BISWA B H AR AT I N TEG R A TED S O C I AL W EL F AR E AG EN C Y (As o n M a r c h 2 0 0 8 ) Acronym: BISWA Complete postal address: At: Danipali, Post: Budharaja District: Sambalpur, State: Orissa, INDIA 768004 Telecommunication: 0663-2533597/ ,0663 6451237 +91-9437056453/ +91-99370 16663/ +91-93373 00631 Telefax: +91-663-2533597 E-Mail email@example.com/ firstname.lastname@example.org Website: www.biswa.org Legal Status: Legal structure: 1. Registered under Societies Registration Act XXI of 1860, Govt.of India vide Regn No-22060-41 of 2005-06 dated 01.07.2005 (issued against old Regn No-4824-22 of 1995-96 dated 15.07.1995) 2. Registered under Foreign Contributions (Regulations) Act 1976 Govt.of India vide Regn No105060053 dated 05.07.2000 3. Exempted under Section 12A and 80g of Indian Income Tax Act 4. Income Tax Permanent Account No-(PAN)-:AAATB4843L 5 Registered under Orissa Sale Tax Act 6. Registered under Central Sales Tax Act 7. Registered under Disabilities Act of Department of Women & Child Department, Govt of Orissa 8. Licensed to Export Handicrafts 9. Registered under Indian Labour Act Outreach 30 districts of Orissa 02 districts Jharkhand through partner NGOs 16 districts of Chhattisgarh 04 district of Nagaland 01 district of Rajasthan 01 districts of Delhi 02 districts of Bihar 01 district of Uttaranchal 01 district of Madhya Pradesh 03 district of Uttar Pradesh 04 districts of West Bengal through partner NGOs BISWA FOUR PILLARS OF BISWA BISWA SOCI AL MI CRO MI CRO MI CRO DEVELOPMENT ENTERPRI SE FI NANCE I NSURANCE Vision Statement Just and equitable society with greater emphasis on spirituality, compassion and peace on earth. Mission Statement To make a real and lasting social, financial, psychological and spiritual impact on individuals, help build strong cohesive communities and generate substantial employment opportunities by increasing availability of a wider range of services MICRO FINANCE micro Finance Vision To increase the availability of wider range of financial services for poor women and their use of those services through the process of expansion as well as consolidation of the micro-finance programme and creation/facilitation of a sustainable community-based micro-Finance institution within the year 2011 . micro-Finance Mission Create a fair and level playing field for every micro-entrepreneur so that they do not need to be permanent dependent just because they do not qualify for the mainstream finance. Revive the root of banking, so that credit is once again based on trust and relationship and a person’s wealth or poverty has no bearing on his/her creditworthiness. Make a real and lasting psychological, social & financial impact on individuals; help build strong, cohesive communities; and generate substantial job opportunities and economic benefit for society as a whole. Make available financial services at lowest possible cost at the door step of the customers. BISWA micro-Finance objective To bridge the gap between demand and supply. To provide collateral free loan to the poor. To bring changes in public policies and practices in favour of the poor and deprives, particularly in the areas economic, fiscal and social administration. To encourage & collaborate with people and institutions with objectives similar to those of BISWA mFI Strategy adopted Encourage Savings for Capital growth Encourage Micro-enterprise for credit deepening Credit to pursue income generation activities Women focused Federation Building Collateral free loans Provision of Social security system (Insurance) Flexible repayment periodicity micro-Finance Products At present BISWA has three 3 products Credit, Savings and Insuranc Credit 1. The credit is carried out through Self Help Group (SHG) model. The SHG is formed and promoted by BISWA taking 10-20 homogenous (e.g. Male/ Female, Artisans, Farmers etc.) individuals living in a compact geographical area (villages/ wards). The SHGs are encouraged to practice thrift and compulsory savings and are savings-linked (depositing saved amount in their respective bank accounts operated jointly by the President and the secretary of the SHG) to nearest bank. After a certain period of nourishment (3-4months) the SHGs are encouraged to enter into internal credit practices. After six months the groups are graded according to a pre=defined criteria and the groups obtaining A or B grade are considered to be eligible for external credit linkage. The C graded groups are further nourished until attaining A Grade status. During this capacity building phase of 6 months, the groups are imparted training on group dynamics, book/record keeping, leadership development etc. by in-house professional trainers. The demand for a credit is generated among the eligible groups. The groups are educated on eligible criteria, terms of loan, rate of interest, repayment schedule and other aspects of the credit linkage by the respective community organizers. 