098,638 226,487,081 Add: Provision during the year 37,220,278 29,706,887

220,318,916 256,193,968

Less: Adjustment During the year - 73,095,330


17.02. MFP-III Tk. 3,764,162

Balance as on 01.07.2013 2,580,162 1,927,760

Add: Provision during the year 1,184,000 699,374

3,764,162 2,627,134

Less: Adjustment During the year - 46,972




2013-2014 2012-2013

17.03. Green Energy (UDDIPAN) Tk. 93,018

Balance as on 01.07.2013 93,018 - Add: Provision during the year - 93,018

93,018 93,018

Less: Adjustment During the year - -

Balance as on 30.06.2014 Taka 93,018 93,018

17.04. Green Energy (IDCOL) Tk. 187,944 Balance as on 01.07.2013 29,473 -

Add: Provision during the year 158,471 29,473

187,944 29,473



17.05. SHYAMMA Tk. 297,814 Balance as on 01.07.2013 113,060 -


297,814 113,060



18.00. Disaster Management Fund (DMF) Tk. 40,544,328

The Disaster Management Fund is initiated with the aim to provide financial assistance or rehabilitation or mitigate any undue situation or natural calamity/devastation. UDDIPAN creates provision of 1% on the service charge of Micro Finance income.

Balance as on 01.07.2013 31,583,474 24,288,733 Add: Provision during the year 8,960,854 7,294,741


18.01. MFP-I 39,996,857 31,208,283

18.02. MFP-III 532,963 367,134

18.03. SHYAMMA 14,508 8,057

Taka 40,544,328 31,583,474

18.01. MFP-I Tk. 39,996,857 Balance as on 01.07.2013 31,208,283 24,048,737 Add: Provision during the year 8,788,574 7,159,546


18.02. MFP-III Tk. 532,963

Balance as on 01.07.2013 367,134 239,996



18.03. SHYAMMA Tk. 14,508 Balance as on 01.07.2013 8,057 - Add: Provision during the year 6,451 8,057




2013-2014 2012-2013

19.00. Term Loan Tk. 2,956,172,242

19.01. A. Loan from Palli Karma-Sahayak Foundation (PKSF) 1,551,296,660 1,454,333,326 B.Loan from Commercial Banks

i) ONE Bank Ltd. - 12,500,000

ii) Eastern Bank Ltd. 105,517,946 101,068,488

iii) IFIC Bank Ltd. 61,172,499 198,234,779

iv) Dutch Bangla Bank Ltd. 200,000,000 200,000,000

v) Bank Asia Ltd. 262,553,221 150,000,000

vi) BRAC Bank Ltd. 100,000,000 -

vii) Standard Bank Ltd. 300,000,000 -

viii) Shahjalal Bank Ltd. 100,000,000 -

ix) Trust Bank Ltd. 200,000,000 -

Bank Loan Total 1,329,243,666 661,803,267

Sub Total 2,880,540,326 2,116,136,593

19.02. Loans from IDCOL 39,785,964 3,723,822

19.03. Loan from Anukul Foundation 35,845,952 28,025,549

Grand Total 2,956,172,242 2,147,885,964

Particulars are as follows:

Balance as on 01.07.2013 2,147,885,965 1,788,955,460

Add: Received during the year 2,523,012,142 1,724,123,822

4,670,898,107 3,513,079,282

Less: Refund during the year 1,714,725,864 1,365,193,317


Term Loans are analyses as follows:

Amount repayable within 12 months 1,727,905,103 1,287,120,109

Amount repayable after 12 months:

Repayable after 12 months but less than 24 months 825,102,580 676,584,078


Repayable after 36 months but less than 48 months 24,516,557 -

1,228,267,139 860,765,856

Taka 2,956,172,242 2,147,885,965

19.01. Palli Karma Sahayak Foundation (PKSF) : Tk. 2,880,540,327

Particulars:

Balance as on 01.07.2013 2,116,136,594 1,760,458,361


4,579,086,594 3,466,858,361

Less: Refund during the year 1,698,546,267 1,350,721,767




Term Loans are analyses as follows:

Amount repayable within 12 months 1,705,795,424 1,271,916,249

Amount repayable after 12 months:



Repayable after 36 months but less than 48 months - -

1,174,744,901 847,944,167

Taka 2,880,540,325 2,119,860,416

19.01.A. Palli Karma Sahayak Foundation (PKSF) : Tk. 1,551,296,660

Rural Micro Credit (RMC) Loan Tk. 437,280,000

This loan is taken from PKSF and the duration of this loan is three years with a grace period of six months. The loan is repaid to the funding agency on quarterly basis with a declining method of interest of 8%. UDDIPAN received five installments of this component of loan from PKSF since reporting period.

Rural Micro Credit (RMC-KGF) Loan Tk. 9,000,000


Urban Micro Credit (UMC) Loan Tk. 180,720,000


Micro Enterprise (ME) Loan Tk. 434,000,000

This loan is taken from PKSF and the duration of this loan is three years with a grace period of six months. The loan is repaid to the funding agency on quarterly basis with a declining rate of interest 8%. UDDIPAN received three installment of this component of loan from PKSF since reporting period.

Micro Enterprise (ME-KGF) Loan Tk. 14,500,000

This loan is taken from PKSF and the duration of this loan is three years with a grace period of six months. The loan is repaid to the funding agency on quarterly basis with a declining rate of interest 8%. UDDIPAN received three installment of this component of loan from PKSF since reporting period.

Seasonal Loan Tk. 150,000,000

This loan is taken from PKSF and the duration of this loan is six months. The loan is repaid to the funding agency in a single installment with interest rate of 8%.

Seasonal Loan-KGF Loan Tk. Nill

This loan is taken from PKSF and the duration of this loan is eight months. The loan is repaid to the funding agency in a single installment with interest rate of 8%.

Ultra Poor Program (UPP) Loan Tk. 258,299,993

This loan is taken from PKSF and the duration of this loan is two years with a grace period of six months. The loan is repaid to the funding agency on quarterly basis and be paid within six installment with a rate of interest 3%. UDDIPAN received three installment of this component of loan from PKSF since reporting period.

Agriculture Loan Tk. Nill

This loan is taken from PKSF and the duration of this loan is one years with a grace period of six months. The loan is repaid to the funding agency on quarterly basis with a declining method of interest of 7%. UDDIPAN received two installments of this component of loan from PKSF since reporting period.



Agriculture - KGF Loan Tk. 40,000,000

This loan is taken from PKSF and the duration of this loan is six months. The loan is repaid to the funding agency in a single installment with interest rate of 8%.

Learning and Innovation Fund to Tk. 5,166,667 Test New Ideas (LIFT) Loan

This loan is taken from PKSF and the duration of this loan is two years with a grace period of six months. The loan is repaid to the funding agency on quarterly basis with a declining method of interest of 1%. UDDIPAN received one installment of this component of loan from PKSF since reporting period.

DML Loan Tk. 16,000,000

This loan is taken from PKSF and the duration of this loan is two and half years with a grace period of six months. The loan is repaid to the funding agency in two equal instalment with a declining method of interest of 0.5%. UDDIPAN received one installment of this component of loan from PKSF since reporting period.

Enhencing Resources and Increasing Tk. 5,930,000 Capacities of Poor Household Towaeds Elimination of their Poverty (ENRICH) Loan

This loan is taken from PKSF and the duration of this loan is three years with a grace period of six months. The loan is repaid to the funding agency on quarterly basis with a declining method of interest of 8%. UDDIPAN received one installment of this component of loan from PKSF since reporting period.

ENRICH -Assets Creation Loan Tk. 250,000

This loan is taken from PKSF and the duration of this loan is three years five months with a grace period of six months. The loan is repaid to the funding agency on quarterly basis with a declining method of interest of 2%. UDDIPAN received one installment of this component of loan from PKSF since reporting period.

ENRICH - Livelihood Loan Tk. 150,000

This loan is taken from PKSF and the duration of this loan is two years six months with a grace period of six months. The loan is repaid to the funding agency on quarterly basis with a declining method of interest of 2%. UDDIPAN received one installment of this component of loan from PKSF since reporting period.

2013-2014 2012-2013

Balance as on 01.07.2013 1,454,333,326 1,415,463,332


2,740,083,326 2,615,963,332

Less; Refund during the year 1,188,786,666 1,161,630,006


19.01.B. Loans from Commercial Banks: Tk. 1,329,243,666

19.01.B. i) ONE Bank Ltd. Tk. Nill

From ONE Bank Limited loan is taken and the duration of this loan is two and a half years with a grace period of six months. The loan is repaid to the Bank in 8 equal quarterly installments with interest of 12.50%.UDDIPAN not received any installments of loan from bank since reporting period.

Balance as on 01.07.2013 12,500,000 62,500,000

Add: Received during the year - -

12,500,000 62,500,000

Less: Received during the year 12,500,000 50,000,000

Balance as on 30.06.2014 Taka - 12,500,000

19.01.B. ii) Eastern Bank Ltd. Tk. 105,517,946

From Estern Bank Limited Tk. 127,200,000 is taken and the duration of this loan is three years with a grace period of six months. The loan is repaid to the Bank in 10 equal quarterly installments with interest of 13.00%. UDDIPAN received two installments of this component of loan from bank since reporting period.



2013-2014 2012-2013

Balance as on 01.07.2013 101,068,488 82,495,028

Add: Received during the year 127,200,000 55,900,000

228,268,488 138,395,028

Less: Refund during the year 122,750,542 37,326,540


19.01.B. iii) IFIC Bank Ltd. Tk. 61,172,499

From IFIC Bank Limited Tk. 10,00,00,00 has been taken and the duration of this loan is three years with a grace period of six months. The loan is quterly repaid to the Bank in 10 equal quarterly installments with interest of 13%.

Balance as on 01.07.2013 198,234,779 200,000,000

Add: Received during the year - 100,000,000

198,234,779 300,000,000



19.01.B. iv) Dutch Bangla Bank Ltd. Tk. 200,000,000

From Dutch Bangla Bank Limited Tk. 20,00,00,000 has been taken and the duration of this loan is nine months. The loan is nine month loan. The loan is repaid to the Bank in single installment with interest of 13%.

Balance as on 01.07.2013 200,000,000 -


400,000,000 200,000,000

Less: Refund during the year 200,000,000 -


19.01.B. v) Bank Asia Ltd. Tk. 262,553,221

From Bank Asia Limited Tk. 150,000,000 has been taken and the duration of this loan is two years with a grace period of six months. The loan is quterly repaid to the Bank in single installment with interest of 13%.

Balance as on 01.07.2013 150,000,000 -


300,000,000 150,000,000

Less: Refund during the year 37,446,779 -


19.01.B. v) BRAC Bank Ltd. Tk. 100,000,000

From BRAC Bank Limited Tk. 100,000,000 has been taken and the duration of this loan is nine months. The loan is repaid to the Bank in single installment with interest of 13%.

Balance as on 01.07.2013 - -

Add: Received during the year 100,000,000 -

100,000,000 -

Less: Refund during the year - -

Balance as on 30.06.2014 Taka 100,000,000 -


2013-2014 2012-2013

19.01.B. v) Standard Bank Ltd. Tk. 300,000,000

From Standard Bank Limited Tk. 300,000,000 has been taken and the duration of this loan is five years with a grace period of three months. The loan is repaid to the Bank in querterly installment with interest of 13%.

Balance as on 01.07.2013 - -


300,000,000 -



19.01.B. v) Shahjalal Bank Ltd. Tk. 100,000,000

From Bank Asia Limited Tk. 300,000,000 has been taken and the duration of this loan is three years. The loan is repaid to the Bank in quterly installment with interest of 13%.

