BEES Annual Report 2005-2006

We Mourn
We, the BEES family, are deeply sorrow and shocked at the heartbreaking
demise by road accident of our two past energetic, sincere and beloved
members- Md. Fazlul Bari and Md. Mahfuzar Rahman.
Md. Fazlul Bari son of Mvi Karim Baksha Akhand of Bogra district joined
with BEES on 3 April 1978 as a Crop Promoter. By means of efficiency he
was promoted and availed the post of Senior Program Assignment
Manager (Zonal Manager) since his last time. He was engaged to
implement different projects of BEES with honesty, sincerity, and
efficiency for about 28 years. He was 49 years old.
Late Md. Fazlul Bari
Md. Mahfuzar Rahman son of Md. Azimuddin Ahmed of Bogra district

joined with BEES on 23 September 1981 as an Irrigation Field Assistant.
By means of efficiency he was promoted and availed the post of Upazila
Manager since his last time. He was engaged to implement different
projects of BEES with honesty, sincerity, and efficiency for almost 25
years. He was 44 years old.
Md. Fazlul Bari and Md. Mahfuzar Rahman were died by heartrending
road accident at the place Noawapara of Bhanga thana under Faridpur
district on 23 March 2006 during returning from field visit by same
motorbike. At the last period of service they were engaged to implement
National Nutrition Program under Integrated Nutrition Project in Faridpur
region. They have left behind family members, colleagues, friends,
relatives and many well-wishers.
BEES will remember their contribution to the organization everlasting.
With deep heart we mourn this tragic death and whole-heartedly pray to
Almighty Allah for the salvation and eternal peace of their departed souls
and express our heartfelt condolences to their bereaved families. May the
Almighty give their bereaved families' encourage and fortitude to bear
these losses.
Late Md. Mahfuzar Rahaman
Note of the
Executive Director
Counting on collective actions, BEES has been mounting campaign for alleviating any
kind of poverty. Over three-decade of long experience, we learnt that development can
bear no fruit without effective resource mobilization. Capitalizing on this key point, BEES
is going ahead to motivate, organize and empower the disadvantaged people through
well-coordinated local resource mobilization. It has a great inclination to support and
implement demand-driven programs to bring about the positive changes in the lives of
underprivileged, neglected, illiterate and unskilled poor people, especially the destitute
women in the society by empowering to attain self-reliance.
BEES dream is committed to engraving development. So the prime concern of BEES is
to empower women resources with a view to doubling the development of the nation.
From the salad days, BEES has been centering upon the participatory approach for
stimulating the community peoples inner beings that they will be able to identify and
analyze their problems and needs. Then they will be well-equipped through life skill
development to innovate sustainable solution for their own problems. Bridging
beneficiaries aspiration and action, BEES is sowing seeds of prosperity among them to
harvest golden tomorrow certainly.
Through a development lens, it is very much necessary to address the cyclical
challenges copping with the demand of the time. In view of that, BEES is reviewing its
plans and progress consecutively considering all the existing challenges for previewing
achievements as a whole. Thus BEES has the proper and familiar way of breaking down
barriers for maintaining high watermark of success in implementing activities all along.
Beginning with an agricultural project for providing support to marginal farmers only,
BEES is now-a-days a growing and thriving institution of collective efforts to orchestrate
different programs and projects comprehensively. To address the need of the
disadvantaged community people both in urban and rural areas, BEES inaugurated more
integrated projects and programs in recent years. Simultaneously its intervention areas
have been expanded to 2903 villages of 102 upazilas in 29 districts to reach the
unreached.
Different undesired problems associated with staff dropout and some fund flow
constraints have hampered the implementation of the programs in this year.
Nonetheless, as per the annual target, the achievement was more than satisfactory.
Setting the pace of prosperity for beneficiaries to make them win the race of self
reliance, we successfully implemented and provided the planned services to over 20 lac
beneficiaries and helped them improve their living standard by providing necessary
knowledge, effective training and much needed credit.
BEES believes that poverty alleviation is the exclusive result of integrated empowerment
through collective actions. So making headway in micro-finance program implementation
and micro-enterprise development initiatives, BEES has been established as the gateway
of self-reliance for the deprived people and it is a continuous process to help accelerated
employment and income generation.
During the reporting period, health and nutrition programs committed to sound health for
sound nation covered an excellent achievement addressing the health and nutritional
status especially of women and children. The field-based performance carried out and
lessons internalized during the session have accomplished the ground work for the next
few years of successful operations and further extension of activities.
With a vision to contain the vulnerability related to ignorance, illiteracy, environmental
BEES Report 05 -06 7
pollution, risky behavior, gender-based violence & discrimination, HIV/AIDS, STD and unemployment, BEES is upholding its mission perfectly
through implementing diversified programs like Education, Agriculture & Social Forestry, Water & Sanitation, Reproductive Health Literacy,
Women Empowerment, Gender Awareness, HIV/AIDS Prevention, Poultry & Livestock, Life-Skill Development, Interpersonal
Communication, Advocacy, Networking and so on. Our collaboration with government initiatives like National Nutrition Program (NNP) and
Social Investment Program Project (SIPP) has yielded positive result both to BEES and its beneficiaries on a great scale. Thus BEES would
like to raise a clarion call to undermine the threats to sustainable development arming with the worthy assistance of all respective
stakeholders as a whole.
In the course of reaching up to the desired satisfaction in implementing programs, we are very much thankful for the many blessings
showered on us by the Almighty. Concurrently we are looking forward in deep faith His all-powerful help for our continuing and enhancing
devoted efforts for the well being of all the poor. The dedication and determination of all members of BEES-family are the source of the
sprit to continue the achievement of the goals and objectives set through the demand-driven approach. Our development partners and
other stakeholders carried on to provide financial, ethical and timely backing and assistance to our core operation which translated all our
endeavors into success. I am essentially grateful to the Policy Formulating Body of BEES who contributed with passion to forwarding our
journey towards the sustainable future. Furthermore, I would like to give my thanks in earnest to all the donors, contributors and
associated members who have been with us at all times.
At length, I hope this effort to publish the report will be of interest to the esteemed readers to be aware of the programs, target oriented
achievements and philosophy of BEES. Side by side, this report will be somewhat a source of information to the partners and stakeholders
of BEES program who are frequently supporting its effort.
Saiful Islam Robin
8 BEES Report 05 -06
Executive
Summary
Emerging in 1975 as a project of Christian Reformed World Relief Committee
(CRWRC), nowadays BEES is a well-reputed and thriving national NGO committed to
self-sustained development. It has been undertaking programs and projects for
socio-economic upliftment of the greater majority of the rural and urban poor people
sowing the seeds of prosperity among them all along. Its vision is to establish a just
society in which men and women can work together to form an institution to attain
a higher degree of self-reliance in managing their own affairs as well as to achieve a
higher and sustainable standard of living. The mission is to bring about changes in
the lives of the poor, illiterate, neglected, unskilled and destitute people, especially
women of the society, through their empowerment, self-reliance and improvement
of life style by its endeavors for sustainable development.
Any kind of destitute, displaced and deprived people are by and large the target
group of BEES. Copping with the time as well as in response to the existing
problem, needs and demand, BEES has to make changes in the criteria of selecting
target group. The objectives and goals set for initiating new programs and projects
to cater to the need of the beneficiaries covering wide range of population under its
development fold in order to achieve the Millennium Development Goals often make
BEES bring about changes in the criteria of target group.
Being well-equipped with the vision to translate the vicious circle of poverty into
virtuous circle of prosperity, BEES development initiatives spread to 2,903 villages of
102 upazilas in 29 districts of Bangladesh. Now it is intending to extend its
interventions to new areas for ameliorating the sufferings of neglected people. In
order to address the development challenges, BEES has been implementing a wide
range of diversified programs with special emphasis to Micro-finance, Agriculture
and Social Forestry, Health and Nutrition, HIV/AIDS Prevention and Education. A
number of support as well as special programs undertaksen are contributing to
achieving the objectives of the main programs.
BEES believes that provision of savings, favorable access to credit and insurance
facilities enable the poor to invest money in productive activities. Thus they can
manage their risks better, build their assets gradually, develop their own microenterprises, enhance their income earning capacity and ultimately enjoy an
improved quality of life. Thinking over this significant point, the micro-finance
program of BEES helped to promote economic growth and development by creating
a self-sustaining credit service among the poor and hardcore poor over the reporting
period. BEES provided three types of products and services to its group members
under the Microfinance Program:
i) Credit, ii) Savings, iii) Credit Plus Services through Seba Package
i. Credit
BEES provided credit to its group members to initiate different income generating
activities. Credit operations were carried out through a Revolving Loan Fund (RLF) in
a systematic process. It provided credit to its beneficiaries through such subprograms under Microfinance Program as Rural Micro Credit (RMC), Microfinance
and Technical Support, Ultra Poor, Financial Services for the Poorest (FSP),
Microfinance for Marginal and Small Farmers, Urban Micro-Credit (UMC), MicroEnterprise.
ii. Savings
Savings opportunities with BEES provided members with fund for consumption, children's education, improved nutritional status and other
investment. Income from savings generated greater capacity for self-investment, and enhanced the ability to face external shocks by the
group members. It also provided security for old age and served as a contingency fund during natural disasters when income level
fluctuated.
iii. Seba Package
With a view to ensuring sustainable future through integrated empowerment, BEES incorporated Seba Package in its credit activities to
make the microfinance program more rich, creative and effective. BEES provides Credit Plus Services entitled Seba Package to the target
groups so that they can move to a higher degree of self-reliance with a sustainable growth. BEES believes that parallel to financial support,
people need to widen their periphery of knowledge, skill and fulfill social requirements in a pragmatic manner. Therefore, BEES arranged
Seba Package to link credit facility with the following essential services to address these issues:
Insurance
General and Reproductive Health Services
Agricultural Support Services
Funeral Cost
Pre-school
Incentive for Pregnant Mothers (having maximum two children)
Training.
During the reporting period, BEES maintained insurance policy to ensure safe scheme for the borrowers. The insurance policy covered the
risk of the death of any borrower/head of the family-member. On receiving death information from the loanee, Tk.1000/= was provided
(grant) covering the cost of funeral to the member of the family. BEES ensured general and reproductive health services like antenatal
care, post-natal care, safe delivery, family planning counseling, referral services for STD/RTI and HIV/AIDS, free diagnosis, prescription,
counseling and medicine supply to the poorest and referral services. During the reporting period, out of total registered cases 4.00%,
6.33%, 10.33%, 6.00%, 2.67% for ARI, diarrhea, malnutrition, worm infestation, skin diseases respectively and 37.33% were treated as
other cases under General and Reproductive Health Services. Among all the cases 2.67% and 1.33% received ANC and PNC respectively
and 0.67% of the cases were immunized against TT. For contraceptive methods users 13.67% for pill, 3.33% for condom, 6.00% for
indictable, 5.00% for IUD, and 0.67% for ligation were recorded. During the reporting period, 45 paramedics were working under the
supervision of well trained Medical Officers. Health Service Activities (HSA) was implemented in 14 districts where 96,377 members
received the services through Sheba Package.
Under the Seba Package, the agricultural support services ensured distribution of seed, seedlings and saplings, fertilizers, fencing,
supervision and follow-up, etc. The target beneficiaries received these and other related services through group meetings by BEES making
them human capital in production. More than 300 pre-schools, Sisimpur (Sesame Street) style Schools, were established in Micro-credit
intervention areas for grooming children to make them join primary school. BEES provided need based training to target beneficiaries on
such common topics as modern agricultural technology transfer, seed production and storing technology, small poultry firming and cattle
rearing & fattening, hatchery maintenance, paddy-fish production technology, agro-forest nursery management, PHC, maternal & child
health and family planning, adolescents' health, food & nutrition, group formation and leadership development, group dynamism and so on.
During the reporting period, Rural Micro Credit (RMC) provided loan through 82 unit offices in 29 districts. As on June 2006, 52,881
beneficiaries consisting of 3114 groups received loan of Tk. 1219.76 million from this program. The recovery rate was 99%. Recently, PKSF
has provided fund to BEES for strengthening Urban Micro-Credit (UMC) program. Over the reporting period, BEES extended micro-credit
facilities to 1173 urban beneficiaries in 2 units under this program, and expected them to unleash from the intolerable and dreadful poverty.
In true sense, BEES started to expand the Micro Enterprise activities from July 1997. Primarily in the early phase of its evolution, the
program was initiated with support of one million Taka of the Basic Bank in a small pocket of Bogra district in 1984. The result was very
positive. Therefore, from July 1997, it was promoted in other potential BEES' micro credit intervention areas to support small entrepreneurs
for micro-enterprise development program. Up to June 2006, the cumulative disbursed loan was Tk. 357.23 million to 4,405 beneficiaries
organized under 616 groups.
In April 2005, BEES started Ultra Poor (UP) project in Rajshahi, Natore and Gaibandha districts. Through this project, both financial and
technical supports to enhance the income as well as improve the livelihood status of the beneficiaries were ensured. BEES formed 824
groups consisting of 24,372 target beneficiaries. It has provided human development training to 5,000 beneficiaries, skill training to 2,700
beneficiaries, and disbursed Tk. 94.20 million as loan among 19,662 beneficiaries during the period of July 2005 to June 2006. Socioeconomic Rehabilitation Loan Program (SRLP) was launched in February 2002 at Chuadanga, Naogaon and Meherpur districts. Through this
project a total of Tk. 21.46 million were distributed among 3651 beneficiaries to construct or repair their houses and manage other family
needs. Targeting the hardcore poor especially vulnerable to periodic financial and social shocks, endemic insecurity, physical violence,
unemployment and so on, BEES initiated its Financial Services for the Poorest (FSP) Project in Madhobpur upazila under Hobiganj district in
July 2002. During the reporting period BEES promoted 4,098 beneficiaries in 190 groups, provided training on human development to
3,749 beneficiaries, skill development training to 645 beneficiaries, and organized 3 workshops for them. Side by side, this organization
provided total loan of Tk. 27.32 million to 3,313 beneficiaries. With a view to increasing income and improving the livelihood status of
marginal and small farmers, Micro Finance and Technical Support (MFTS) program was started in January, 2004. The farmers of B.Baria
Sadar of B.Baria district and Madhobpur upazila of Hobigonj district were the target beneficiaries of MFTS program. Poultry and livestock
rearing, parent stock rearing, cow fattening, food trading, mini hatchery, and kitchen gardening were the major IGAs of this program. Total
8,744 beneficiaries received loan of Tk. 199.61 million for operating specific IGAs. All of these programs and projects were funded and
supported by PKSF.
In June 2005, PKSF launched the Microfinance for Marginal and Small Farmers (MFMSF) project with the financial support of International
Fund for Agricultural Development (IFAD) to improve the livelihoods of 210,000 poor, small and marginal farmer households. In the
reporting year, BEES implemented the activities of MFMSF project in 29 villages of 15 unions under two upazillas of Sherpur district. More
than Tk. 58 lakh loan was distributed among 1200 members.
In this reporting period, different inevitable problems associated with shortage of funding, staff's and beneficiary member's drop out, strike,
blockade and political unrest and so on hampered the implementation of micro-finance program. In addition to PKSF, linkages with other
government and national banks were established to mitigate the fund crisis. BEES reviewed the salary structure, arranged staff training to
reduce the rate of staff drop out rate, and arranged training for beneficiaries for utilizing their money in proper IGAs. More than 46 BEES staff
and 1,250 beneficiary members received training on several agricultural activities, like cow fattening, cattle farming, fish culture, chick, key and
model rearing, mini hatchery, poultry management, egg and feed selling. Beneficiaries also got training on several social issues including
woman empowerment, early marriage, dowry, hygiene, etc.
Over 90% of Bangladeshi population's primary occupation is agriculture. As the part of leading the way to sustainable development,
therefore, BEES introduced the Agriculture and Social Forestry Program in 1975 to keep poverty in bay and to ensure healthy environment.
Winter and summer vegetable seeds were distributed among 61,194 and 65,456 beneficiaries respectively under this program in this
reporting period. BEES made the beneficiaries acquainted with some improved technologies on vegetable seed production, integrated
nursery, spacing of seed sowing, tree plantation in agricultural crops, homestead gardening, mini orchard establishment, compost
preparation using kitchen waste and dung, rice-fish production, IPM in vegetable and crops, and vegetative propagation of fruit trees. Side
by side, it disbursed a loan amounted to Tk. 53,025,000 among 7,264 farmers for homestead gardening, nursery establishment, and
orchard establishment. BEES distributed 92,413 saplings of different types of fruit trees, 95,394 timber and 24,280 medicinal trees among
its beneficiaries. Total 10,199 beneficiaries were covered under Poultry and livestock program.
BEES participated in 15 agricultural fairs in 8 districts arranging demonstration on aman, wheat, oil seed, pulses and winter vegetable
cultivation using modern technologies, heap compost preparation, green manure, farm yard manure, kitchen gardening, existing fruit trees
management, orchard preparation to increase the farm production.
IFAD through DAE provided the financial support for operating Agricultural Improvement Project (SAIP) in 358 villages of 10 upazillas under
3 districts. BEES distributed loan of Tk. 733.29 lakh and collected Tk. 12.96 lakh savings from members under this program.
BEES distributed loan of Tk. 63,804,000 among 8708 beneficiaries for implementing the poultry and livestock activities. During the
reporting period 678 poultry and 144 cattle farms were established, where 135,680 poultry and 5,720 cattle were found. Total 314,398
poultry and 9668 cattle were vaccinated.
It is known to all that health investments often yield the highest rate of return in development field. BEES extended its Community Based
Health Program (CBHP) from its own Fund with the technical assistance from GOB to provide community based health services to the
intervention area community. A total of 24,170 households were brought under this program. BEES ensured its support towards 104,939
beneficiaries on ante-natal care (ANC), safe/clean delivery, post-natal care (PNC) and family planning. In case of family planning, the
contraceptive acceptance rate (CAR) was achieved 74.08% against the target of 73.06%. Total 11,619 children of 1 to under-5 years old
received Vitamin A capsule as a preventive measure of Vit-A deficiency disorder. CBHP provided the services towards 8 groups in
community level and 12 groups in school level of 10 to 19 years adolescents through a pilot initiative of Network for Ensuring Adolescent
Reproductive Right and Services (NEARS) as supported by UNFPA.
Making headway in nutrition awareness comprehensively, BEES has been implementing National Nutrition Program (NNP) activities in 82
unions of 6 upazillas through 1,207 Community Nutrition Centers (CNC). In the course of implementing this program, targeted beneficiaries
received core ABCN (Area Based Community Nutrition) services. Pregnant women were provided with the supports of regular check up,
food supplementation, Iron Foliate tablets and other facilities as ante-natal. This program ensured the services for the newborn babies to
take colostrums, vitamin A supplementation, and other care. Concurrently, counseling on basic nutritional facts, reproductive health, life
skills, delayed marriage, anti-dowry motivation and so on were brought about for adolescent girls. Iron Foliate supplementation was served
for adolescent girls and newly-wed women as well. In case of conducting, supervising and monitoring the program, the NNP authority
always teamed up with BEES on a regular basis providing valuable and friendly guidance and advice for tuning up the over all intervention.
Regular coordination and monitoring meeting at NNP office chaired by the Executive Director helped to share ideas, experiences and
progress which contributed immensely to the project success. The consequences made the implementation smooth, dynamic and fruitful.
It points to the significant and noteworthy achievement in establishing the collaboration with government initiatives like NNP for the well
being of the disadvantaged people especially vulnerable to malnutrition and ignorance.
With a vision to mount the campaign to contain the spread of HIV/AIDS, BEES carried out a project on HIV/AIDS from Feb 2005 to June
2006 entitled 'Strengthen Capacity and Knowledge of CBOs on HIV/AIDS' funded by UNICEF under the assistance of HIV/AIDS Intervention
Fund (HAIF) of World Bank. The objective of the project was to strengthen capacity and knowledge of 10 CBOs on HIV/AIDS. BEES
organized 100 group meetings, arranged several video shows, two community meetings to strengthen knowledge on HIV/AIDS of the
community people. BEES staged street drama and folk songs on HIV/AIDS prevention and awareness at five different places. In each
show, around 1,000 audiences mainly school children, adolescents, youth, couples, and distinguished community people were present.
Being committed to making benighted enlightened, BEES is orchestrating different activities under Education Program during this reporting
period. It operated 8 pre-primary schools with 122 boys and 118 girls under the guidance of 8 female teachers. Drop out rate was only
4.92% for boys and 5.93% for girls. All teachers received a 4-day long training on Learning Process, Role of Teacher, and Role of SMC.
Under Reaching Out of School Children (ROSC) program, 17 schools with 17 teachers were running having 577 students, where 40.55%
was boys and 59.45% was girls. BEES conducted 30 batches with 900 students under the Post Literacy and Continuing Education for
Human Development (PLCEHD) Program under the guidance of 15 male and 15 female teachers. Teachers of PLCEHD received a 9-day
long basic training on Post Literacy and Family Life Education. During the reporting period, total 300 schools with 9,000 students (50.46%
boys, 49.54% girls) were running under Sisimpur Outreach Pre-primary education program based on the basic theme of Sisimpur (Sesame
Street) TV Program where 238 teachers (14.29% male, 85.71% female) were involved. Two day long training on Role of Facilitator and
How to Use Materials was arranged for all teachers, supervisors and students under this program.
Development carries no fruit without organizing social mobilization properly. Keeping this key point in mind, since January 2005, BEES has
been implementing the Social Assistance Program (SAP) phase-II successfully with the financial assistance from IDA/World Bank and GoB
through the collaboration with Social Development Foundation (SDF). Through social mobilization BEES formed 189 citizen watch groups,
organized 145 parents teachers association, conducted advocacy and problem sharing sessions with the adolescent girls and boys,
prepared cultural scripts and organized 751 village theatres, jatra and jarigan on agricultural, nutritional and other social issues. BEES
conducted 188 health related advocacy sessions and organized 1,646 immunization campaigns. It also conducted 287 sessions on
different SAP issues with the local primary and high schools, organized training on human rights and laws for 1,062 groups, developed
module and conducted training on alternative dispute resolution (ADR). BEES identified 155 victims of different violence in the project area
and provided legal aid services. Besides, 1,811 infants were registered, and 763 deaths, 1,411 marriages with dowry and 50 marriages
without dowry were recorded.
Every digit of communication engraves development. So, IDC Cell always tried to support the existing core programs and projects setting
them in the pace of prosperity to win the race of success through effective BCC, IPC, advocacy and networking. IDC cell published Annual
Report 2004-2005, Desk Calendar 2006 and Wall Calendar 2006. It prepared an advocacy manual containing 14 issues on Social
Assistance Program (SAP-II). More than 13 posters on other different issues, such as child labor, child education, safe sanitation,
homestead gardening, awareness on family planning and exclusive care for pregnant mother, etc.; 2 brochures entitled Prevention of Early
Marriage and Prevention of Dowry, 2 flyers on Nutrition Awareness and Adolescent Reproductive Health, 9 stickers on Remedies of Nightblindness, Utilization of Safe Water, Supplementary Food for Pregnant Mother, Health Awareness through Washing Hands, ANC through
Vaccination and General Health Care, Exclusive Breast Feedings, Arsenic Awareness and Safe Water and Sanitation. 1000 copies of Note
Book etc. were developed and published by IDC cell in this reporting year. This cell prepared the scripts and organized more than 700
shows of popular street theatre on Social Assistance Program (SAP-II) and HIV/AIDS Prevention Program to make the community people
aware of health and sanitation, nutrition, child education, women rights, good governance, gender discrimination, HIV/AIDS prevention etc.
In order to review programs and implementations to preview the prosperity as a whole, the Research, Evaluation & Monitoring (REM) cell
prepared Annual Progress Report for 2004-2005, developed questionnaires and formats, and designed data collection procedure to
conduct impact assessment study on Financial Services for the Poorest (FSP) and Pre-primary education program of BEES. This cell shared
its findings with different stakeholders including internal management, donors, field staffs and policy makers as they can contribute more
towards achieving the goal. Research findings were disseminated through different documents, like annual report, inception report, impact
assessment report, case studies, different survey reports, evaluation report, etc.
Human resource development is an important tool to address the social issues properly and reach expected result. Copping with need
paying heed to human resource development, BEES continuously provides training to its staff so that they are well-groomed to perform
well. During the reporting year, 2,365 staff were working in several projects/programs of BEES. More than 1,380 staff received trainings on
several issues. Maintaining a close working relationship with donors, BEES received fund from World Bank & GOB through National
Nutrition Program (NNP) & Social Development Foundation (SDF), UNICEF, PKSF, IFAD, WUSC-CIDA, BPHC-DFID, RAKUB and some national
level Banks. BEES got the membership of ADAB, CAMPE, VHSS, CDF, NGO-forum, CUP and CEN. This organization has been recognized
through PVDO/NGO directories published by ADAB, CIRDAP, DAM, PACT/PRIP, PKSF and VHSS respectively. During the reporting period
BEES had 10 partner organizations for its education program and 2 for Social Assistance Project phase II. Thus arming with collective
action and exclusive efforts through inclusive approach, BEES attained a high watermark of success in materializing its annual targets and
development goal in the said reporting period. It has been possible due to having the close and profound support and assistance from all
kinds of donors, stakeholders, well-wishers, staff of all levels as well as spontaneous participation of the target groups, i.e. beneficiaries.
1.0 Organization Profile