2. Rate of Interest: 20% per annum on reducing balance for the SHGs 3. Average term: 9 months 4. Collateral: Nil BISWA 5. Documentation Fees: 1.5% on loan amount 6. Transition cost: Nil 7. Average waiting period: 21 days The loan are granted by a Loan Committee basing on the amount of saving (amount accumulated out of compulsory savings) available at the bank/in hand. Internal credit is discouraged by the time as a SHG is considered eligible for an external credit. 8. Rescheduling of loans is not practiced at present. 9. Though it is a single product, it covers up a wide range of services: agriculture, skill development/ diversification of livelihood options, animal husbandry, consumption, exigency expenses etc. Savings: Compulsory saving: An amount of saving each member has to deposit at a given interv al (a week /a month) as decided by the respective groups in their meetings. This amount may vary from Rs 10/-per member per week to Rs. 200/- per member per month (considering average savings per member per week /month). The savings are deposited in their respective bank accounts and are not utilized by BISWA. In case of deposit of the amount as Margin Money, the money is not further extended as a part of their loan amount. The margin money earns the group a rate of interest of 5 % per annum. Micro Insurance BISWA is an organization of the people, by the people and for the people. The interventions like Micro Finance, Micro-Enterprise and basic needs are meant for the sustainable all-round development but this needs to be backed by the Schemes like Micro Insurance.As a social security measure it has paid a great dividend. Measures have been benefited by the poor people through different Insurance Schemes. Micro-Insurance is related with Micro-Finance beneficiaries i.e. SHG members and their family members also. It is his desire that Micro-Insurance should be an intrinsic Project of BISWA like Micro Finance and Micro Enterprise. So BISWA has launched Micro Insurance in a massive way. Micro means in a small way. Micro Insurance means the insurance which our SHG members can easily afford. There are 4 Insurance Schemes under Micro-Insurance. 1) Life insurance ( covered by LIC and TATA-AIG), 2) Health insurance (covered by ICICI-Lombard and Oriental Insurance Company Ltd. ), 3) Assets insurance (covered by Oriental Insurance Company Ltd.). BISWA is a corporate agent of LIC India Ltd and Oriental Insurance Company Ltd. Many SHG Members have been benefited by the above Insurance schemes. TATA AIG LIFE was introduced in the 28 Districts of BISWA in March 2008. The Policy figure crossed 5000 in by September. This was highlighted by Mr. Manish Lalwani, Tata AIG Life Senior VP and Zonal Business Head (East) in a press conference in Bhubaneswar. He said, “ Micro Insurance penetration has increased significantly in Orissa with Tata AIG Life partnering BISWA, one of the country’s largest microfinance institutions, to provide micro finance customers with a savings-linked micro insurance cover. “ BISWA Chairman announced the expansion of Tata AIG Life to 21 other Districts in Orissa in the Monthly Review Meeting of the District Coordinators. He was hopeful that this will strengthen the strategic partnership between the 2 Institutions. Trainings imparted by Tata AIG till March 2008: 13 Total no. of MISP Agents Agents till March 2008: 145 BISWA’s Micro-Insurance Achievements Sl. Policy Insurance Total Client Number of claims No of Claim Claim amount No Coverage Company covered up to made up to settled received March;08 March’08 1 LIFE LIC, 73,610 122 87 Rs.21,90,000/- 2 LIFE TATA AIG 13,699 02 Rs.20,000/- 3 3 HEALTH ICICI Lombard 1,77,047 461 339 Rs.19,67,133/- 4 ASSETS ORIENTAL Ins.Co 28 Rs.10,27,757/- 77,328 47 5 HEALTH ORIENTAL Ins.Co 01 Rs.2067/- 2,728 04 Some relevant Ratios of BISWA micro-Finance Activities Return on Performing Assets 68% Financial Cost Ratio 09% Loan Loss Provision Ratio 03% Operating Cost Ratio 04% Yield on Portfolio 56% Operating Grant Ratio 63% Operating Self-Sufficiency 406% Financial Self-Sufficiency 406% Cost per Unit Money Lent 0.01 Paisa Cost per Loan made Rs.1,275/- Average no of loan per Credit Officer 61 Average Portfolio per Credit Officer Rs.40,15,008/- Portfolio in Arrear 0.3% Portfolio at Risk 01% Reserve Ratio 0.2% Sector wise distribution (%): Agriculture: 78 Small Business: 14 Consumption: 08 Total Federations: 233 Operationalized: 54 Total NGOs supported: 84 BISWA Key initiatives & accomplishments of BISWA as an mFI: Income generating activities of the SHGs made sustainable. A platform created for federating of SHGs into Mutual Benefit Trusts. A seek unit of District Administration rejuvenated. Encouraging SHGs to enter into production/ processing activities. Employment opportunities created through the unit. SHGs exposed to marketing and products of other SHGs. Expanded customer base for the products. SHGs protected from malpractice in business activities. Freeing the groups from clutches of money-lenders. Saving the groups from meeting additional expenses of marketing. Encouraging the SHGs to take up innovative/ experimental projects. Convergence of micro-enterprise into micro-finance Inclusion of special livelihood groups into mF and mE activities Attaining Nodal Status in Chhattisgarh for Rashtriya Mahila Kosh Promotion of Mutual Benefit Trust (Federations of SHGs) as legal entities and client owned client managed client controlled community based institutions. Promotion of Non-Banking Financial Company at the apex level to meet the financial needs of the federations/ SHGs and other NGO-mFIs. Ratings: 1. By M-CRIL as ß+ 2. By CRISIL as mFR3 3. By Mix Market **** 4.By CRISIL as MFR4 BISWA NBFC In the year 1995 BISWA started its microfinance activities. Initially the activity was only concentrated at Sambalpur district. The external credit facilities to the SHGs were either by directly linking the SHGs to the Banks or BISWA availing small loans to extend the credit. NABARD was first appraised the SHG promotion of BISWA and extended promotional grant support. During the year-2002 CARE-India (Orissa) conducts PACT Study. In October-2002 CARE-India (Orissa) came up with the Credit and Savings for Household Enterprise (CASHE) Project to partnered with BISWA for Sambalpur District. The main thrust of the partnership was to promote BISWA microfinance program into a separate legal entity with increasing their outreach, scale & microfinance program performance. During the four years of partnership BISWA could able to achieve many milestones on the front of SHG promotion & strengthening. The community based institutions in the form of small associations called MBTs were formed & legalized. The journey never ended their. With continuous mentoring support from CARE CASHE team BISWA could think of to legalize its mF operation into the form of NBFC for profit the first of its kind in Orissa. In this context the support of one consulting firm from New Delhi called Nimbus Consultancy & venture capital by Bell Whether is noteworthy. BISWA MICRO ENTERPRISE Micro- Enterprise Mission To bring recognition, legitimacy, respect and opportunity to the 100,000 skilled micro-entrepreneurs in the Orissa region. To create a fair and level playing field for every micro-entrepreneur, so that they do not need to be permanent dependent just because they do not qualify for the mainstream finance. BISWA has promoted micro-enterprise among the target groups in its operational area irrespective of them being members in SHGs promoted by it or not. The salient features of the rural/ Micro-Entrepreneurship development programmes of BISWA are: assessment of available resources, need and marketability imparting skill development trainings creating community capital base to undertake production/ processing activities establishing forward and backward linkages for smooth operation control and development of quality of produce (value addition) export promotion of SHG product Showing the path to the artisans and rural youth. (Understanding need) Networking among firms firms & Institutions Capacity building of the rural, tribal & urban youth. Conduct technological workshops Impart technological training Visit of expert from recognized institutions Personal counseling to the entrepreneurs Workshop on good health & work safety Documentation Micro Enterprise Strategy Develop local institutions through promotion of SHGs. Technology up gradation through skill development of artisans. Network formation among artisans. Development of BDS market for minority communities. Establishment and strengthening of Small & Micro Enterprises among Minority Communities. BISWA Micro Enterprise Interventions Issues Addressed in the intervention programs Low level of technology. Limited network among the development actors. Low level of information communication among various stakeholders of development. Little knowledge about scope and limitation of the product marketing. Very little or non-existence of Small & Micro Enterprises (SME). Static industry association The rural & urban artisans do not have the scope and resources for their technology up -gradation in traditional skill, through any kind of training programme. In addition to the above fact, there is always an apprehension among these poor artisans regarding the marketability of their new design products in their local market and/or their traders. To overcome such problems, BISWA has insisted on providing technology up-gradation training programmes to the already existing traditional artisans in order to