Balance as on 01.07.2013 - -


100,000,000 -



19.01.B. v) Trust Bank Ltd. Tk. 200,000,000

From Bank Asia Limited Tk. 300,000,000 has been taken and the duration of this loan is three years. The loan is repaid to the Bank in quterly installment with interest of 12.5%.

Balance as on 01.07.2014 - -


200,000,000 -



19.02. Loans from - IDCOL Tk. 39,785,964

From IDCOL Tk. 3,723,578 has been taken and the duration of this loan is two years with a grace period of one year. The loan is repaid to the organization in four equal installment with interest rate of 6%.

Balance as on 01.07.2013 3,723,822 - Add: Received during the year 36,062,142 3,723,822

39,785,964 3,723,822



Term Loans are analyses as follows: Amount repayable within 12 months 3,288,767 -

Amount repayable after 12 months: Repayable after 12 months but less than 24 months 5,990,320 1,189,228 Repayable after 24 months but less than 36 months 5,990,320 1,189,228 Repayable after 36 months but less than 48 months 24,516,557 1,345,366

36,497,197 3,723,822

Taka 39,785,964 3,723,822

** Details of Term Loan have been shown in Schedule - 9



19.03. Loan from Anukul Foundation Tk. 36,317,502

This loan is taken from Anukul Foundation for improving the livelihood security of the poor people of Bangladesh through Micro Finance , Micro Enterprise and other Financial Service. The duration of this loan is three years . The loan is repaid to the funding agency with a simple interest rate of 8% per annum on declining balance method in 12 (twelve) quarterly installments. The first installment, which is due after 3 months from the date of loan received, will constitute only the interest amount. The principal amount and interest will be paid in remaining 11 installments. UDDIPAN received two installment from Anukul Foundation since reporting period.

2013-2014 2012-2013

Balance as on 01.07.2013 28,497,099 20,386,187

Add: Receive during the year 24,000,000 21,000,000

52,497,099 41,386,187



Term Loans are analyses as follows: Amount repayable within 12 months 18,820,911 14,955,808 Amount repayable after 12 months: Repayable after 12 months but less than 24 months 12,560,969 8,615,067 Repayable after 24 months but less than 36 months 4,935,622 4,926,224 Repayable after 36 months but less than 48 months - -

17,496,591 13,541,291

Taka 36,317,502 28,497,099

** Details of Term Loan have been shown in Schedule - 9

20.00. Client's Deposit Tk. 1,690,456,575

Short Term Deposit (STD): Tk. 1,343,068,183

This deposit is not usually withdraw able and regularly deposited by the client. In special cases a portion of this deposit cab be withdraw once in a year by taking the approval of appropriate authority and by keep depositing of 50% of loan outstanding. Clients can choose to deposit weekly savings in the rangs of Taka 10. A rate of 6% interest is implied with this deposit. The Client/nominee has to come to office physically during the time of withdraw of deposit. Depositing taka 10 in every week for each client is mandatory. This deposit can be withdrawn if following incidents happen. 1. Death of the Client. 2. Disability of client by an accident. 3. Death of the principal wage earner. 4. Suffering from incurable diseases. 5. Marriage of daughter. Deposits can be withdrawn once in a year for the mentioned causes. An interest rate of 6% to be given with the deposit.

Current Deposit (CD): Tk. 139,454,535

Small depositors usually value convenient, easy access and relatively secure delivery deposit services above all else. The deposits account is like a current account, where clients can save or withdraw the amount on demand. This deposits stands for those deposits which the clients deposit voluntarily behind their regular deposit. The minimum depositing amount of this fund is Tk. 10.00 to above. This special deposit is to be mentioned in the pass book, subsidiary ledger, general ledger individually and no interest is distributed for this deposit. While refunding this deposit, the clients has to come to officer and complete the required process for withdrawn.

Monthly Deposit Scheme(MD): Tk. 176,507,626

This deposit is only for UDDIPAN clients. This deposit has various tenure and nit usually withdraw able. If a client want to withdraw the amount of account will be close and not get last tenure amount and deposit amount of Tk. 200/-, 300/-, 400/-, 500/- and Tk. 1000/- .after certain period clients will get a fixed amount in various amount. When a client withdraw the amount immature period they get interest 4.5% to 5.5% in various period. But if client withdraw the deposit before one year he/ she not get interest.



Fixed Deposit Scheme (FD): Tk. 5,438,300

This deposit is only for UDDIPAN clients. This deposit has various tenure and nit usually withdraw able. If a client want to withdraw the amount of account will be close and not get last tenure amount and deposit amount of Tk. 5,000/-, 10,000/-, 20,000/-, 30,000/-, 50,000/-, and Tk. 100,000/-. After certain period clients will get a fixed amount in various amount. When a client withdraw the amount immature period they get interest various period. But if client withdraw the deposit before one year he/she not get any interest.

Double Growth Deposit (DGD) Tk. 13,301,892

This deposit is only for UDDIPAN clients. This deposit has various tenure and nit usually withdraw able. Minium deposit amount is Tk. 10,000/- only and period is six years. If a client want to withdraw the amount of account before meaturity period he/she get normal savings rate of interest (6%).

Lacpati Deposit (LD) Tk. 7,249,389

This deposit is only for UDDIPAN clients. This deposit has various tenure and nit usually withdraw able. If a client want to withdraw the amount of account will be close and not get last tenure amount and deposit amount of Tk. 2,390/-, 1,700/-, 1,290/-,1,000 /-, 680/- and Tk. 480/- .after certain period clients will get a fixed amount in various amount. When a client withdraw the amount immature period they get interest 6% to 10% in various period. But if client withdraw the deposit before one year he/ she not get interest.

Triple Growth Bebefit Scheme (TGB) Tk. 1,780,000

This deposit is only for UDDIPAN clients. The scheme may be opened at least taka 10,000. The scheme will be meatured nine years six months after opening the accounts. When a client withdraw the amount immature period they get interest normal savings interest. But if client withdraw the deposit before one year he/ she does not get any interest.

Monthly Benefit Scheme (MBS) Tk. 3,656,650

This deposit is only for UDDIPAN clients. The monthly benefit scheme will be minimum three years and minimum deposit taka 1,00,000 and will get monthly benefit taka 950 per Lac.

2013-2014 2012-2013

Short Term Deposit (STD) 1,343,068,183 1,098,554,244

Current Account Deposit (CAD) 139,454,535 120,565,200

Sub- Total 1,482,522,718 1,219,119,444

Monthly Deposit (MD) 176,507,626 100,174,773

Fixed Deposit (FD) 5,438,300 3,646,432

Double Growth Deposit (DGD) 13,301,892 280,000

Lacpati Deposit (LD) 7,249,389 24,490

Triple Growth Bebefit Scheme (TGB) 1,780,000 -

Monthly Benefit Scheme (MBS) 3,656,650 -

Sub- Total 207,933,857 104,125,695

Grand Total Taka 1,690,456,575 1,323,245,139

Balance as on 01.07.2013 1,323,245,139 1,050,875,900


2,294,619,422 1,807,284,283


Add: Deposit Interest 69,278,778 55,857,347


** Details of Client's Deposit have been shown in Schedule - 10



21.00 Staff Welfare Deposits Tk. 20,950,380

Monthly Deposit Scheme(MD): Tk. 12,154,624

This deposit is only for UDDIPAN employee. This deposit has various tenure and nit usually withdraw able. If a employee wants to withdraw the amount of account will be close and not get last tenure amount and deposit amount of Tk. 200/-, 300/-, 400/-, 500/- and Tk. 1000/- after certain period clients will get a fixed amount in various amount. When a client withdraw the amount immature period they get interest 4.5% to 5.5% in various period. But if client withdraw the deposit before one year he/ she not get interest.

Fixed Deposit Scheme (FD): Tk. 50,000

This deposit is only for UDDIPAN employee. This deposit has various tenure and nit usually withdraw able. If a employee wants to withdraw the amount of account will be close and not get last tenure amount and deposit amount of Tk. 5,000/-, 10,000/-, 20,000/-, 30,000/-, 50,000/-, and Tk. 100,000/-. After certain period clients will get a fixed amount in various amount. When a client withdraw the amount immature period they get interest various period. But if client withdraw the deposit before one year he/she not get any interest.

Double Growth Deposit (DGD) Tk. 300,000

This deposit is only for UDDIPAN employee. This deposit has various tenure and nit usually withdraw able. Minium deposit amount is Tk. 10,000/- only and period is six years. If a employee wants to withdraw the amount of account before meaturity period he/she get normal savings rate of interest (6%).

Lacpati Deposit (LD) Tk. 2,138,976

This deposit is only for UDDIPAN employee. This deposit has various tenure and nit usually withdraw able. If a employee wants to withdraw the amount of account will be close and not get last tenure amount and deposit amount of Tk. 2,390/-, 1,700/-, 1,290/-,1,000 /-, 680/- and Tk. 480/- .after certain period clients will get a fixed amount in various amount. When a emploee withdraw the amount immature period they get interest 6% to 10% in various period. But if client withdraw the deposit before one year he/ she not get interest.

Triple Growth Bebefit Scheme (TGB) Tk. 6,780

This deposit is only for UDDIPAN employee. The scheme may be opened at least taka 10,000. The scheme will be meatured nine years six months after opening the accounts. When a employee withdraw the amount immature period they get normal savings interest rate. But if client withdraw the deposit before one year he/ she does not get any interest.

Monthly Benefit Scheme (MBS) Tk. 6,300,000

This deposit is only for UDDIPAN employee. The monthly benefit scheme will be minimum three years and minimum deposit taka 1,00,000 and will get monthly benefit taka 950 per Lac.

2013-2014 2012-2013

Monthly Deposit (MD) 12,154,624 9,664,667 Fixed Deposit (FD) 50,000 - Double Growth Deposit (DGD) 300,000 - Lacpati Deposit (LD) 2,138,976 - Triple Growth Bebefit Scheme (TGB) 6,780 - Monthly Benefit Scheme (MBS) 6,300,000 - Grand Total Taka 20,950,380 9,664,667

Balance as on 01.07.2013 9,664,667 8,608,390 Add: Received during the year 28,235,090 2,287,733 37,899,757 10,896,123 Less: Refund during the year 16,951,962 1,231,456 Add: Deposit Interest 2,585 - Balance as on 30.06.2014 Taka 20,950,380 9,664,667 ** Details of Client's Deposit have been shown in Schedule - 11



2013-2014 2012-2013

22.00. Staff Gratuity Fund Tk. 97,293,593 Balance as on 01.07.2013 62,048,070 56,060,498 Add: Received during the year 38,519,150 9,626,156

100,567,220 65,686,654

Less: Paid during the year 3,273,627 3,638,584


23.00. Motor cycle Replacement Fund : Tk. 4,922,520 Balance as on 01.07.2013 4,582,515 4,459,659 Add: Received during the year 354,951 179,273

4,937,466 4,638,932

Less: Refund during the year 14,946 56,417


24.00. Staff Security deposit : Tk. 8,378,447

Balance as on 01.07.2013 7,814,947 7,451,647 Add: Received during the year 2,094,700 2,173,700

9,909,647 9,625,347

Less: Paid during the year 1,531,200 1,810,400


** Details of Staff Security Deposit (Note No. 12)

25.00. Staff Welfare fund : Tk. 13,814,865

Rate of Subscription: The rate of subscription for the staff members will be as follows:

Basic pay per month Rate of subscription



above 3.000 75/= per month

The subscription will be realized by deducting the same from the monthly salary at the time of its payment the grant to a staff member will be allowed at the rate of 50% of the total subscribed amount by the incumbent.