Civil societies include many diverse organizations, and cataloguing them is not simple; even focusing on development
NGOs yields a range of types. Analysis classifies NGOs by functional orientation-welfare, development organizing,
advocacy, development education, networking, or research-and by level of operation-community, national, regional, or
international. NGOs may combine functions and levels of operation. Several support functions have emerged as
important to NGO communities in many countries. Support organizations often serve more than one of these
functions, although most start as providers of one or two kinds of support.
BEES emerged as a support organization in the development arena in 1975 through a project of Christian Reformed
World Relief Committee (CRWRC). Now it is well recognized as a national NGO. It endeavors for the socio-economic
development of the great majority of the rural and urban poor communities as well as promotes substantial
cooperation in various sectors of development, such as rural and urban institution building, awareness raising,
resource mobilization, basic education, economic base creation, human resource development, nutrition, general
health, MCH-FP and reproductive health services, agricultural services and a range of other support services.
BEES started its activities through Rural Development Program (RDP) for sustainable development of rural poor under
Bogra district through integration of community development approach. Illiterate, neglected, destitute and
disadvantaged poor people, especially women of the rural area were the beneficiaries of that program. Nevertheless,
it has been implementing an integrated Poverty Alleviation Program (PAP) since 1997 with a new strategic dimension.
Sustainable development can never be obtained without alleviation of poverty. 'Poverty' is not only due to lack of
income or employment opportunity but also a complex syndrome manifested in a variety of dimensions. Therefore,
BEES's effort is to promote income or employment generation for the target beneficiaries through different initiatives
like micro enterprise lending assistance, micro finance, poultry and livestock, agriculture and social forestry etc. BEES
works for bringing the disadvantaged people of rural and urban areas under the same umbrella and forming
homogeneous groups to facilitate a sustainable change within the society through social as well as economic
emancipation. For changing the behavior and attitude, and improving knowledge of the target groups, BEES applies
comprehensive promotional activities including training by using IEC and/or BCC materials.
Under Poverty Alleviation Program (PAP), BEES has linked up health care services and human resource development.
Awareness programs on human rights, legal support, gender equality, women empowerment etc. have been
mainstreamed to the program implementation to make the efforts meaningful and sustainable.
BEES provides its development services to rural and urban poor people who own
0.5 acres of land
Depend largely on the selling of own manual labor for their survival
Community people especially women of 15-49 years, children, and adolescents are the direct beneficiaries of health, MCHFP, nutrition and education programs. In addition, men and women of 18 to 45 years who have no access to get loan from
commercial banks or other financial institutions are offered to accept facilities from micro-credit program of BEES.
Vision
To establish a just society in which men and women can work
together to form institution to attain a higher degree of self-reliance
in managing their own affairs and achieve a higher and sustainable
standard of living.
Mission
To bring about changes in the lives of the poor, illiterate, neglected,
unskilled and destitute people, especially women of the society,
through their empowerment, self-reliance and improvement of life
style by its endeavors for sustainable development.
1.2 Programs of BEES

In order to address the development challenges, BEES has been
implementing a wide range of diversified programs with the
special emphasis on Rural Development, Micro-finance,
Agriculture, Health and Nutrition, and Education. A number of
support programs accompanied with some special ones are
contributing as an integral part of implementation in achieving the
objectives of the focal programs.
B. Health, MCH-FP and

Nutrition Programs
Community Based Health Project
BEES
Programs
at a glance
National Nutrition Program

HIV/AIDS prevention program
Nutrition Surveillance Project
D. Support Programs
Training
Information and Development Communication
Research, Evaluation and Monitoring
C. Special Programs
Social Assistance Program (SAP-II)
Women's Rights and Gender Equality Program
1.3 Program Approach
BEES gives emphasis on Building and Strengthening

Community Institutions, Pro-poor, Gender Sensitive
Interventions, Demand Responsive and Decentralized Service
Delivery Mechanism, Promotion of Good Governance and
Sustainable Development as its' participatory and demand
driven approaches.
Target Population
A. Rural Development Programs

Micro-Finance Program
-
Rural Micro-Credit
Urban Micro-Credit
Ultra Poor
Socio-economic Rehabilitation Loan Project
Micro-Enterprise
Financial Services for the Poorest
Micro Finance & Technical Support
Micro Finance for Marginal and Small Farmer's Project
Agriculture & Social Forestry
BEES provides its development services to rural and urban

poor people who own 0.5 acres of land, and primarily
depend on the selling of own manual labor for their survival.
Men, women, children, adolescent and disabled people
within the program area are the target beneficiaries of BEES
with especial emphasis to destitute women and hard core
poor. Presently BEES is providing services for improvement
of livelihoods to a population of more than 20 lac people.
Area Coverage
During the period of July 2005 to June 2006 BEES worked

for 2,903 villages of 102 upazillas under 31 districts of
Bangladesh. Now, BEES is planning to extend its coverage
with other new areas to stir up more people who are still
neglected and lying down the poverty line.
Poultry & Livestock

Education
1.4 Organizational Structure 2005-2006
Translating the Vicious

Circle of Poverty into the
Virtuous Circle of Prosperity
2.0 Rural Development Program
In 1975, BEES launched a program on rural development named Bogra Rural Development Program (BRDP). The major objective of this
program is the sustainable development of rural poor under Bogra district through integration of community development approach.
Illiterate, neglected, destitute and disadvantaged poor people, especially women of the rural area are the beneficiaries of this program.
The goal of RDP was to contribute towards establishment of an equitable society, in which the poor and disadvantaged group of people could
be united together on the same platform, attained a high degree of self-reliance for managing their own affairs to achieve sustainable
improvement in their livelihoods.
BEES organizes its members into groups and offers a service package including awareness raising program and skill development through
the provisions of credits, technical services, inputs and marketing facilities.
Following are the major sub-programs under this program:
Micro-Finance program
Agriculture & Social Forestry
Poulty & Livestock ; and
Education
2.1 Micro-Finance Program

At present micro-credit and income generating activities for the poor, especially poor women are becoming central elements of
development initiatives of NGOs in Bangladesh, with keeping pace of global emphasis on self-employment and on the basis of the
assumption that micro-credit programs and micro-enterprises lead to increased household income thus translates into more power and
influence for women at households and in the community. Most NGOs encourage savings and extend credit to poor women, organized
into small groups with a stress on self-reliance. Provision of micro-credit has been taking a dominant place in local programs in
Bangladesh as poor women in Bangladesh have gained an international reputation for their performance in specialized credit organizations.
In 1979, BEES started micro-finance activities through an agreement with Bangladesh Krishi Bank (BKB) for helping the poor people who
are deprived from the formal banking system. BEES continued this program up to mid-1988 and provided micro-finance services with a
competitive and reasonable interest rate to the rural and urban poor so that they can enhance their economic status, and upgrade their
standard of living by utilizing the credit money in different income generating activities (IGAs). To eradicate poverty from the intervention
area BEES appended micro financial services to its other development programs. Community people, getting loans and insurance facilities
from the organization with easier terms and conditions, were happy and had been able to save more money.
Major Interventions
The major interventions of BEES to operate the program in more effective and efficient manner were - conduct survey, form and mobilize
groups, conduct social mobilization activities, training, meeting, workshop, collect savings and manage credit through disbursement of
loan, provide technical supports, select entrepreneurs, raise awareness on entrepreneurship and various social issues.
BEES organized several trainings on human resource development, leadership, skill development on IGAs, supervision and follow-up etc.
Regular monitoring was the prime consideration of BEES to keep the program in right track.
Target Beneficiaries
To become a member of an association under micro-finance program of BEES one must satisfies the criteria as under:
Landless, with special emphasis on women;

Own 0.50 acre of land;
Earn living by selling manual labor;
The ultra poor living below the poverty line; and
Age between 18-45 years.
Micro-finance program of BEES, in line with other components of it, has been working for
addressing the need of the target population. The components are:
2.1.1 Rural Micro-Credit (RMC)

Rural Micro Credit (RMC) is one of the major interventions of BEES. Palli Karma Shahayak Foundation
(PKSF) and other national banks are the major sources of fund. Now this program is running through 82
unit offices in 29 districts. As on June 2006, there were 52,881 beneficiaries consisting of 3114 groups
who received a loan of Tk. 1219.76 million in total from this program. The recovery rate was 99%.
2.1.2 Urban Micro-Credit (UMC)

A significant number of rural people migrate every year to the urban areas searching for employment.
Casual daily labour is the sole source of income for most men. Women have even fewer options and
the informal sectors they work in are unregulated. However, the urban poor population continues to
soar. Despite the fact that urban poor people make major contributions to the Bangladeshi economy
and provide essential services, the areas they occupy are seen by the authorities and middle classes as
heavens of crime, drugs, disease and environmental pollution. BEES felt the necessity of helping these
poor people to uplift their socio-economic condition, and over the last 10 years, this organization has
been working for them. Recently, PKSF has provided fund to BEES for strengthening Urban Micro-Credit
(UMC) program. During the reporting period, BEES extended micro-credit facilities to 1173 urban
beneficiaries in 2 units under this program, and expects them to unleash from the intolerable and
dreadful poverty.
2.1.3 Micro-Enterprise (ME)

While most economists agree that long-term employment provides more security and higher returns
than micro-enterprise activities, traditions in Bangladesh often inhibit a woman's ability to obtain
employment outside the home. However, in order to reverse the falling status of Bangladeshi women,
international and local organizations have instituted micro-lending programs, giving women access to
loans to start their own small businesses. During implementation of micro-credit program, BEES
observed that there are many small entrepreneurs, craftsman and skilled workers in the rural areas
who are struggling hard to overcome their sufferings but failed due to capital. On that realization, BEES
provided the financial support to promote their entrepreneurship as well as create the employment
opportunity for the rural and urban poor. This concept is not new for BEES, it initiated the Micro
Enterprise activities in July 1997. Primarily in the early phase of its evolution, the program was initiated
with support of one million taka of the Basic Bank in a small pocket in Bogra district. The result was
very positive, therefore, from July 1997, it was promoted in other potential BEES's micro credit
intervention areas to support small entrepreneurs for micro-enterprise development program. Through
this project BEES organized 616 groups consisting of 4,405 target beneficiaries. Up to June 2006 the
cumulative disbursed loan was Tk. 357.23 million to beneficiaries.
2.1.4 Ultra Poor (UP)

The ultra poor households are almost universally landless, with wage labor being their main source of
income. This high dependence on wage market makes the ultra poor households extremely vulnerable
to food insecurity and malnutrition. In April 2005, BEES started Ultra Poor (UP) project in Rajshahi,
Natore and Gaibandha districts. Through this project BEES provides both financial and technical
supports to enhance their income as well as improve their livelihood status.
The major activities under the project are group formation, social mobilization, group meeting, savings
collection, micro credit management, awareness raising on social issues, human development and
leadership training, skill training on various IGAs for self-employment, wage-employment supervision
and follow-up, technical support in the field of IGAs, workshop, and community meeting, etc. During
the reporting period BEES formed 824 groups consisting of 24,372 target beneficiaries. It has provided
human development training to 5,000 beneficiaries, skill training to 2,700 beneficiaries, and disbursed Tk. 94.20 million as loan among
19,662 beneficiaries during the period of July 2005 to June 2006.
2.1.5 Socio-Economic Rehabilitation Loan Project (SRLP)

