Microfinance Programme:

Goal of the program is to poverty alleviation and empowerment of the poor through providing self-employment. Micro-finance is a tool in the fight against poverty. It enables small entrepreneurs, who are excluded of classic banking system, to get loan in order to develop business.  Its impact is many folds i.e increased stable income, reduced vulnerability to external shocks, progression from the informal economy to the formal economy and improving living conditions, improved education and health care. 

Microcredit Program is the core program of the organization. It is based on integrated development approach designed to address the needs of the target groups giving emphasis on underprivileged folks including hardcore poor women and asset-less people of rural and urban areas. During the reporting period of 2018-2019 credit program of SEHEO attempted to attain the following broad objectives:

 

  • To make credit available to the poor and helpless people who do not have access to existing formal credit facilities.
  • Help creating self-employment and sustainable income for the poor.
  • Mobilize savings for the poor as old age security.
  • Reduce dependency on moneylenders.

SEHEO has been operating the Microcredit Program with its own and external fund since its inception. This program has been able bring a total of 1,31,712 members under credit services. Credit support was given to the beneficiaries in the sectors such as agriculture, flowers cultivation, poultry& livestock, dairy, beef fattening, fisheries and handicrafts. SEHEO provide four types of credit to its client i.e Rural Micro-credit, SME loan for Women entrepreneurs, Housing loan and special loan for agriculture. Apart from it also provide seasonal loan to meet demand of agricultural production. 

  1. Rural Micro-credit Program (RMC):

Rural microcredit is provided to the poor especially women organizing in group in village level. Village wise groups are formed with the poor people, finding out through a base line survey. The group usually comprise of 20 – 30 group members. Every group has its own group leader’s i.e chairperson, secretary, cashier and general members. Group sits in every week for depositing savings, loan installment repayments and making scheme for new loan, to be provided to group members. Field officer/loan officer organize the group and facilitate operation of the individual group. RMC is a group oriented savings and credit group activity. The group itself is responsible for loan disbursement and loan recovery.  The loan provided in RMC in the trade such as  spices production, vegetable cultivation, oil seed production, maize cultivation, flower cultivation , vegetable cultivation, livestock rearing, fish culture, beef fattening, small trading etc.. Usually the loan ranges from Tk. 10,000/- to Tk.  30,000/-. The beneficiaries repay loan in weekly installment. Lion part of the loan goes to agricultural sector.  During the reporting period Tk. 7422.20 Lac has been disbursed to 43660 members as RMC. Cumulative disbursement, from inception till to date, Tk. 35158.73 Lac has been disbursed as RMC. Recovery rate of the loan is about 99.72%.

 

 

  1. SME Loan Program:

This loan is provided to create micro entrepreneurs for individual members. Usually, successfully graduated RMC borrowers are entitled to get SME loan. Though, skill individual can get SME loan too. SEHEO categorizes any loan as SME loan when it exceed Taka 30,000/- (Taka Thirty Thousand). This loan may go to both agriculture and non-agriculture sectors. Most of the loan has gone to trade like Weaving facory, Handicrfts, Fisheries & Cow Fattening. Up to date Tk. 18780.55 Lac has been disbursed to borrowers as SME loan. During the reporting period Tk. 4117.27 Lac has been disbursed to 9,789 entrepreneurs.

  1. Housing Loan Program:

The Bangladesh Government is committed to provide every household a house to live in. Being a loan provider SEHEO had the opportunity to facilitate the initiative of Govt. SEHEO receive a soft loan from Bangladesh Bank for providing house building assistance to its beneficiaries. The loan is of long term. The beneficiaries take the loan to build their house and pay it in installment for a tenure of 10 years. The low cost house is made at a prescribed design, provided by SEHEO approved by the Bangladesh Bank.  The program has come to as a gift for the low income family’s i.e poor families. SEHEO has been disbursing loan to build low cost house for about 10 years. Till to date SEHEO has disbursed a total of Tk. 91, 52,500/- among 233 beneficiaries.