Process of allowing grant

A staff member will be allowed grant after one year of his joining of the fund. However, the trustee board may allow a grant to a member if his membership is 6 months old but less than a year. A member of the fund will be eligible to apply for financial benefit from the fund on the following counts:

a) In case of serious diseases like cancer, disease requiring complicated operation etc.

b) Loss of life & physical handicapcy due to accident

c) Creamtion of dead body of an employee

d) Stipend to meritorious children of an employee

Balance as on 01.07.2013 12,218,533 10,777,542


14,290,785 12,908,108

Less: Paid during the year 475,920 689,575




26.00. Clint's Micro Insurance Fund: Tk. 182,564,372

Clint's Micro Credit Insurance Fund: Tk. 138,488,488

The objective of clients micro credit insurance is to provide financial assistance to those borrowings' family who die during his/her and her husband/legal gurdian tenure as loanee and wave the outstanding loan amount of clients, If the client or their wife or husband die provide Tk. 1000/- for furenal. To have clientship of this fund interested borrowing has to deposit Taka 10/- against taken loan Tk. 1000/- in clients micro credit insurance fund in each borrowing to get the clientship of this fund. The validity of the clientship of this fund is for one year and the clientship cam be renewad by paying Taka 10/- as soon as the client gets another loan from the organization. And only the borrower will have the eligibility to be the client of this fund. The money deposited in this fund is not refundable. But the deposit amount will be refund after client die. The haed core poor client or the clients involved in FSVGD program are not eligible to this fund if. The client whose year more rhan 55 years are not entiled to imvolve this fund. If the client get more than one loan from UDDIPAN he/she get benifit from all loan product. But if a client take loan from UDDIPAN more one branch they will eligable to get assistance lower amount of loan outstanding. Some changes has been made with CMCI policy which has been effected since May 2013.

Health Insurance Tk. 533,806

The objective of Health Insurance is to assistance of financial support to borrowers, if the borrowers or his/her husband/wife will die during the normal repayment period then receiving loan outstanding balance will not refund and will get a amount of taka 5,000/- for funeral.Original duration will be taken which is lowest period between the original duration of loan and installment payment period.The premium is to be paid at the time of receiving loan and it is not refundable.

Live Stock Insurance Tk. 1,252,650

The live stock insurance to be considered under the seasonal loan program against beef fattening. Under this program taka 10/- is taken per 1,000/- as live stock premium and taka 20/- is taken for each cow as pravat fee. The duration of insurance coverage preiod is 6 to 9 months from the date of loan disbursed.If the borrowers or his/her insured cow die during the normal loan repayment period, his/her receiving loan outstanding balance will not be refunded.

Client Life Insurance Premium Tk. 42,289,428

The objective of client life insurance is to ensure the socio-economic security of the beneficiaries.The people who are in 18 to 47 years old can be taken a policy by paying taka 10/- as admission fee and monthly installment of taka 200/-,300/-, 400/-,500/-,700/-, or 1000/- for a preiod of 5 years, 7 years, 10 or 12 years repectively.If any client surrenders his policy before one year, he will not entitle to get any benefit as well as his deposited premium but after the completion of one year, he will get the benefits and deposited premium according to the policy. If any insured client is died, his/her nominee will get taka 2,000/- for furenal and the final sattlement is refund to nominee with in 1-15 days after his/her application.

2013-2014 2012-2013

Balance as on 01.07.2013 88,528,280 51,555,070 Add : Received during the year 138,358,074 46,815,184

226,886,354 98,370,254

Less : Claim Settlement during the year 44,321,982 9,841,974


Details are as flows: Clients' Micro Credit Insurance Regular 138,488,488 86,640,622 Health Insurance 533,806 - Live Stock Insurance 1,252,650 - Client Life Insurance Premium 42,289,428 1,887,658

182,564,372 88,528,280

** Details of Client's Micro Insurance Fund have been shown in Schedule - 13



2013-2014 2012-201327.00. Other Loans Tk. 44,976 Provident Fund Contribution 44,976 1,080,418 Provident Fund Loan - 155,424 Taka 44,976 1,235,842

Balance as on 01.07.13 1,235,842 1,240,439 Add: Received during the year 552,564 27,880,923 1,788,406 29,121,362 Less: Paid During the year 1,743,430 27,879,040 44,976 1,242,322 Less: Transfer to Loan & Prepayments - 6,480

Balance as on 30.06.2014 44,976 1,235,842

** Details of Other Loans have been shown in Schedule - 14

28.00. Accounts Payables : Tk. 12,169,179 Balance as on 01.07.13 10,578,479 2,872,003 Add: Provision during the year 30,583,539 11,771,837 41,162,018 14,643,840 Less: Realized during the year 28,992,839 4,065,361

Balance as on 30.06.2014 Taka 12,169,179 10,578,479 Details are as follows:1.00 Office Rent - 186,9002.00 Salary & Benefits Payable 17,161 80,9893.00 Vat Payable 516,640 883,3614.00 Tax Payable 1176371 1,156,2355.00 Audit Fees 190,000 173,2506.00 Payable to PKSF (IGA Maping) 127,520 535,2637.00 Motor-cycle Loan 32,500 25,5008.00 Received by absorption (The Good Earth) - 263,6069.00 Repair & Maintanance 17,500 -10.00 Customized Software - 93,65011.00 Computer 35,709 126,75012.00 Telephone - 9,00013.00 Equipment - 145,25014.00 Printing & Publication 1,428,346 1,090,99815.00 Stationery Payable - 2,89516.00 Promotional Activities 16,400 89,44317.00 Training, Meeting & Seminer 184,000 -18.00 Payable to MFP 168,000 168,00019.00 Leave Salary Payable 31,940 -20.00 TDH 21,947 21,94721.00 Security for meal charge 82,700 69,30022.00 Food Cost - 41,85923.00 Remittance Payable to Clients 84,328 147,53524.00 Travelling & Transportation 32,656 -25.00 Payable to Entrepreneur (Bandhu Chula) 300 3,10026.00 Green Energy (SHS) - 281,03727.00 JSF Technology Ltd. 6,092,215 4,820,24128.00 Payable to Other Project (ACD-Partner Organization) - 3,00029.00 Furniture - 33,12030.00 Credit rating Fees 150,000 126,25031.00 UDDIPAN Enery Ltd. 900,000 -

Taka 11,306,233 10,578,479 ** Details of Accounts payable have been shown in Schedule - 15



2013-2014 2012-2013

29.00. Provisions : Tk. 1,52,975

Balance as on 01.07.13 1,082,593 283,301

Add: Provision during the year 152,975 1,000,478

1,235,568 1,283,779

Less: Realized during the year 1,082,593 201,186

Balance as on 30.06.2014 152,975 1,082,593

Details are as follows:

1.00 General Expenses Payable - 9,264

2.00 Electricity Bill 40,000 38,350

3.00 Water & Gas 10,450 4,820

4.00 Traveling & Transportation 2,000 7,681

5.00 Provision for Dividend - 82,863

6.00 Salary & Benefits 28,025 -

7.00 Utilities 72,500 61,229

8.00 Repair & maintanance - 178,386

9.00 Legal Expenses - 700,000

Taka 152,975 1,082,593

Details has been shown in Schedule - 16

30.00. Others Liabilities: Tk. 11,588,271

This is made up as follows :

Balance as on 01.07.13 8,822,013 4,330,080

Add : Received during the year 48,882,339 4,771,693

57,704,352 9,101,773

Less : Paid during the year 46,116,081 279,760


Details of Other Liabilities:

1.00 Village Organization Fund - 3,106,403

2.00 Security Deposit (Building & Others) 273,595 375,050

3.00 Capacity Building Reserve Fund 691,759 199,595

4.00 Staff Contributory Emergency Fund (SCEF) 319,793 319,793

5.00 Client Security Deposit - 677,141

6.00 Advance Grant 9,212,978 4,144,031

7.00 Covariant Risk Fund ( Credit Insurance) 865,622 -

8.00 Covariant Risk Fund ( Livestock) 54,149 -

9.00 Uncertainty Reserve Fund (Livestock Insurance) 155,469 -

10.00 Covariant Risk Fund (Life Insurance) 14,906 -

Taka 11,588,271 8,822,013

** Details of Training & Development Expenses have been shown in Schedule-17



2013-2014 2012-2013

31.00. Service Charge Incom Tk. 925,943,646

Service Charge - Loan 915,503,848 734,859,304

Service Charge - Micro Insurance 10,439,798 -

925,943,646 734,859,304


32.00. Training & Development Expenses Tk. 37,344,470

Beneficiary Training & Development 27,768,443 28,419,923

Staff Training & Development 9,576,027 4,224,767

37,344,470 32,644,690


33.00. Key Micro-Finance Ratios:

a) Portfolio Quality:

Clients per Loan Collector 389 346

Borrower per Loan Collector 267 242

Portfolio per Loan Collector 4,436,181 3,483,766

Disbursement per Loan Collector 8,007,948 6,445,819

Cost per Tk. 100 lent 10.00% 6.00%

Cost per Loan 2,733 1,483

Income per loan made 3,136 2,696

On time realization rate 98.75% 98.89%

Cumulative Rate of Return (CRR) 99.41% 99.38%

Overdue as a % of total Portfolio 4.33% 6.57%

Loan Loss provision Ratio 4.83% 4.60%

Average Loan Size 26,123 23,418

Client Borrower Ratio 68.68% 70.02%

b) Profitability Analysis:

Operation Self Sufficiency (OSS) 160% 125%

Financial Self Sufficiency (FSS) 114.76% 113.18%

Return on Equity (ROE) 23.41% 16.29%

Return on Total Assets (RTA) 2.55% 1.97%

c) Assets/Liability Management:

Yield on Gross Portfolio 24.10% 20.47%

Current Ratio 1.7:1% 2.55:1

Annual Growth to Total Assets 33.74% 24.15%

Debt Capital Ratio 6.97:1 7.24:1

d) Liquidity Ratio 15.73 9.70



We have audited the financial statements of the UDDIPAN for the year ended 30 June 2014.

United Development Initiatives for Programmed Actions (UDDIPAN)Eligibility Criteria Compliance Certification

For the year ended 30 June 2014

Annexure - A2

Sl.No Eligibility criteriaPKSF

Standard

Audited Figuresor ComplianceFY 2013-2014

Audited Figuresor ComplianceFY 2012-2013

1 Minimum loan recovery rates, computed quarterly, based on the following:

i. Minimum Cumulative Loan collection ratio on total dues Actual cumulative collection x 100 95% 99.41% 99.38%

Cumulative Collectibles

ii. Minimum loan collection ratio on current dues: (on runing 12 month basis) 92-100% 98.75% 98.89% Actual collections during the past 12 months on current dues x 100

Collectibles on current dues

2 Minimum liquidity saving ratio 10% 15.73% 9.70%

3 Minimum Current ratio 2:1 1.7:1 2.55:1

4 Minimum capital adequacy ratio 15% 13.88% 12.10%

5 Minimum debt service cover ratio 1.25:1 1.07:1% 1.11:1

6 Debt to Capital Ratio 9:1 6.97:1 7.24:1

7 Minimum rate of return on capital 1% 23.41% 16.29%





i) Classification of Loan and Loan Loss Provision

SL. Particulars No. of days Outstanding Outstanding Required Provision No. Loan Amount Rate Amount (Taka)

1 Total Loan Outstanding - 4,653,554,108 2 Total overdue - 219,938,564 3 Regular Loans with no overdue instilments 4,433,615,544 1% 44,336,155 4 Watchful Loan default duration between 1 to 30 dyas 13,201,953 5% 660,098 5 Sub- Substandard Loan default duration between 31 to 180 dyas 24,334,478 25% 6,083,620 6 Doubtful Loan default duration between 181 to 365 dyas 16,021,089 75% 12,015,817 7 Bad Loan default duration between above 365 dyas 166,381,044 100% 154,426,624 Total Amount 4,653,554,108 217,522,313

Note: As per PKSF instruction UDDIPAN cannot calculate Loan loss provision on RESCUE & SAHOS Loan Outstanding amounting Taka 6,357,812 and 5,596,608 respectively which amount include Bad Loan.