As Bangladesh suffers flooding often, a strategy should be developed to reduce the damage to infrastructure and, where possible, reduce
the impact of the unavoidable consequences of flooding. BEES launched Socio-economic Rehabilitation Loan Project (SRLP) in February
2002 at Chuadanga, Naogaon and Meherpur districts. BEES started it for extending the services to the people who were affected by flood
and natural calamities and lost their land and assets. The project provided the credit facilities to the flood affected people restore their
means of livelihood that include food, medicine, construction or repairing of houses, safe water, personal hygiene and sanitation and other
rehabilitation activities.
The major activities under the project were group formation, social mobilization, installation of hand tube-well (HTW) and sanitary latrine in
the project intervention area, relief and rehabilitation, purchase of emergency food and medicine, distribution of seeds, seedlings and
saplings to the beneficiaries, awareness raising on social issues and so on. Through this project a total of Tk. 21.46 million were
distributed among 3651 beneficiaries to construct or repair their houses and manage other family needs.
2.1.6 Financial Services for the Poorest (FSP) Project

Most studies of microfinance programs in Bangladesh indicate that the poor, and especially poor women, have been effectively targeted,
and that microfinance programs have been successful in opening up economic opportunities for their clients, increasing access to
resources and contributing to their confidence and well-being. However the poor are not a homogenous group. Within the ranks of the
poor lie groups with lower asset levels, less employment opportunities, greater consumption deficits, and greater vulnerability to periodic
economic and social shocks. In Bangladesh, detailed estimates indicate that 27 percent of the rural population, or roughly half of those
below the poverty line, are in "absolute poverty". Most of these hardcore poor suffer from chronic food deficits. The majority of them are
illiterate, own no agricultural land and survive in a situation of endemic insecurity often leading to land eviction, expropriation of assets and
physical violence. Studies, as well as impressionistic evidence, suggest that these hardcore poor generally remain outside the net of
conventional financial services.
Realizing the context BEES targeted those people of Madhobpur upazila under Hobiganj district and started its Financial Services for the
Poorest (FSP) Project since July 2002. Palli Karma Shahayak Foundation (PKSF), an organization of Bangladesh government extended
financial support to BEES to operate this project. The major activities under this project were group formation, social mobilization, group
meeting, savings collection, micro credit management, awareness raising, human development, leadership training, and skill training on
various IGAs. Upto the end of the reporting period BEES promoted 4,098 beneficiaries in 190 groups, provided training on human
development to 3,749 beneficiaries, skill development training to 645 beneficiaries, and organized 3 workshops for them. Side by side, this
organization provided total loan of Tk. 27.32 million to 3,313 beneficiaries.
2.1.7 Micro-finance and Technical Support (MFTS)

With a view to increase income and improve the livelihood status of marginal and small farmers, BEES started Micro Finance and Technical
Support (MFTS) program since January, 2004. PKSF provided financial assistance for operating this program. The farmers of B.Baria Sadar
of B.Baria district and Madhobpur upazila of Hobigonj district were the target beneficiaries of MFTS program.
Poultry and livestock rearing, parent stock rearing, cow fattening, food trading, mini hatchery, and kitchen gardening were the major IGAs
of this program. Total 8,744 beneficiaries received loan of Tk. 199.61 million for operating specific IGAs.
Following is the activity status of MFTS:
Table: Activity status of MFTS
Description
Number of association
Number of poor members
Number of hardcore poor members
June '05
June'06
Growth
62
501
439
1007
8235
7228
95
1964
1869
Outstanding money (Tk in lakh)
199.35
369.3
169.95
Loan distribution (Tk in lakh)
133.37
199.61
66.24
Savings recovery (Tk in lakh)
94.48
148.07
53.59
Training in general livestock
2099
4281
2182
Training in special livestock
25
42
17
Social development
369
719
350
Above table shows the significant growth in June 2006 in all aspects of the program. Among all of the members 19% were the hardcore
poor. BEES organized a 3 day long training program for 16 Assistants (Credit) on Monitoring and Evaluation of Livestock Related IGA. It also
arranged training on "Management Information System" for 4 Accountants. A total of 4,208 beneficiaries and 8 Technical Assistants
(Livestock) received training on several technical issues.
2.1.8 Micro-finance for Marginal and Small Farmers (MFMSF) Project

Recent days most of the organizations concentrated for providing the credit support to the poor population. Now they are extending their
support to the marginal and small farmers considering them as vulnerable group though they are not as poor as the landless people. PKSF
launched the Microfinance for Marginal and Small Farmers (MFMSF) project for those groups of people with the financial support of the
International Fund for Agricultural Development (IFAD) in June 2005. The objective of MFMSF is to improve the livelihoods of 210,000 poor,
small and marginal farmer households by enabling them to access and utilize viable microfinance services to invest in existing and new
farm and off-farm enterprises.
Incorporating technical assistance to the financial services an organization can obtain better results in agricultural production, employment
generation; diversify income sources or any other field. In this context both of these two issues was in build with MFMSF project.
Since September 2005 BEES has been performing its MFMSF project activities in Nakla and Sreebordi upazilas under Sherpur district. In
the meantime, the project covered 29 villages of 15 unions where 53 female and 5 male groups were formed including 1,110 female and
90 male members respectively. More than Tk. 58 lakh loan was distributed among the beneficiary members. , and loan recovery was Tk.
9.30 lakh, loan outstanding was 48.75 and savings collection was Tk. 10.11 lakh. Stated loan was distributed in different sectors.
Following table shows the sector-wise investment of loan money:
Table: sector-wise investment of loan money
Name of sector
Amount of Taka (in lakh)
Amount of Taka (in percent)
Crop Production
30.58
52.86
Fruit cultivation
0.15
0.26
Vegetable cultivation
0.39
0.67
Improvement of livestock resources
8.32
14.38
Pisci culture
3.18
5.50
Trading on agricultural input
0.48
0.83
Trading on agricultural market
5.8
10.03
Small trading
Others
Total
1.2
2.07
7.75
57.85
13.40
100.00
During the project period 10 BEES staff and 90 beneficiary members received several trainings on agriculture and social issues. Trainings
on agriculture include cow fattening, cow rearing, and fish culture. On the other hand, trainings on social issues cover woman
empowerment, early marriage, dowry, hygiene, etc.
2.2 Services under Micro-finance Program

To make micro finance program more effective BEES incorporated savings and Sheba package with its credit activity, so at present BEES is
providing three types of services, i.e., credit, savings and Sheba package to its beneficiaries. Illustrations of these services are as follows:
Credit
In our country, several GO/NGOs provide technical assistance to the rural and urban poor people to enhance their knowledge on different
technical issues, but in most of the cases they can not implement in their practical field due to lack of capital. BEES realized it and helped
those people to mitigate that issue through offering credit facilities in micro finance program. BEES provides credit to those group
members who have a certain amount of savings in the organization as an association member.
Key Features of Loans
There are some key features of loan regarding loan range, interest rate, repayment mechanism and loan products. The loan ranges from
Tk. 4,000 to 20,000 with a flat interest rate of 12.50%. Equal weekly installment is the repayment mechanism. General loan, sectoral
program loan, and micro-enterprise development program loan are the major loan products.
General loan can be taken for employment and income generating activities, while
sectoral program loan can be taken for micro enterprise development like poultry,
livestock, agriculture and small business and trade. Unit Manager is allowed to provide
loan up to Tk. 10,000 to the beneficiaries. Approval is required from Area Manager for
loan in excess of Tk. 10,000 up to 50,000. Program Coordinator approves the loan size
of up to Tk. 80,000, and in case of excess of Tk. 80,000, the approval of Deputy
Director, Microfinance is required. Credit is allowed for a maximum period of 45 weeks.
Savings
Poor households, in particular, have substantial difficulties coping with even local,
idiosyncratic risks. Public policy can help reduce vulnerability by encouraging private,
flexible coping mechanisms while discouraging those that are fragile or that hinder
economic and social mobility. Promising policies include creating self-regulating workfare
programs and providing a supportive setting for institutions working to improve access
to credit, health insurance, and safe and convenient saving opportunities.
In the credit program of BEES, individual association member can get the loan on the
basis of his/her savings status. For more savings one can get more loans that can be
utilized in more profitable sectors.
Sheba Package
Only the credit is not sufficient to make a person independent; many other necessary
factors should accompany to implement the technical know-how properly. BEES
provides other services alongside credit, specifically a) Insurance b) General and
Reproductive Health, c) Training and d) Input Delivery under Sheba package for
sustainable development of the target groups.
During the reporting year BEES provided the following services for the beneficiaries
through its Sheba package:
Insurance
Under the Sheba package, BEES introduced the insurance service for all its group
members. In case of unwanted death of any member, BEES can recover the outstanding
money from the insurance account of that deceased person. On the other hand, the
nominee of that person can get services from it. The features of insurance service are:
All BEES group members are eligible for BEES's insurance service.
BEES insurance covers the death of all borrowers.
The members having loans from BEES are equally eligible for BEES's insurance
services.
BEES's insurance service provides a capital some of Tk. 5,000-20,000 (US $71286) to the nominee of the deceased.
The premium would be taken on the basis of disbursed loan in the rate of 1% from
the beneficiaries at the time of loan disbursement.
General and Reproductive Health Services
Better health is the precondition for productivity. Thus to set a continuous effort to
maintain a better health of the group members MF has been implementing Health
Service Activities (HSA) under Sheba Package since 1st July 2002, BEES. With other
activities HSA is being carried out to bring a development in health related aspects for
the family members of the beneficiaries parallel to MF loan facilities The overall
objective of Sheba Package is to develop and strengthen the beneficiaries' capacity to
assess and analyze the scopes, benefits and limitations to make better use of
preventive health care, essential drugs, limited curative care and referral system. The
target beneficiaries of HSA are the group members and their family members as well as
BEES staff and their family members.
At present the paramedics of Sheba Package are providing following services:

Deliver essential drug based limited curative cares
Help for contraceptive selection and adopting birth control method
Deliver Ante-Natal Care (ANC) and Post-Natal Care (PNC) for the pregnant women
Motivate to participate in EPI (Expanded Program on Immunization).
Raise awareness for personal hygiene, nutrition, and population control
Motivate the beneficiaries to participate in the National and International Health Days like National Immunization Day (NID), World
Health Day, World AIDS Day, etc.
Till June 2006, a total number of 40 paramedics were working under one Medical Officer. During the reporting period HSA was
implemented in Naogaon, Bogra, Gazipur, Narsingdi, Dhaka, Faridpur, Brahmanbaria, Noakhali, Gaibandha, Rajshahi, Sherpur, Kishoregonj,
Hobigonj and Chuadanga districts. As of June 2006, a total of 96,377 members (Females 90,399 and males 5,978) with their family
members from a total of 4,921 groups from 1,957 villages under 406 unions from above mentioned districts were served through Sheba
Package.
During the reporting period, of the total registered cases 4.00% for ARI (Acute Respiratory Infection), 6.33% for diarrhoea, 10.33% for
malnutrition, 6.00% for worm infestation, 2.67% for skin diseases and 37.33% were treated as other cases which includes fever, headache,
anaemia, hypaeracidity, asthma, general weakness, allergy, low back pain, leucorrhoea etc. Among the cases 2.67% and 1.33% received
ANC (Ante-natal Care) and PNC (Post-natal Care) respectively. Besides, 0.67% cases were immunized against TT (Tetanous Toxoid).
Among contraceptive method users 13.67% for Pill,
3.33% for condom, 6.00% for injectables, 5.00% for
IUD (Intra-uterine Devices), 0.67% for ligation were
recorded.
Input Delivery Services
Through the Sheba package BEES distributed seed,

seedling and sapling, fertilizer, pesticides and other
necessary inputs for implementing their technical
know-how properly and on timely manner.
During the period of July 2005 to June 2006 total
income from Sheba package was Tk. 5,423,675.
BEES expended Tk. 2,564,107 from this income on
different areas, like against the insurance claim,
salary, and medicine for health related issues, input
supply, emergency relief, etc.
2.3 Achievements of Micro-finance Program

During the reporting period a total of 96,377 members consisting of 4,921 groups received support from BEES through its micro finance
program. Among them a total of 1,175 groups consisting of 38,709 members have newly been formed against the target of 1,200 groups
having 43,000 members respectively. Among the members, 82.54% received loan of Tk. 579.53 million during the said period.
More than 94% loan receivers were female who received loan of Tk. 487.08 million which marks 84.05% while only 15.95% loan received
by male members. By end of the reporting year Tk. 336.67 million was found as outstanding money. It was found that about 99% loan was
recovered, reveals a better performance. As of June 2006 Tk. 107.88 million was found as savings balance deposited by the clients.
Under the microfinance program, BEES distributed loan among the beneficiaries through different components considering various types of
IGAs. As of June 2006 the component wise number of members, disbursement, recovery, outstanding and savings balance were shown in
the following table:
Table: Component-wise loan disbursement, number of members, outstanding

recovery and savings balance status as on June 2006
Name of.Program
RMC
UMC
ME
FSP
UP
SRLP
MFTS
MFMSF
Total:
Total Member(in number)
Disbursed Amount
(in million)
Total Recovery
(in million)
Outstanding
(in million)
Savings Balance
(in million)
50828
1173
4405
4098
24372
53
10199
1200
96377
1219.76
159.50
357.23
27.32
94.20
21.46
199.61
5.81
2084.89
1068.07
143.31
292.19
18.96
40.66
21.42
162.67
0.93
1748.21
151.69
16.20
65.04
8.35
53.54
0.04
36.93
4.88
336.67
57.87
6.21
19.91
1.94
6.13
0
14.81
1.01
107.88
Loan was disbursed considering different types of IGAs like on grocery shop, clothes and readymade garments, poultry farm, cow rearing,
wooden furniture, handicrafts, rickshaw/van, pisciculture, fresh vegetable sale, etc. Maximum amount of loan was distributed for grocery
shop 22%, followed by clothes and readymade garments 15%. About 10% loan was distributed for poultry farm. The following table shows
the IGA-specific loan disbursement status of the organization.
Table: IGA wise Loan disbursement status
Name of IGA
Loan disbursement (%)
Grocery Shop
22
Cloths and Readymade Garments
15
Poultry Firm
10
Milking Cow Rearing
8
Workshop/Garage
7
Wooden Furniture
6
Handicrafts
6
Rickshaw/Van
6
Pisciculture
5
Vegetable Sale
5
Others
10
Total
100
Respective field workers of BEES organize meeting once in a week

to collect the installments against the disbursed loan and
individual savings. Different technical issues like family planning,
social awareness, various IGA activities, plantation, women right's
and gender equity, disadvantages of dowry and early marriage,
utilization of indigenous resources, etc. are also discussed in the
weekly meeting.
BEES also established linkages among the enterprises, different
money lending institutions, raw material suppliers, buyers,
shopkeepers, salesman, and other GO/NGO stakeholders.
2.4 Constraints of micro-finance program

Shortage of fund
BEES distributed loan to the target beneficiaries through 90 unit offices. Most of the unit offices are being maintained by PKSF fund. During
the reporting year BEES faced the fund crisis for distributing loan among the beneficiaries, especially in non PKSF area.
Staffs and beneficiary members' drop out

It was identified that field staffs' and beneficiary members' drop out was the major problem in operating the microfinance program
properly. BEES tried to find out the causes of drop out, and took necessary steps to overcome the situation. In case of utilizing loan money
by the beneficiary members in improper sectors, the drop out rate was higher.
Strike, blockade and political unrest

Frequent strike, blockade and political unrest situation was another limitation to operate the program smoothly. Expected number of field
visit can not be made by the higher authority of the program who was posted at the outside of the respective region.
2.5 Initiatives taken to overcome constraints

To meet up the fund crisis BEES maintained frequent communication with PKSF and submitted necessary documents to get required
amount of loan to disburse
BEES tried to collect more savings from beneficiary level
Planned accordingly to disburse the money on time as no idle money can exist in the bank
BEES also maintained good relations with Pubali Bank, BRAC Bank, Sonali Bank and Basic Bank to collect fund for facing the crisis moment
For reducing the staffs drop out rate BEES enhanced the salary level considering the category of staffs and arranged in-service
training to improve their skills
For reducing the member's drop out rate BEES motivated the members to utilize the money in proper IGAs to get more profit and
arranged training on related issues.
A Success Story
Urume Sabna Beauty of age 34 lives at Bhairab in Kishorgonj district with her
husband Mohammad Abdul Latif Mia of age 45 years. She has 3 children;
Anisusjaman 17, Isratjahan 12, and Sakida Rahman 6 years.
Beauty comes from a poor family. She was the fourth among five children of her parent.
She has studied till class eight. Her father was trying to give her marriage soon to
reduce a little bit impoverished. Therefore, she was married to Latif Mia in 1986, 23rd
of November. Latif Mia has passed HSC. In spite of having great eagerness for studies,
she could not continue after class eight since the financial condition of her husband was
not so good. But despite struggling against poverty she didn't loss her firm determination
to establish socially and economically in future.
Beauty's present situation tells us, how ambitious Beauty is without a proper
educational background. She has shown the world that a small help in need can
make impossible to possible. BEES has extended its hand in Beauty's need, which
lead her to success. Beauty was introduced with BEES, when BEES field worker went
to Bhairabpur to form a Mohila Samity in the area. She tells that she has shown great
urge and eagerness to be independent and be successful socially and economically in
life. Then with the cooperation of field worker she got opportunity to enroll in the
Bhairabpur Mohila Samity (women's association) of BEES on 19 July 1997 for
changing destiny in a new era of life.
Previously her income was 400/- per month while she used to earn from handicraft items
she made; and her husband was a tutor from which she used to earn 1200/- per month.
Her monthly savings was 100/- after mitigating all the basic needs of her family
somehow but Beauty wanted to be well settled in her life. This ambition and
determination has made the BEES personality feel that she has far more capability of
doing something in life than what she is doing at present. The door towards the stair of
success was opened to Beauty at once.
Beauty took 1st loan Tk. 3,000/- in 1997 from BEES, with that loan she established a
small shoe factory in her house. In the meantime, she took three days training on
social awareness and income generating activities from BEES. Till that very day
Beauty didn't look back. She was trying to implement what she learned from training
to run her business desirably. Both she and her husband worked together to run the
factory effectively taking suggestion and technical support from BEES. She took 2nd
loan of Tk.5,000/- and invested that in the factory. Subsequently she took eight times
loan from BEES and every time she took more amount than previous. She has
invested all loan money in her factory. From three years back she has been able to
take loan as small entrepreneur of BEES. Now her shoe factory is an well established
factory. She earns Tk.35,000/- per month in average from her factory. She has been
able to create employment opportunity in her factory. At present, 40 employees are
working in her factory. Among them 20 are part time employees who are all women
and each of them earns about Tk.80/- per day and the rest 20 are the professional
workers who earn in average Tk.175 -200 per day through the factory.
Now she is more eager to deposit more money. Previously she would deposit Tk. 10/- per week and now she deposits Tk. 75/- per
week as savings for facing future shocks/needs. Now her savings balance is Tk. 11,871/-. She has also recovered all borrowed money
which has been possible to earn from the shoe factory.
Beauty says, "Before involvement with BEES I had no knowledge to run a business. Now I know how to operate a business and have
gained a clear conception regarding shoe business. I have received training on income generating activities, valuable advices, health
services, advocacy on health, education, women's rights, sanitation, safe water, family planning, nutrition etc. from BEES for which the
awareness of different aspect has been developed. I have been socially and economically empowered. I have achieved capability to
take decision individually for facing unavoidable situation. Peoples come to me for taking suggestion on several problems faced by
them. The family value has been raised vertically towards the community people. At present my husband has been employed as a
cashier of working committee of local shoe business cooperative and I am also a member of that committee."
Her two children are going to school regularly. Their parents spend Tk.3000 per month for their education. She wishes to give higher
education to her children which she couldn't take due to poverty. She is now passing respectable life including her family members.
She is now a confident entrepreneur in her locality. Her firm determination and perseverance and effective cooperation of BEES are the
major support behind her success. She wants to expand her business and likes to engage herself in the works that the destitute and
disadvantaged women of the country can be empowered in family as well as in the society.
Quality Seeds for a

