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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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)
National Literacy rate:70% (aged > 6Yrs)
Female literates :45.8%
(Bangladesh Population Census, 2004 )
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
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)
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
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.
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)
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%
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)
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.