(ii) Loan Loss Provision (LLP) Status of the PO:

Particulars Taka

Required provision as per MRA policy 217,522,313Actual provision made by the Organization 224,661,854Excess of provision (7,139,541)Comment on LLP: -Disclosure on written of Loan:Loan written of balance as on 1/07/2013 -Loan written of during the year 2013-2014 -Written of loan recovered during the year 2012-2013 -Loan Written of balance as on 30/06/2014 -

(iii) Loan Operational Report

Si no Particulars 2013-2014 2012-20131. Financial Service Product: Loan Product: Loan (PKSF,Bank & others) 4,653,281,950 3,713,694,802 Housing Loan 272,158 318,992 Sanitation Loan - - Savings Product: - - Clients 1,690,456,575 1,323,245,139 Non Members - - Insurance Product: - - Life 42,289,428 36,431,459 Livestock - - Others - -2 Number of Branches 220 219 M F Total M F Total 3 Number of Samities 2,235 17,580 19,815 2,268 16,444 18,712 4 Number of Members 46,267 362,104 408,371 41,744 326,832 368,576 5 Number of borrowers 37,395 243,056 280,451 32,419 225,660 258,079 6. Number of Staff 1,845 499 2,344 2,003 829 2,832 7. Amount (Taka) of loan outstanding with Samiti Members 1,140,267,020 3,513,287,088 4,653,554,108 967,403,457 2,746,291,345 3,713,694,802 8. Member:borrower 1.24:1 1.49:1 1.47:1 1.3:1 1.45:1 1.43:1 9 Average Loan size 26,146 23,418

United Development Initiatives for Programmed Actions (UDDIPAN)Portfolio report for the year ended June 30, 2014

Review of Loan Classification and Provisions



Uni

ted

Dev

elop

men

t Ini

tiativ

es fo

r Pr

ogra

mm

ed A

ctio

ns (U

DD

IPA

N)

Stat

emen

t of

Fin

anci

al P

osit

ion

As

at Ju

ne 3

0, 2

014

156

Aud

itors

’ Rep

orts

, Fin

anci

al S

tate

men

ts a

nd C

redi

t Rat

ing

34.00

. Seg

men

tal F

inan

cial In

form

atio

n (C

ontd

.)

A. Q

asem

& C

o.C

hart

ered

Acc

ount

ants

feeByresruN

gnidaerBemaRFSKP

setoN:STESSA

Fattenin

g Val

ue Chain

Gra

ss Cul

tivation

ENRIC

H Tra

ining C

enter

Remittan

ce SO

LAR

(UDDIP

AN) SO

LAR

(IDCOL)

Banglad

esh

Bank Fu

nded

Anuku

l Fou

ndation

Funded

SHAYM

MA To

tal MFP

UDDIP

AN Fun

d Hea

lth Care

MIME

CCCP

EPCYL

A EY

E DR

R CR

GA RU

CMP

GALS

CCA

DIISP

TVET

SGSP

FY 2013

-2014

FY 2012

-2013

Non-Cu

rrent As

sets:

1.0

2.0

3.0

4.0

5.0

6.0

7.0

8.0

9.0

10.0

11.0

12.0

13.0

14.0

15= (1+

14)16.0

17.0

18.0

19.0

20.0

21.0

22.0

23.0

24.0

25.0

26.0

27.0

28.0

29.0

30= (15

to 29)

Propert

y, Plant

& Equip

ment

6

102

,060,313

1,575,27

1

14,6

36

347

,389

140

,469

-

2,80

0

1,938,48

8

-

14,4

26

903

,836

-

244,420

-

107,242

,048

60,4

59,040

4,728

42,9

50

125

,022

151

,590

-

-

30,800

1,510,92

2

-

219,865

19,674

2,007,87

0

291

,873

172

,106,382

134,453

,9127

tnemtsevnI

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,90

0,000

-

-

-

-

-

-

-

-

-

-

-

-

-

1,90

0,000

1,00

0,000

8stne ilC otnaoL

163,504

,853-

-

-

-

-

-

-

-

-

-

272

,158

2,37

5,240

228,793

166,381

,044-

-

-

-

-

-

-

-

-

-

-

-

-

-

166

,381,044

138,390

,1769

snaoLrehtO

26,2

59,718

-

-

-

-

-

-

-

-

-

-

-

315,450

-

26,575,1

68-

-

-

-

-

-

-

-

-

-

-

-

-

-

26,5

75,168

11,214,5

60488,428,192

stessAtnerruC-noNlatoT

1,57

5,271

14,636

347,389

140,469

-

2,800

1,93

8,488

-

14,426

903,836

272,158

2,935,11

0

228

,793

300

,198,260

62,359,0

40

4,72

8

42,950

125,022

151,590

-

-

30,8

00

1,51

0,922

-

219

,865

19,6

74

2,00

7,870

291,873

366,962

,594

285

,058,648

-Cur

rent Ass

ets:-

8stneilCotnaoL

4,355,60

1,857

-

-

-

-

-

23,7

00

-

-

3,744,25

6

51,0

85,190

-

71,862,6

44

4,855,41

7

4,48

7,173,06

4-

--

-

-

-

-

-

-

-

-

-

4,487,17

3,064

3,575,30

4,626

9snaolrehtO

16,527,3

49

--

243

,400-

000,921947,998,61

--

-

-

-

16,899,7

49

27,1

11,489

01stisopeDmreT

252,600

,000-

-

-

-

-

-

-

-

-

-

-

-

-

252

,600,000

50,000,0

00

-

--

-

-

-

-

-

-

-

-

-

302,600

,000

180

,600,000

11seirotnevnI

-

263,885

-

-

-

7,96

6

19,5

73

-

-

-

22,3

55,577

-

-

-

22,6

47,001

-

-

-

-

-

-

-

-

-

-

-

-

-

22,6

47,001

13,116,3

2621

selbavieceRtnuoccA

36,4

83,139

51,0

00

-

-

-

-

5,920,46

1

341,406

-

-

1,784,56

1

-

290,583

-

44,871,1

50

5,131,21

2

-

-

-

-

-

-

-

-

-

521

,244

-

-

50,5

23,606

44,314,3

89Dep

osits &

Prepay

ments

13

22,3

76,796

-

24,816

-

-

-

-

1,115,96

3

-

528

17,3

74

1,69

3

23,047

-

23,560,2

17

1,037,55

5

-

-

-

-

-

-

-

35,2

50

-

4,55

3

-

80,000

28,0

00

24,7

45,575

42,358,7

52Cas

h & Cas

h equiva

lents

14

563

,021,186

6,128

12,7

55

2,29

6

979

-

381,362

643,137

344

,104

1,05

3,715

6,611,39

3

786

,105

5,56

5,301

376,085

578,804

,546

78,0

23,960

373,121

1,933,98

5

389

,003

-

1,249,09

2

-

435

,581

3,05

1,632

-

814

,746

1,02

9,486

1,43

7,782

590,777

668,133

,711

272

,301,195

935,035,06naoLtcejorPretnI

623,534

-

-

12,734,3

78

-

-

-

-

73,7

00,243

4,72

3,872

-

34,466,2

00

--

--

-

-513,098,211

57,048,8

88668,041,703,5

stessAstnerruClatoT

321

,013

37,571

2,296

979

443

,292

6,34

5,096

2,34

3,906

344,104

17,532,8

77

81,854,0

95

787,798

77,870,5

75

5,231,50

2

5,50

0,255,97

0

138

,916,599

373,121

36,400,1

85

389,003

-

1,24

9,092

-

435,581

3,086,88

2

-

819,299

1,550,73

0

1,517,78

2

618

,777

5,68

5,613,02

1

4,21

2,155,66

5

057,569,895,5stessAlatoT

1,896,28

4

52,2

07

349

,685

141

,448

443

,292

6,34

7,896

4,28

2,394

344,104

17,547,3

03

82,757,9

31

1,059,95

6

80,8

05,685

5,46

0,295

5,800,45

4,230

201,275

,639377

,84936,4

43,135

514,025

151,590

1,249,09

2-

466,381

4,597,80

4-

1,039,16

41,57

0,404

3,52

5,652

910,650

6,052,57

5,615

4,497,21

4,313

Capital

Fund &

Liabilit

ies

Capital

Fund:

51sulpruSevitalumuC

530,850

,748

(1,0

01,125)

(174,382

)

(818,555

)

(406

,552)

398,963

(1,284,3

77)

(7,802,0

23)

233

,7982,64

9,469

6,767,99

6

954

,620

14,4

26,741

478

,127

545

,273,448

63,881,2

25

377

,849

(5,8

46,293)

(1,3

15,975)

151

,590

944

,092

-

466,381

4,597,80

4

-

1,039,16

4

103

,594

3,52

5,652

910,650

614,109

,181

495

,980,777

61dnuFevreseR

58,983,4

17

-

-

-

-

44,3

29

-

-

25,978

294,386

752,000

105,336

1,602,97

1

53,1

25

61,8

61,542

-

-

-

-

-

-

-

-

-

-

-

-

-

-

61,861,5

42

48,9

79,780

Loan Lo

ss Rese

rve Fun

d (LLRF

)17

43,363

,705

-

-

-

-

-

-

-

458,33

187

,944

-

703,224

47,428

44,336,1

55-

-

-

-

--

-

-

-

-

44,3

36,155

35,379,6

85Disa

ster Ma

nageme

nt Fund

(DMF)

18-

758,699,93

-

-

-

-

-

532,963

14,508

40,544,3

28-

-

-

-

--

-

-

-

-

40,5

44,328

31,583,4

74727,491,376

dnuFlati paClatoT

(1,0

01,125)

(174,382

)

(818,555

)

(406

,552)

443,292

(1,284,3

77)

(7,802,0

23)

259

,776

2,97

7,709

7,707,94

0

1,05

9,956

17,265,8

99

593,188

692,015

,473

63,8

81,225

377,849

(5,846,2

93)

(1,315,9

75)