 

  1. Agriculture Sector Micro-credit:

Agriculture Sector Micro Credit Program is a special loan for the beneficiaries. The agricultural loan is provided to its beneficiaries to meet seasonal demand of loan to farmers. The loan goes to the trade like vegetable cultivation, maize cultivation, spices production, oil seed cultivation, flower cultivation, beef fattening etc. The loan is provided at the same interest rate but duration is about 6 months/1 year. The farmers repay the loan at a time after harvesting their produces.  Any farmers can get the loan apart from RMC. During reporting period Tk. 10404.36 Lac has been disbursed to 57,802 farmers.  The seasonal loan has become a fortune for the beneficiaries because they do not have to think about money for their agricultural production, when they need it.

 

Training Program:

Capacity building training of Staff:

For effective running of a program, capacity development of a staff is a must. Keeping it in mind SEHEO has taken initiative to enhance capacity of staff by providing capacity building training. The Accounts Officers were taught about keeping books of accounts efficiently, office management and computing to help maintaining books of accounts properly. The mangers and field staff have been taught how to form group, credit and savings management, supervision, monitoring and evaluation.  Both internal and external resource persons were hired to train up the staff.

This has stressed upon promoting professional skill and knowledge of staff members and volunteers directly involved in credit operation. A total of 155 managerial staff, 746 filed level staff and 450 volunteers have received theoretical and practical training provided by Microcredit Development & Research Unit of SEHEO. The following table illustrate statistic of training provided to the officer of SEHEO.

SL. No

Name of Training

Type of Participant

Year wise (5 Years) Number of Participant

2014-2015

2015-2016

2016-2017

2017-2018

2018-2019

01

Agri/Microcredit Management

Zonal Manager, Area Branch, Manager, Managers & Field Officers

250

390

430

720

955

02

Savings Management

Area Manager, Branch Managers, Branch Accountants  & Field Officer

80

185

200

360

515

03

Women Entrepreneur/ SME Project Development

Zonal Manager, Area Manager, Branch Managers & Field Officers

110

375

451

480

570

04

Group Approach

Branch Accountants , Field officer

110

210

220

360

520

05

Accounting

Branch Accountants, Asst. Branch Accountants

35

135

160

310

435

07

Office Management

Head Office Staff/Project Office Staff

20

90

140

320

410

08

Monitoring & Evaluation

Monitoring  Officer, Audit Officer

25

110

135

210

290

09

Computer & Software Operation

Zonal Manager, Area Manager , Branch Manager, Accountants , IT Officer & Field Officers

130

352

420

610

745

Total

760

1847

2156

3370

4440

Grand Total

12573

 

Training for Beneficiaries:

Leadership Development Training:

SEHEO implement its program/Projects on Group Approach. Group leaders are supposed to maintain the groups. That includes attendance of group members, maintaining small group, selection of small group leaders, savings collection, 100% loan installment collection, scheme preparation in weekly meeting, loan disbursement. Thus they have to perform a series of group works. To equip the group leader, it needs to train them up. In this point of view, SEHEO provide the leaders with leadership development training. Till to date, SEHEO imparted training to 140 batches of training with 730 group leaders. The training has an immense impact on discipline of group and thus the group of SEHEO is in good shape to run credit and other social development activities.

  

Skill Development Training:

Vocational training aimed at transferring viable vocational skills to beneficiaries for fostering their self-employment combining skills and credit support. Major components of career training included seasonal crops cultivation, vegetables cultivation, cow fattening, dairy management, fish culture, poultry management, handicrafts making and environment management.  The following table illustrate sector-wise agricultural training recipient:

SL. No

Name of Training

Type Participant

5 Years Number of Participant

2014-2015

2015-2016

2016-2017

2017-2018

2018-2019

01

Seasonal Crops Cultivation

Farmers

5550

8550

10340

19990

20876

02

Vegetables Cultivation

Farmers

2550

4860

12985

38550

39745

03

Flower Cultivation

Farmers

2650

3560

6860

23860

25210

04

Mize and Spice Cultivation

Farmers

175

175

7325

11555

11930

05

Beef Fattening

Beneficiaries

255

780

5890

8985

10165

06

Cow rearing

Beneficiaries

165

590

1055

2485

3740

07

Fish Culture

Beneficiaries

555

620

2030

6990

7575

08

Poultry  rearing

Beneficiaries

76

560

1380

1765

2840

09

Goats & Sheep rearing

Beneficiaries

675

2020

3086

9588

9631

Total

12651

21715

50951

123768

131712

Grand Total

340797

 

