BISWAprofile by zhangyun



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

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

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

                                      FOUR PILLARS OF 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.

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


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

        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.
    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. “

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

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      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

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

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.

                                                                                      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.

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.


   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


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

   Developing list of potential traders (Pre-training)
   Personal counseling to traders (Pre-training)

   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.

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.

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
       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
       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

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
 The Laxmipriya Micro Enterprise Pvt.LTD shall facilitate forward and backward linkages for micro-
 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.

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

                                          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
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

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.
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

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

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
      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.

       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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