151,590

944,092

-

466

,381

4,59

7,804

-

1,03

9,164

103,594

3,525,65

2

910

,650

760

,851,206

611,923

,716

-:seitilibaiLtnerruCnoN

-

91naoLmreT

1,174,74

4,901

-

-

-

-

-

-

-

-

36,497,1

97

-

17,0

25,041

-

1,22

8,267,13

9-

-

-

-

-

-

-

-

--

-

-

-

1,228,26

7,139

860,765

,85602

stisopeDstneilC

205

,527,560

-

-

-

-

-

-

-

-

-

-

2,406,29

7

-

207

,933,857

-

-

-

-

-

-

-

-

-

-

-

-

-

207

,933,857

104,125

,695Staf

f Welfare

Depos

its 21

20,077,9

80

-

-

-

-

-

-

60,0

85

-

-

-

-

205

,602

-

20,3

43,667

606

,713

-

-

-

-

-

-

-

-

-

-

-

-

20,9

50,380

9,664,66

722

dnuFytiutarGffatS

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

97,2

93,593

-

-

-

-

-

-

-

-

-

-

-

-

-

97,293,5

93

62,0

48,070

Motor C

ycle Re

placeme

nt Fund

23

-

-

-

-

-

-

-

-

--

4,92

2,520

-

-

-

-

-

-

--

-

-

-

4,922,52

0

4,582,51

542

tisopeDytiruceSffatS

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8,37

8,447

-

-

-

-

-

-

-

--

-

-

-

8,378,44

7

7,814,94

752

dnuFerafleWffatS

-

-

-

-

-

-

-

-

-

-

-

-

-

-

13,8

14,865

-

-

-

-

-

-

-

-

-

-

-

-

13,8

14,865

12,218,5

33144,053,004,1

seitilibaiLtnerruCnoNlatoT-

-

-

-

-

-

60,085

-

-

36,497,1

97

-

19,6

36,940

-

1,45

6,544,66

3

102

,822,826

-

-

-

-

-

-

-

-

-

-

-

-

-

1,559,36

7,489

1,041,18

6,803

-:seitilibaiLtnerruC

-625,109,43

naoLtce jorPretnI

2

,897,409

226

,589

1,16

8,240

548,000

-

1,076,59

5

11,614,2

77

-

14,5

10,430

28,3

10,196

-

3,820,31

1

3,81

1,742

102,885

,315

9,70

0,000

-

-

-

-

305

,000

-

-

--

-

-

-

112,890

,315

57,0

48,888

Loan Lo

ss Rese

rve Fun

d (LLRF

)17

176,955

,211-

-

-

-

-

-

-

-

59,1

64

-

-

3,06

0,938

250,386

180,325

,699-

-

-

-

-

-

-

-

-

-

-

-

-

-

180

,325,699

150,534

,66691

naoLmreT

1,70

5,795,42

5-

-

-

-

-

-

-

-

-

3,288,76

7

-

18,820,9

11

-

1,727,90

5,103

-

-

-

-

-

-

-

-

-

-

-

-

-

1,72

7,905,10

3

1,28

7,120,10

902

tisopeDs'tneilC

1,46

4,992,75

0-

-

-

-

-

-

-

-

-

-

16,7

69,965

760

,003

1,48

2,522,71

8-

-

-

-

-

-

-

-

--

-

-

-

1,482,52

2,718

1,219,11

9,444

Client's

Micro In

surance

26

138,327

,341-

-

-

-

-

-

-

-

-

-

1,41

3,797

-

139,741

,138-

-

42,289,4

28

-

-

-

-

-

-

-

-

533,806

-

-

182,564

,372

88,5

28,280

72snaoLrehtO

--

-

-

-

-

-

-

-

-

-

-

44,976

44,976

-

-

-

-

-

-

-

-

-

-

-

-

-

44,9

76

1,23

5,842

82elbayaPstnuoccA

2,656,22

7-

-

-

-

300

359

,605

84,328

-

6,95

3,831

-

-

-

10,054,2

91

2,084,88

8

-

-

30,000

-

-

-

-

--

-

-

-

12,169,1

79

10,5

78,479

92snoisivorP

102,525

-

-

-

-

-

50,450

-

-

-

-

-

-

152

,975

-

-

-

-

-

-

-

-

--

-

-

-

152,975

1,08

2,593

03seitilibaiLrehtO

1,689,57

7-

-

-

-

6,55

5,378

-

-

-

-

-

16,9

24

-

8,26

1,879

593

,388

-

-

1,800,00

0

-

-

-

-

-

-

-

933,004

-

-

11,588,2

71

8,82

2,013

285,024,525,3seitilibaiLtnerruClatoT

2,897,40

9

226

,589

1,16

8,240

548,000

-

7,632,27

3

12,024,3

32

84,3

28

14,5

69,594

38,5

52,794

-

43,902,8

46

4,867,10

7

3,65

1,894,09

4

12,3

78,276

-

42,2

89,428

1,83

0,000

-

305

,000

-

-

-

-

-

1,46

6,810

-

-

3,71

0,163,60

8

2,82

4,070,31

4

Total Ca

pital Fu

nd & Lia

bilities

5,598,96

5,750

1,896,28

4

52,2

07

349

,685

141

,448

443

,292

6,34

7,896

4,28

2,394

344,104

17,547,3

03

82,757,9

31

1,059,95

6

80,8

05,685

5,46

0,295

5,800,45

4,230

179,082

,327377

,84936,4

43,135

514,025

151,590

1,249,09

2-

466,381

4,597,80

4-

1,039,16

41,57

0,404

3,52

5,652

910,650

6,030,38

2,303

4,477,18

0,833

--

Uni

ted

Dev

elop

men

t Ini

tiativ

es fo

r Pr

ogra

mm

ed A

ctio

ns (U

DD

IPA

N)

Stat

emen

t of

Fin

anci

al P

osit

ion

As

at Ju

ne 3

0, 2

013

157

Aud

itors

’ Rep

orts

, Fin

anci

al S

tate

men

ts a

nd C

redi

t Rat

ing

35.00

. Seg

men

tal F

inan

cial In

form

atio

n (C

ontd

.)

A. Q

asem

& C

o.C

hart

ered

Acc

ount

ants

emaRI-PFM

setoN:STESSA

Breadi

ng Nu

rsery

Beef F

attenin

g Va

lue Ch

ain

Grass

Cul

tivation

ENRIC

H Tra

ining

Center

Remit

tance

SOLAR

(UD

DIPAN

) SO

LAR

(IDCOL)

Bangl

adesh

Bank F

unded

Anuku

l Fou

ndation

Funded

SHAYM

MA

Total

MFP

UDDIP

AN Fu

nd He

alth Ca

re LP

MIM

E CD

P EP

CYLA

DRR

CRGA

RU

CMP

GALS

CCA

FY 201

2-2013

FY 201

1-2012

Non-Cu

rrent As

sets:

Proper

ty, Plant

& Equip

ment

6.00

68,005

,282

1,6

15,781

18,274

356,53

1

152

,267

-

3,220

1,6

44,107

-

14,

210

2,934

-

273,28

2

-

72,085

,888

56,

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Capital

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Capital

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427

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54,300

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48,979

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29,473

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559,70

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367

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612,890

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9,664,

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4,582,

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12,218

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12,218

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277

94,099

,639

788,95

6

184,57

4,409

10,437

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12,467

,003,5

69142

,287,8

41940

,727

51,632

,184

2,124,

1846,2

76,574

2,1

41,200

2,905,

8942,2

02,427

16,337

,893

199,84

014,

871

1,253

4,0

05,825

1,6

37,092

6,517,

5041,5

36,450

12,707

,765,3

28.00

10,167

,884,1

70-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

161

Aud

itors

’ Rep

orts

, Fin

anci

al S

tate

men

ts a

nd C

redi

t Rat

ing

A. Q

asem

& C

o.C

hart

ered

Acc

ount

ants

Uni

ted

Dev

elop

men

t Ini

tiativ

es fo

r Pr

ogra

mm

ed A

ctio

ns (U

DD

IPA

N)

Stat

emen

t of

Cas

h Fl

ows

For

the

year

end

ed J

une

30, 2

014

39.00

. Seg

men

tal F

inan

cial In

form

atio

n (C

ontd

.)

Partic

ulars

Notes

PK

SF

Rame

Br

eadin

g Nu

rsery

Beef

Fatte

ning

Value

Ch

ain G

rass

Cultiv

ation

ENRIC

H Tr

aining

Ce

nter

Remi

ttanc

e SO

LAR

(UDD

IPAN)

SOLA

R (IDC

OL)

Bang

lades

h Ba

nk An

ukul

Foun

datio

n SH

AYMM

A To

tal M

FP

UDDIP

AN

FUND

Healt

h Care

M

IME

CCCP

EP

CYLA

EY

E DR

R CR

GA

RUCM

P G

ALS

LP

CDP

CCA

DIISP

TV

ET

SGSP

20

13-20

14

2012

-2013

1

2

3

4

5

6

7

8

9

10

11

14

13

15

16=(1

to 15

)

1

7

1

8

1

9

2

0

21

22

23

24

2

5

2

6

2

7

2

8

29

30

31

32

A. Ca

sh flo

w fro

m op

eratin

g acti

vities

00.51raeyehtrofsulpruS

11

7,454

,305

12

0,825

4,657

(407,1

34)

(97

,322)

(33,77

4)

(14

1,208

)

(1,

006,1

38)

13

0,969

799,8

56

6,2

45,00

9

6,595

6,185

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426,7

83

129,6

89,25

4

6,060

,138

40,10

6

(4,71

3,516

)

(1,

315,9

75)

(940,3

94)

944,0

92

(61

2,890

)

41

,275

(643,5

02)

(85,86

0)

-

-

895,6

79

10

3,594

3,525

,652

910,6

50

13

3,898

,303

167,3

19,51

100.51

tnemtsujdAroirP:ddA

(2,42

0,083

)

-

-

-

(3,

750)

-

-

(42

,673)

-

-

-

-

28,73

6

-

(2,43

7,770

)

3,5

20,44

9

-

-

-

-

-

-

-

-

-

(105,9

85)

(3,86

4,831

)

-

-

-

-

(2,88

8,137

)

(4,04

2,117

)00.6

noitaicerpeD

11

,469,6

67

53,05

0

3,6

38

9,1

42

11,79

8

-

420

355,2

79

-

2,124

13

3,283

-

53,49

9

-

12,09

1,900

3,253

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788

12,03

9

19,74

5

27,40

6

-

-

8,400

409,5

83

-

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-

46

,246

2,186

35

9,110

41

,216

16,27

2,221

10

,763,5

34 Lo

an Lo

ss Re

serve

Fund

(LLR

F) 8.0

0

37

,220,2

78

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--

--

--

158,4

71-

1,184

,000

184,7

54

38,74

7,503

--

--

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--

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-

-

-

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38

,747,5

03

(42,50

0,490

) Di

saste

r Man

agem

ent F

und (

DMF)

11.00

8,7

88,57

4

-

-

-

-

--

--

--

165,8

296,4

51

8,9

60,85

4-

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--

--

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-

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-

8,960

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7,2

94,74

1147,215,271

s metihsacnonfol atotbuS

173,8

75

8,2

95

(39

7,992

)

(89,27

4)

(33

,774)

(140,7

88)

(693,5

32)

130,9

69

80

1,980

6,536

,763

6,5

95

7,6

17,89

5

61

7,988

18

7,051

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12

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89

40

,894

(4,

701,4

77)

(1,29

6,230

)

(91

2,988

)

94

4,092

(612,8

90)

49,67

5

(23

3,919

)

(85

,860)

(10

5,985

)

(3,

864,8

31)

941,9

25

10

5,780

3,884

,762

951,8

66

19

4,990

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138,8

35,17

900.8

stnei lCotdesrubsiDnaoL

(8,

207,2

61,68

6)

-

-

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-

-

-

-

-

(1,

096,7

87)

(64

,155,2

66)

-

(126,3

54,46

5)

(8,98

5,000

)

(8,

407,8

53,20

4)-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(8,40

7,853

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(6,

885,9

01,70

0)00.8

stneilCmorfdezilaernao L

7,323

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05

-

-

-

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52

5

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3,9

50,90

7

21,48

8,766

46

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11

0,841

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8,0

24,29

0

7,4

67,90

2,784

-

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-

-

-

-

-

-

-

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91,11

4

-

-

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7,467

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98

6,0

74,24

6,756

00.11seirotnevnI

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(39

,500)

-

477,1

00

-

1,045

15

,431

-

-

5,9

27,33

3

(15,91

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-

-

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(9,

530,6

75)

-

-

-

-

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-

-

-

-

-

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(9,

530,6

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(10

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41)

00.71snaoLrehtOesaercnI

(4,

804,0

18)

-

-

-

-

-

-

(243,4

00)

-

-

-

-

(10

1,450

)

-

(5,

148,8

68)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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(5,14

8,868

)

(7,09

6,501

)00.81

elbav ieceRstnuoccAesaercnI

4,767

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(11,00

0)

-

-

926,8

69

-

(5,68

4,997

)

42

6,462

-

-

(1,78

4,561

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-

(132,4

23)