Off-Firm Skill Development Training:

SEHEO has a unit of skill development training, off-firm, in place. To facilitate self-employment of beneficiaries the trainings are being provided. The trades are taught such as tailoring, computer training, embroidery & handicraft, house wiring etc. Through the program the beneficiaries are taught in theoretical and practical lesson to equip them in a particular trade. Then the beneficiaries are provided with loan to purchase machine, raw materials to start their business. Up to date 24939 beneficiaries were provided with those training. During the reporting period 8977 beneficiaries were imparted training on the above trades. The following table illustrates trade-wise training of Consecutive 5 years provided to the beneficiaries.

 

SL. No

Name of Training

5 Years Number of Participant

2014-2015

2015-2016

2016-2017

2017-2018

2018-2019

01

Tailoring

750

1020

1870

2720

2952

02

Computer Training

120

210

490

850

1245

03

Handicrafts crafts

650

1080

2420

3650

4720

04

House Wring 

21

29

37

45

60

Total

1541

2339

4817

7265

8977

Grand Total

24939

 

Delivery of High Zinc Rice in Bangladesh Program:

Many people in developing countries like Bangladesh depend on rice for their vitamin and minerals intake but rice does not normally have zinc, along with iron and vitamin A, which is vital for children. In Bangladesh over 44% of under 5 age children suffers from zinc-deficiency, with 40% having stunted growth.  Thus, it necessitates cultivating zinc-enriching rice and making it popular in Bangladesh.  SEHEO implemented High Zinc Rice cultivation in Bangladesh to ensure faster breeding of Zinc enrich Rice in Bangladesh. Best quality seeds of BRRI dhan 62, BRRI dhan 72 & BRRI dhan 74 variety among them to cultivation of high-yielding, zinc-enriched and disease and pest resistant rice variety. It is noteworthy to state that SEHEO has been cultivating the rice for about previous 6 years

 Home-stead Tree plantation:

Environment degradation is a major threat to subsistence. Climate change has become talk of the universe now days. Carbon emission that causes climate change has to be cut down. Only the way that can reduce carbon emission is tree plantation. Under this program, group members and other people of the project villages were made aware of environment degradation & pollution, and its protection. During the reporting period of 2018 -2019, 31,350 saplings, both timber and fruit trees, were distributed among 2750 group members in 90 program villages. Sapling was collected from Government and private Nurseries. The beneficiaries who got the saplings provided a one-day orientation how to plant saplings and care of it. The saplings were distributed to plant it in their respective home-stead. This program was implemented with the support of SEHEO & Department of Forest and Environment of Bangladesh Govt.

Details of Tree Plantation Program:

Years

No. of Beneficiaries

Distribution of free seedlings

2015

1475

67250

2016

1680

76500

2017

1520

85900

2018

1230

12500

2019

1750

18850

Total

7655

261000

 

Fisheries Program:

Fisheries program of SEHEO has become one of the most effective programs over the last 6 years in terms of poverty reduction, nutrition and food security.  Through the program the beneficiaries are provided with training and technical support. Personnel from local fisheries office and our staff impart training to the beneficiaries. After completion of the training, the beneficiaries are provided with credit support for stocking fingerlings and purchasing fish feed.  Both individual and group based fish culture program is in place. In group based fisheries program, a group of fishermen hire a pond to cultivate fish. The members of the group contribute equally in the venture.  Though SEHEO give loan to individual fisherman but the money goes to group fish culture. So far, 50 groups, comprising 256 group members, have been formed to lease out 50 pond, with about 40.0 acres of water body. After harvesting, the beneficiaries share profit equally. Besides, individual fishermen are also covered by the program. They are also provided with training and credit support for the purpose. At present, there are about 18535 individual house-holds and total 382.50 acre of water body under the program. The following table represents the status of the program.

