1st AR PM NZ January-December 2013

Empowerment and Livelihood Improvement
Nuton Jibon Project

IDA Credit No. 4757-BD

Process monitoring of Nuton Jibon Project
Contract Package No. S 15.00(ENJ)

Annual Report
(January-December 2013)
Of
Process Monitoring
Northern Zone

Submitted by

Center for Natural Resource Studies
House # 13 (Floor 4 & 5)
Road # 17, Block D
Banani, Dhaka 1213
Bangladesh
Telephone: +(880 2) 9886514
Fax: +(880 2) 9880928
Email: info@cnrs.org.bd
web: www.cnrs.org.bd

In association with

MAXWELL STAMP LTD
House no. 333
Road No. 113
Gulshan Dhaka 1212
Bangladesh
Telephone: +(880 2) 9889139
Fax: +(880 2) 8834384
Email: maxwellstampbd@agni.com
January, 2013

Social Development Foundation
Z House, 6/6, Lalmatia, Block # F, Dhaka-1207, Bangladesh
Draft
Nuton Jibon Process Monitoring, Northern Zone
Annual Report (January-December 2013)

CNRS-Maxwell Association
i
Table of Contents

GLOSSARY AND ACRONYMS .................................................................................................................. III
EXECUTIVE SUMMARY .................................................................................................................................. 5
1. INTRODUCTION ..................................................................................................................................... 6
2. IMPORTANT TASKS ACCOMPLISHED SINCE COMMENCEMENT............................................. 6
2.1 PREPARATORY ACTIVITIES .......................................................................................................................... 7
2. 2 DELIVERABLES ............................................................................................................................................ 7
2.3 OTHER ACTIVITIES PERFORMED.................................................................................................................. 7
3. ANALYSIS OF PROCESS MONITORING FINDINGS ......................................................................... 8
3.1 DISTRIBUTION OF ISSUES BY PROCESS MONITORING INDICATOR: ............................................................... 8
3.2 ANALYSIS OF ISSUES BY COVERAGE OF VILLAGES: ...................................................................................... 8
3.3 ANALYSIS OF ISSUES BY MANAGEMENT BODIES: ......................................................................................... 9
4. COVERAGE OF SAMPLE VILLAGES ................................................................................................. 9
4.1 OVERALL SCENARIO OF COVERAGE VILLAGES: .......................................................................................... 9
4.2 COVERAGE OF SAMPLE VILLAGES IN JAMALPUR REGION: ....................................................................... 10
4.3 COVERAGE OF SAMPLE VILLAGES IN RANGPUR REGION: ........................................................................ 11
5. ISSUES GENERATED, FOLLOW UP AND ACTION STATUS ......................................................... 12
5.1 OVERALL FOLLOW UP AND ACTION STATUS: ............................................................................................ 12
5.2 FOLLOW UP AND ACTION STATUS OF JAMALPUR REGION: ..................................................................... 13
5.3 FOLLOW UP AND ACTION STATUS OF RANGPUR REGION: ...................................................................... 14
6. FIXED VILLAGES: FINDINGS AND TRENDS ..................................................................................... 15
6.1 INTRODUCTION (BRIEF PROFILE) .............................................................................................................. 15
6.2 TRENDS OF FINDINGS ................................................................................................................................. 16
6.3 ANALYSIS ON OTR OF SWABOLOMBI RIN (SR), JAMALPUR REGION ....................................................... 16
6.3.1 Overall OTR scenario of Jamalpur Region ........................................................................................ 16
6.3.2 OTR analysis by villages of Jamalpur Region .................................................................................... 17
6.4 ANALYSIS ON OTR OF SWABOLOMBI RIN (SR), RANGPUR REGION ........................................................ 19
6.4.1 Overall OTR scenario of Rangpur Region ......................................................................................... 19
6.4.2 OTR analysis by villages, Rangpur Region ....................................................................................... 20
6.5 ANALYSIS OF SAVINGS, JAMALPUR REGION ............................................................................................. 22
6.5.1 Overall Savings Scenario of Jamalpur Region ................................................................................... 22
6.5.2 Savings analysis by villages of Jamalpur Region ............................................................................... 23
6.6 ANALYSIS OF SAVINGS, RANGPUR REGION .............................................................................................. 25
6.6.1 Overall Savings Scenario of Rangpur Region ................................................................................... 25
6.6.2 Savings analysis by villages, Rangpur Region .................................................................................. 26
6.7 ANALYSIS OF GS MEETING ATTENDANCE, JAMALPUR REGION .............................................................. 28
6.7.1 Overall Attendance Scenario of Jamalpur Region ............................................................................. 28
6.7.2 GS meeting attendance analysis by villages of Jamalpur Region ....................................................... 29
6.8 ANALYSIS OF GS MEETING ATTENDANCE OF RANGPUR REGION ........................................................... 31
6.8.1 Overall Attendance Scenario of Rangpur Region .............................................................................. 31
6.8.2 GS meeting attendance analysis by villages of Rangpur Region ....................................................... 31
7. LESSONS LEARNED .................................................................................................................................. 34
8. CONCLUSION .............................................................................................................................................. 37
ANNEX 1: LIST OF ALL ISSUES OF YEAR-1 (FEBRUARY-DECEMBER 2013) .................................. 38
ANNEX 2: SPECIFIC OBSERVATION ON ACTION STATUS OF PMA FINDINGS (FEBRUARY
2013 TO NOVEMBER 2013) ............................................................................................................................ 45