-

(1,49

2,194

)

(4,

195,7

79)

-

-

-

-

-

-

-

-

-

-

-

-

(521,2

44)

-

-

(6,

209,2

17)

(22

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13)

00.8stnemyaperP&stisopeD

18,11

8,114

-

12,39

6

-

-

-

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(510,0

00)

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(52

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(17,37

4)

-

3,2

00

-

17

,605,8

08

28

,401

-

-

-

-

-

-

45

,000

6,721

-

-

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35

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(80

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(28

,000)

17,61

3,177

(12

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00.9elbayaPstnuoccA

(457,2

83)

-

-

-

-

-

(2,80

0)

189,2

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(63

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(28

1,037

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1,048

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-

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43

3,621

1,2

32,37

4

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000,03

(12,31

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(49,00

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(10,84

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(33

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-

-

-

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1,5

90,70

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7,706

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00.21snoisivorP

(73

8,885

)

-

-

-

-

-

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8,9

30

-

-

-

-

-

-

(72

9,955

)

(116,8

00)

-

(82

,863)

-

-

-

-

-

-

-

-

-

-

-

(92

9,618

)

79

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408,8

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-

-

-

-

-

6,555

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-

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(11

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-

13

4,709

(10

1,455

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-

-

1,800

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-

-

-

-

-

-

-

-

-

933,0

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2,766

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0)

12

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00

92

6,869

1,045

88

3,537

(12

8,802

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(63

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8,4

99,88

8

(59,33

1,777

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46

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(15

,755,1

93)

(96

0,710

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(93

8,677

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(3,

153,2

59)

-

(82,86

3)

1,830

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(12,31

1)

-

(49,00

0)

34,15

4

(26

,417)

-

91,11

4

-

35,24

7

41

1,760

(80,00

0)

(28,00

0)

(93

9,707

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(851,3

07,87

8)

)317,227,007(seitivitcagnitareponidesuhsacteNlatoT

12

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20,69

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79

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837,5

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67,76

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9,301

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53,42

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(8,13

7,298

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(34

2,722

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(75

1,626

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9,6

80,93

0

40

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784,3

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533,7

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944,0

92

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1,890

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83

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(14,87

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(3,86

4,831

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97

7,172

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3,8

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2

92

3,866

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16,80

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2,472

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00.6tnempiuqEdnatnalP,ytreporP

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-

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(2,

340)

(1,03

4,185

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50)

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(144,7

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(135,7

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(5,

700)

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3,8

63,57

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(26

6,111

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(21,86

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(2,

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-

-

-

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-

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(900,0

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(90

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New T

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(192,0

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70

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00

97,00

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(18

9,248

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11

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50

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(14

4,767

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(13

5,752

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-

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(5,70

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3,863

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(21

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(2,36

6,980

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(33

3,089

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(176,8

24,69

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(60

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9,597

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-(1,

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66

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69,27

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85

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231,4

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21,46

4,687

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28,23

7,675

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87,73

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-

-

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(25

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(1,12

1,020

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-

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-

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-

-

-

-

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(16,95

1,962

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(1,

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-

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--

--

--

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38,51

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(3,27

3,627

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354,9

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35

4,951

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73 M

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ments

23

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(14,94

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(56

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Clien

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84,21

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963,2

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85,18

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52,42

7,815

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74

9,540

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13

8,358

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46,81

5,184

Clien

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6,750

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(22

3,453

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(12,02

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(215,7

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(44

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1,974

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snaoLrehtO

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-

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-

-

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(1,

212,9

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-

-

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22,10

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190,8

66)

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-

-

-

-

-

-

-

-

-

-

-

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-

-

-

(1,19

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(4,59

7) St

aff Se

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94,70

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2,0

94,70

0

2,173

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Staff

Secu

rity De

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Refun

ds

24.00

(84

,700)

-

-

-

-

--

--

--

-

-

(84

,700)

(1,44

6,500

)-

--

--

--

--

-

-

-

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-

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(1,

531,2

00)

(1,

810,4

00)

Staff

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ceipt

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-

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--

--

--

-

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72,25

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2,130

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Staff

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(47

5,920

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(68

9,575

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er Pro

jects

Loan

Rece

ived

-

(106,9

34)

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(79

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00)

32

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15,18

8,116

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974,7

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26

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60

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1,705

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-

37,67

4,156

9,650

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5,000

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47,62

9,656

32

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9,806

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01)

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31

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6,007

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(21

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48)

8,321

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(31,00

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(34,46

6,200

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-

(300,0

00)

-

(10

0,000

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-

-

-

-

--

-

-

(47

,629,6

56)

(32,62

8,500

)655,557,802,1

seitivitcagnicnanifnidesuhsacteN

(10

6,934

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(39,90

0)

(79,10

0)

(84

2,900

)

32,12

9

(39

9,806

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2,0

35,54

7

-

(10,10

1,724

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55

,701,3

01

-

9,094

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237,4

09

1,264

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38

46,74

4,098

(31,00

0)

5,935

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-

(300,0

00)

305,0

00

(10

0,000

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-

-

-

-

-

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53

3,806

-

-

1,3

17,37

4,012

677,2

39,35

3

D. Ne

t incre

ase i

n cas

h and

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equiv

alents

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320,5

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(19

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8

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5)

(60

0)

342,9

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563,5

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67

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(80

2,196

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1,872

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53

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93

3,025

(10

5,313

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32

3,412

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68

,259,0

78

9,8

94

1,1

51,23

0

38

9,003

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361,0

51)

1,2

49,09

2

(761,8

90)

83,82

9

(26

6,036

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(85

,860)

(14

,871)

(1,

253)

71

1,061

1,029

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1,4

37,78

2

59

0,777

395,8

32,51

6

(95

,247,3

98)

Cash

and c

ash e

quiva

lents

at be

ginnin

g of th

e yea

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2,513

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2,2

27

31,96

4

2,2

88

6,284

60

0

38

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79

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27

6,342

1,855

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4,7

39,29

1

732,6

76

4,632

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481,3

98

255,3

92,30

1

9,764

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363,2

27

782,7

55

-

1,361

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-

761,8

90

351,7

52

3,317

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85

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14

,871

1,2

53

10

3,685

-

-

-

272,3

01,19

5

36

7,548

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Cash

and c

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quiva

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at en

d of th

e yea

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56

3,021

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12,75

5

2,2

96

979

-

381,3

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643,1

37

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4,104

1,053

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6,6

11,39

3

786,1

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5,565

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376,0

85

578,8

04,54

6

78,02

3,960

373,1

21

1,933

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389,0

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-

1,2

49,09

2

-

435,5

81

3,051

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-

-

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81

4,746

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1,4

37,78

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0,777

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33,71

1

27

2,301

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Aud

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24

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25

A. Ca

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s 00.51

raeyehtrofsulpruS

159,46

1,173

(45

5,983)

(99

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(15

6,658)

(83

1,530)

(88,08

7)

(77

7,679)

(3,294

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101,50

7

1,0

79,999

1,2

74,987

26,113

4,851,

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267,02

7

161

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31,664

161,65

5

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(26

3,248)

326

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215,07

9

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5

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9,511

00.51tnemtsujdAroirP:ddA

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030,08

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-

-

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-

-

-

-

-

-

-

-

-

(3,

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-

-

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(4,

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798

-

420

265

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1,8

90

326

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48,765

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5,3

84,494

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58,932

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31,

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8

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8,400

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10,

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-

-

93,018

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652

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113

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0,490)

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-

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-

-

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(42,50

0,490)

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ter Ma

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7,159,

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127,13

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8,057

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94,741

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-

-

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-

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7,2

94,741

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3,400)

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7,516)

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9,732)

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(77

7,259)

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101

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113

5,6

80,147

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128,50

7,804

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162

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04,825

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333,79

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7,251)

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756,95

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(5,205

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4,073)

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(105,3

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717,00

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-

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-

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6,0

74,246

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3,0

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-

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693)

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4,241)

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5,0

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360

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149

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3,546,

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162

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3,930)

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6,807)

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2,472,

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B. Ca

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260)

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(19

8,792)

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9,299)

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(50

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Invest

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C. Ca

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-

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756,40

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(6,781

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55,857

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00.12stpieceRtisopeDerafleWffatS

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-

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2,2

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-

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-

-(1,

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--

-

-

-

-

-

-

(1,231

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Staff

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-

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-

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-

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-

-

-

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-9,6

26,156

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9,6

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Staff

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-

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-

-

-

-

-

-

-

-

-

(3,

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4) Mo

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-

-

-

-

-

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--

179,27

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179

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-

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417

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46,775

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39,563

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46,815

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(96

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(9,841

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(9,841

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00.72snaoLrehtO

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16,

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53,55

4,108

3,7

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Ba

lance

as a

t 30.0

6.201

36,5

98,37

6

8,4

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0

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318,9

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3,4

19,89

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ils o

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2012

- 20

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taff

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Sta

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cial)

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l PKS

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n

458,96531.70.10 no sa ecnalaB

84

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21,96

4,375

15

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20

37,98

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38

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raey eht gnirud diaP : ddA

-

6,354

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3,421

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17

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86

25

0,000

218,2

50

18,23

4,336

20

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14

8,559

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84,40

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28

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61

18,78

5,920

55

,749,1

35

25

0,000

561,2

50

56,56

0,385

51,72

3,262

Less

: Rea

lised

durin

g the

year

3,338

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2,500

5,6

53,97

7

3,9

67,50

0

12,96

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6,600

11

6,800

13

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68

13,39

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81

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22,66

4,984

14

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20

42,78

7,067

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00

44

4,450

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17

38

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49

Ba

lance

as at

30.06

.2013

569,8

54

84,40

0

21

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75

15,36

4,420

37

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49

-

343,0

00

38,32

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31

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48

Deta

ils o

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m D

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ote N

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Par

ticul

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2012

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Res

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Fun

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Ba

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e No.

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Sche

dule-

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Parti

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Ram

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12 -

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583,42231.70.10 no sa ecnalaB

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Ba

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Deta

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1,568

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573,953 raey eht gniruD desilaeR:sseL

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6,284

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360,660,54102.60.03 no sa ecnalaB

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169

Aud

itors

’ Rep

orts

, Fin

anci

al S

tate

men

ts a

nd C

redi

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ing

A. Q

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& C

o.C

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15

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51

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41Ba

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72

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92

6,869

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nosaecnalaB

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1,693

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170

Aud

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’ Rep

orts

, Fin

anci

al S

tate

men

ts a

nd C

redi

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ing

A. Q

asem

& C

o.C

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2012

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244,969, 580,13102.70.10nosaecnalaB

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27,75

1

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30,51

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9,958

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2,8

95052,621

89

,443

-

-

7,120

,182

-4102.60.03

nosaecnalaB

204,7

82

32

5,226

19

0,000

32,50

0

-

184,0

00

-

17,16

1

35

,709

-

-

1,428

,346

-

17,50

0

15

0,000

16

,400

32,65

6

21,94

7

2,656

,227

Balan

ce as

on

30.06

.2013

186,9

00

176,9

34

54

6,148

17

3,250

25,50

0

26

3,606

-

93,65

0

34,98

9

12

6,750

9,0

00

14

5,250

1,090

,998

2,8

95

-

12

6,250

89

,443

-

21,94

7

3,113

,510

172

Aud

itors

’ Rep

orts

, Fin

anci

al S

tate

men

ts a

nd C

redi

t Rat

ing

A. Q

asem

& C

o.C

hart

ered

Acc

ount

ants

Detai

ls of

Acco

unts

Paya

bles (

Note-

28)

Conti

nue…

.Sc

hedu

le- 15

Traini

ng Ce

ntre

Gree

n Ene

rgy (ID

COL)