Good Harvest of
Golden Tomorrow
3.0 Agriculture Program
3.1 Agriculture and Social Forestry
A healthy environment is one in which people, at home, at workplace and in their communities, has access to safe food and water, has
adequate sanitation and is protected from risks associated with chemical pollution, environmental degradation and disasters. Promoting
healthy environment is, thus, about assessing, correcting, controlling and mitigating environmental factors that can adversely affect health of
present and future generations. Environmental health also includes enhancing those aspects of environment that can improve human health
to attain sustainable development of healthy environments.
Reversing the tide of poverty requires action on multiple fronts. Two essential tools are trade and technology. Trade offers the possibility of
increasing producers' incomes and building real assets that can sustain economic growth. Technology offers the possibility of universal
access to the knowledge that can spawn innovation.
Agriculture and social forestry is a project that can help eradicate poverty as well as ensure a healthy environment. Bangladesh is one of the
most suitable places to implement the agriculture and social forestry activities, because it has fertile land, in conjunction with skilled,
dedicated but cheaper labor facilities.
BEES introduced Agriculture and Social Forestry Program in 1975. This program provided technical supports to the farmers, such as
intensified use of land through crop cultivation, and introduce diversified crop with modern technology. This program also ensured supply of
quality inputs, like seed, seedling, sapling, etc. to the beneficiaries. Beneficiaries also received quality training from this program, and got
credit facilities to implement their knowledge and skills simultaneously.
3.1.1 Objectives
To adopt sustainable agro-technology by target beneficiaries for enhancing the nutritional status and income level of the most vulnerable
groups in the society and enable them to become financially self-reliant through crop diversification, to increase agricultural production and
to promote social forestry to bring favorable ecological balance in the environment.
3.1.2 Major Interventions

Group formation, social mobilization, savings and credit management, agro-technology transfer, establish home gardening, conduct agrodemonstration at farmer's field, create awareness related to health, nutrition, personal hygiene and family planning, conduct training and
workshops for both project staff and beneficiaries, and distribute seedlings, saplings, grafting, etc. were the major interventions of
Agriculture and Social Forestry Program.
3.1.3 Achievement
During the reporting period BEES performed the following activies under Agricalture and Forestry Program;
Improved Technologies
BEES imparted the project beneficiaries with some improved technologies on vegetable seed
production, integrated nursery, spacing of seed sowing, tree plantation in agricultural crops,
homestead gardening, mini orchard establishment, compost preparation using kitchen waste and
dung, rice-fish production, IPM in vegetable and crops production, and vegetative propagation of
fruit trees.
Agriculture Fair
BEES participated in several agricultural fairs for the promotion of project interventions as well as
to reach faster the mass people of the project area. During the reporting period BEES took part in
15 fairs as held in Norshindi, Fraidpur, Gopalgonj, Sherpur, Noakhali, Feni, Chuadanga and
Madaripur districts.
Demonstration Plot
Demonstrations are designed primarily to show something new to the visitors. To increase the
farm production BEES demonstrated 11 items to the beneficiary farmers in the reporting period.
The items aman, wheat, oil seed, pulses and winter vegetable cultivation using modern
technologies, heap compost preparation, green manure, farm yard manure, kitchen gardening,
existing fruit trees management, orchard preparation were demonstrated for the progressive
farmers. Nevertheless, to enhance the nutritional wellbeing through intake of fresh vegetables,
utilization of fellow lands around the homestead as well as idle manpower and to create an
additional source of income were some other objectives to set up the demonstration plots.
However, a total of 32,546 farmers were benefited from this initiative. It was observed that about
85% families had been able to increase their farm production by 7% in the reporting year.
Tree Plantation
Every year BEES distributes fruit, timber and medicinal trees among the beneficiary members to
ensure better environment, improve health condition and, above all, enhance economic status of
the households. In the reporting year BEES distributed different types of 92,413 fruit trees, like
mango, jackfruit, carambola, litchi, blackberry, guava, coconut, lotkon and olive through this
program. It also distributed 95,394 timber trees, viz., neem, shishu, mehegoni, akashmoni,
shegun, raintree, etc. and 24,280 medicinal plants including arjun, hartaki, bohera among the
beneficiaries.
Loan Disbursement
Through this program total loan of Tk. 53,025,000 was disbursed among 7,264 farmers for
homestead gardening, and nursery and orchard establishment.
Agricultural Inputs delivery

To ensure better
production BEES delivered
the quality inputs to the
beneficiary members.
Quality inputs include
quality seed, fertilizer,
pesticide, seedling/sapling
and fingerling. Following
table shows the number of
beneficiaries against the
type of inputs.
Table: Status on Inputs Received by Beneficiaries

Input
Number of beneficiaries received
Seed
76,213
Fertilizer
20,062
Pesticide
8,272
Seedlings/Saplings
16,660
Fingerlings
3,060
During the period from July 2005 to June 2006, BEES distributed summer vegetable seeds viz.,
okra, red amaranth, ridge gourd, ash gourd and kangkong among 76,213 beneficiaries against the
target of 80,000. It also distributed winter vegetable seeds viz., bottle gourd, indian spinach, red
amaranth, sweet gourd, and radish among 61,194 beneficiaries against the target of 65,451.
Sanitary latrine and tube-well distribution
BEES distributed 2,689 latrines and 763 tube-wells among the beneficiary members during July
2005 to June 2006.
Training for project staff and beneficiaries

For better implementation of the planned activities BEES arranged trainings for project staff and beneficiaries according to their need.
During the reporting period BEES trained 36 project staff and 1160 beneficiaries on chick, key and model rearing, mini hatchery, poultry
management, egg and feed selling, and cattle farming. All the beneficiaries got training on key rearing. On the other hand, only 12
beneficiaries received training on mini hatchery. It was observed, as a result of the training that the monthly income of the beneficiary
households who reared poultry and livestock increased up to Tk.1500.
3.2 Smallholder Agricultural Improvement Project (SAIP)

Since May 2001, Smallholder Agricultural Improvement Project (SAIP) started its activities focusing on the disadvantaged tribal (adivasi),
landless, marginal and small farmer households. During the period of July'05 to June'06 SAIP provided the support to its beneficiaries in
Narshingdi, Monohardi and Sherpur districts. International Fund for Agricultural Development (IFAD) funded this project.
3.2.1 Objectives
To improve the socio-economic status of target beneficiaries by promoting food security, nutritional status and agricultural diversification of
the adivasi who are landless, marginal, and small farmers within the project intervention areas.
3.2.2 Achievements
During the reporting period SAIP worked in 358 villages of 10 upazillas
under three districts as mentioned earlier. This time the project extended
its supports to more people and covered another18 villages under those
upazilas. Seven associations were cut down but 524 members enrolled
during that period and an additional 1,980 members received loan.
Among the total members, 81% received loan from BEES. The amount of
outstanding money was increased to Tk. 8.51 lakh during July 2005 to
June 2006, and Tk. 733.29 lakh was distributed to the beneficiaries.
Following is the sector wise distribution of loan:
Table: Sector wise distributed loan

Sector
Distributed loan
(Tk. in lakh)
(%)
Crop Production
256.65
35
Livestock Resources
183.32
25
Fish Development
73.33
10
Others
219.99
30
Total
733.29
100
Until June 2005, members made a savings of Tk.168.29 lakh, and during
the reporting year it was Tk.12.96 lakh.
3.3 Poultry and Livestock Program

Formulated, tested and implemented in large scale throughout nearly 20 years in Bangladesh, the apparent impact of Bangladesh Semiscavenging Poultry Model has been documented in numerous reports, and has become one of the world's best-known tools for reaching
out to poor female livestock keepers. The Bangladesh poultry model gradually grew out of a food aid project targeting poor women with
low food security. By offering combined packages of technical training in poultry and livestock rearing and credit to the beneficiaries,
poultry and livestock production was introduced as a means to assist the poor households in creating a source of income.
With the assistance from Bangladesh Government and with its own fund BEES has been operating this program since 1980. For effective
implementation of this program BEES provided several support services to the beneficiary members, like training on poultry and livestock
rearing and management and on other technical aspects as required, ensured credit as well as vaccination facilities.
Together with income generation this program also contributes in creating women empowerment. Women can earn extra money by selling
milk, eggs, chicks, chicken etc. Analysis revealed that in more than 70% households involved in poultry and livestock rearing, women have
the greater involvement. However, family members can consume milk, meat, eggs and chicken and get nutrition for leading the healthy
life, and can reduce the treatment cost.
3.3.1 Objectives
The objective of this program is to increase income particularly of women, enhance nutritional status through increasing protein intake of
the rural poor, reduce poultry and livestock mortality, improve the variety of poultry birds and upgrade the local breeds of livestock through
crossbreeding.

Group formation, social mobilization, savings and credit management, conduct training and workshop for project staff and beneficiaries, arrange high
breed poultry birds and cattle, arrange vaccine for poultry and livestock are the major interventions of this program.
3.3.3 Achievements
Total 10,199 numbers of beneficiaries were covered under this program against a target of
14,400. BEES arranged several training sessions related to poultry and livestock for its staff and
beneficiaries. During the reporting period BEES organized training on chick, key and model rearing,
mini hatchery, poultry management and cattle farming for 36 staff and 1,340 beneficiaries.
Table: Category wise no. of participants attended in the different training session
Training topics
Category wise no. of participants attended

Staff
Beneficiaries
Chick rearing
36
60
Key rearing
36
1160
Model rearing
36
25
Mini hatchery
36
12
Poultry Management
36
33
Cattle Farming
36
50
BEES distributed loan of Tk. 63,804,000 among 8,708 beneficiaries. During the reporting period,
678 poultry and 144 cattle farms were established, where 135,680 poultry birds and 5,720 cattle
were found respectively. Total 314,398 poultry and 9,668 cattle were vaccinated under this
program. Through involving with poultry and livestock activity beneficiary members have been
able to raise their monthly income by Tk. 1,500 in average.
3.4 Constraints of agricultural

program
Lack of expertise on modern cultivation techniques
In our country most of the farmers still use traditional techniques to cultivate their crops. They are
not so aware about the modern technologies, so they get less profit and loss interest on
agricultural activities. During the reporting period this practice was also found like before.
Unavailability of quality inputs
Timely not to get quality seeds, fertilizer and other inputs was another problem to have expected
crops during the reporting year. Utilizing of quality seeds, fertilizer and other materials in time was
very essential to grow more amount as well as quality production of crops.
Gradual reducing of agricultural land
As an overpopulated country, the agricultural land of Bangladesh has been continuously reducing
day by day. During the reporting year it was another major problem to find out the farmers with
suitable cultivable land.
3.5 Initiatives taken to overcome

constraints
BEES arranged discussion session on new improved cultivation technique once in a year
BEES advised the local vendors to keep the quality inputs on time
BEES distributed winter and summer vegetable seeds among the farmers ensuring the
quality seeds from well renowned seed vendors. BEES distributed 5 types of winter and 5
types of summer vegetable seeds among its beneficiary members.
Respective field workers organized the training on quality seed production
BEES provided the loan to purchase the quality inputs
Field workers of BEES inspired the farmers to bring the fellow land for cultivation
Inspired for utilizing the land more time in a year for more than one cropping
Inspired to cultivate improved varieties of crops
Day Old Chick Rearer:

Success story of Mst. Hena Bagum
Hena Begum, a woman of 45 years old, was one of the million housewives in the area who was
struggling to live for an ordinary life with food, clothes and other basic amenities for her family.
She is married and has four sons and one daughter. Her husband's name is Mohammad Zillur
Rahman, living in the village Gowtompara under Brammanbaria district.
Her husband worked as a day labor and earned only Tk. 3000/- per month. He was only the
earning member in the family. Hena used to waste time as a housewife and couldn't add any
earning with the family income. On the other hand, the expenditure of the family was increasing
day by day as their children were growing and their requirements were rising. She faced
difficulties in arranging daily meals for her family members, she couldn't purchase sufficient
clothes, and she couldn't spend necessary money even with severe health ailments. This
situation was being quite unbearable for her. Hena Begum's life was not only one of a stretching
hardship but also being treated as insignificant and neglected in the society as she was poor; so
she was trying to find out the earning source for getting rid of this distressed situation and
dreamt herself to be an earning woman.
Once she heard a field extension worker of BEES explained their poverty alleviation program to
the women at the neighborhood. She went there and hearing the explanation of the worker, she
became convinced and felt comfort getting a way to remove their hard times. She discussed
with her husband about the matter and joined 'Gowtompara Mohila Samiti' (women's
association) of BEES on 12th June '2004 taking consent from him. From that day she began her
life to a new turn and made a rapid change.
BEES's field worker advised her to receive training on rearing of day old chicks from BEES.
According to the suggestion, she took a 5-day long training. Hena says, "After receiving training,
I took loan of Tk. 10,000 from BEES for the first time and then of Tk. 20,000 as 2nd time loan
for rearing day old chicks. Rearing those chicks for two months with the technical assistance of
BEES I sold those among the group members and earned about Tk. 6,000. In this way, I earned
Tk. 14,000/- through rearing the next two batches of chicks. I had no any technical know how
on rearing the day old chicks. Now I can rear it with full confidence. BEES provided me
technical support as required. Presently in average my earning is Tk. 6,600 per month from this
business."
Now Hena is economically and socially sound. They don't have to face financial difficulties. She
is saving more amount of money than before for future demand. Previously she would deposit
only Tk.25 per week, and now deposits Tk.50 per week. She has become a valuable person for
the family as well as for the society. For her great contribution in earnings her all children are
getting facility to study in schools. She is leading a better life, not feeling neglected and inferior
like earlier. Neighbors respect her, often come to her for getting advice on several issues.
Hena says, "Besides credit facility I received other services from BEES, like winter and summer
vegetable seeds and seedlings, health services, technical support etc. Involvement with BEES
has fully turned my life. Now I am an earning member of the family. I am extremely grateful to
the BEES and workers of BEES for the transformation of my life. I believe such kind of
organization like BEES can bring change of luck to the deprived and poverty-stricken people in
the society."
Hena wants to establish a model breeder firm at the side of rearing the day old chicks in near
future.
Being Enlightened to
Make a Sustainable
Contribution
3.6 Education Program
Education is a basic need to the development of a country. Bangladesh Government has kept it in
high priority, especially the primary level education. Due to effective advocacy for awareness
raising and intensive follow up by the government as well as the NGOs, substantial improvement
has been made over the last 20 years. Enrollments have been increased, gender balance has been
increasing, and public spending on education has expanded.
Among all of the enrolled children, only 75% can complete their primary school education. Five
percent of children do not enroll, and 25% children drop out after enrollment, so 30% children do
not have primary school education in Bangladesh. This occurs mostly for those children who live in
poverty and in minority family. In our country student/teacher ratio is high and contact time is low
comparing to the other developed countries.
Young age is a crucial moment for development of mental, moral and physical power in
appropriate manner through proper education. Therefore, most of the developed countries are
now operating pre-schooling program for their children. They are applying modern teaching
techniques and materials for attracting the students to memorize the listen.
Respecting the above issue BEES incorporated the education program in 1984 through providing
Functional Education (FE) to its group members to improve socio-economic status of rural and
urban poor people. Non-Formal Education (NFE) and Non-Formal Primary Education (NFPE) project
worked for that considering the children, adolescents and adults.
By using own fund BEES initiated NFPE program with 20 NFPE schools in rural, semi-urban and
urban areas under Bogra district in 1996 on a pilot basis. After piloting, it opened 200 schools for
dropped out and non-school going children, preferably the girls of poor landless families. World
University Service of Canada (WUSC)-CIDA was the major source of fund for operating this
program. It also utilized its own fund for better output.
3.6.1 Programs under Education Program

