SEEDS (GTE) LTD
Sarvodaya Economic
Enterprises Development Services (Guarantee) Limited
Over organization has 3
sections:
-
Management Training (MTI)
-
-
Banking
Activities:
MTI:
-
Institutional Training
-
ESD:
-
Enterprises Promotion Activities
-
Technical Training
-
Marketing
-
Information Centre
Banking:
-
Savings
-
Credit
My Expectation (1-12 months)
-
To share my experience of the staff
-
To introduce ratio analysis (one financial
statement)
-
BRAC, Grameen, ASA with same
activities to be carried out with other organizations will be tested
-
Will present my study to management meeting (next
month)
We need:
-
Technical assistance
-
Consultancy Assistance (MIS)
-
Training Assistance
Md. Ibrahim Biswas
BRAC Cnetre, 75 Mohakhali, Dhaa 1212,
Tel.: +88 (02) 988-1265-2312; Fax.:
+88 (02) 8823542; E-mail: brac@brac.net
BRAC’s Credit Plus Development Approach:
BRAC not addressing only
financial needs though MF but also considering important issues like health,
education and social development that goes beyond the access to credit
opportunity thus BRAC always emphasize on developing a credit plus approach
towards economic development that is well reflected is its multi-dimensional development
activities.
Activities:
-
Credit, saving and debt benefit, 3 products of
credit program; and
-
other major
activities are: agriculture and socio-economic activities dealing with
horticulture, education, health and social development.
Action plan:
Discuss out Senior
Management Level as well as Field Level with the field staff within April 2003
which.
Assistance need:
-
I need technical assistance
-
Education at field visit MF related organization in
other countries (such as BRI in
Aishath Ikram
Ministry of Planning and National Development
Our organization does not directly deal with micro
finance; we provide assistanc ein
planning and implementing development projects and act as the mediator between
the proposing parties (of development projects) and the funding sources.
Assistance:
-
However, we do need trained personnel (in
Government and NGO) ion the field (Micro Finance); as well as technical
assistance as the field in being established and is quite new in the country
-
I believe much research is needed in this field as
the situation: the geographical & economic is quite different from most
S.E. Asian countries.
Time frame:
As soon
as negotiations are finalized.
Foruzan
Regional Office
I work in BRAC
Office in
Assistant Director
Dr. Akhtar Hameed Khan National Centre for Rural Development and Municipal
Administration
Activities:
The brief list of major activities being undertaken
are given below
(by our organization)
-
To make, analyze, comment on various policy drafts
and projects in the areas of environment, Local Government and Rural
Development as and when required by the Government
-
To conduct/organize various Seminars, Training
Courses, Workshops and Conferences on the issues of our portfolio
-
Ro undertake the research studies regarding the
issues of Environment, Local Government and Rural Development
-
Currently our organization (estab.
1983) has conducted more than 150 workshops, seminars and conferences, and
trained more than 3000 persons of various functionaries of Nation Buildings
Departments, NGOs and elected representatives. Also produced more than 50
research papers (published).
Assistance:
-
We require training infrastructure like more
computers, multi-media equipment and resource persons
-
We can develop a working liaison with NAM
Secretariat for mutual collaboration and cooperation in organizing various
activities of interest in both the countries. For this, Government of Pakistan
may initiate a formal MOU with NAM Secretariat.
Time frame:
Any
time this year.
Bhupendra Baksa Lamsal
IIDS
Introduction:
Institution for Integrated
Development Studies (IIDS) is an NGO registered under the social registration
act 1977 of
Planned Activities:
-
All the activities of SRDPP are launched through
saving and credit co-operatives societies. The saving and credit co-operatives
are not able to calculate the financial ratios and break even points so I will
be responsible to provide such skills of those co-operatives within three
months
-
SRDPP has thought to promote the micro enterprises
development activities in ultra poor societies but by the experiences learned
by BRAC it is not possible to make them entrepreneur. So I will be responsible
to implement the programmes in poor and the other types of programmes will be
launched in ultra poor societies.
-
Training to the field staffs will be organized very
soon.
My central office has to help me:
-
in financing for the trainings
-
my institution need this kind of trainings in
future also
Regional Coordinator
UDDIPAN
9/25, Sir Sayed Road,
Mohammad Pwr.,
Tel.: +880 (2) 811-5459; Fax.:
+880 (2) 9121538, E-mail: udpn@dhaka.agni.com
UDDIPAN – a
national level non-Government Development Organization stated its programme in
1984 aiming to bring out the upliftment of
socio-economic and cultural condition of rural and urban poor in
Activities:
-
To start the ratio analysis at branch level to
judge the performance of staff as well as area offices
-
Receiving the delinquency rate
-
Impact assessment: it should be done whether the
organization is achieving its objectives
-
Control mechanism: audit and re-monitoring: though
we have the section, we are indeed to regularly audit and monitor our
activities.