  

Years

No. of Beneficiaries

Total water body

2015

4280

109. acre

2016

8955

175.04 acre

2017

10540

226.0 acre

2018

14365

262.15 acre

2019

18535

382.50 acre

Total

56675

1154.69 acre

 

Mother and Child Health Care Program: Mother & Child Health Care Program of SEHEO is a regular program of the organization. During the reporting period of 2018-2019, this program has been implemented giving support for primary health care and family planning services. Major activities of this program were organizing primary health care camp and free medicine distribution, sanitation, mother and child health care etc. This year SEHEO’s Primary Health Care & Family Planning Program delivered various health and sanitation related services to 18535 beneficiaries.  This program is supported by the Ministry of Health and Family Welfare.

 

Allowance for the poor mother during pregnancy period program:

With the financial support of department of Women and Children Affairs, SEHEO has been implementing the project for pregnant mothers for the period of 2018- 2019. The program is a part of social safety net program implemented by the government. Through the program the pregnant mothers are provided with monthly monetary allowance and provided social development training. The mothers were provided training on Personal Hygiene and Cleanliness, Safe Maternity and Pregnant Mother Care, Health & Nutrition, Gender equality and Women Empowerment, Early Marriage, Family Planning, Birth Registration, Breast-feeding, Mother & Child Care, Food & Nutrition, Disaster Management etc.. The program is being implemented in 8 unions of Harinakundo upazila, 16 union of Golapgonj upazila Under Shylet District, 10 Union of Kushtia Sador, 15 Union of Faridpur Sador  and 8 unions of Fakirhat upazila under Bagerhat district. 3-5 day long trainings were imparted to all the mothers. Last 5 years total 35500 mothers, were enrolled by the program. The following table shows year wise imparted training to the beneficiaries by the program.

 

 

Sl. No.

Name of training

2015

2016

2017

2018

2019

01

Personal hygiene and cleanliness

1775

1775

3550

3550

3550

02

Safe maternity and pregnant mother care

1775

1775

3550

3550

3550

03

Health & nutrition,

1775

1775

3550

3550

3550

04

Gender equality and women empowerment

1775

1775

3550

3550

3550

05

Early marriage prevention

1775

1775

3550

3550

3550

06

Family planning,

1775

1775

3550

3550

3550

07

Birth registration

1775

1775

3550

3550

3550

08

Breast-feeding Mother & Child care

1775

1775

3550

3550

3550

09

Food & Nutrition

1775

1775

3550

3550

3550

10

Disaster management

1775

1775

3550

3550

3550

Total Beneficiaries

35500

 

Safe Water and Sanitation Program:

Healthy society and sustainable environment is the prerequisite for sustainable socio-economic development of a nation. But national development is obstructed because of the 25% population of Bangladesh still are out of standard sanitation and safe water facilities. Due to scarcity of safe water people have to suffer a lot. Consumption of unsafe drinking water leads to water borne diseases that claim many lives particularly of children. Frequent ailments also lessen annual working hour of people.  According to the Govt. information 75% family of our country use hygienic sanitary latrine; 20% use unhygienic latrine and remaining 5% defecate at open places. Considering the terrible situation, Bangladesh Govt. has determined to ensure sanitation facility for all.  In this context, SEHEO has been implementing safe water and sanitation program at 11 upazilas of 06 districts. SEHEO conducted awareness program about the necessity of safe water and hygienic sanitary latrine organizing rally, small group discussion (court yard meeting), distributing poster and leaflets and organizing WATSAN FAIR as soft-ware support. During the reporting period, in terms of hard ware support, SEHEO distributed 10 tube-wells and 932 ring slabs among its beneficiaries. The following table shows year on year beneficiaries covered by the program.

Status of activities done in the sector of Water & Sanitation:

Years

Village

No. of Beneficiaries

2015

310

1124

2016

330

1710

2017

380

2295

2018

860

3160

2019

1245

6225

Total

3125

14514

 

Child Education Program:

 

Pre-primary Education:

 

Education is the back bone of a nation. Though literacy rate is increasing but still quality of education is a matter of concern in our country. About half of the children drop out from school even completing five grade of education. The cause is nothing but our parents in rural settings are not educated and lack of motivation. Thus, we have to start from the very begging of education of a child. The children should be made physically, mentally and psychologically prepared for going to school. In this context, SEHEO initiated pre-primary education for minor children of 4-5 age group. Through this initiative, an education center is opened in cluster village to accommodate 25-30 children in it. The center is for 1 year term. The children are taught elementary education that is introduction of alphabets, simple math like counting etc. The children are enrolled in the center for 1 year. After completion of 1 year of education they are facilitated to get admission into nearby govt. primary school. Apart from, the parents of the children are motivated to send their children at school and made aware of other social issues like early marriage, necessity of education, safe water and sanitation etc. SEHEO has been running the program with the technical and material support from CAMPE, Dhaka and SEHEO. Up to date 450 children were imparted pre-primary education and were facilitated to get admission into govt. primary school nearby. 