Now BEES is operating four types of programs related to education which are:
i.
Pre-primary Education
ii.
Reaching Out of School Children (ROSC)
iii.
Post Literacy and Continuing Education for Human Development (PLCEHD-1)
iv.
Sisimpur Outreach Pre-primary Education
This program is for children aged 4+ to <6 years old to make their mental and physical
development for going to formal school, create scope of early learning, prepare themselves to get
admission in primary school, increase enrollment and decrease drop out rate in primary level.
With the objective to create scope of primary education for reaching out of school children, increase
quality of primary education in the project school, and increase capacity and capability of relevant
organizations, ROSC program was introduced. Age of ROSC students is in between 7 and 14 years. Twenty five to 35 learners are enrolled in
the same class under the guidance of one teacher.
Ministry of Primary and Mass Education (MOPME) of Bangladesh Government provides the financial support to the ROSC program. It
provides the support for teacher's honorarium, training, school dresses for learners, teaching materials and grants to NGOs, i.e., Education
Service Providers (ESP). Field Organizers (Education) of BEES supervise all activities of ROSC school and conduct the meeting of School
Management Committee.
The objective of PLCEHD-1 is to increase the functional application of literacy skills by providing post-literacy and continuing education to
neo-literates through a more comprehensive and enhanced system that they can use literacy skills to increase their incomes, improve their
families' welfare and participate fully as citizens.
Bureau of Non-Formal Education (BNFE) normally allots 01 unit or 15 centers to one NGO. Each center operates in 2 shifts where 30
female and 30 male learners enroll per shift. The project duration is for 9 months in which first 3 months for post literacy and following 6
months for Continuing Education. BNFE under MOPME of GOB provide the financial supports for this program. Education Manager and
Deputy Director (Education) supervise its activities on regular basis in support of BEES.
To stimulate 5 organs of sense at the early stage of children, create the scope of early learning at the age of 4-6 years, and to prepare themselves
mentally and physically for going school by their own interests are the major objectives of the Sisimpur Outreach Pre-primary Education.
Nayantara Communications is an NGO provided training on Sisimpur outreach materials and supplied 300 sets of education materials.
BEES selected 300 schools for implementing this program. A total of 258 staff received 2 day long training for conducting class of
Sisimpur Pre-primary School and regular supervision. BEES arranged additional technical and financial supports. The teaching approach of
this program is completely different than the other traditional methods. Here children learn by playing games, playing roles, hearing and
telling stories, singing songs, and practicing their own hygienic and cleaning activities.
3.6.2 Achievements of Education Program

During the period of July 2005 to June 2006, total 8 pre-primary schools were running. Two hundred and forty students were enrolled
comprising of 122 boys and 118 girls. Considering the target, achievement of total students was 66.67% where boys were 33.89% and
girls were 32.78%. For 8 schools of this program there were 8 female teachers. Average attendance rate of students was 97%. During the
reporting period only 13 students (6 boys and 7 girls) dropped out.
Four days training on Learning Process, Role of Teachers, Role of SMC and two days refresher training were arranged for all teachers of
this program.
During July 2005 to June 2006 total 17 schools were running under this program with 577 students, where boys and girls were 40.55%
and 59.45% respectively. The target was for 875 students with 40% boys and 60% girls. Total 17 teachers and 2 supervisors guided them
to receive education properly. The students' attendance rate for this program was 98%.
One discussion session on Role of SMC Member was arranged for 5 members, and two workshops on Social Motivation for Supervisors
was also arranged on behalf of BEES.
BEES conducted 30 batches with 900 students under PLCEHD, where the target was also for 900 students. Total 30 teachers with 50% male
and 50% female and 2 male supervisors were engaged for providing guidance towards the students of this program. Average attendance rate
of the students was 79%. Nine day long basic training on Post Literacy and Family Life Education and 6 day long refresher training on Skill
Training on four different topics were organized for all teachers, supervisors and students under this program during the reporting period.
A remarkable number of schools with large number of students were involved with Sisimpur Outreach Pre-primary Education program.
During the reporting period total 300 schools with 9,000 (50.46% boys, 49.54% girls) students were working in this program, where target
was also for 9000 students with 50% boys and 50% girls. Total 238 teachers (14.29% male, 85.71% female) and 20 supervisors (80%
male and 20% female) were involved for providing guidance to those learners. Students' attendance rate was 90% in average. Two day
long training on Role of Facilitator and How to Use Materials was arranged for all teachers, supervisors and students under this program.
Sound Health for

Sound Nation
4.0 Maternal and Child Health-Family
Planning (MCH-FP) and Nutrition
Program
BEES has been implementing several health projects/programs since 1979 focusing on its beneficiaries with the component of primary
health care, family planning, nutrition, kitchen gardening, cooking demonstration, growth monitoring, immunizations, watsan, arsenic
mitigation, etc. The projects were funded by different donor agencies like CRWRC, CIDA, WUSC, ODA, BPHC and Bangladesh Government.
BEES implemented the following health program /projects during July 2005 to June 2006:
4.1 Community Based Health Project (CBHP)

In 1979, BEES initiated its Health and Nutrition program with self-finance in Bogra district. Later on, in 1984, BEES recognized its health
and family planning services through grouping activities with the financial support of CIDA. In 1992, BEES has been implementing a
multifaceted Community Based Health Project (CBHP) with financial assistance from Bangladesh Population and Health Consortium (BPHCDFID) and Royal Netherlands Government in six upazilas of Bogra district and gradually concentrated its activities in Adamdighi and Dhunot
upazilas since 1992 to December 2004. Considering the impact of the project, BEES has been continuing this project until now by its
surplus fund generated from Micro-Finance program.
4.1.1 Goal and Objectives

The goal of CBHP was to improve the health status of children, women and men in BEES intervention area of Dhunot and Adamdighi
upazillas of Bogra in collaboration with Health and FP Department of GOB.
The main objective of this project is to increase the reproductive health, family planning, child health status and general health services to
the community people, especially fertile couples (15-49 yrs), children (0-1 yrs), adolescents (10-19 yrs) and common ailing people.

Reproductive Health
Ante-natal care (routine ante-natal check up, distribution of vitamin A capsule, TT-2), Safe delivery care (Institutional delivery, safe delivery
by TTBA and qualified person) and Post-natal care.
Family Planning Services
CBD (Community based distribution pill, condom), CC (Clinical contraceptives - Injectable, IUD, referral for ligation and NSV) services,
Adolescent Reproductive Health Services
Child Health
EPI, Vit-A distribution, Acute Respiratory Infection (ARI), Control of Diarrhoeal Diseases (CDD)
Communicable Disease Control
Reproductive Tract Infections (RTIs)/ Sexual Transmittal Diseases (STDs), HIV/AIDS, TB, Regional disease like goiter, leprosy, etc.
Limited Curative Care
Static and Satellite clinical service for general treatment
Behavioral Change and Communication (BCC)
Courtyard meeting, community meeting, workshop, seminar and other promotional activities (National day observance, Rally, Miking, etc.)
4.1.3 Achievements of Community Based Health Project

During the reporting period CBHP continued its
support towards 24,170 households with 104,939
members where the percentage of female and male
was 49% and 51% respectively. CBHP provided the
support on ante-natal care (ANC), safe/clean delivery,
post-natal care (PNC), and family planning as
reproductive health services. It also provided
supports for increasing clinical contraceptive
acceptors, support through office level static clinics,
satellite clinics and referral to govt. hospitals and
clinics.
During the reporting period in case of ante-natal care,
safe/clean delivery, and post-natal care 80.38%,
11.58% and 32.33% achievements were found
against the target of 79.12%, 11.76% and 30%
respectively. 74.08% contraceptive acceptance rate
(CAR) was accomplished in case of family planning
against the target of 73.06%. 39.15% client adopted
contraceptive against the target of 40.50%; IUD,
injectable, vasectomy NSV, tubectomy and norplant
were promoted as contraceptive methods. 84.67% static clinic, 94.33% satellite clinic and 72.91% community clinic sessions were
organized against the target of 100% in all cases. Different types of immunization activities and awareness sessions were accomplished
during July 2005 to June 2006, such as, EPI, TT to pregnant women, TT to other vulnerable women aged 15 to 49 years. Organize EPI
sessions were the major activities to ensure the immunizations in the targeted area.
In case of family planning, the contraceptive
acceptance rate (CAR) was achieved 74.08%
(16,454) against a target of 73.06% (16,240) where
achievements on both temporary and clinical
methods were 60.84% and 39.15% respectively
against the targets of 59.50% and 40.50%.
Total 11,619 children of age between 1 to 5 years
received vitamin A capsule as a preventive measure
of Vit-A deficiency disorder during July 2005 to June
2006. To achieve the target BEES assisted to list
down the children of 1-5 years, make liaison with
local health department, aware and distribute VAC
jointly with GOB health department, make aware the
community people about Vit-A deficiency disorder
and disease prevention.
Adolescent Reproductive Health Care is a pilot
initiative under the Network for Ensuring Adolescent
Reproductive Right and Services (NEARS) supported
by UNFPA. During the reporting period CBHP provided
the services towards 8 groups in community level and 12 groups in school level of 10 to 19 years adolescents at Adomdighi upazila. 96
adolescent sessions were organized during July 2005 to June 2006. In addition, BEES ensured free medical check up, medicines with
subsidized rate, essential drug availability, common pathological tests, and health services by MBBS doctors and paramedics under
abandoned Shantahar Railway MCH clinic as handed over to BEES.
4.2 National Nutrition Program(NNP)

Bangladesh is a densely populated country in the world containing 147 million of population. There are several problems in this country;
malnutrition is one of the major ones. In presence, near 51% of children less than 5 years old are underweight, 48.8% are stunt in height
(CNS, BBS and UNICEF 2002). Rates of child malnutrition rise very rapidly from 6 months of age. Six to 23 months aged children are the
most vulnerable in respect of nutritional status. About 50% of pre-school children and pregnant women in rural Bangladesh are anemic.
One-third of school going children, adolescents and non-pregnant women are anemic (NSP,HKI/IPHN,2002).
Household food insecurity, improper food consumption habit and unhealthy environment are the major causes for malnutrition. No
significant improvement was found in Bangladesh in regards of nutritional status yet. BEES is one of the leading NGOs, has been working
to improve the nutritional status of rural and semi-urban poor people since its establishment in 1975. BEES has been providing services to
the children, pregnant women, lactating mothers, adolescent girls, newly-wed couples and all levels of societies.
To achieve a substantial and sustainable improvement in the nutritional status of women and children, Bangladesh Government started
implementing the Integrated Nutrition Project (INP) in six upazilas in 1996. Now it has been expanded in 59 upazilas. World Bank has been
funding for implementing the project.
The vision of the NNP is to reduce malnutrition, particularly among women and children, to the extent that it ceases to be a public health
problem; and the goal is to develop and strengthen communities' capacity to assess and analyze the causes of their malnutrition problems
and to make better use of family, community and external resources to improve the nutritional status of vulnerable groups.
4.2.1 Objectives
The overall objective of NNP is to achieve sustainable improvement in birth weights and in nutrition status of vulnerable groups through
adoption of new behaviors and appropriate use by individual and household with nutrition services that are increasingly managed by local
communities.

BEES extended its services to accomplish the following activities through CNP at CNC level under NNP:
Core ABCN services till June 2006

1. Childrens services:
Birth weight recording - within 72 hours of birth of a baby.

Arranging immediate special care for LBW (Low Birth Weight: birth weight less than 2.5 kg) babies.
Birth registration for the new borne babies within 7 days of birth
Monthly growth monitoring and promotion activities (GMP) of children under 2 years of age.
Supplementary feeding to severely malnourished children.
Helping for vitamin A & immunization as per immunization schedule.
Referral of seriously ill babies to health care center.
2. Maternal nutrition services
Monthly monitoring of weight gain of pregnant women.
Supplementary feeding to pregnant women with BMI (Body Mass Index) less than 18.5 and lactating mothers: Daily from 4th
month of pregnancy till delivery and continuing for another 2 months after delivery.
Micronutrient supplementation with Iron tablet for pregnant women: 1 tablet daily from 4th month of pregnancy till delivery
(Maximum 150 days).
Micronutrient supplementation with one Vitamin-A capsule for lactating mothers: 1 capsule (200,000 UI) within 6 weeks or 42 days
of delivery.
Micronutrient supplementation with iodized salt for pregnant women, lactating mothers and children: Ensuring by monthly testing of
households for using iodized salt.
Referral of pregnant women & lactating mothers with complications or illness to health care center.
3. Breastfeeding protection, promotion and support services
Initiation of colostrums feeding within half an hour of delivery for a newborn baby.
Promotion of optimum & Exclusive Breastfeeding (EBF) for first six months (180 days).
EBF followed by introduction of Appropriate Complementary Feeding (ACF) on completion of six months.
Mother support activities up to CNC level for ANC, PNC, EBF, AFC and maternal nutrition.
4. Newly married couples nutrition services
Monthly nutrition counseling of newly married couples.

Monthly awareness building for FP services and delayed conception.
Monthly awareness building for normal weight gain and pregnancy.
Micro-nutrient supplementation by Iron-folate tablet: 2 days per week till 2 years after marriage or till conception within this time period.
5. Nutrition Services for unmarried adolescent girls (13 -19 years)
Monthly nutrition education forum.

Micro-nutrient supplementation by Iron-folate tablets: 2 days per week till the age of 19.
6 monthly De-worming by Albendazole (400 mg) tablet.
6 monthly weight monitoring.
6. BCC Forums
Monthly forum for Adolescent Girls.

Monthly forum for Newly-wed couples.
Monthly forum for Mothers of moderately malnourished children.
Several Government Organizations, UN Agencies, National and International organizations and some other institutions are the
implementers of this program.
4.2.3 Achievements of National Nutrition Program

BEES implemented its NNP activities in 82 unions of 6 upazillas through 1,207 CNCs. By end of June 2006, a total of 1,573,119
beneficiaries from 301,828 households received core ABCN services.
Monthly Growth Monitoring and Promotion
Out of 64,913 registered children under two years, 57,809 were weighed, and overall growth monitoring and promotion (GMP) coverage
was more than 89.06%. Total 1,287 newborn babies were registered in the same month and birth weight of 1,259 babies was measured.
The coverage was over 97.82%. Out of total weighed 1,259 newborn babies, 43 (3.34%) were found having weight less than 2.5 kg, that
is, low birth weight. Among total underweighted 43 babies, 2.26% were boy and 4.49% were girl children.
Measuring weight of pregnant women
In June 2006, over 98% women's weight were monitored among the registered pregnant ones. Only 6.41% pregnant women gained above
9 kg. About 96.65% pregnant women received ANC (from different sources including Govt. NGO, Private sector) in 6 upazillas.
Supplementary Feeding for Women and Children
About 15.68% of pregnant women having BMI below 18.5 were brought under food supplementation in June 2006. Total 11.02% lactating
mothers received food supplementation during the same period. About 2.31% children less than 2 years were brought under food
supplementation.
ANC and Micronutrient Supplementation
In June 2006, 96.65% of registered pregnant women received ANC. In the same month more than 88.60% of registered pregnant women
received Iron Foliate tablet. Over 99% lactating mothers giving birth to newborn babies received vitamin A supplementation after delivery.
Breastfeeding
In June 2006, more than 99% of newborn babies received colostrums at birth. About 52.1% babies received exclusive breastfeeding up to
6 months of age.
Adolescent girls' forum
Total 68,220 adolescent girls of age 13-19 years were enlisted in six upazillas in June 2006. Total 4,632 forums (95.94%) out of targeted
4,828 were held in which 98% adolescent girls participated and were counseled about basic nutritional facts, reproductive health, life
skills, delayed marriage, anti-dowry motivation, etc. They were also provided with Iron-Foliate supplementation at the dose of two tablets
per week and de-worming tablets (Albendazole 400 mg) at 6 months interval.
Forum for mothers of moderately malnourished children
A total of 94% mothers of moderately malnourished children received counseling about child feeding and care through 1,196 sessions
(99.09%) against the target in June 2006.
Newly-Wed Women
Total 6,370 newly-wed couples were registered as of June 2006 and 95% of the newly-wed women were counseled about contraception,
delayed pregnancy, reproductive health, etc. through 1,079 sessions (89.40%) out of targeted 1,207. Iron-Foliate supplementation at the
dose of two tablets per week was also served to them.
Use of iodized salt
In June 2006, salt specimens from 253,294 households were tested for Iodine with Testing Kit and 238,992 (94.35%) samples were found
to have iodine qualitatively.
Infant mortality
During the reporting period, a total of 20 children (11 male and 9 female) under 1 year were reported died out of a total of 1287 live births
(664 male and 623 female). 11 deaths occurred within 28 days of birth. Infant mortality rate is estimated to be 16 per 1000 live births
(male 17 and female 14) in 6 upazillas in June 2006. Major cause of mortality was identified as pneumonia (6 cases).
Maternal mortality
A total of 3 maternal deaths during pregnancy and within 42 days after delivery were recorded in 6 upazillas. Maternal mortality ratio thus
estimated to be 2.23 per 1000 live births. Two deaths occurred due to complications during pregnancy and within 42 days of delivery.
Pattern of delivery assistance
During the reporting period, Trained Birth Attendants (TBA) conducted delivery in 70% of the cases, whereas untrained birth attendants
(Traditional Dai) conducted delivery in 12.44% of the cases. Nurses and doctors conducted about 17.47% delivery cases.
Refresher training
About 97% CNPs and CNOs attended one-day long monthly refresher training.
Referrals
During the reporting period total 948 pregnant and lactating women were referred from CNCs to nearby Govt. and NGO health facilities.
Total 1,305 children were also referred to those health facilities for growth faltering, severe malnutrition and severe illness.
4.2.4 Household Food Security through Nutrition Gardening (HFSNG) and

Poultry for Nutrition (PFN)
Two very important sub-sectors of NNP, HFSNG and PFN have been closed since January 1 to August 31 2006. In fact, without HFSNG
and PFN, it is truly difficult to imagine a successful NNP in the long run. Considering this, BEES decided to continue HFSNG and PFN to a
certain tolerable limit within BEES's financial capabilities.
4.2.4.1 Household Food Security through Nutrition Gardening (HFSNG)
Since January 2006, distributing seeds as per need is being continued to the beneficiaries. Till then the interest for nutrition gardening
among the beneficiaries is gradually decreasing due to the stoppage of financial backup. Thus, numbers of nutrition gardens (NGs) are
decreasing every month in different CNCs. At the end of June 2006, this number has come to an average of 4 NGs per CNC from targeted
12 NGs per CNC. In 6 upazillas only 16% nurseries were maintained although their quality was falling in many places. However, nursery of
Sadarpur upazilla was maintained properly. In National Plantation Week 2006, NNP-BEES has won the first prize for nursery from Sadarpur.
4.2.4.2 Poultry for Nutrition (PFN)
Like HFSNG, since January 2006, BEES is trying to continue the momentum of PFN too. At the end of June 2006, only 8 hatcheries were
being maintained, where at the initial stage it was 12. Hatcheries in Muksudpur and Sadarpur areas were kept on its quality, but in other
areas quality was deteriorating.
BEES is expanding gradually its micro-finance program in NNP working areas and trying to help the nursery and hatchery owners by giving loans.
4.2.5 Sisimpur 123