provide them an increased income generating opportunity. The following interventions are regularly made by BISWA for its project beneficiaries for their technology up-gradation. BISWA has received support in imparting some of these training from various sources including Government of India, NABARD, Functional Vocational Training Forum, Mahila Vikash Samabaya Nigam, Development Commissioner (Handicrafts), Notified Area Councils of Bargarh, Jharsuguda, Brajarajnager, Burla and Sambalpur Municipality. Training Imparting skill development training to bamboo artisans at Jhankarbahali and Malkangiri Imparting vocational training to urban and rural youth at Sambalpur, Burla and Jharsuguda Imparting design development training for brass and bell metal artisans at Rengali & Katapali Imparting Rural Entrepreneurship Development training Imparting Micro Entrepreneurship Development training Establishing common facility centers Imparting training to handloom weaver in Bheden, Barpali & Sohela Blocks of Bargarh Marketing We at BISWA before taking on any Small & Micro Enterprise (SME) for the cluster artisans, assess the market of the product, to be manufactured by these enterprises. In the process we conduct some of the following programme prior to taking up the technology up gradation programme and some during the tenure of programme. Developing list of potential traders (Pre-training) Personal counseling to traders (Pre-training) BISWA Product benchmarking (during training) Developing common brochure & website (Post-training) Buyer-Seller meet (Post-training) Workshop on diversification (Post-training) Tie-up with retail outlets (Post-training) Training programme on diversification (Post-training) In order to ensure a permanent marketing facility to SMEs established by the beneficiaries trained under its technology up-gradation programme BISWA has opened a marketing outlet which displays the products manufactured by such trained artisans and retails it and also acts as a wholesale agent for such products. Laxmipriya Micro enterprises Laxmipriya Micro enterprises is registered under sec 25 of Companies Act a non profit organization on 03 rd January 2008. In pursuance of its objectives and adopted strategies for women empowerment in particular and community development in general, formation of SHGs, adequately train them in group dynamics, encourage thrift and savings have been prime concern of BISWA since inception. A key issue emerged in the process i.e. to suggest and facilitate activities which gave the members access to finance - finance free of any loan tag; even revolving loan fund of BISWA. Skill development training, design development training, production or processing of quality materials/ goods was to become worthless had there been no system for outflow of the product. Presently Laxmipriya Micro enterprises sells more than 100 items: handicrafts, tailor-made garments, brass and bell metal, processed food material, leaf plates/cups etc. More than 500 Self Help Groups producing these items are associated with this outlet. Networking As BISWA believes in collective effort, it has involved all the stakeholders in all of its development eff ort. In all the programmes assisted by NABARD, it has formed a monitoring committee at the district level consisting of all possible institutions and persons. Networking between firms & institutions Integrated DC (H) under the scheme of AHVY for design development in the cluster development at Rengali for Brass & Bell Metal. Working with DIC as one of the district level monitoring committee formed to monitor the programme implementation of the NABARD sponsored cluster development. Sensitized Bankers to provide loan assistance to the trained artisans under different EDPs. Involved CARE (India), RMK & BANK and other FFIs in its micro finance programme in order to leveraging fund for meeting the credit demand of these trained artisans to establish SMEs. Involved lead Banks of the district, District Magistrate & Collector as members and chairman of the district level monitoring committees formed for proper coordination and effective implementation of the EDPs. BISWA Common Facility Centres 1. Common facility Center for Brass and Bell-metal artisans at Ganesh nagar of Rengali block, Sambalpur 2. Common facility Center for Leaf cup-plate makers at Charichhak, Boudh 3. Common facility Center for Brass and Bell-metal artisans at Katapali, Bargarh Impact of CFC In comparison of state of affairs between pre-intervention and post-intervention periods it is observed that the following developments have taken place: Skill of the artisans is enhanced and they are able to produce finer objects by semi-mechanized process. Income level of the artisans has rise by 80%, the artisans tending to move out of BPL. Innovative product designs have been evolved