DRR

yralaSlatoT

xaTTAV

latoTelbayaPTAV

elbayaPxaTFSJ

CT-latoTtsoCdooF

laeMrofytiruceSxaT

TAVralucitraP

Paya

ble to

Othe

r Pro

ject (A

CD-

Partn

erOr

ganiz

ation

)

Total


1,5

06

69,30

0

41,85

9

17

0,399

14

7,535

3,100

281,0

37

4,820

,241

542,4

24

54

2,424

6,1

86,12

6

9,620

,670

271

12,13

9

12

,311

46,00

0

3,0

00

49

,000

368,813raeyehtgnirudnoisivorP;ddA

27

,200

18,90

0

-

36

4,963

84

,328

8,320

-

15,70

0,854

2,571

,830

1,221

,906

19,49

4,590

26

,615,1

00-

-

-

-

-

-37

6,597

28

,706

88,20

0

41,85

9

53

5,362

23

1,863

11,42

0

281,0

37

20,52

1,095

3,114

,254

1,764

,330

25,68

0,716

36

,235,7

70271

12

,139

12,31

1

46

,000

3,000

49,00

0296,99

raeyeh tgniruDdiaP, sseL

28,70

6

5,5

00

41

,859

175,7

57

147,5

35

11

,120

28

1,037

14

,428,8

80

2,2

73,26

8

1,7

43,70

0

18

,726,8

85

26,18

1,479

271

12,13

9

12

,311

46,00

0

3,0

00

49

,000

509,6724102.60.03nosaecnalaB

-

82,70

0

-

35

9,605

84

,328

300

-

6,0

92,21

5

84

0,986

20,63

0

6,9

53,83

1

10,05

4,291

-

-

-

-

-

-

437,753102.60.03tasaecnalaB

1,5

06

69,30

0

41,85

9

17

0,399

14

7,535

3,100

281,0

37

4,820

,241

542,4

24

54

2,424

6,1

86,12

6

9,620

,670

271

12,13

9

12

,311

46,00

0

3,0

00

49

,000

Detai

ls of

Acco

unts

Paya

bles (

Note-

28)

Sche

dule-

15UD

DIPAN

Fund

latoT

PCCCAGRC

PMCURTo

talTAV

xaTralucitraP

Paya

ble to

MFP

Le

ave s

alary

Paya

ble to

PKSF

(IG

A Map

ing)

Build

ing &

others

Cons

tructi

on Pa

yable

to UE

L To

tal Ta

x Fu

rnitur

eTo

talTa

xVA

TTo

talAu

dit fe

e 20

13-20

1420

12-20

13


99

,251

168,0

00

-

535,2

63

-

-

85

2,514

81

33,12

0

33,13

8

4,0

00

6,846

10

,846

-

10

,578,4

79

2,8

72,00

3Ad

d; Pa

yable

durin

g the

year

218,8

57

333,3

56

-

16

0,374

1,492

,906

832,9

46

90

0,000

3,938

,439

-

-

-

-

-

-

30,00

0

30

,583,5

39

11

,771,8

3726

8,857

43

2,607

168,0

00

16

0,374

2,028

,169

832,9

46

90

0,000

4,7

90,95

381

33

,120

33

,138

4,000

6,8

46

10,84

6

30,00

0

41

,162,0

18

14

,643,8

40896,852

raeyehtgniruDdiaP,sseL

418,2

84

-

12

8,434

1,900

,649

-

-

2,7

06,06

581

33

,120

33

,138

4,000

6,8

46

10,84

6

-

28,99

2,839

4,065

,361


14

,323

168,0

00

31

,940

127,5

20

832,9

46

90

0,000

2,0

84,88

8-

-

-

-

-

-

30

,000

12,16

9,179

10,57

8,479

Balan

ce as

on 30

.06.20

1350

,000

99

,251

168,0

00

-

535,2

63

-

-

85

2,514

81

33,12

0

33,13

8

4,0

00

6,846

6,8

46

-

10

,578,4

79

2,8

72,00

3

Detai

ls of

Prov

ision

(Note

-29)

Conti

nued

………

Sche

dule-

16MF

P 1TC

UDDIP

AN Fu

ndMi

meTo

talPa

rticula

r El

ectric

ity

Trav

eling

Tr

avell

ing &

Trans

porta

tion

Utilit

ies

Lega

l Exp

ense

s Sa

lary

Repa

ir &

Maint

anan

ce&riapeR

latoTyticrtcelE-CT

sesnepxelareneGsaG&retaW-CT

latoT.snpxElareneG

Maint

anan

ce Pr

ovisi

on Fo

r Div

ident

2013

-2014

2012

-2013


5,700

1,9

81

61

,229

700,0

00685,16

8,5

64

84

1,410

4,8

20

70

0

36,00

0

41

,520

882,9

30

116,8

00

82,86

3

1,0

82,59

3

283,3

01Ad

d ; Pro

vi sion

dur in

g the

-raey

2,000

-72

, 500

-28

, 025

--

102, 5

2510

,450

-40

, 000

50, 45

015

2 ,975

-15

2,975

1,000

,478

2,350

7,700

1,9

81

13

3,729

700,0

00

28,02

5

61

,586

8,5

64

94

3,935

15

,270

70

0

76,00

0

91

,970

1,035

,905

116,8

00

82,86

3

1,2

35,56

8

1,283

,779

053,2raeyehtgniruDdiaP,sseL

5,700

1,9

81

61

,229

700,0

00685,16

8,5

64

84

1,410

4,8

20

70

0

36,00

0

41

,520

882,9

30

116,8

00

82,86

3

1,0

82,59

3

201,1

86-


2,000

-

72

,500

-

28,02

5

-

-

10

2,525

10

,450

-

40

,000

50,45

0

15

2,975

-

-

152,9

75

1,0

82,59

3Ba

lance

as on

30.06

.2013

2,350

5,700

1,9

81

61

,229

700,0

00

-

61

,586

8,5

64

84

1,410

4,8

20

70

0

36,00

0

41

,520

882,9

30

116,8

00

82,86

3

1,0

82,59

3

283,3

01

Detai

ls of

Othe

r Liab

ilities

: (Note

No. 3

0)Sc

hedu

le-17

PKSF

CCCP

Sec.

Rece

ived

(Proc

rumen

t &

Othe

rs)

Staff

Co

ntribu

tory

Emerg

rncy

Fund

(SCE

F)

Total

VOF

Clien

t Sec

. De

posit

Gran

t in

Adva

nce

Capa

city B

uildin

g Re

serve

fund

Co

varia

nt Ris

k Fu

nd (R

isk Fu

nd)

Cova

riant

Risk

Fund

(Live

stock

Ins

uranc

e)

Unce

rtaint

y Re

serve

Fund

(Li

vesto

ckIns

uranc

e)

Total

VOF

Cova

riant

Risk

Fund

(Life

Ins

uranc

e)

Cova

riant

Risk

Fund

(Live

stock

Ins

uranc

e)

Unce

rtaint

y Re

serve

Fund

(Li

vesto

ckIns

uranc

e)

Total

Gran

t in ad

vanc

e

Cova

riant

Risk

Fund

Unce

rtaint

y Re

serve

Fund

G

rant in

ad

vanc

e To

tal

2013

-2014

2012

-2013

050,5733102.70.10nosaecnalaB

31

9,793

694,8

43

3,0

77,66

7

677,1

41

4,144

,031

19

9,595

-

-

434,890,8-

28,73

6-

-

-

28,73

6

-

-

-

--

8,822

,013

4,330

,080

Add:

Rece

ived

durin

g the

year

25

4,411

-

254,4

11

40

-

37,83

2,600

49

2,164

8

58,76

8

53,30

8

8

5,742

39

,322,6

22

6,5

55,37

8

-

14

,906

84

1

1,177

16,92

41,8

00,00

0

6,8

54

68

,550

857,6

0093

3,004

48,88

2,339

4,771

,693

629,4

61

319,7

93

94

9,254

3,077

,707

67

7,141

41

,976,6

31

69

1,759

85

8,768

53

,308

85,74

2

47,42

1,056

6,555

,378

28

,736

14,90

6

841

1,1

77

45

,660

1,800

,000

6,854

68,55

0

85

7,600

933,0

04

57,70

4,352

9,101

,773

Less:

Paid

durin

g the

year

355,8

66

-

35

5,866

3,07

7,707

6

77,14

1

41

,976,6

31

-

-

-

-

45,73

1,479

-

28

,736

-

-637,82

-

-

-

-

-

46,11

6,081

279,7

60.00

595,3724102.60.03nosaecnalaB

31

9,793

593,3

88

-

-

-

69

1,759

85

8,768

53

,308

85,74

2

1,689

,577

6,555

,378

-

14,90

6

841

1,1

77

16

,924

1,800

,000

6,854

68,55

0

85

7,600

933,0

04

11,58

8,271

8,822

,013

050,5733102.60.03tasaecnalaB

31

9,793

694,8

43

3,0

77,66

7

677,1

41

4,144

,031

19

9,595

-

-

-

8,0

98,43

4

-

28,73

6

-

-

-

28

,736

-

-

-

-

-

8,822

,013

4,330

,080

Detai

ls of

Servi

ce Ch

arge I

ncom

e: (N

ote No

. 30)

Sche

dule-

18

Partic

ulars

PKSF

En

rich

Remi

ttanc

e So

lar

(UDD

IPAN)

Solar

(IDCO

L) Ba

nglad

esh

Bank

Anuk

ul Fo

unda

tion

SHAY

MMA

Total

MFP

DI

ISP

2013

-2014

20

12-20

13094,227,088

naoL-egr ahCecivreS

9,000

13

8,487

833,5

19

16

,087,0

76

9,4

46

16,59

5,220

1,1

08,61

0

91

5,503

,848

-

915,5

03,84

8

7

34,85

9,304

Se

rvice

Charg

e - M

icro I

nsura

nce

10,14

2,907

-

-

-

-

-

145,2

97

-

10,28

8,204

151,5

94

10

,439,7

98

-

793,568,098l atoT

9,000

13

8,487

833,5

19

16

,087,0

76

9,4

46

16,74

0,517

1,1

08,61

0

92

5,792

,052

15

1,594

925,9

43,64

6

734,8

59,30

4

Detai

ls of

Traini

ng &

Deve

lopme

nt ex

pens

es (N

ote No

. 28)

Sche

dule-

19

H CIRN EniahCeula V

2013

-2014

2012

-2013

Bene

ficiary

Train

ing &

Deve

lopme

nt10

,308,3

56

448,9

70

3,7

74

67

7,163

-

441,9

54

-

1,8

30,76

0

1,0

47,68

2

34

,573

88

9,271

21

,860

1,286

,285

7,1

31,46

2

1,2

87,48

3

96

,545

1,638

,690

53

7,709

85,90

6

27,76

8,443

28,41

9,923

491,971,9tnempoleveD&gniniarTffatS

-

-

14

4,500

28,03

0

20

4,427

19,87

6

-

-

-

-

-

-

-

--

-

-

9,576

,027

4,2

24,76

7055,784,91

latoT

448,9

70

3,7

74

82

1,663

28,03

0

64

6,381

19,87

6

1,830

,760

1,047

,682

34,57

3

889,2

71

21,86

01,2

86,28

57,1

31,46

21,2

87,48

396

,545

1,638

,690

537,7

0985

,906

37,34

4,470

32,64

4,690

Gras

s Cult

ivatio

n So

lar (U

DDIPA

N)

Solar

(IDCO

L) SG

SPTV

ETPMCUR

SLAGdnuFNAPIDDU

CRGA

Total

CCA

Anuk

ul Fo

unda

tion

EPCY

LADR

REY

ECC

CPDII

SP

Total

Total

Remi

ttanc

e Pa

yable

to

Clien

ts

Paya

ble to

En

trepre

neur

(Ban

dhu C

hula)

Gree

n Ene

rgy

(SHS)

Anuk

ul Fo

unda

tion

Gran

t in ad

vanc

e (En

rich)

Partic

ulars

Partic

ulars

PKSF

UDDIP

AN FU

ND

EPCY

LA

DIISP

Total

MFP

-1

Total

MFP 1

173Credit Rating Report

Credit Rating ReportCredit Rating Report

United Development Initiatives for Programmed Actions (UDDIPAN) has been rated by the Credit Rating Agency of Bangladesh (CRAB) on the basis of financial Statements for the year ended on 30 June, 2014. The summary of the rating is presented below:

2013-2014 2012-2013 Definition [CRAB]* [CRAB]*

Micro Finance Institutions rated in this category are adjudged to offer adequate safety for timely repayment of financial obligations. This level of rating indicates a corporate entity with an adequate credit profile. Risk factors are more variable and greater in periods of economic stress than those rated in the higher categories.