BEES believes in creating and utilization of scopes of parallel development opportunities for its on
going projects' community people across the country. Thus, "Sisimpur 123" a pre-school education
program is being implemented in 300 centers parallel to its Social Assistance Program (SAP) in
Gaibandha Community Based Health Program (CBHP) in Bogra and NNP in Faridpur, Gopalgonj and
Madaripur districts. In NNP-BEES working areas 150 centers have been set up within CNCs
premises since May 2006. From them 150 CNPs were trained in 5 batches for Sisimpur 123. These
are being run by 150 CNPs of the respective CNCs. The class begins at 8:00 am and runs for 45
minutes with 30 students in each CNC. This program basically creates scope of early learning and
stimulation at the age of 4+ and <6 years old pre-school children and prepares them for school.
BCC on personal hygiene and nutrition have a special emphasis in this program.
4.3 HIV/AIDS prevention Program

4.3.1 Strengthen Capacity and Knowledge of the CBOs
on HIV/AIDS
In February 2005, BEES initiated a short term project for 5 months at Dhunot upazilla of Bogra
district on HIV/AIDS titled 'Strengthen Capacity and Knowledge of CBOs on HIV/AIDS'. It was
funded by UNICEF under assistance of HIV/AIDS Intervention Fund (HAIF) of World Bank ending
on June 2005. Further the project extended for another five months from Jan 2006 to May 2006.
The objective of this project was to strengthen capacity and knowledge of 10 CBOs on HIV/AIDS
in project intervention area.
During the extension period of the project, BEES implemented the activities according to the
approved work plan to achieve its goal. BEES employed 7 staff and communicated with previous
selected 10 CBOs, and discussed the activities of the extension period to be conducted in time.
20 potential group leaders and 10 community educators were selected from them, and refresher
training on advanced knowledge on HIV/AIDS was provided to them as well as to the project staff.
BEES procured and purchased required IEC/BCC materials like brochure, stickers, posters,
leaflets, flash cards and flip charts to conduct community and group meetings. During the project
period, 100 group meetings were organized covering almost 2,000 community people around the
project area to strengthen their knowledge on HIV/AIDS. BEES also arranged several video shows
on HIV/AIDS focusing the same beneficiaries for building their awareness. Two community
meetings were organized for disseminating knowledge on HIV/AIDS to the participants. UP
Chairmen, school teachers, local imams, community leaders, social workers, many elites and
guardians of adolescents attended the community meetings.
A street drama entitled "Bhalo Basi Manushke" and folk songs (jari gan) written and composed
by BEES on HIV/AIDS prevention and awareness staged at five different places. Around 700 to
1,000 spectators, mainly school children, adolescents, youth, couples, and distinguished
community people watched those shows in each event.
Field Trainers supervised the project activities frequently. Project Manager and Project
Coordinator visited the field activities as per monthly schedule to monitor and supervise for
achieving better performance. They always maintained liaison with other stakeholders related to
HIV/AIDS project and exchange information for better implementation.
BEES communicated with SMC (Surakkha project) and light house a HAPP NGO for procuring
different IEC/BCC materials. BEES communicated with different community leaders, UP chairmen,
local imams, school teachers, guardians, social workers, and community organizations as well as
other community people to organize community meetings and cultural events to share the
knowledge on HIV/AIDS.
4.3.2. Nutrition Surveillance Project (NSP)

Nutrition Surveillance Project (NSP) is one of the projects of Helen Keller International which is an
independent source for providing quality statistical information on nutrition and health, food security,
and household welfare of Bangladesh. It has been operating this activity since 1990 in collaboration
with Institute of Public Health Nutrition of the Ministry of Health and Family Welfare (MOHFW) and other partner NGOs. Bangladesh
government, NGOs, national and international donor agencies had a high level of confidence on its trustworthy information.
During July 2005 to June 2006 NSP collected information from children aged less than five years, their mothers and households
throughout rural Bangladesh, and in urban slums of six major cities. These data are collected every two months to capture seasonal
changes in nutrition and health status through data collectors of IPHN and partner NGOs.
Since the last 4 years BEES has been working to collect data for NSP like other partner NGOs of HKI. It is also performing its regular
activities of National Nutrition Program (NNP). BEES is implementing NSP at Dhupchachia upazila under Bogra district and Sreepur upazila
under Gazipur district by two teams. Another Dhaka divisional team is working under BEES, stationed at Sreepur.
Kalpanas family is free from

the nuisance of malnutrition
Kalpana Begum of age 24 is a resident of Mansurabad village. She is a beneficiary of 46th social
nutrition centre of Hamirdhi union under the Bhanga upazila of Faridpur district. (BEES) Bangladesh
Extension Education Services has been implementing National Nutrition Program since December
2003 in this area with the financial support of World Bank through Bangladesh government. She
has been involved with the nutrition program when she was only 18 years old. She participated
regularly as an adolescent in the awareness building discussion session regarding health, nutrition
and different social issues conducted by the Extension Worker of BEES known as Pusti Apa. In
those sessions, Pusti Apa discussed about taking iodine mixed salt, practicing sanitation and
hygiene, disadvantage of early marriage, nutritional status of different vegetables and fruits,
measurement of weight of baby, adolescent, pregnant and lactating mothers, breast milk feeding to
baby after born, feeding supplementary food to children from seventh month, importance of family
planning, motivation to produce different vegetables and to rear poultry etc. Once she told "not to
be old in twenty and not to get marry before twenty" in a dialogue. It shakes Kalpana's mind
strongly and she decided that she would not be consent her marriage before twenty years old.
Kalpana wedded at the age of 20 years 3 months to Md. Litu Matubbar of the same village. She
with her husband regularly attended the newly wedded couple discussion meeting arranged by
Pusti Apa of BEES. Kalpana said, "I have known from discussion meeting that it is not wise to be
pregnant before passing 2 years after marriage. In accordance with that we were passing our
conjugal life with enjoy. After 2 years 4 months of marriage I became pregnant. During pregnancy
I would go to nutrition centre regularly. According to the suggestion of Pusti Apa I would take rest
2 hours and sleep 8 hours in a day and go to nutrition centre for health care in every month. BEES
provided me necessary foods before delivery and took other antenatal care. As a result, I was not
facing any problem during delivery. My baby's birth weight was 3.5 kg. Up to six months I feed my
child only breast milk and after six months side by side of breast milk supplementary food was
given. The child has been growing naturally. In comparison to the other babies of the village my
child is very well and healthy. I am passing healthy life with my child and husband ".
Pusti Apa advised her to establish a kitchen garden for meet up her daily needs of vegetables and
to rear poultry for fulfilling the nutritional demand of the family. According to her suggestion and
technical support from BEES she established a vegetables garden. Selling vegetables from the
garden she was earning extra income after fulfilling her daily family needs.
Pusti Apa gave her 5 chicks of Nara variety through this program. With those she also reared 5
local varieties of chicks. After mitigating the family's nutritional demand she can sell eggs in the
market. She is earning a little amount of money by selling eggs which adds with the total family
income. Her family members are now free from the annoyance of malnutrition.
Now she is living with very much peaceful life due to the welfare of Pusti Apa and the nutrition
program. She desires the existence of this program for long time.
Exclusive Efforts
through Inclusive
Approach
5.0 Special Program
5.1 Social Assistance Program (SAP II)
BEES has been implementing Social Assistance Program (SAP), phase-II for the hard core poor and vulnerable group members in 190
drought and disaster pronged villages of Gaibandha Sadar, Sundarganj and Sadullapur upazilas under Gaibandha district since January 2005
as a Participating Organization with the financial assistance from IDA/World Bank and GOB in collaboration with Social Development
Foundation (SDF). SAP is a sub-component of Social Investment Program Project (SIPP) of Social Development Foundation.
The project has six major components:
i)
Social mobilization, human and leadership training;
ii)
Advocacy program on health, hygiene, clean water, sanitation, education, rights and good governance;
iii) Advocacy program on dowry and dowry related issues;

iv) Occupational skills development training and employment assistance;
iv) Legal aid services; and
v)
Assistance to tribal population.
Among those, advocacy program is a core component of the project for creating awareness. It disseminates human development
messages on social issues for increasing poor people's access to small social economic infrastructure and social assistance services.
5.1.1 Objectives
The overall objective of the project is to test and support alternative methods of service provision and financing for poverty reduction by
way of increasing poor people's access to small-scale social and economic infrastructure and social assistance services delivered by
private sector and NGO's with effective community participation.
5.1.2 Major Interventions and Achievements

During the reporting year, i.e., from July 2005 to June 2006 the following activities have been performed under the project.
A. Social mobilization
B.
Advocacy program
C.
Legal aid services
D.
Occupational skills training and employment assistance
E.
Human development training for project staff and beneficiaries
F.
Coordination and linkage
A. Social mobilization
Under the component of social mobilization 189 citizen watch groups were formed against the target of 190. One group could not be
formed due to the internal conflict among PMC and VDC of that village. As per target 190 change agents were also formed in time. Both
the citizen watch group and change agent were formed containing 60% from VDC and PMC members and 40% from other civil society like
teacher, religious leaders, social workers, UP members, etc.

145 parents-teachers associations were organized in the
project area. Those associations took initiatives to enroll
and control drop out school going children and ensure
quality education.
During the reporting period BEES conducted advocacy and
problem sharing sessions with the adolescent girls and
boys for the improvement of their physical and mental
health.
Due to internal conflict among PMC and VDC, one
sanitation committee could not be formed in one village;
total 189 among the target of 190 were formed. SAP
workers conducted the advocacy session on sanitation and
hygiene and other related issues for covering the 100%
sanitation in the project area. For better implementation of
the project BEES maintained liaison with different level of
stakeholders including the local to district level GOB
officials; conducted regular monitoring and supervision,
conducted meeting with VG, VDC, CA, CWG, UP and SC. A
total of 743 report cards among the target of 760 were
filled out by VDC. Remaining 17 could not be filled out due
to internal conflict.
Four types of report cards with 4 issues containing
information on UP, Primary education, health and agriculture
sectors were prepared for assessing good governance.
Taking the assistance of SAP field staff, those cards were
filled in by the community people regarding the activities of
aforesaid sectors.
B. Advocacy Program
Under the service package of advocacy program, BEES

performed several activities during July 2005 to June 2006
through SAP. BEES prepared cultural scripts and organized
751 village theatre, jatra and jarigan on family planning,
homestead gardening, safe drinking water, nutrition,
immunizations, installation of sanitary latrine, divorce, early
marriage, polygamy, education, dowry and dowry related
issues and some other relevant topics. Those cultural
programs were arranged to aware the community people.
During the reporting period BEES conducted 188 health
related advocacy sessions where the target was 190. It
also conducted advocacy sessions on hand washing, safe
water, sanitation, nutrition, family planning and
immunizations for improving the health status of the target
population. It conducted a day long TOT at Gaibandha on
adolescents' (girls) problems and solutions with adolescent
group leaders to create master trainers. Subsequently, they
trained adolescent group members. It also conducted the
advocacy sessions on peobertical problems and its solution
for adolescents in 187 batches.
BEES covered 190 villages for publicity on sanitation, safe
water, family planning, immunizations, and environment
through miking. A total of 1,646 immunization campaigns
were organized to cover target children under immunization
program. During the reporting period, 2,138 children were immunized in collaboration with local health staff of the government with the
objective to reduce the morbidity and mortality rate.
A total of 122 villages out of 190 were fully covered by 100% sanitation facility in 3 upazillas of Gaibandha district. BEES arranged rally and
observed sanitation day in 20 unions using colorful festoons, banners, and posters. BEES motivated 3,369 eligible couples out of 4,436 to
adopt family planning methods who did not use any method previously. BEES also conducted 188 advocacy sessions on environment and
145 sessions on education with its target groups, SMC, PTA, other school authority and UEO. According to the plan it was only for 190
and 4 respectively. Four education sessions were planned to conduct in the 4 regions. To make the program effective, BEES changed its
plan to organize sessions in all 145 schools, and consequently achievement was so high in compared to the target.
During the reporting year 27 types of IES materials were developed. Most of the IEC and BCC materials were distributed at the project
area to use those at different forums/meetings to promote BCC activities on SAP issues. BEES conducted 287 classes on different SAP
issues with the local primary and high schools. About 96% children were enrolled in local primary schools among all identified drop out
children, where the target was for 90%. After enrollment, BEES continued regular follow up monitoring in 190 villages especially on
students' performance, and percentage of attendance at class.
C. Legal Aid Services
Legal aid service is another component of SAP. Under this component BEES
accomplished several activities related to legal aid.
According to the plan BEES developed one training module on human rights and laws
for enhancing the participants' knowledge and skills to establish this in the society. Oneday training on human rights and laws was organized for 1,062 groups and local youth
in 188 villages of the project area. That training was also arranged for VDC and UP
members of 190 villages, 188 VDCs, 20 UPs and others of 188 villages attended that 3day long training session.
BEES developed a training module on alternative dispute resolution (ADR) and delivered
the training to 718 members of VDC against the target of 741 for enhancing their
knowledge and skills on ADR.
During the reporting period BEES identified 155 victims of different violence in the
project area for providing legal aid services through shalish and legal clinics. Among
those, 106 cases were identified for mitigation through legal clinics as the cases were
more complicated while 97 cases were mitigated successfully and 9 were referred to
BLAST for legal action through judicial procedure. Without that 49 victims were
identified for VDC to mitigate locally. Dowry, property, physical abuse, personal conflict,
financial exchange, threat, poultry and livestock, maintain basic needs (food, clothes,
and shelter), polygamy, marriage and crop damage were the major causes of violence.
BEES conducted 4 one-day long advocacy sessions on good governance issue with 188
VDCs, 20 UPs, 532 target groups and local youths in 188 villages of the project
intervention area. It also conducted the advocacy sessions with 155 change agents in
155 villages. Under the activity of SAP, BEES registered 1,811 infants who were borne
during July 2005 to June 2006. It also maintained the records on death, marriage and
marriage without dowry. During the above mentioned period 763 deaths, 1,411
marriages with dowry and 50 marriages without dowry were registered.
D. Occupational skills training and employment assistance

Under this component BEES performed several activities, such as training need
assessment, training module preparation, conduct orientation and training, seed money
distribution, conduct monthly meeting and follow up of the activities.
Through intensive survey BEES identified 7 types of occupational skills, i.e., different
types of IGAs, like livestock and poultry rearing, beef fattening, small business, tailoring,
rickshaw-van repairing, etc. Total 7,600 group members were identified for occupational
skill training. After identification concerned person of the program developed modules
on different IGAs, and a 3-day orientation session was arranged for 14 project staff to
enhance their knowledge and skills on individual IGAs. Those trained project staff, after
that, trained 7,581 group members according to target.
During the reporting period 4,397 graduate participants received the seed money.
Among the target of 190 meetings, 187 were conducted with business groups.
Remaining 3 could not be conducted due to internal conflict among the members of
VDC and PMC. During meeting they discussed on different SAP and social issues, like
health, sanitation, hygiene, immunizations, family planning, nutrition, education, dowry
related issues, rights and laws, good governance, etc. for increasing their social
awareness.
E. Human development training for staff training and

beneficiaries
During July 2005 to June 2006, one to three day long new or refresher trainings on
several issues were arranged for project staff and beneficiaries of the project. IEC
messages and materials, human rights and laws, good governance, alternative dispute
resolution, report card, advocacy, market survey for identification of occupational skills
and selection of participants and IGA related module preparation were the major topics of trainings. The target participants were different
for different topics. All project staff and a number of 8,177 beneficiaries were the participants of the training courses. It may be noted here
that 100% achievement was found in all of the courses
F. Coordination and linkage
BEES conducted 36 coordination meetings with project staff and 12 monthly coordination meetings with SDF, CNRS, CSO and other
stakeholders for coordination and establishing linkage during the reporting period. Through those coordination meetings, performance of
previous month's target was reviewed and current month's plan was discussed. For operating the project effectively and efficiently field as
well as social problems were also identified and discussed.
5.2 Women Rights and Gender Equality Program

Poverty alleviation and holistic development are two different dimensions of development but are inter-related. Now it is becoming clear,
day by day, to all concern that holistic development can not be attained without having interventions on poverty alleviation. In this regard,
being a development organization BEES belongs to the same philosophy strongly believes that whatever the development initiative may
be, women's participation has to be ensured sincerely in all respect to obtain optimum outputs from the interventions. At present, among
ongoing development programs Micro-finance is the key program under the banner of rural development program of BEES. It is a bit bitter
experience of BEES that contributing over 30 years in the development field and having more than 90% women program participants,
although BEES succeeded in some areas, yet to achieve significant changes in the economic status of women's life. Since inception, one
of the main objectives of micro-finance program is the establishment of gender equality through economic empowerment of women.
Realizing the situation BEES adopted few supplementary activities to attain desired objective of micro-finance program.
Moreover, it is highlighted and come out from several discussion meetings, revealed from impact studies and evaluation reports that
mostly women used as the weapon for receiving loan; although in some cases, women have been able to run small scale business but
failed to establish themselves as entrepreneurs because of many factors, such as non-cooperation of family members, negative
impression towards women, less access to information about marketing, less experience and confidence, gender stereotype role,
restriction in mobility, time constraint in concentration to business, physical and mantel torture by counterpart, etc.
Out of such experiences and considering field reality, for advancing women rights through addressing women's strategic interest and
challenges, BEES intended to carry out series of training programs to make people sensitive and responsive towards women rights.
Meanwhile, for executing the promotional activities BEES started negotiating with donors. However, if not then BEES will implement this
program by self-finance in the working areas in small scale and gradually remaining areas will be covered up on priority basis. Awareness
through training and advocacy sessions and sharing successful case studies would be the main implementation strategies of it. In this
regard, BEES intends to train up certain people on women issues, gender and development, gender based violence and discrimination,
gender and entrepreneurship, assertiveness (leadership) and voluntary basis they will role out it round the year as a routine work in the
field for beneficiaries. In case of participation, emphasis will be given equally to both male and female, which help to create a peaceful
coexistence at family and society level. BEES dreams of making the women empowered and change their unequal situation through this
intervention at family and society.
Support for being