by the artisans. Common problems are addressed collectively. Contractual trade practice eliminated by giving more financial benefit to the artisans. Social security for all sects of the community enhanced; emerged from the enhanced economic freedom. Vulnerability of the artisan community significantly decreased. Cluster Development 1. Bamboo cluster at Jhankarbahali, Sambalpur 2. Dhokra cluster at Kishorenagar, Angul 3. Dhokra cluster at Bairapari, Malkangiri 4. Bamboo cluster at Kudumulguma, Malkangiri 5. Bamboo cluster at Ghanabeda, Malkangiri 6. Bamboo craft (kandi) in Gariabandh of Raipur district (focusing Kamar tribe) Rural Entrepreneurship Training imparted 1. Weaving 2. Tie and Dye 3. Brass and Bell-metal 4. Soap making 5. Leaf cup plate making 6. Carpentry 7. Sisal 8. Candle 9. Soft toys 10. Black smithy 11. Goatery 12. Small Business 13. Vegetable Vending 14. Vegetable Cultivation 15. Spices Making 16. Badi Papad making 17. Sabai roap making 18. Food processing 19. Seasonal Business BISWA 20. Dry fish 21. NTFP collection & processing Training cum Production Centers (TPC) established Soap training cum production center at Budapada, Sambalpur Soft toys training cum production center at Kamali bazar, Sambalpur Tailoring training cum production center at Kamali bazar, Sambalpur Badi and Papad training cum production center at Kamali bazar, Sambalpur Weaving training cum production center at Hatibari, Sambalpur Candle making training cum production center at Hatibari, Sambalpur Sisal fiber training cum production center at Hatibari, Sambalpur Sambalpuri saree making unit at Bargarh Brass and bell-metal unit at Katapali, Bargarh Readymade Garments unit at Diptipur, Bargarh Paper plate making unit at Bargarh Tie and Dye unit at Marikel, Bargarh Leaf cup plate making unit at Boudh Special inputs designed for involving minority communities in micro-enterprise programmes Skill up gradation training to artisans belonging to minority community. Formation of artisan guild for these minority community artisans in their respective places. Provide a common facility centre to these artisans of minority community. Transformation of existing infrastructure into model village infrastructure. Help establish set-up individual SMEs for each minority community artisan family. Action taken for enhancement of micro-enterprise activities Promotion of Laxmipriya Micro Enterprise Pvt.LTD The proposed entity have been registered as a not for profit company under Companies Act The Laxmipriya Micro Enterprise Pvt.LTD shall act as a resource center for development of micro enterprises. The Laxmipriya Micro Enterprise Pvt.LTD shall facilitate forward and backward linkages for micro- enterprises. The Laxmipriya Micro Enterprise Pvt.LTD shall promote export of SHG products SOCIAL DEVELOPMENT Urban Sanitation Programme Sanitation of the urban limits is a mandate of the local self-governance system, the Municipality/ Notified Area Council (NAC). Working in association with these bodies in Sambalpur, Bargarh, Hirakud and Brajarajnager, BISWA has undertaken all the sanitation activities. The sanitary workers are formed into Self Help Groups and they are no more the employees. What they do is what they own. The sanitation activities wards (divisions of these urban bodies) under control of BISWA are done with more sincerity & involvement and incur less expense. BISWA Socialization of Leprosy Cured Persons Padmashree Dr. Isaac Santra, an eminent Gandhian social worker established an Ashram for the persons affected by Hansen’s disease; leprosy; at Hatibari in the year 1951. The centre was named after the village; Hatibari Kusthashram which later came to be known as ‘Hatibari Health Home. After the demise of the great soul Dr. Santra in August 1968, the management of the Home came under the control of Hind Kustha Nibarana Sangha (HKNS), a national organisation working for identification, treatment and rehabilitation of leprosy cured persons having His Highness the President of India as its Chairperson and His Excellency the Governor of Orissa as its Chairpersons for Orissa state. The Sambalpur chapter is chaired by the Collector & District Magistrate, Sambalpur with the District Social Welfare Officer as the Secretary cum Treasurer and the Chief District Medical Officer as members along with other eminent social workers. The Home provides an opportunity to the leprosy affected as well as cured persons to lead a normal life with self-respect, dignity and without a feeling of being socially excluded. The infrastructure available at the Home, viz. the cultivable land, the industrial sheds (for black-smithy/ rope making/ tailoring/ handloom weaving),the Pisciculture ponds and the orchards provided them to work with confidence and an opportunity to lead a respectable and dignified life. However after the