ii
ANNEX 3: SPECIFIC OBSERVATION ON OTR STATUS OF SWABLOMBI RIN IN FIXED
VILLAGES ......................................................................................................................................................... 56
ANNEX 4: SPECIFIC OBSERVATION ON NJG MEMBERS USED TO SAVINGS IN FIXED
VILLAGES ......................................................................................................................................................... 59
ANNEX 5: SPECIFIC OBSERVATION ON GS MEETING ATTENDANCE IN FIXED VILLAGES
.............................................................................................................................................................................. 60


iii
Glossary and Acronyms

AMT Appraisal and Monitoring Team
CAP Community Action Plan
CISF Community Infrastructure Support Fund
CDD Community Driven Development
CF Community Facilitator (of SDF)
CIW Community Infrastructure Works
CNRS Center for Natural Resource Studies
COM Community Operational Manual
CTL Cluster Team Leader
EC Executive Committee
FC Finance Committee (sub-committee of village organization)
FRO Field Research Officer (of Process Monitoring Agency)
FY Fiscal Year
GAAP Governance & Accountability Action Plan
GC General Committee
GP Gram Parishad- general body of the village institution
GS Gram Samity- executive committee of village institution
HCP Hardcore Poor
IDA International Development Association
IDF Institution Development Fund
IGA Income Generating Activities
NJG 'Nuton Jibon Group - Thrift group comprised with hard core poor and
poor
KII Key Informant Interview
ML Monitoring and Learning
MPD Monthly Process Diary
MSC Most Significant Changes
NGO Non government Organization
NR Natural Resource
PC Procurement Committee (sub-committee of village organization)
PM Process Monitoring

iv
PMA Process Monitoring Agency
RMF Result Monitoring Framework
SAC Social Audit Committee
SC Significant Change
SDF Social Development Foundation
SF Swabolmbi Fund
SIPP Social Investment Program Project
SSC Sanchay Sangrakshan Committee Cluster committee of JG to look after
the savings of group member
SL Sustainable Livelihoods
SLF Sustainable Livelihood Framework
SPC Sub Project Committee
SSC Sanchay Sangrakshan Committee
SSI Semi-Structured Interview
ToR Terms of Reference
VCO Village Credit Organization
VDF Village Development Fund
VDP Village Development Plan
VDRRF Village Development Risk Reduction Fund
WB World Bank


5
Executive summary

This is the Annual Report of Process Monitoring (Northern Zone) for the period of January
to December 2013. The PMA was involved in a number of activities during the period. The
main activity includes 1,347 visits (Jamalpur-635, Rangpur-712) to 1,022 villages (Jamalpur-
463, Rangpur-559). Mentionable, monthly 67 villages are planned to visit in each region
where 10 are fixed to visit in every month, 10 repetitions from previous months visit and 47
are chosen as new sample villages. PMA also attended a number of meetings in different
tiers of SDF at national, regional, district, cluster and community level. During the period,
CNRS has prepared and circulated 1 Inception Report, 1 Design Report, 1 Process
Monitoring Guideline, 11 MPDs, 4 Quarterly Reports, 6 Workshop Minutes (held at HQ and
Regional level), and 6 follow up reports on action status. In addition, PMA has been
continually providing inputs to SDF in developing PM section of MIS (focusing issues
generated and follow up status), revision of COM, presentation before the MTR team of the
WB.

The PMA has reported 106 major findings (Jamalpur Region-57, Rangpur Region-49) during
the reported period i.e. January-December 2013. Majority of the issues are related with
Governance (19.81%) followed by Livelihood Development and Institutionalization (12.27%
each), Accountability (11.32%), capacity building (9.43), Cost-effectiveness and Inclusiveness
(7.54% each), and Transparency (3.78%).