Assistance need:
-
Training for staffs
-
Computerization of Area offices
Md. Mounirw Islam
Buro, Tangail, Bapanpava –
Tel.: +921 54224; Fax.:
+921 54518, E-mail: bt@bdmail.net
An independent,
sustainable, cost-effective microfinance institution that provides diverse,
appropriate and market responsive quality financial and business development
services at competitive prices to very poor and vulnerable non-poor customers.
Programme:
-
Flexible Financial Services
-
Domestic Resources Mobilization
-
Institutionalized
-
Human Resource Development
-
Disaster Management Project
-
Operation Research
Operational Performance:
Operational
Area: BT 2501 villagers in 207 unions in 42 thanax of
17 district in
Branches:
It had 81 branches with 1015 staffs which
includes 205 females.
Customers:
The numbers of
primary customers showed at 135.570 which is 35% than
previous year.
Portfolio of saving services:
The accumulative savings TK 14.6033520
Loan outstanding is: 44.35,675001.
Profitability:
The cumulative profitability TK: 63.306
million.
Activity like to introduce:
-
Research Market for new product development and
linkage with market in case of Micro Entrepreneurship Development.
Time Frame:
Assistance:
-
Fund for Training
o
Book keeping accounting Costing and Pricing
o
Marketing Awareness
o
Competition Creation with Market to produce
innovation things
o
Revive existing product for diversification
-
Technical Assistance for Training and Fund for
Training to save rural poor people
Expected donors:
National, International and Regional
National:
BRAC
International:
Overseas donors lobbing, supporting and Alliance Buildings
Impact of the Intervention:
Which is very
helpful for family sustainability and reducing lending for MFI.
Financially well off and living in heritage of traditional rural products.
Aminullah Khair Andish
Organization profile: Attached
Activities:
The most attractive and lesson I
learnt and I would like to adopt in my organization would include the
followings:
-
Market Research for product development
-
Internal Control System
-
Financial Ratio Analysis
-
MIS
Actually we have
some systems, but the methodologies thought in this workshop were more
comprehensive, therefore, I would bring some improvements by adding some
methodologies in our already system.
Assistance:
I would be in need of more discussions
with our organization board members in this regard, to provide the necessary
materials or I may request fro more training on the above issues.
Time needed:
Actually, I would need at
least one month to work on summarizing of what I would like to do for the above
issues, and to discuss them with the board members of our organization to adopt
it accordingly, after approval of the issues by the board members. On May and
June 2003 I hope we would have an improved system
Muzaffar Madaminovich
Ministry of Economy
Uzbekistanskaya 445 100003
The
Micro-financing is very new on
Activities:
-
Working to creation of comprehensive and
transparent legal framework
-
Conducting seminars, trainings
-
Consulting to encourage micro-financing development
Assistance needed:
-
Consult in legal regulation
-
Experience sharing
-
Conducting training for MF in
-
Technical assistance
M. Latif
Malik
Regional Programme Officer
National Rural Support
Programme
Head Office:
Activities:
-
Promoting increasing trend of
-
Saving among communities
-
Micro credit development
-
System of depositing that saving
to NRSP *
* CPI with
communities
Time:
Plan:
-
Conduct a series of Training Programme in different
location of the country
-
Create Awareness about importance of saving
Assistance needed:
-
Designing of Training by BRAC
-
Course Contents by BRAC
-
Financial Assistance by
-
Material (element) to the training by BRAC
H.S. Srikantamurthy
MYRADA (
MYRADA, No. 2, Service Road, Domlur
Layout,
Tel.: +91 (080) 5353166; (08391) 355307
Profile:
MYRADA founded in the year 1968 by Lt. Davidson and
Mr. Brower. From 1968-1978 Resettlement of Tisatan Refugees in three places. 3.000 families of
15.000 Tisatans are settled. The activities achieved
are infrastructure, agriculture, Basic Amenities, Cooperatives Societies Diary
Development. 1978-2003, working with the Rural Poor of India
through Community Based Organization. MYRADA is a non-profit Making
Agency and not a MFI. It mostly depends on Internal and External donors for its
survival. The real MFIs of MYRADA are the community
based organizations like Self Help Affinity Group (SAGS). The organization
interested in group approached rather than the individual. SO far it has formed
9.000 and above Self Help Affinity Group and take up savings, credit and credit
plus programme through them. MYRADA never handles the people’s money. In turn
educates the people to do the credit and savings business on their own.