 

Disability Development Program:

About 10% of our total population is disabled. This is, actually, a hug population. Thus, we cannot imagine development of our country excluding that huge population. In this very context SEHEO has undertaken the disabled development program. Bangladesh Protibandhi Unnayan SEHEO, one of the govt. organizations, is specially engaged in mainstreaming disabled people in development. SEHEO has managed to become the partner for this endeavor and running the disabled development program with their technical and financial assistance. IGA training, awareness raising on their rights, providing assistive devices, education support was provided by SEHEO. Micro-credit support is also given to them from SEHEO.  The following table shows last year on year support given to them.

 

  

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Prevention of Women & Child Trafficking Program: 

Bangladesh is one of the most vulnerable countries for trafficking in person because of its large population, large scale of rural urban migration and large number of population living in abject poverty, natural disaster and gender inequality. During distressed situation, like river erosion, flood, etc. lack of shelter for girls and their security are the great problem. All these sectors make people vulnerable and easy target for traffickers. Moreover, existing patrilineal / patriarchal family system of Bangladesh are making women and children vulnerable to trafficking to a great extent.  Besides, there are some other identified causes of trafficking that includes: (i) feminization of poverty, (ii) increased insecurity of basic needs and civic facilities, (iii) separation and divorce of women (iv) increased number of street and working children (v) natural disaster and displacement (vi) false hope of employment and marriage (vii) organized crime syndicate (viii) increased level of corruption among law enforcing agencies etc.. The trafficking is a gender and age specific phenomenon i.e it affects mostly women and children. Consequently they are the victim of coercion of prostitution, forced marriage, forced work, forced begging, and organ harvesting and so on. Probability of HIV/Aids due to expansion of sex industry could not be ruled out.  

Jhenaidah, Jessore, Satkhira & Kushtia are frontier districts of Bangladesh bordering India. As a result, trafficking is a major problem here. Taking consideration of the situation, SEHEO has undertaken the anti-trafficking program. Mass awareness program, community leader meeting, meeting with law enforcement agencies, rally, seminar, door–to-door awareness campaign, legal aid support etc. are organized by the program. Besides, leaflets and posters were printed and distributed among common people and hang on different public palaces. Documentary film show was also screened in public places to make aware people of trafficking in men, women and children.

SEHEO has been running the program for about 10 years. During the reporting period, it has conducted 1345 court yard meeting, four rallies, and one seminar. Apart from, 12,000 leaflets and 6,000 poster were printed and distributed. In total about 1, 45,430 people were reached by the program.

 

Workshop on Prevention of Women and Child Trafficking:

Trafficking in men and women has become as curse to our society. Luring women for jobs with handsome salary, the traffickers send them abroad and neighboring countries.  Then they fall prey to different sorts of abuse including sexual abuses. To aware the people of the trafficking in persons SEHEO implement the program. It organized a three-day workshop on prevention on women and child trafficking at SEHEO Training Center. A total of 88 stakeholders participated in the workshop including women leaders, local public representatives, human rights activists, community leaders, journalists, teachers and SEHEO staff members. Sessions of workshops were carried out by external and internal resource persons. Sessions focused on target, routes, pattern and rings of trafficking as well as preventive measures. 

Drug abuse Prevention & Control program:

Now a day’s drug abuse has become as menace. The situation has turned so alarming that govt. has initiated a crackdown program against drug peddler. SEHEO has its own drug abuse and prevention control program. Aim of the program is to aware the students of Universities, Colleges and High Schools of the hazards of drug abuse and its adverse impacts on personal and social life. During the period, about 8,825 students of various institutions and 80730 group members were made aware of the issue through conducting group based meeting and school & college forum. In each institution, one Drug Abuse Prevention Committee was formed. This program distributed posters, leaflets and handbills among the students of target institutions and to all groups.