Well-equipped to
Weave Progress and
Prosperity
6.0 Support Program
6.1 Training
Training refers to the acquisition of knowledge, skills, and competencies as a result of the teaching of vocational or practical skills and
knowledge that relates to specific useful skills.
Training and Development is the field concerned with workplace learning to improve performance. Such training can be generally
categorized as on-the-job or off-the-job. On-the-job describes training that is given in a normal working situation, using the actual tools,
equipments, documents or materials that they will use when fully trained. On-the-job training is usually most effective for vocational
works. To obtain better results through developing skills and knowledge of its employees, BEES has incorporated on-the-job training
activities as an integral part in its all programs.
BEES organizes training courses with due importance to the needs of its staff as well as its group members. After need assessment, BEES
develop and formulate need based training modules, curricula and other training materials and tools to conduct different types of training
courses. Training courses are planned, designed and arranged as per need and priority. During the training sessions, knowledge and skills
are transferred to the trainees sharing teaching and learning exercises in the classroom and practical field through participatory approach.
BEES, generally provides two types of training, which are human resources development training (HRD) and occupational skills
development (OSD) training. Through the human resource development, BEES tries to improve the knowledge and attitude of its group
members and practitioners, and through the occupational skill training, BEES tries to disseminate information and develop occupational
skills for employment and income generating activities.
6.1.1 Achievements
A total of 39,540 target beneficiaries received training against the annual target of 40,000 which indicates more than 98 % achievement
during the reporting period of July 2005-June 2006. Among the recipients, 70 % were female and 30% were male. A total of 988 training
courses were organized on different topics like human and leadership development, basic health and nutrition education, HIV/AIDS
prevention, livestock and poultry rearing, small scale trade, tailoring, rickshaw-van repairing, candle making, alternative dispute resolution,
good governance, human rights and laws, etc. for the target beneficiaries. Duration of each course was for 3 days in average. The courses
were conducted by BEES resource persons and also hiring outside trainers from different training institutes and government departments.
A total of 1,380 staff of different programs/projects of BEES received different types of trainings, where the target was 1,500. The
achievement was 92%.
A number of 485 Field Organizers (FOs), 48 Unit Managers (UMs) and 21 Area Managers (AMs) received the foundation training on microfinance program. The average duration of the course was about five days. On the other hand, 75 Unit Managers (UMs), 21 Area Managers
(AMs) and 5 Accountants received refresher trainings

on supervision and monitoring, record keeping and
report preparation, group formation, savings and
credit management, accounts management, problem
solving and overdue reducing techniques and
effective communication skills. Besides, 70 Unit
Managers (UMs) and 21 Area Managers (AMs)
received training on budget and business plan
preparation, office management and general
administration, personnel management, gender and
social awareness development. Under the education
program, 120 Facilitators and 4 Supervisors received
basic training on post literacy and family life
education and 30 Facilitators and one Supervisor
received refresher training on continuing education.
Under the health service activities of Seba Package,
15 newly recruited Paramedics received orientation
training on health services of BEES and 42
Paramedics received refresher training on health
services activities and program need assessment.
Under the social assistant program (SAP) 6 Core Staff, 12 Program Supervisors (PS), 62 Social Mobilizers (SM) received TOT on staff
orientation and PRA, human development and leadership training, advocacy on basic training, report cards, human rights and laws, good
governance and alternative dispute resoluation. They also got refresher training on the above topics as well as on gender and
development. Two Upazila Managers (UM) and 12 Program Supervisors (PS) also received orientation training on IGA module. Apart from
these, 50 SAP staff and local cultural artists received training on staging and performing strategy of popular theatre. 25 staff of HIV/AIDS
prevention project and local cultural artists received training on script development and staging popular theatre, 30 SAP staff and
adolescents also got training on adolescents' reproductive health and their problems, and 275 CNO/CNPs received training on interpersonal
communication.
6.1.2 Training center

establishment
At the moment, more than 2,250 employees of BEES are
working for several programs under the component of
health, education, agriculture and microfinance. To
implement the programs efficiently implementers need
to receive proper training. There is no training venue of
BEES yet, and it is too expensive to use others' venues
on rental basis. To minimize this expenditure to some
extent, BEES is going to select a house on lease for using
it for training purpose. It has been preliminary selected in
Gazipur district nearer to Dhaka. After approval by the
committee members it will be finalized soon.
6.2 Information and

Development
Communication
Information and Communication Technologies are the
effective tools to promote advanced and sustainable
human development. Communication is a dynamic
process which initiates actions and leads to results. At
the same time, information to be disseminated must
be correct and contain authentic messages and
happenings. An effective information flow can ensure
proper use of time, resources and create favorable
working environment.
Information and Development Communication (IDC) cell
of BEES is trying to promote and build necessary
infrastructure as to communications to provide access
to information and development. With a view to
ensuring social mobilization, lobbying, networking and
utilization of multi channel media through behavioral
change communication (BCC) and advocacy, IDC cell
has been performing comprehensively over the years.
IDC cell utilized the optimum efforts to transfer the
ideas, messages, skills, information to the target
beneficiaries and to enhance their knowledge, change
attitudes and practices by way of fruitful documentation
and dissemination activities.
As its regular activities IDC cell prepares operational
guidelines/manuals; publishes annual reports,
organizational brochure, month planner, quarterly
newsletter 'Mathcitra'; purchases and collects
magazines, reports, development related books,
promotional materials; prepares scripts and organizes
popular theatre/street theatre; conducts case studies; develops photo-bank; collaborates with mass-media; continues inter-agency
collaboration; prepares communication materials and other necessary printing materials.
6.2.1 Achievements
IDC cell published Annual Report 2004-2005 containing overall contribution of the organization through different
project/program/components during July 2004 to June 2005. This report focuses on targets versus achievements on the activities of
different projects/ programs implemented in the reference year according to respective plans.
As an advocacy and BCC material this cell published Desk Calendar 2006 which
contained month planner, exclusive messages and photos for highlighting its projects
and programs. The calendars were distributed to the national and international
agencies, UN bodies and other GO/NGO stakeholders.
IDC cell exclusively developed a huge number of messages highlighting the SAP
issues and has been promoting respective program implementation for developing
materials through organizing Messages and Materials Development Workshop held on
31 July 2005 in Gaibandha. In addition, this cell published Wall Calendar 2006
highlighting the program/project activities through colorful photographs. It prepared
Samajik Sahayata Advocacy Sahaika, an advocacy manual containing 14 Social
Assistance Program (SAP-II) issues. 13 posters on other different issues like child
labor, child education, safe sanitation, homestead gardening, awareness building
related to family planning and exclusive care for pregnant mother, and so on; Two
brochures entitled "Prevention of Early Marriage" and "Prevention of Dowry"; 2 flyers
on Nutrition Awareness and Adolescent Reproductive Health; 9 stickers on Remedies
of Night-blindness, Utilization of Safe Water, Supplementary Food for Pregnant
Mother, Health Awareness through Washing Hands, ANC through Vaccination and
General Health Care, Exclusive Breast Feedings, Arsenic Awareness and Safe Water
and Sanitation; an introductory booklet entitled "Finding Path to a Golden Tomorrow"
on BEES-MF programs and projects; exclusive New Year Greetings Card to be
distributed among different stakeholders including donors, networking-partner
organizations, staff, and so on. 1000 copies of Note Book etc. were developed and
published by IDC cell in the reporting year.
IDC cell prepared the scripts of popular theatre entitled Jatra Halo Shuru, Chai Surjer
Din, Jeno Bhule Na Jai, Bhalo Basi Manushke and Amra Sukhi Habo for Social
Assistance Program (SAP-II) and HIV/AIDS Prevention Program highlighting their
objectives and key issues to make the community people aware of health and
sanitation, nutrition, child education, women rights, good governance, gender
discrimination, HIV/AIDS prevention etc. The cell organized more than 700 shows of
popular theatre/street theatre on the said issues at field level under the activities of
behavioral change communication (BCC), interpersonal communication (IPC) as well as
advocacy to integrate community mobilization as a whole. Simultaneously, a good
number of training-workshops on performing street theatre/popular theatre,
interpersonal communication, adolescent reproductive health awareness and so on
were arranged and conducted by this cell for the sake of smooth implementation of
respective program/project. IDC cell made video documentation on Jatra-Jarigan as
well as popular theatre which performed at the field level. IDC cell also initiated to
make a video documentation on BEES-IGA to be broadcast by BTV and presented as a
promotional activity and to make documentation on BEES activities and achievements
through photography during the reporting period.
6.3 Research, Evaluation and

Monitoring
Research, Evaluation and Monitoring (REM) cell is such type of support cell which
assists different program and project of the organization to perform their activities
efficiently to reach the goal. From this view BEES always shows its cordial sincerity to
the activities of REM cell. This cell commenced on 1997 and was involved in poverty
alleviation, socio-economic development, agriculture, nutrition, health, population, education, environment, gender and related fields. This
cell conducts research/study on socio-economic and demographic aspects, baseline survey on different issues, ongoing monitoring, impact
assessment and evaluation of various development programs/projects, prepares annual progress activity report, organizational work plan,
and conducts case-study, etc.
6.3.1 Achievements
REM cell of BEES performed the following activities during the reference year:
Prepared annual progress report of 2004-2005
Developed questionnaires and formats, and design data collection procedure to conduct impact assessment study on Financial
Services for the Poorest (FSP) and Pre-primary education program of BEES.
Improved and modified different existing forms and formats to collect qualitative and quantitative data and information on the
performed activities of BEES during the respective year for incorporating in the annual progress report.
Conducted field visits to observe the regular activities of different implementing programs of BEES.
Developed questionnaires to collect qualitative and quantitative data and information from the field level to write case studies for
incorporating in the annual progress report
Collected data and information on successful beneficiaries of the organization by using developed questionnaires.
During the reporting period REM personnel visited Madhobpur area under Hobigonj district and Gaibandha sadar and Gobindagonj area
under Gaibandha district. Here they got chance to visit Micro Finance and SAP programs of BEES. They observed the field activities of the
Financial Services for the Poorest (FSP) program funded by PKSF and Social Assistance Program (SAP) under Social Investment Program
Project (SIPP) funded by SDF. They also got chance to meet 12 direct beneficiaries, 2 drop-out association members, 2 local elite persons
(one primary school teacher and another Union Parishad member) of FSP program intervention area, and also had chance to discuss with
association members during focus group discussions in 3 places by using developed questionnaires. They met 35 pre-primary school
children, 8 guardians of those children, 1 ex pre-primary school teacher of BEES, and 1 teacher of Ananda School who has been operating
its schooling now with BEES' pre-primary school children who have admitted in that school after completion of their pre-primary education.
They also got the chance to attend the advocacy program and VDC session of SAP, and met 4 beneficiaries of SAP program.
REM cell shared its findings with different stakeholders like internal management, donors, field staffs and policy makers as they can
contribute more towards achieving the goal. Research findings were disseminated through different documents like annual report,
inception reports, impact assessment report, case studies, different survey reports, evaluation report, etc.
Being Associated
with Sustainable
Development
7.0 General Observation
7.1 Annual Planning Meeting
To operate all of the activities smoothly and on a timely manner BEES used to arrange Annual Planning Meeting once a year. In 2006, BEES
arranged planning meeting from 29 May to 1 June for Microfinance and from 2 June to 3 June for development programs in Cox's Bazar.
Without the Annual Planning Meeting, BEES also organized review planning meeting in mid of the year to find out the progress and review
the plan for the remaining period of the year.
7.2 Impact study survey on FSP
BEES has been implementing the Financial Services for the Poorest (FSP) project since July 2002 taking financial assistance from World
Bank through Palli Karma Shahayak Foundation (PKSF) in Madhobpur upazila under Hobigonj district. It has been implementing for
upgrading the living status of the target beneficiaries through ensuring micro-credit and technical supports to operate the specific IGAs.
Since the project activities is being operated for more than 4 years, BEES conducted a study to see the impact of the project as it can
utilize its findings in the similar type of upcoming projects.
7.3 Integrated Pilot Program
In the last year BEES planned to initiate a pilot program integrated with health, education, agriculture and forestry, and livestock to improve
the livelihood status of rural poor. In the meantime, BEES was searching for interested donors to implement the program and contacted
World University Service of Canada (WUSC). WUSC showed their interest for providing fund and advised to submit a project pro-forma. In
accordance with the expectation of donor as well as BEES, a concept paper titled "Integrated Social Development Project (ISDP)" was
being prepared during the reporting year.
The proposed working area would be 28 districts of Bangladesh where BEES has been implementing its other projects/program. Health,
education, community awareness services issues like gender equity and rights, water and sanitation, nutrition, dowry, and early marriage
would be incorporated in concept paper for sustainable development of the target community people. BEES hopes to start implementation
of this program soon after getting fund from WUSC
7.4 BEES's membership with different forums
BEES is a member of ADAB, CAMPE, VHSS, CDF, NGO-forum, CUP, and CEN. BEES has been recognized as PVDO/NGO directories
published by ADAB, CIRDAP, DAM, PACT/PRIP, PKSF and VHSS respectively.
7.5 Fund sources of BEES

a. Donors of BEES in Current Programs/Projects
Name of programs/ projects
Credit Programs:
a) Rural Credit
b) Micro Enterprise
Source of Fund
Duration
a) PKSF
b) RAKUB
c) Sonali Bank
d) Agrani Bank
e) BEES own fund
1999 -continuing
IFAD & DAE
1999 -continuing
IFAD & DAE
May 2001- continuing
Education Projects:
a) Non-formal Education
b) Adult Education
DNFE
WUSC-CIDA, BEES own fund
1999 -continuing
1999 -continuing
1999 -continuing
Special Program:
a) Housing Project
b) UPDP
c) Social Assistance Program (SAP)
Bangladesh Bank
BEES own fund
World Bank through Bangladesh Government
1999 -continuing
1999 -continuing
Jan 2005 - continuing
Health Projects:
a) Community Based Health Program
b) Expanded Health & Education Program
c) Community Based Nutrition Pilot Project
d) National Nutrition Program (NNP)
BPHC-DFID
WUSC-CIDA
WUSC-CIDA & BEES own fund
World Bank through Bangladesh Government
1996 - continuing
1999 - continuing
2001- continuing
Nov 2003- continuing
Agriculture Projects:
a) Agricultural Diversification & Intensification
Project (ADIP)
b) Smallholder Agricultural Improvement Project
(SAIP)
1999 -continuing
Starting from March 2001
Agreement signed and fund request made
b. Donors of BEES in phase out Programs/Projects

Name of programs/ projects
a) Bogra Rural Development Program (BRDP)
Source of Fund
CRWRC, CIDA, USAID
CIDA
Netherlands Govt.
Duration
1975 - 1985
1986-1991
1992-98
b) Housing and Cattle Rehabilitation Program
World Relief Canada
1991-93
c) BRDP- Health Program
ODA
1992-95
d) IFADEP Project for Development of Women Under the VGD Program
EC & GOB
1997-98
e) Child Labor Education Program/ Action program No. P09091359163
ILO-IPEC
June1996 to May 2000
f)
ODA & GOB
1995-1998
g) Crop Diversification Project
Agricultural Support Service Project (ASSP)
Netherlands Govt. & DAE
1994-96
h) Credit program/ Implementing
BASIC Bank
1996-97
i)
Credit program/ Implementing.
Agrani Bank
1996-98
j)
Adarsha Gram Project/ Implementing
Bangladesh Govt.
1996-97
7.6 BEES's Partnership / Networking / Linkage with

other NGOs
SL. No.
Name of Partner Organizations of BEES
Area of Relationship
Type of Relationship
Bangladesh Development Service Centre (BDSC)
Education
Linkage
Daridra Nibaron Kendra (DNK)
Education
Linkage
Commitment for Advanced Learning Society (CALS)
Education
Linkage
Dustha Mohila Punarbashon Kendra (DMPK)
Education
Linkage
Mothers Development Society (MDS)
Education
Linkage
Samannita Unnayan Sheba Sangathan
Education
Linkage
Aristocrat Society
Education
Linkage
Local Initiative for Development (LIFD)
Education
Linkage
Women Development Organization (WDO)
Education
Linkage
10
Niomita Ganoshaba Sangathan (NIGOSES)
Education
Linkage
11
Community Development Program (CDP)
SAP II
Associate Partner
12
UDDYOG
SAP II
Associate Partner
Stepping Stone to
Brightening Futures
8.0 Future Direction
8.1 Rehabilitation of Non-Motorized Transport Pullers
and Poor Owners Project
The Government of Bangladesh restricted on running the non-motorized transports (NMT) including rickshaws from Gabtoli to Russell
Square section of Mirpur road since December 2002. That restriction was for reducing the unbearable traffic jam from Dhaka city. Later on
that restriction was implemented from Russel Square to Azimpur section of the same road. Dhaka Transport Coordination Board (DTCB)
conducted a survey to assess the impact of the implementation of such restriction policy on rickshaw pullers and poor rickshaw owners
having only two rickshaws. Survey report indicated that about 37,000 non-motorized transports pullers and owners became affected
severely and lost their earning sources. For rehabilitation of those affected people Palli Karma Sahayak Foundation (PKSF) has initiated a
project titled "Rehabilitation of Non-Motorized Transport Pullers and Poor Owners" with the financial assistance of World Bank covering
40,500 beneficiaries for the period of two years from January 2007 to December 2008.
The main goal of the project is to restore livelihood of affected people, at least the previous levels and achieve sustainable benefits. The
objectives of the project are:
Provide need-based sustainable micro credit services to improve the livelihoods of the target groups through alternative
employment/income generating activities except pulling rickshaw/non-motorized transport in the Dhaka city.
Afford to create employment and entrepreneur through skill improvement and trade development training.
Try to build up the target group's awareness on health and social issues like HIV/AIDS, drug abuse, etc.
Develop the competency and improve the livelihood of the target people.
The project objectives will be achieved through the financing in the following major components:
Microfinance Services ( Revolving Fund)
Capacity Building
Project Coordination and Management
The total project cost will be US$ 17.25 million of which US$ 12.03 will be used for micro credit and US$ 4.74 million for borrower's
capacity building and about US$ 0.48 million for project coordination and management. PKSF will implement the project by selected 15
Partner Organizations (POs). Forty two places of Dhaka city have been identified for implementation of the project. BEES, as a selected PO,
conducted a survey covering 71 floating rickshaw pullers of Mirpur, Mohkhali and Gulshan areas to collect different information about them
for studying feasibility of the project in its own interest. In the meantime, a workshop was held presenting different aspects of the
proposed project in the PKSF Bhaban. BEES hopes that PKSF will start to implement the project in time.
8.2 Resource Mobilization