departure of the great soul, the maintenance of the infrastructure went down gradually with a deepening of morale, self confidence among the inmates. The situation was viewed seriously and discussed several time in a series of meetings of the management. Subsequently DHKNS advised BISWA to take over the productive utilization of the infrastructure available at the Home. Present status at the Home Presently the Home has 192 inmates out of which 97 are male and 95 are females. Total strength of the Home is for 194 inmates for as mentioned below: By the dept. of W&CD and Panchayati Raj 148 By the dept. of Health 46 Vocational Training programme: Functional Vocational Training Forum (FVTF) supports BISWA to impart vocational training programme as a Nodal Body. BISWA has involved 3 other NGOs in this programme and has a 275 number of trainees receiving training in different trades. Basic Needs Programme Mrs. Joyasree Mahanti, a renowned social worker, residing in Michigan of USA came in contact with BISWA during 2002. Since then she is working in association with BISWA for overall development of 48 identified villages. Out of these 48 villages, 16 are presently covered and the rest shall be covered by another two years. The following thrust areas are identified and intervened to better the situation. Availability of safe drinking water: By the end of financial year 2005-06. 24 tube wells have been sunk at strategic points Establishment of innovative schools: 16 Innovative Schools are established which have two major components: Preschool education and elementary education. In addition to formal syllabus, the children are imparted training on other aspects of social life such as environment, health and sanitation etc. Enhancing Health status: The programme has established 15 Community Based Drug Distribution Centers in even number of villages which are BISWA operated by trained health workers from among the community. Extension of credit service for Under Basic Needs programme the artisans in the villages covered are formed undertaking Income Generation into SHGs and are supported by external credit services of BISWA to pursue Programs by Self Help Group their livelihood. They are imparted micro enterprise training on their Members respective trades. Construction of Water harvesting Four Water Harvesting structures are currently constructed to Structures to facilitate irrigation facilitate irrigation in cultivated land to augment productivity and fertility Environment Protection BISWA participates in the National Environment Awareness Campaign lunched by the Department of Forests and Environment, Govt. of India every year since last 6 years. Awareness regarding protection of environment is the main theme of the programme. Plantation As a special measure to restore greenery in its operational area BISWA has undertaken intensive plantation. In its plantation programme special attention is given to replenish existing forest coverage and create new greenery in wasteland. a. Plantation of 16500 bamboo shoots in adjacent jungle of Jhankarbahali b. Plantation of 1000 saplings of in Budapada, Jhankarbahali, Tangarjuri and Rathipada c. Plantation of Lemon, Mango, Bamboo, Lichee, Guava, Papaya and Sisal fiber in 196 acres at Hatibari Health Home d. Plantation of Lemon saplings at Maneswar e. Extension of financial support to Budharaja Van Unnayan Samiti for plantation at Budharaja School campus and Budharaja Hill slop. Reproductive and Child Health BISWA has been implementing Reproductive and Child Health (RCH) program of Government of India through the Mother NGO, MY HEART of Bhubaneswar since 1999. The activities were carried out in 20 Grampanchayats of Sambalpur district, covering a total population of more than 80000. Till date BISWA has implemented programmes pertaining to Reproductive and Child Health benefiting more than 150000 population spread throughout the district. In Chhattisgarh, BISWA has covered Nawagarh block of Janjgir Champa district under its RCH programme. 375 households have been covered under 3 PHCs; Bargaon, Kukuda and Rigni. Baseline survey has been completed in the target area. Ophthalmic Care 3657 patients were treated in various eye camps in BISWA 3203 patients were provided with medicines for their treatment 1106 patients were provided with spectacles (glasses) 362 eye patient were operated in the eye ward of district head quarters hospital BISWA 3130 cataract cases also operated. In a follow up, 94% were found to be successful operations. This activity was organized in collaboration with National Blind Control Programme and the Chief District Medical Officer. Condensed course school Central Social Welfare Board has supported BISWA to establish and run a school to impart education to school drop outs/ non-enrollees belonging to age group 10-16. The course