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Shamim Ferdous, Jason McKey, Qazi Afroza Sultana, Rabiul Islam, Romela Murshed Bangladesh Prothibondhi Foundation PowerPoint PPT Presentation

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Micro Credit, Economic empowerment and Self Employment in Norshindi (Bangladesh) Partnership with Job Placement, Australia. Shamim Ferdous, Jason McKey, Qazi Afroza Sultana, Rabiul Islam, Romela Murshed Bangladesh Prothibondhi Foundation. Facts of Bangladesh.

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Shamim Ferdous, Jason McKey, Qazi Afroza Sultana, Rabiul Islam, Romela Murshed Bangladesh Prothibondhi Foundation

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Micro Credit,

Economic empowerment


Self Employment

in Norshindi (Bangladesh)

Partnership with Job Placement, Australia

Shamim Ferdous, Jason McKey, Qazi Afroza Sultana,Rabiul Islam, Romela Murshed

Bangladesh Prothibondhi Foundation

Facts of Bangladesh

Population : 150 million

Growth rate : 1.47% per year

Population density : 1165 peopleper sq. km.

Total Male :52.2%

Total Female :47.8% aged 5 and above

Per Capita Income :US $ 695

Rural Population : 87 %

Rural Poverty decline: 53% to 44%

Below poverty line : 40% (around)

Total Health Expenditures per capita: US $ 58

Source: South asia.oneworld.net Nov 10, 2006

Bangladesh land mass less than 2/3rds the size of Victoria

Women: >70% Lives in rural areas

92.05% are illiterate, poor, ill-fed and socially repressed

:50% work in rice cultivation

Children (below 18yrs):61.75 million (45 %)

Child Labour: 17.5% (7.4 million >5-17 yrs)

: 52.6% ( 5-14 yrs)

Children work in rural :77%

(BBS,ILO estimates 2002-2003)

Literacy Rate

National Literacy rate:70% (aged > 6Yrs)

Male literates:57.2%

Female literates :45.8%

(Bangladesh Population Census, 2004 )

Disability Scenario

Prevalence rate : 10% (14 million) (WHO Estimated)

of any disability

Some form of impairment : 14.04%(Action Aid Bangladesh, 1996)

Children 2-9yrs: 6.8% (1988-1990)

: 7.1 % (2001)

Childhood survilance study (1988-1990) done by BPF

% of Women with Disabilities : 49.6 (2000) BBS, 2006

Primary Education

  • Gross Enrolment Rate : 82.7% (6 to 10 yrs old)

Access to Children with Disabilities (CWD)in Education

School-going age of CWDs :11% (6 to 11yrs)

CWDs out of education :89%

CWD- enrollment : 4 %

Source: DPE and CSID, 2002

Employment and Unemployment status

Young people are becoming eligible for job :2.7 million/ Yr Getting Employed :only 0.7 million

People are unemployed :30 million

It would be:60 million by 2015 (ILO estimated)

Unemployment rate PWDs:51.8% (men)

:97.2% (women)

Work in agriculture, :64%

livestock and forestry

Business :14% Report : Daily News Paper

Rural Poor Family Earning

Total Family Income: <TK. 2000 per month

Only 10.54% Women earn: <500

Unemployment reasons of PWDs

Scarce Income opportunities

Lack of practical experience vocational skills

Access to micro-credit facilities



Exploitation & discrimination in Marketing

Employers Refusal


10% Govt. quota services, 2% got job, self employed 86%, received micro-credit support 12%

Disability survey, NFOWD, 2003

The overall goal of the project is, how to develop economic empowerment of children with and without disabilities and their families.

  • Objectives:

  • To empower children with and without disabilities, mothers and families and strengthening families economic condition and capacity building.

  • To proper investment of micro credit and rolling of the fund to improve quality of the family life.

  • To make children as a productive and independent member in the mainstream society.

Partnership and Scope of Work

Job Placement Ltd, in association with Corporate Compliance Partners Pvt. Ltd.( the donors) had a agreement with BPF for purchasing cows for CWDs families residing in Norshindhi and attending inclusive school and within CBR programme of BPF.

Initially CWDs families were enrolled and it is increased for marginalized families with special consideration. Gradually the money is rolling with in the hard core poor (marginalized) children. Till now BPF disbursed the money among 49 families.

The project focused on income generation for the poorest families and the cattle would belong to the children and their mothers. The extended family now benefited from the additional income.

However it is important all parties realized that the project contributed empowerment of children and their mothers - thus overcoming dependency and poverty.

Eligibility Criteria for Receiving Loan

Introducing micro credit and income generation programme to the children with disability and/or those living in extreme poverty and their mothers are responsible for the care and upkeep of the cattle and refund the initial loan with no interest.

Loan Disbursement: TK. 5,60,000

Loan amount per person:TK. 16,500 (approx)

Interest RateNil


Accounting System

The CBR supervisor maintain refund register. Full invested money has been refunded at the end of 3rd year.

Schedule of fund refund of a family and rolling

PeriodRefund rate Monthly TK. Refund

First 6 months00

Months 6 – 12TK. 400 TK. 2,400

2nd YearTK. 400 TK. 4,800

3rd YearTK. 400 TK. 4,800

Sale of 1st Cow TK. 4,500

At the end of 3rd year Total Refund would be TK. 16,500

Year and No of families Refund Yearly rateTotal amount refund

1st Yr, (34) TK. 2,400/per family TK 81,600

reinvested to 5 new families (Tk. 16,320/family)

2nd Yr.(34+5=39) TK. 4800+2400TK.1,75,200

reinvested to 10 new families (TK. 16,500/family) 3rd Yr (39+10=49) TK. 4800+2400TK. 2,11,200

Sale from 1st cow (34) TK. 4500X34TK. 1,53,000

Reinvesting the refunded Money

(Total refundTK. 13,600/month from 34 families and enrolled new families gradually )

1st yr the families were 34, in 2nd yr 5 new families were enrolled. Now 10 families are included in 3rd year which is a on going process.



1st Year 14.57%

2nd Year29.14%

3rd Tear29.14%

Sale of 1st cow27.32%

Total refund 100%

% of the Refund Rate (yearly)

Loan Disbursement TK. 5,60,000

“Impact of microfinance on living standards, empowerment and poverty alleviation of children with disabilities and their families”

Comparison of Monthly Income of Rubel’s Family ( 2005 and 2009)

Out come

The financial support has brought positive impact on the life styleof the poor children with and without disabilities, their mother and families. It has helped the families to come over the poverty line and to empower themselves.

Possible Worth TK. 6,30,300

Each family has 5 to 9 members. 238 family members of children with disabilities and hard core poor families are benefited from inclusive school and the project run by BPF with partnership of Job Placement in Norshindi district, Bangladesh.

Changes of attitude in the civil society after self employment


Economic independence improve quality of life of rural women and their families. Money earning skill enhances capabilities and improves women’s security, autonomy, self-confidence and status with in the household. Effective financial support creates self employment and generate family income and provide safety net to those vulnerable segment of poor children and children with disabilities.

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