HIV/AIDS Prevention Program: 

Bangladesh is surrounded by India and Myanmar, two high prevalence countries on HIV/Aids. Though, still Bangladesh has low HIV/Aids prevalence but outbreak of it cannot be ruled out.  SEHEO has a program to address the issue. Through the program, it has created awareness among transport workers, factory workers and floating sex workers in Jhenaidah, Kaligonj, Benapol, Jessore, Jibonnagar, Dorsona under chuadanga district on HIV/Aids. During the reporting period of 2018-2019, the program provided seven-day long training to 3525 factory & transport workers and floating sex workers through 36 training sessions. The training sessions were arranged in the community centers, school premises and in similar venues. The content of the sessions were: 

  

 What is HIV/AIDS and STDs/STIs

  • Socio-economic impacts of pandemics
  • Transmission mechanisms of HIV/Aids
  • Protection and prevention measures
  • Role of participants preventing HIV/Aids

 FACTS ABOUT HIV/Aids PREVENTION PROGRAM: 

 

Years

Participants

No. of Participants

Male

Female

Total

2015

Transport Workers, Truck Drivers Bus Drivers,  Riksaw Drivers Factory Worker,  Floating Sex worker

265

1550

1815

2016

Transport Workers, Truck DriversBus Drivers,  Riksaw Drivers Factory Worker, Floating Sex worker

205

 

820

 

1025

2017

Transport Workers, Truck DriversBus Drivers, Riksaw Drivers Factory Worker, Floating Sex worker

180

 

215

 

395

2018

Transport Workers, Truck DriversBus Drivers, Riksaw Drivers Factory Worker, Floating Sex worker

765

2285

3050

      2019

Transport Workers, Truck DriversBus Drivers, Riksaw DriversFactory Worker, Floating Sex worker

870

2655

3525

Total

2285

7525

9810

Disaster Management & Social Responsibility Program:

Disaster Management Program of SEHEO is operated in disaster prone areas of Bangladesh. Major activities of this program, in emergency period, include emergency relief, supply of food stuff, drinking water, medication and essential drug distribution. After the disaster, as rehabilitation options support was given to repair house and livelihood support. During the reporting period, this program delivered services 9810 disaster affected people. Through this program, SEHEO trained up 150 community based disaster support activists who helped disaster victim people in emergency situation and post disaster rehabilitation.

Winter Cloths Distribution:

Due to climate change country facing drought, heavy rain fall, frequent flood, chilling cold like disaster. Though Bangladesh is graduated from least developed country to developing one, still there remain about 12% hard core poor people. The hard core poor people lack of resources and toils a lot for their subsistence. They are the people who suffer severely during those crisis period. To mitigate the sufferings of the people, SEHEO does its best. In winter, chilling cold comes as curse for those people. SEHEO extends its helping hand during that time providing humanitarian support. Working area of SEHEO experienced bitter cold during the reporting period and it distributed 1,475 pieces of winter cloth such as sweater and blanket to the hard core poor people.

  

Vulnerable Group Development (VGD) Program:

SEHEO has been implementing VGD program, a safety net program of Government, with the financial support of Department of Women and Children Affairs (DWA) under Ministry of Women and Children Affairs. Through the program it provides life skill training and social development training. Through the program SEHEO has been enrolling 5025 beneficiaries. During the reporting period about 4,576 beneficiaries have been trained up on IGAs and other social issues. About Tk. 5, 74,600/- has been deposited to Bank which will be returned to the beneficiaries after completion of the project. Loan amounting to Tk. 10, 05,000/- (Taka Ten Lac Five Thousand) only has been disbursed to the VGD beneficiaries.

 

The following table shows Union wise beneficiaries enrolled by the program:

District

Upazila

No. of Unions

No. of Participants 

Magura

Mohammadpur

08

1260

Faridpur

Alfadanga

06

1851

Shylet

Companygonj

09

914

Golapgonj

Golapgonj

06

1000

Total

4

29

5025