Activities:
No. |
Activities |
Time Required |
1 |
Ratio Financial Analysis
if Self Help Group
(in my project) |
By September 2003 (six months) |
2 |
Training to stay on MFI and Learning from this programme |
By June 2003 (three months) |
3 |
Internal Control |
By June 2003 (three months) |
4 |
Grameen … |
By December 2003 (9 months) |
Assistance needed:
No. 1; 2 Activity: Technical assistance with reard
to training and technical part of ration analysis. Because so far we are not
practicing the ratio analysis
No. 3 Activity: Frequent feedback from the concerned/community
Md. Abus Samad
ASA
23/3 Block-B, Khiljee
Road, Mohamad pur, Shamolly, Dhaka,
Tel.: +880 (2) 8110934-45
ASA has been
established in 1978 as an NGI. Later it specialized in Micro Finance and
emerged as Micro Finance institution. We covered 2.2. million
people in our country.
ASA’s micro
credit and savings programme plays a vital role in reducing poverty of this
distressed people.
Activities:
-
savings
-
credit
We
introduce death insurance in our organization. We are practitioners. But we are
not academician. So we required Finance Analysis assistance.
We need
some training assistance fro our organization, especially Financial Ratio
Analysis.
No.
|
Activities
|
Time |
1
|
Financial Analysis
|
3 months |
2 |
Delinquency Management |
6 months |
3 |
Death Insurance |
After one year |
4 |
Internal Control |
Immediately |
Assistance needed:
S. Layanwala
Banking Financial Activities Divisions
Samurdhi
Authority of Sri Lanka, 4th Floor, Sethsiri
paya, Battaramulla,
Activites:
Required
assistance for Financial and human on Programming (Technical)
Time frame:
-
Activity 1: within a year
-
Activity 2: within 5 years (completion period)
-
Activity 3: Immediately will be done. Within 3
months this will be implemented by ourselves.
Narayan Battarai
Agricultural Development Bank,
Kathmandu, Nepal (Est. 1967)
Tel.: +977 (1) 425-359; Fax.:
426-2929; E-mail: agrbnk@infoclub.com.np
ADB/N have launched the
microfinance program from 1975 as a special Proram.
Small Farmer Development Programme (SFDP). It has been started as a pilot
project, one in hill area of the country and another one in Terai
(…) in Nuwarkot and Dhamusha.
Nowadays the programme have been covered by 75 Districts at least one in a
district. In 644 VDC (Village Development Committee) with held 24461 Groups
with 165.679 members.
Activities:
The programme major activities are:
-
Financial activities
-
Social activities
-
Community activities
-
Training activities
In financial activities: the programme launch:
-
Loan
-
Saving
-
Insurance Facilities for the animal husbandry
The
donors and outsider do not help you for ever so our organization started
to Institutional Development Program (IDP) from 1994 with the Technical and
Financial Assistance from GTZ.
Nowadays
we have already handover the 101 small farmers
co-operatives to the member of organizations. After IDP the involvement and
activities of organization is increased.
Action Plan:
No. |
Activities |
Time Frame |
Assistance
Required |
1 |
Experience sharing with colleagues |
Approval |
|
2 |
Producing new product which will be popular in
our atmosphere |
May-July |
To advice the new product which is implement-able
to scattered and hilly area |
3 |
Training on new product |
November-December |
Provide Training to other actors in the
organization |
4 |
The hand over of SFDP to SFCI is has been
continued and then my institution will support them by whole by lending and
training component |
|
|
5 |
TOT will be held for training to hand over new
IDP staffs and Committee |
February 2004 |
Assistance to Development Training materials and
Resource Persons |
6 |
MIS System Development |
April 2004 |
Support |
Saleha Sadat
Poli – Sulehta House No. 1574, Street-07 District-06,
Activities:
-
Micro Financing
-
SEP Loan
At first day
something that I new about micro finance. Financial
Services for the poor and about information of Grameen
Bank. Marketing and interest about customer loyalty.
And I learn something when we went to the field. And I saw some different in
the field like members photo on the passbook and computerized sheets.
When I go to
Md. Harun or-Rashid
Grameen Bank
Mirpur-2,
Activities:
Grameen Bank is providing credit to the poor people of the
rural areas in
After
returning from this workshop I like to expand this activity. Apart from this, I
like to work also with the people through our organization. I like to make
strong attention to make financial analysis in all stages.
Assistance from
-
Technical Assistance
-
Training of all employees who will work for us.
-
Marketing their products
-
A small amount of fund for workshop to replicate
this program
Time frame:
Tentative time to make a
good position – 3 years.
Muna
Institute for Integrated Developemnt Studies
Purano Baneswor,
Organizational Profile:
IIDS is in Baneswor in
-
General Research
-
Action Research
Under Action Research we
are working on group Approach and Micro Credit, program are adopted fro
economic upliftment of the poor people. So, besides
we are complementing other Social development program such as community developemtn, health, education etc.