offered there is condensed and the target is only girl children. The school has been established at Jahankarbahali village, which is one of the focus villages of BISWA. As such the village is situated in remote and difficult area, under-served in terms of health and education. Health care is also taken care of by imparting training and establishing CBD center in the main village which also covers the hamlets. Family Counseling Center The Central Social Welfare Board, through the State Social Welfare Advisory Board has been pleased to extend support to establish one Family Counseling Center (FCC) covering Sambalpur district. The Center was established on 1st March 2004. Within a short span of 1 month only, 4 cases were registered in the center, counseling provided and the subjected families are expected to overcome their differences to start all over again. As per the program component, two lady counselors have been appointed with adequate educational and professional backgrounds. Swadhar/Swadhar Help Line BISWA has been supported by the Department of Women and Child Development, Government of India to establish one SWADHAR home for destitute women. The Home is meant to provide shelter, food, clothing, medical and legal assistance, counseling services and economic rehabilitation to the inmates. The Home has capacity of housing 50 inmates. As on march 2008 , 107 inmates (women) are registered. In help line 70 cases are registered out of which 20 cases have been solved and 50 cases are forwarded. Plastic Recycling Unit Since long BISWA has been working for environmental protection and now it has started thinking for waste management, especially for the non-biodegradable waste (waste plastic product). It has established an environment friendly waste plastic recycling unit in the outer periphery of Sambalpur town. The waste plastic materials collected from Sambalpur and others nearby town are being molded and transported to the other part of the Country for giving different shape. The unit gives special attention to create mass awareness on the 4Rs (Reuse/ Recycle/ Refuse and Reduce) regarding the plastic use in Sambalpur and nearby areas. The target is to loitering-plastic free area. Health camps Conducting Health Camps in different areas in its area of operation constitutes a major activity to ensure quality in health standards of rural people. Under this program, BISWA has so far conducted 4200 camps in which almost 16, 80,000 persons have been checked up and have been provided with medicines at no cost basis. Special emphasis is always laid on population control, control of prevailing diseases in the specified area and common practices for healthful living in rural and urban slum habitat. Intervention in handicapped sector Disability is not a curse but it can be healed with proper care and involvement of community. BISWA and District Disability Rehabilitation Center (DDRC) jointly organized a “Identification and Follow-up Camp on Disability” in different blocks of Sambalpur Districts. Both community awareness and Parent Counseling BISWA programme were conducted in these camps. In total 304 persons with different disabilities have been identified and have been referred to the District Treatment and Rehabilitation Center, Sambalpur. Total Sanitation Campaign BISWA has been identified as a Key Resource Center of Orissa State Water and Sanitation Mission for eight districts: Sambalpur, Jharsuguda, Bargarh, Sonepur, Bhadrak, Dhenkanal,Nayagarh,Nuapada,Keonjhar,Bolangir, Mayurbhanj, Boudh in Orissa and Raipur,Birgaon,Ambikapur,Durg and Dhamtari of Chhatisgarh State. The broad programme components are: IEC Campaign Installation of Individual Household Latrines (IHL) Building up community level infrastructure for sanitation By the end of March 2008, BISWA has covered the aforesaid districts and has constructed 2475 nos. of IHLs in even number of Below Poverty Line families. As a Key Resource Center, BISWA is also bestowed with the responsibility of imparting training stakeholders at various levels e.g., Block level official, the PRI members, community leaders etc. Total Sanitation Campaign is also being implemented in 1 block: Nawagarh of Janjgir Champa district of Chhattisgarh. By the end of March 2008 , BISWA has covered 815 families out of which 645 families belong to BPL category. BISWA has undertaken training programmes targeting Anganwadi workers, Auxiliary Nurse Midwives, primary school teachers in the target area. 25 Village Water & Sanitation Committees have been promoted by BISWA which are legal entities having their own bank accounts. Infrastructure available at BISWA 1. Central Office is located in a 4-storied building having 24860 sqft of carpet area. 2. Training Hall of 6720 Sqft 3. Training aids: White Board, Liquid Crystal Display, Sound System, Conferencing