Analyses in the context of occurrences in number of villages revealed that majority of the
issues are related to observations in fewer/some villages (40%). A total of 37% issues are
identified across the Nuton Jibon. It is important to note that 23% issues were found in
significant number of villages. Analysis of the issues by management tiers (according to SDF
management structure) exposed that the issues are concerned with the community (47%)
followed by district/cluster (23%) and regional level (20%) and central management of the
SDF (10%).

Findings/issues generated by PMA are shared at all levels starting from community
members, VO leaders/members, CF, CTL to District, Regional, to HQ levels. Formal sharing
is done at HQ with key staff and in Quarterly Monitoring and Learning Workshop (QMLW)
at Region with larger audience. In the reporting period formal decisions were taken on 93
issues (Jamalpur-51, Rangpur-42) and status has been checked. Of the total findings, it was
found that 23 cases (25%) were resolved, 12 cases (13%) were mostly resolved, 31 cases (33%)
were partially resolved, 10 cases (11%) are ongoing and 17 cases (18%), no action has been
taken or not resolved.

As decided, ten villages were selected as fixed sample village in each Jamalpur and Rangpur
Region. These villages were selected according to selection criteria, in concurrence with
Regions and HQ of SDF. In each months visit, a set of information was collected on on-
going and/or completed activities. On the basis of collected information during the year,
detail analysis is made on the information of three key areas like status of OTR of Swabolombi
Rin (SR), savings behaviour of NJG members and Attendance of GS meeting. In all of the
said three key areas/ indicators a declining trend has been observed between start and end
line during the reporting period i.e. January to December 2013.


6
This report also presents some interesting lessons captured by PMA throughout the
reporting period. All these lessons are simply important for all concerned stakeholders, SDF
in particular.

1. Introduction
Social Development Foundation (SDF), an autonomous non-profit agency of Government of
Bangladesh (GoB) has launched the Social Investment Program Project (SIPP) I in 2003 in the
two poverty prone districts of Jamalpur and Gaibandha as a pilot CDD operation with the
support from the International Development Association (IDA). Sequel to SIPP I and to scale
up its achievements, SDF has undertaken a six-year Employment and Livelihood
Improvement Nuton Jibon Project, popularly known as SIPP II (2010-2016). The project
covers 3147 villages in 16 districts under 3 Regions viz. Rangpur (6 districts), Jamalpur (5
districts) and Barisal (5 districts).

Since inception in 2003 till December 2006 process monitoring of SIPP was performed by UK
based firm ITAD in association with Center for Natural Resource Studies (CNRS), and
afterwards CNRS in collaboration with Maxwell Stamp Ltd continued the monitoring
assignment for another 3 years in the restructured phase (July 2008 to June 2011). This third
party independent process monitoring system was very useful and instrumental in ensuring
accountability (mainly through learning lessons, identifying best practices vis--vis
irregularities and corruption cases) as well as restructuring and reshaping the project
approach and design (after MTR). Based on the positive experiences, SDF has decided to
retain a Process Monitoring Agency (PMA) for Nuton Jibon project to independently
determine how effectively the project is running and to identify ways to improve quality of
implementation and processes. This is considered as an important mechanism that brings
lessons from the field directly to project management, allowing for real-time response and
correction of key challenges identified. Sequel to SIPP I, Center for Natural Resource Studies
(CNRS), in association with Maxwell Stamp Limited have been working as PMA for
Northern Zone (Rangpur and Jamalpur Region) of the project under Social Development
Foundation (SDF) since signing of the agreement on 10 December 2012 under Contract
Package No. S 15.00 (ENJ).

This is the first Annual Report of the Process Monitoring of Northern Zone, covering the
period to December 2013 since inception. As outlined in the ToR, monitoring is conducted
on monthly, quarterly and annually by the PMA, and monthly observations/report is the
basis of all other periodic reports. Therefore, this Annual Report is prepared based on the 11
MPDs and 4 Quarterly reports submitted to SDF during the reporting period. The report
describes, among others, the main activities undertaken/accomplished during the period by
the PMA under 'Nuton Jibon', the analysis of findings including follow up status, trend
analysis of some selected key indicators and learning.