Action Research Program is
started from 1984. in 16 District and 63 villages. We
want to extend our program with establishment of a Cooperative Organization in
the village.
Activities:
When I go back to the organization I will share all
knowledge gained during the training period and field visit.
No. |
Activities |
Time |
Assistance |
1 |
Reporting about training |
Within first week |
|
2 |
I want to follow children
education program in our program area |
One year to back |
|
3 |
I want to organize MFI
Training the Cooperatives established in the rural areas |
One year to back |
Technical/financial or
collaboration with |
Md. Zakir Hossain
Deputy Director
Thenghamara Mohila Sabuj Sangha
(TMSS)
This is a gender
sensitive, values driven, highly client oriented, pro-active
non-profit national level non-government organization.
Goal of organization:
Empowerment of women.
Action of plan:
No. |
Activities |
Time/Duration |
Remarks |
1 |
To arrange a workshop
‘Internal Control System’ |
May 2003 |
High level Staffs |
2 |
Delinquency Management
and Financial Ratio Analysis Training |
April-May 2003 |
Branch Manager to area
Staffs |
3 |
Micro Finance Business
and Planning |
1st week of
June 2003 |
High level Staffs |
Support needed:
Only for Technical
Assistance from CSSTC/BRAC-Bangladesh.
Letho
Organization profile:
Bhutan Development Finance
Corporation (BDFC) is an autonomous financial institution established in 1988
by Royal Government of Bhutan. Its primary role is to provide financial and
advisory assistance to the entrepreneurs, especially for the rural areas for
undertaking agriculture and livestock activities. It has branch offices in all
20 districts. BDFC has formulated a loan and savings Product-Group Guarantee
Lending and Savings Scheme (GGLS) to cater to the financial needs of rural
poor, who have to access to formal financial assistance from other financial
institutions.
BDFC is located in
Action plan:
No. |
Activities |
Time
frame |
Assistance
required from |
1 |
Identification and
segregation of targets clients |
April-May 2003 |
|
2 |
Developments of savings
and credit products for different target clients |
June-August 2003 |
Training on ‘Product
Developments’ (3 days) |
3 |
Development of Business Plan
(2003-2007) |
April-May 2003 |
Financial Assistance, Training (3 days) |
4 |
Identify and finalize the
key Performance Indicators (KPI) |
April 2003 |
|
5 |
Development of Management
Information System and Acquiring appropriate software (upgrade the present
banking software, which is not meeting the needs of the organization) |
April-June 2003 |
Financial and Technical
Assistance |
Kapila Nanda Mondal
Vivekananda Sevakendra-o-Sishu Uddyan
Ullon, P.O. Ramlochanpur, 24 Pgs(s), W.B. India PIN 743336
Tel.: +91 (3174)
277451/986; Fax.: 277385
Activities:
It was established in 1983.
We are working without any Government or Funding Agency. At present our clients
are 18,000.
Cumulative Deposit :
US$ 23 LACS
Cumulative Disbursement : US$ 2,200,000
Saving Balance :
US$ 65 LACS
Outstanding Balance :
US$ 5,5, LACS
Programme:
Savings and Credit Programme through Individual
Method
We are also
doing social work from our own fund. Yearly cost 7-8 Lacs,
40% of net profit.
Working area:
South 24Pgs District
Assistance required:
-
We need a person, who can review our existing MIS,
give recommendation and help implement the same => at first
-
Add us to your mailing list and inform us about
your activities, training, publication, etc.
-
Technical assistance by various
Area expansion:
We need Soft Loan or Small Fund for Social and
Development work.
Action plan:
Delinquency and Financial Ratio, from June 2003
How to do:
Basics of Micro Finance Business Planning
Mr. Rachadi
Iskandar, Director of Administration and Finance of
NAM CSSTC, made a closing remark following the presentations of the trainees’
follow-up plan. He noted the following points:
The Board of Directors of NAM
CSSTC is convinced that the training would not only enrich the participants
with knowledge, but also it could contribute to the enhancement of micro
finance development in this region, so that at the end of the line the poor and
potential people could generate uplift their income and their economy status
and gradually poverty could be reduced.
The Board of Directors of NAM
CSSTC once again would like to express appreciation to the trainees and BRAC
who has shown excellence performance and arrangements that make this training a
success. As I mentioned earlier in the occasion of the opening of this training
I invite suggestions from the participants for the conduct of this training and
what steps should be taken further in order that micro finance could position
itself as a vehicle to eradicate poverty. NAM CSSTC has plan that in the future
we would monitor the result of the training that has been conducted so far. For
that a questioner would be sent to each of you to set a better picture as to
whether these trainings has multiplier effect to the growth of micro finance in
the respective country.