Organizational sustainability is the major goal of BEES. A sustainable organization needs skilled manpower and adequate financial
resources. To be a sustainable organization BEES has been trying for that.
A group of skilled and dedicated staff has been working for BEES for several years. During the reporting period it had 2365 staff, working in
several projects/programs related to microfinance, health, education and agriculture.
More than 97% staffs were assigned for field, and remaining was assigned for head office. BEES always tries to recruit the dynamic
person with strong educational background as well as strong practical experience who can contribute more for the organization.
To develop skill and enhance knowledge of newly recruited staffs and existing staffs BEES arrange training for them. During July 2005 to
June 2006 BEES organized training for 1,380 staffs related to the respective project/program activities.
To enhance the financial resources, BEES takes several strategies. During the reporting year BEES continued its credit plus services. It took
service charge, collected savings from individual member under the microfinance program. It maintained regular communication with
several donor agencies to get fund for development activities. During the reporting year BEES received fund from GOB, PKSF, SDF, World
Bank and IFAD.
Acronyms
ABCN
ADAB
ADR
AIDS
AM
ANC
ARI
ASSP
BASIC
BBS
BCC
BEES
BKB
BLAST
BMI
BPHC
BRDB
BRAC
BTV
CA
CAMPE
CAR
CBHP
CBO
CDD
CDF
CEN
CIDA
CIRDAP
CNC
CNO
CNP
CNRS
CNS
CRWRC
CSO
CUP
CWG
DAE
DAM
DFID
DNFE
EC
EPI
ERP
ESP
FO
FS
FSP
GOB
GMP
HFSNG
HIV
HKI
HRD
HSA
IDC
IEC
IFAD
IGA
ILO
IPC
Area Based Community Nutrition

Association of Development Agencies in Bangladesh
Alternative Dispute Resolution
Acquired Immune Deficiency Syndrome
Area Manager
Antenatal Care
Acute Respiratory Infection
Agricultural Support Service Project
Bank of Small Industries & Commerce
Bangladesh Bureau of Statistics
Behavioral Change and Communication
Bangladesh Extension Education Services
Bangladesh Krishi Bank
Bangladesh Legal Aid and Services Trust
Body Mass Index
Bangladesh Population and Health Consortium
Bogra Rural Development Program
Bangladesh Rural Advancement Committee
Bangladesh Television
Change Agent
Campaign for Popular Education
Contraceptive Acceptance Rate
Community Based Health Program
Community Based Organization
Control of Diarrhoeal Disease
Credit and Development Forum
Coalition of Environmental NGOs of Bangladesh
Canadian International Development Agency
Centre for Integrated Rural Development for Asia and the Pacific
Community Nutrition Centre
Community Nutrition Organizer
Community Nutrition Promoter
Centre for Natural Resource Services
Child Nutrition Survey
Christian Reformed World Relief Committee
Community Support Organizer
Coalition for the Urban Poor
Citizen Watch Group
Department of Agricultural Extension
Dhaka Ahsania Mission
Department for International Development
Directorate of Non-formal Education
European Commission
Expanded Program for Immunization
Education Resource Provider
Education Service Provider
Field Organizer
Field Supervisor
Financial Services for the Poorest
Government of Bangladesh
Growth Monitoring and Promotion
Household Food Security through Nutrition Gardening
Human Immune Deficiency Virus
Helen Keller International
Human Resource Development
Health Service Activities
Information and Development Communication
Information, Education and Communication
International Fund for Agricultural Development
Income Generating Activities
International Labour Organization
Inter Personal Communication
IPEC
IUD
MBBS
MCH-FP
ME
MFMSF
MFTS
MOHFW
NEARS
NFP
NFPE
NGO
NID
NNP
NSP
ODA
OSD
PACT
PAP
PEN
PKSF
PLCEHD
PMC
PNC
PS
PTA
PVDO
RAKUB
RDP
REM
RMC
ROSC
RTI
SAIP
SAP
SC
SDF
SIPP
SM
SMC
SRLP
STD
TBA
TOT
TT
TTBA
UEO
UM
UNICEF
UP
UP
UPDP
URC
USAID
UZ
Vac
VDC
VG
VHSS
WUSC
The International Programme on the Elimination of Child Labour

Intra Uterine Device
Bachelor of Medicine and Bachelor of Surgery
Maternal and Child Health- Family Planning
Micro Enterprise
Micro Finance for Marginal and Small Farmers
Micro Finance and Technical Support
Ministry of Health and Family Welfare
Network for Ensuring Adolescent Reproductive Right and Services
Non-formal Education
Non-formal Primary Education
Non-Government Organization
National Immunization Day
National Nutrition Programme
Nutrition Surveillance Project
Official Development Assistance
Occupational Skills Development
Private Agencies Collaborating Together
Poverty Alleviation Program
Poultry for Nutrition
Palli Karma Sahayak Foundation
Post Literacy and Continuing Education for Human Development
Project Management Committee
Postnatal Care
Program Supervisor
Parent Teacher Association
The Private Voluntary Development Organization
Rajshahi Krishi Unnayan Bank
Rural Development Program
Research, Evaluation and Monitoring
Rural Micro Credit
Reaching Out of School Children
Reproductive Tract Infection
Smallholder Agricultural Improvement Project
Social Assistance Program
Sanitation Committee
Social Development Foundation
Social Investment Program Project
Social Mobilizer
School Management Committee
Socio-economic Rehabilitation Loan Project
Sexually Transmitted Disease
Trained Birth Attendant
Training of Trainer
Tetanus Toxoid
Trained Traditional Birth Attendant
Upazila Education Officer
Unit Manager
United Nations Childrens Fund
Ultra Poor
Union Parishad
Urban Poor Development Program
Urban Micro Credit
United States Agency for International Development
Upazilla
Vaccine
Village Development Committee
Vulnerable Group
Voluntary Health Services Society
World University Services of Canada
BEES (Bangladesh Extension Education Services)

Consolidated Blance Sheet of Revolving Loan Fund
As at June 30, 2006
Notes
Non PKSF Taka
PKSF Taka
A.Qasem & Co.

Chartered Accountants
June 30, 2006

Taka
June 30, 2005

Taka
Fund and Liabilities

Source of fund
Revolving Loan Fund
Current Liabilities :
Loan from PKSF Fund
SAIP-RCF
Bangladesh Bank
ADIP
ADIP Sonali(SAIP)-RCLF
Pubali Bank
Provident Fund (PF)
Individual
Gratuity Fund
BRAC Bank
Group Members' saving Fund
Special Saving Fund
Staff Security (One month salary)
Staff Security -02 (BEES)
Payable of PF
Accounts Payable / Provision
Different Individual (Short term Lone)
Disaster Management Fund (DMF)
Loan Loss Provision (LLP)
Loan from PKSF
Interest on Individual Loan
Loan from G.F (MFTS, MFMSF, FSP, RMC)
Loan from BSRF
Compensation Money (Accidental)
Grand Total
23,614,852
51,399,613
75,014,465
79,743,273
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
4,286,600
906,015
11,159,905
5,445,208
7,084,564
15,109,679
9,958,678
337,050
9,826,000
29,401,625
3,291,104
1,074,370
534,807
255,079
210,858
30,442
603,428
31,072,206
96,000
5,000
154,303,470
191,122,300
78,900,354
9,120,235
915,015
777,909
178
799,581
736,244
4,926,254
97,287
338,794,970
191,122,300
4,286,600
906,015
11,159,905
5,445,208
7,084,564
15,109,679
9,958,678
337,050
9,826,000
108,301,979
12,411,339
1,989,385
1,312,716
255,257
1,010,439
766,686
5,529,682
31,072,206
97,287
96,000
5,000
493,098,440
71,359,505
3,658,300
1,510,026
11,159,905
3,865,000
5,000,000
16,956,300
2,908,678
1,612,019
65,316,682
12,565,474
1,608,169
1,239,067
316,407
139,855
155,750
411,371
3,851,554
3,708,458
63,000
166,000
287,314,793
A.Qasem & Co.

Notes
Non PKSF
Taka
PKSF
Taka
June 30, 2006

Taka
June 30, 2005

Taka
Employment of fund
Fixed Asset : (Less Accumulated Depreciation)
Current Assets:
Loan Outstanding
Advance:
Office Rent
Salary (Staff)
Motor Cycle
Bi- Cycle
Others Advance
Receivable from General Fund
Receivable from GF- Interest
Interest Receivable on FDR
Receivable from - SPA
Receivable from Individual (World Bank)
Receivable from Non-PKSF (RLF)
Receivable Reimbursement from PKSF
Loan Loss Provision Investment (LLPI)
Disaster Management Fund Investment (DMFI)
Loan to NNP (HFSNG)
Accounts Receivable from Others
Investment in FDR
Cash in Transit
Cash in Hand
Cash at Bank
Grand Total
26
5,746,443
2,985,742
8,732,185
6,474,666
27
102,840,848
257,898,553
196,872,631
28
29
30
31
32
33
34
35
918,450
199,428
550,465
45,575
150,000
26,263,999
8,240,350
400,000
31,000
10,144
23,980
509,481
-
96,000
88,678
1,459,482
111,685
2,201,627
31,072,206
392,369
1,680,940
640,448
896,652
18,386,000
1,400,000
1,185,591
18,298,997
338,794,970
360,739,401
1,014,450
288,106
2,009,947
157,260
150,000
26,263,999
8,240,350
2,201,627
400,000
31,000
31,072,206
392,369
1,691,084
664,428
1,406,133
18,386,000
1,400,000
1,392,712
26,465,183
493,098,440
36
37
38
39
40
41
42
43
44
207,121
8,166,186
154,303,470
Annexed notes from an integral part of the financial statements.
Finance Controller
BEES
Executive Director
BEES
Signed in terms of our separate

Report of even date annexed.
Dated: June 06, 2007
(A. Qasem & Co.)

162,500
174,444
90,310
35,500,943
1,356,718
8,802,761
2,820,959
380,782
536,672
932,692
10,786,000
1,131,291
21,291,424
287,314,793
A..Qasem & Co.


Revolving Loan Fund
Income and Expenditure Account
For the year ended June 30, 2006
Notes
June 30, 2006

Taka
June 30, 2005

Taka
Income
Service Charge
Reimbursement from PKSF
Bank Investment
Miscellaneous Income (House rent, Training, fine, SAIP,GDF)
Sales of Form & pass book
Admission Fee
FDR Interest
Investment Interest (DMRI)
Investment Interest (DMFI)
Interest Income - General fund
Members' Contribution
BEES Contribution
Advance Motor cycle interest
Interest income (Unit Office)
Acquisition Profit (11 Unit)
Total Income
45
46
49,311,012
2,080,172
72,171
2,237,447
1,019,973
602,820
844,909
54,066
17,518
3,940,350
55,048
217,372
2,840
250,132
839,290
61,545,120
44,355,856
3,038,636
62,248
2,670,759
938,205
368,370
531,422
78,820
736
52,045,052
A.Qasem & Co.

Notes
June 30, 2006

Taka
June 30, 2005

Taka
Expenditure
Service Charge Paid to PKSF
Service Charge Paid to Non PKSF
Salary & Benefit
Printing & Stationery
Office Rent
Training
Travelling, Conveyance & Allowance
Telephone Bill
Fuel
Electricity Bill
Loan Loss Expenses (DMRE)
Disaster Management Fund Expenditure (DMFE)
Entertainment
Interest on Saving
Bank Charge & Commission
Depreciation
Insurance Premium
Interest on Individual Loan
PF. Contribution
Gratuity Contribution
Audit Fee
Contribution to FSP
Bad Debts
Interest on PF
Constancy Fees
Interest on Gratuity
3,313,354
817,443
28,665,133
3,000,756
3,286,615
984,856
2,030,250
532,875
1,172,873
573,480
2,465,856
369,435
372,242
4,823,942
501,103
542,184
241,027
497,252
487,207
856,066
70,000
123,800
590,484
1,215,721
156,000
9,692
3,388,735
1,001,473
20,718,907
1,705,371
2,567,930
2,486,193
1,538,559
525,468
764,284
561,848
2,808,068
143,571
234,985
3,881,869
252,331
202,316
668,623
252,000
742,383
1,227,277
70,000
1,364,300
141,100
119,409
3,644,424
2,686,577
61,344,070
201,050
61,545,120
50,053,577
1,991,475
52,045,052
Miscellaneous Expenditure (Repair & Maintenance, Meeting, Honorarium,

Advertisement, Water bill, Contribution, Registration fee)
Total Expenditure
Add: Excess of income over expenditure
Grand Total
Annexed notes from an integral part of the financial statements.
Executive Director
BEES
------------------------------------Dated: June 06, 2007
Finance Controller
BEES
Report of even date annexed.
A. Qasem & Co
A.Qasem & Co.


GENERAL FUND
BALANCE SHEET AS AT JUNE 30, 2006
Note
June30, 2006
Taka
June30, 2005
Taka
SOURCES OF FUND
GENERAL FUND
VEHICLE FUND
BORROWING FROM VEHICLE FUND
CURRENT LIABILITIES
For Others
For Expenses
Payable to RLF
2
3
(36,530,220)
1,612,900
1,022,337
(36,534,562)
1,612,900
1,022,337
4
5
6
11,306,207
101,440
26,263,999
37,671,646
3,776,663
1,311,857
349,038
35,500,943
37,161,838
3,262,513
APPLICATION OF FUND
FIXED ASSETS
(At cost less accumulated depreciation)
CURRENT ASSETS
Debtors
Advances
Loan to PLCEHD-1 project
Loan to Various Projects
Receivables
1,242,347
1,425,944
8
9
10
11
12
60,012
100,000
1,371,120
6,000
1,537,132
68,452
151,316
994,910
134,071
1,348,749
CASH & BANK BALANCES

Cash in Hand
Cash at bank
13
14
997,184
997,184
2,534,316
3,776,663
31,535
456,285
487,820
1,836,569
3,262,513
TOTAL CURRENT ASSETS
Annexed notes form an integral part of Financial Statements
EXECUTIVE DIRECTOR
BEES
CONTROLLER OF FINANCE & ACCOUNTS

BEES
Report of even date annexed
A. Qasem & Co.

A.Qasem & Co.


GENERAL FUND
INCOME AND EXPENDITURE ACCOUNT
FOR THE YEAR ENDED JUNE 30, 2006
NOTES
A. INCOME
Miscellaneous Income
Management cost
Surplus from various Projects
B. EXPENDITURE
Salaries and benefits
P.F. Contribution
Gratuity Contribution
Travelling, Conveyance & Allowance
Office Supplies
Utilities
Postage, Telephone & Fax
Telephone & Mobile Expenses
Repairs & Maintenance
Running of Vehicles
Bank Charges
Audit Fees
Miscellaneous Expenses
Vehicle Maintenance
Casual Labour
Contribution to SAP
Depreciation
Tolls and Car Parking
Hotel Rent
Staff Training Expenses
Loss on Discard of Fixed Assets
Contribution to Various Projects
Contribution to PFN
Contribution to HFSNG
Membership Fees
Bad Debts
Interest on Loan
SURPLUS/(DEFICIT): (A-BB)
JUNE30,2006
Taka
15
16
17
18
19
20
21
22
23
93,803
5,349,276
5,959,989
11,403,068
93,344
3,821,256
5,678,879
9,593,479
642,993
20,340
35,798
4,383
6,539
3,300
13,720
50,000
6,372
6,758
182,083
1,514
403,412
318,388
390183
11,000
68,452
3,940,350
6,105,585
5,297,483
2,395,046
63,598
148,720
92,515
104,172
820
3,725
17,531
5,578
10,996
5,660
110,000
19,286
44,956
4,576
233,623
215,438
3,856
1,405
371,295
-
Annexed notes form an integral part of Financial Statements

CONTROLLER OF FINANCE & ACCOUNTS
BEES
EXECUTIVE DIRECTOR
BEES

Report of even date annexed

A. Qasem & Co.
JUNE 30,2005
Taka
3,852,796
5,740,683

BEES Annual Report 2005-2006

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BEES Annual Report 2005-2006

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We Mourn

Late Md. Fazlul Bari

Md. Mahfuzar Rahman son of Md. Azimuddin Ahmed of Bogra district

Late Md. Mahfuzar Rahaman

BEES Report 05 -06 7

Saiful Islam Robin

8 BEES Report 05 -06

BEES Report 05 -06 9

10 BEES Report 05 -06

BEES Report 05 -06 11

12 BEES Report 05 -06

1.0 Organization Profile

14 BEES Report 05 -06

BEES Report 05 -06 15

1.2 Programs of BEES

B. Health, MCH-FP and

National Nutrition Program

16 BEES Report 05 -06

1.3 Program Approach

BEES gives emphasis on Building and Strengthening

A. Rural Development Programs

Agriculture & Social Forestry

BEES provides its development services to rural and urban

During the period of July 2005 to June 2006 BEES worked

Poultry & Livestock

BEES Report 05 -06 17

1.4 Organizational Structure 2005-2006

Translating the Vicious

2.1 Micro-Finance Program

20 BEES Report 05 -06

Landless, with special emphasis on women;

2.1.1 Rural Micro-Credit (RMC)

2.1.2 Urban Micro-Credit (UMC)

2.1.3 Micro-Enterprise (ME)

2.1.4 Ultra Poor (UP)

BEES Report 05 -06 21

2.1.5 Socio-Economic Rehabilitation Loan Project (SRLP)

2.1.6 Financial Services for the Poorest (FSP) Project

2.1.7 Micro-finance and Technical Support (MFTS)

Outstanding money (Tk in lakh)

Loan distribution (Tk in lakh)

Savings recovery (Tk in lakh)

Training in general livestock

Training in special livestock

22 BEES Report 05 -06

2.1.8 Micro-finance for Marginal and Small Farmers (MFMSF) Project

Amount of Taka (in lakh)

Amount of Taka (in percent)

Improvement of livestock resources

Trading on agricultural input

Trading on agricultural market

2.2 Services under Micro-finance Program

Key Features of Loans

BEES Report 05 -06 23

General and Reproductive Health Services

24 BEES Report 05 -06

At present the paramedics of Sheba Package are providing following services:

Input Delivery Services

Through the Sheba package BEES distributed seed,

2.3 Achievements of Micro-finance Program

BEES Report 05 -06 25

Table: Component-wise loan disbursement, number of members, outstanding

Total Member(in number)

Respective field workers of BEES organize meeting once in a week