arrangements 4. Computer systems attached to every desk 5. Telecommunication: Intercom, Telephones, Fax, E-Mail, Homepage 6. Two and Four wheelers 7. Ambulance 8. Office at all districts in operational area 9. Staff strength of 3506 10. Well equipped canteen Gender parity 6 out of 11 members Governing Body of BISWA are females More than 60% of total staff members are females On completion of 10 years of its operation, BISWA manifested its mission in the next 10 years to come i.e. what it wants to achieve by 2014. The 10 years of experience of growth, of development, of failures, of increasing interaction with community, with governance, with fellow development initiators formed the base of this practical thinking. Although the original mission of BISWA as mentioned above has not altered; it has attached a new dimension to it. Hunger free Western Orissa: Food security being the largest problem of all threatening the quality of human life in these parts need focused attention, Providing additional/ alternative livelihood opportunities to rural people of western Orissa shall top the priority list of BISWA in next decade. BISWA 100% Literate SHG members: In recognizing the fact that educational empowerment can be brought about by organized women more effectively than any other means, BISWA shall target its SHG members, speculated to cross 100000 marks by next 5 years; to exercise their control over the educational segment with a holistic approach. All of the family members of any picked SHG members shal l be literate. Conservation of Bio-diversity: It is a fact that it takes all kind of creatures to make the world. Diversity in forms of life are endangered by human brutality directly and indirectly. Just, compassionate and equitable social order cannot be brought about by being the sole survivor. Conservation of bio-diversity for reasons of making environment more human-friendly and accepting their share of all creatures on earth shall be one of the focus areas of BISWA in next 10 years. Scientific Water Management: Though this region is abundant with natural resources, under and mis- utilisation has led to non-availability of those to human benefit; even sustenance. Water tops the list. It is not bulk but the management practices followed makes the inhabitants stay thirsty even in the river banks. By next 10 years, BISWA shall focus towards modifying mass behavior with regard to use of water for optimum mobilization of this life force. The programmatic approach shall tend to ensure that adequate usable water is available for all applications. Addressing unemployment: The biggest national problem; unemployment; is proposed to be addressed by being able to provide employment opportunity to at least one member from each of the families covered under the micro finance program of BISWA. By the end of the decade, BISWA targets to cover at least 100000 households and thus creating even number of employment opportunities; in any mode, self or salaried. Meeting the target shall be a challenge which is the most welcome at BISWA. Empowering community to address their health needs: Heath for all has been a global cry exceeding 10 years in full volume. Joining the school that does its mite to pay a heed to the cry; BISWA in association with the community itself shall establish Community Based Dispensing system that shall gradually empower the community to identify their health needs, address them and control health issues threatening to endanger their own healthy survival. Achieving the above is not a one-man show and BISWA has always believed in team work. It will be a great task for BISWA to identify organizations nourishing similar dreams and to bring them together to work hand in hand. Again challenges are welcome at BISWA and there is a saying that a clear vision slips on still clearer road. BISWA shall utilize its available skill, experience, manpower and other resources to enhance capabilities of such NGOs and as a team all shall walk together realizing the nourished dreams. Requirement of Funds The present trend in the credit programme reflects a increase in the loan intake capacities over the years owing to technological advancement in agro-horticulture, developed skill; of artisans by various training etc. The sectoral scenario of loan intake by BISWA SHGs is as follows: Agriculture: 59% Petty business 14% Animal Husbandry 19% Others (consumption) 08% As per the assumptions in the strategic business development plan, the total number of SHGs during the period 2007-2008 shall be 28982 out of which 25050 SHGs shall credit linked @ Rs. 1,37,928/- per SHG. As envisaged in the proposed on-lending programme of BISWA, the loan disbursement shall be Rs. 350, 00, 00,000/- which shall be obtained by external loans from the FFIs.
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