Strong capacity of timely repayment. Liquidity factors and company fundamentals are sound. Although ongoing funding needs may enlarge total financing requirements, access to capital markets is good. Risk factors are small.

This rating is higher than the previous rating reflecting the NGO's steady qualitative growth momentum.

* In the year 2013-2014, rating was done by Credit Rating agency of Bangladesh (CRAB) and they awarded the NGO “AA3” which means this category are adjudged to offer adequate safety for timely repayment of financial obligations. This level of rating indicates a corporate entity with an adequate credit profile. Risk factors are more variable and greater in periods of economic stress than those rated in the higher categories. “ST-2” which means good liquidity supported by sound fundamental protection factors and risk factors are small in short term.

Long Term Long Term

AA3 AA3

Short Term Short Term

ST-2 ST-2

Outlook: Outlook: Stable Stable

Dat

e of

Rat

ing

Dec

embe

r 03,

201

4, V

alid

till

Dec

embe

r 22,

201

5

174 Contribution of UDDIPAN in achieving Millennium Development Goal (MDG)

The Millennium Development Goal (MDG) adopted by UNO in 2000 & rati�ed by 189 Nations has 8 (eight) broad based objectives. Those are pursued by Bangladesh to achieve desired changes & outcome by the year 2015. The programs and the projects being implemented by UDDIPAN itself have signi�cance to addressing the goals of MDG which are delineated as under;

01 Eradication of hard core poverty & hunger The Micro Finance Program (MFP) addresses the poverty alleviation of the

poor & hard core poor. The MFP generated employment & income for the poor target members numbering about 2.48 millions. The programmed initiatives for Monga Eradication (PRIME) and PRIME (South) project of UDDIPAN in the Monga affected areas of greater Rangpur and coastal district of Patuakhali has fabulous successes in reducing hunger & poverty and also to create sustainable livelihoods for the poor including hard core ones.

Contribution of UDDIPAN in achievingMillennium Development Goal (MDG):

02 Ensuring Universal primary education EYE (previously known as EPCYLA) and ENRICH has been playing signi�cant

role to provide Technical and Vocational Education and Training along with primary education to the children and youths of the deprived & underprivileged families.

03 Achieving equality of man- woman & empowerment of women The women constitute around 90% of the bene�ciaries of UDDIPAN’s

program. Its services like skill development and knowledge enhancements training and other initiatives and credit supports help the women in empowering them in their socio-economic spheres. In consideration of the man-woman disparity in our said context, UDDIPAN has priority to serve woman towards achieving the goal of man-woman equality & empowerment of woman. It has a gender policy to address on gender issues especially on empowerment of woman.

MDG UDDIPAN’s Involvement, Role & Contribution

175Contribution of UDDIPAN in achieving Millennium Development Goal (MDG)

04 Reducing Child mortality rate Projects namely PRME, ENRICH and Primary Health and UJJIBITO emphasize

the health needs of the children & mothers. They provide services viz. primary health care, free health education services, nutrition services, care to pregnant mothers etc. which have been contributing on reducing child mortality rate and ensuring healthy growth of the children.

05 Improvement of mother health UDDIPAN’s programs including MFP, PRIME, ENRICH, Primary Health &

Ujjibito projects have provision for health services like medical care for mother & children, care for disable children, nutritional services etc. Those services have substantial bene�t in coping with the problems of mothers’ death incidences & catering to the health needs of the mothers, adolescent girls, other targeted women & children.

06 Facing the threat of HIV/ AIDS & other deadly diseases Through training, information sharing, education & other campaign,

UDDIPAN is persistently pursing awareness building activities among the targeted people about diseases like HIV/ AIDS & so on. Mentionably, no prevalence of such diseases has yet been reported amongst the bene�ciaries.

07 Ensuring sustainable & livable environment UDDIPAN attempts to ensure pollution free environment in its work places.

Activity that may create imbalance in the environment is not carried out through various projects and programs. Staff members of UDDIPAN are familiar with the same. UDDIPAN also works to ensure uses of safe drinking water and promote health and hygiene education among its targeted community and beyond.

08 Building partnership globally to attain development goals The government of Bangladesh has been working in pursuance of this goal.

UDDIPAN has in fact tiny scope to contribute to achieve the goal. However, as a development organization, UDDIPAN supplements and complements the government efforts towards achievement of this goal.

176 The future march

The Future MarchUDDIPAN has ended up a long course of three decades with regard to program implementation and as a vibrant organization as well. The organization has been competent of attaining substantial achievements & signi�cant know-how in the area of development. Nevertheless contentment over past achievement and nostalgic over failures will be kept aside with an aim to walk forward to mould the organization an animated & responsive one to address the fundamentals and other needs of the community for whom UDDIPAN is working with.

UDDIPAN is taking into account to deal with the following activities in the upcoming years;

1. Growth: It plans to increase its programs to more areas gradually & steadily. Some 50 new branches will be established in the coming year.

2. Innovative prospect of Social development programs: Expansion of programs and projects on social development will be on focus in the years to come by the organization. Stopping Rural-Urban unsafe and illegal migration, Promotion of child, woman and human rights as a whole, strengthening the wings of the local governments through monitoring with a view to establish the entitlements of the community people, women's empowerment, mainstreaming child, women & men in the development process etc, establish gender equity and equality, addressing the issue of climate change and adaptation, introduction of demand-driven Technical and Vocational Education and establish joyful learning for the adolescents and children will come under the purview of social development programs.

3. Consolidation: On the basis of the experiences gained from earlier, UDDIPAN will consolidate its on-going programs and projects to provide services more ef�ciently and to meet up the needs and desires of the bene�ciaries. The consolidations will have its focus on improved service qualities.

4. Escalation: It is foreseen that Micro Finance Program (MFP) as a core program is required to be made stronger to meet the increasing demand of the target people. It plans to strengthen program on social development covering children, adolescents and women which is crucial to effect & sustain inclusive development of the target groups. Intensi�cation of training programs for staff members and bene�ciaries as well is planned to cope with the future challenges of development.

UDDIPAN is con�dent that it will continue with the development services to the rights deprived and down-trodden people in consonance with its vision of a poverty free country. It values the mission that its contribution to the development needs of Bangladesh will be more dazzling in the days to come.

177

Ann

exur

e - A

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178 Map Showing UDDIPAN Working Areas

Annexure - B

Map Showing UDDIPAN Working Areas

Legend : UDDIPAN Working DistrictsPanchagar

Nilphamari

Rangpur

Lalmonirhat

Kurigram

Gaibandha

Joypurhat

Noagaon

Nawabganj Natore

RajshahiSirajganj

Bogra

Sherpur

Jamalpur

Mymensingh

Netrakona

Sunamganj

Sylhet

MoulvibazarHobiganjKishoreganj

GazipurTangail

Manikganj

Narayanganj

Munshiganj

ShariatpurChandpur

Lakshmipur

Bhola

Noakhali

Feni

Chittagong

Bandarban

Cox's Bazar

Comilla

NarsingdiBrahmanbaria

Rangamati

Khagrachari

Pabna

Kushtia

MeherpurChuadanga

JheinaidahMagura

Jessore Narail

KhulnaSatkhira

Bagerhat

Pirojpur

Patuakhali

Jhalokati

Barisal

Madaripur

Gopalganj

Faridpur

RajbariDHAKA

Barguna

Thakurgaon

Dinajpur

St. Martin's Island

BAY OF BENGAL

179Acronyms

AF Anukul Foundation

AGM Annual General Meeting

AMAN Asian Muslim Action Networks

ARF Asian Resource Foundation

ATSEC Action Against Trafficking & Sexual Exploitation of Children

BDPC Bangladesh Disaster Preparedness Centre

BDS Business Development Services

BRRI Bangladesh Rice Research Institute

BSAF Bangladesh Shishu Adikar Forum

CAP Community Action Plan

CD Child Development

CDF Credit and Development Forum

CDP Child Development Program

CDW Community Development Worker

CHD Comprehensive Homestead Development

CO Credit Officer

COFCON Coastal Fisher Folk Community Network

CRC Child Rights Convention

CRGA Child Rights Governance Assembly

CRR Cummulative Recovery Rate

DML Disaster Management Loan

DRRP Disaster, Relief and Rehabilitation Project

ECD Early Childhood Development

ECPAT End of Child Prostitutions in Asia Tourism

EPCYLA Education to Protect Child & Youth Laborers in Agriculture

EYE Education for Youth Empowerment

FFW Food for Work

GED Gender Equity Development Activity

GoB Government of Bangladesh

GP Grihayan Project

HDT Human Development Training

HRD Human Resource Development

HRM Human Resource Management

HYV High Yielding Variety

IEG Income and Employment Generation

IGA Income Generating Activities

IEC Information, Education & Communication

Annexure - CAcronyms

180 Acronyms

INAFI International Network for Alternative Financial Institute

IOM International Organization for Migration

IT Information Technology

MDA Market Development Approach

ME Micro Enterprise

MFI Micro Finance Institute

MFTS Micro-Finance and Technical Support Project

MJF Manusher Jonno Foundation

MRPC 'Migrants' Rights Protection Committee

NARS Natural Agriculture Research System

NFE Non Formal Education

NHRC National Human Rights Commission

NGO Non Government Organization

OTR On Time Recovery

PKSF Palli Karma-Sahayak Foundation

RDF Rural Development Foundation

RMC Rural Micro Credit

RPF Resource Poor Farmers

SAP Bangladesh South Asia Partnership- Bangladesh

SCiB Save the Children International in Bangladesh

SDT Skill Development Training

SGSP Strengthening Government Social Protection

SFBD Stromme Foundaion Bangladesh

TBA Traditional Birth Attendant

TDH-NL Terre Des Hommes-Netherlands

ToT Training of Trainer

TTBA Trained Traditional Birth Attendant

UDDIPAN United Development Initiatives for Programmed Actions

UMC Urban Micro Credit

UNICEF United Nations International Children Emergency Fund

UPP Ultra Poor Program

USAID United States Agency for International Development

UTD UDDIPAN Training Division

VDC Village Development Committee

VERC Village Education Resource Centre

WDC Watch Dog Committee

UDDIPAN Head Office

UDDIPAN Head Office

United Development Initiatives for Programmed Actions (UDDIPAN)House No. 9, Road No. 1, Block - F, Janata Co-operative Housing Society Ltd., Ring Road

Adabar, Dhaka-1207, Bangladesh, Tel: (88-02) 58153216, 9145448, Cell: 01713-147111Fax: (88-02) 9121538, E-mail: [email protected]

www.uddipan.org

uddipan.org...An environmentally sound society without poverty, free from exploitation, oppression, injustice and discrimination where children, women and men live with dignity and

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