2. Important Tasks Accomplished since Commencement

Center for Natural Resource Studies (CNRS), in association with Maxwell Stamp Limited
have been working as PMA for Northern Zone (Rangpur and Jamalpur Region) of SIPP-II.
Since commencement numbers of activities were accomplished by PM Northern Zone. This
may be worthwhile to mention that CNRS has been offered both the packages of Process
Monitoring of Nuton Jibon project. Hence, most of the preparatory and some other activities
of both the zones were carried out jointly for effective and smooth implementation.


7
2.1 Preparatory Activities

i. Agreement Signing: Agreement between SDF and Process Monitoring Agency
(PMA) signed on 5 Dec 2012 (under Package # S 15.0(ENJ)/2012/24). Center for
Natural Resource Studies (CNRS) is the Consultant, while Maxwell Stamp Ltd is the
sub-consultant of the assignment.

ii. Mobilization and Orientation/Training: All key staff members, as proposed, were
mobilized in mid-December 2014 and Field personnel were recruited in January
2013. In addition to hands-on and informal orientation, a two-day long formal
training was jointly organized by SDF and PMA in January 2013. The later was
deployed to field by January. The Northern Zone (Jamalpur and Rangpur Region)
PM team, it may be mentioned, comprises: Team Leader (1), National Coordinator
(1) Regional Coordinator (2), Supervisor (3) and Field Research Officer (7). The Team
leader and National coordinator is based at HO of CNRS, while others in two
regions. In Jamalpur region, Regional Coordinator based at Region Office Jamalpur
along with 2 Research Officers, while the Supervisor and 1 Field Research Officer at
Mymensingh sub-office. Similarly in Rangpur region, Regional Coordinator based at
Region Office Rangpur along with 1 supervisor and 2 Field Research Officers, while
1 Supervisor and 2 Research Officer at Gaibandha sub-office.

iii. Setting up of offices: PMA established all offices at all levelsOffice at HQ
(Dhaka) has been set up in CNRS HQs (Banani) and Field offices at Rangpur Region
(Rangpur and Gaibandha), Jamalpur Region (Jamalpur, Mymensingh). Offices were
equipped with necessary furniture and office equipment like motor cycles, camera,
laptops including modem for internet etc. All these were accomplished within Jan-
Feb 2013.

2. 2 Deliverables

Deliverables under the package broadly includes: 1. Process Monitoring Reports (Monthly,
Quarterly and Annual) and 2. Other related/special reports. The PM Team prepared and
submitted the following deliverables (including number):

Table-1: Deliverables of the reporting period (Jan-Dec 2013)
Sl No. Deliverables Target Achievement
01. Inception Report 01 01
02. Design Report 01 01
03. Process Monitoring Guideline 01 01
04. Training Report 01 01
05. Monthly Work plan-12 (including one for January 2014) 12 12
06. Monthly Process Diary(MPD)-11 11 11
07. Quarterly Report 04 04
08. Minutes of Quarterly Monitoring and Learning Workshops
(Region level)
NA 04
09. Follow-up report on the decisions of workshop and others 04 04
10. Minutes of Sharing meeting with SDF National Team NA 02
11. Follow-up report on the decisions of sharing meeting 02 02

In all the cases of preparing and submitting the reports, PMA tried best to maintain schedule
and quality.

2.3 Other Activities Performed


8
Table 2: Distribution of findings by PM indicators
Indicators # %
Sustainability
11 10.38%
Livelihood Development
13 12.27%
Governance
21 19.81%
Accountability
12 11.32%
Institutionalization
13 12.27%
Cost-effectiveness
8 7.54%
Capacity building
10 9.43%
Inclusiveness
8 7.54%
Learning & Communication
4 5.66%
Transparency
6 3.78%
Total 106 100

14%
47%
6%
33%
Figure 1: Relevence of issues by extent of
villages
Across the Nuton
Jibon
In some villages
In single villages
Significant no. of
villages
In addition, PMA is continually providing inputs to SDF in developing MIS of PM (focusing
issues generated and follow up status). PMA also attended workshop on Revision of COM
arranged by SDF at Dhaka and provided necessary inputs. A joint presentation of both the
Zones of PM activities/findings was made to MTR of WB in the month of Sept 2013 where
members of SDF and mission attended.
3. Analysis of Process Monitoring Findings
The PMA has reported 106 major findings (Jamalpur Region-57, Rangpur Region-49) during
the period of annual report (January-December 2013), analysis on the reported findings is
presented below and details in Annex-01.

3.1 Distribution of issues by process monitoring indicator:
Table 5 shows the distribution of the reported findings by process monitoring indicators.
Though many of the findings are found very much relevant to a number of indicators,
however, the dominant indicators are
considered for analysis, as judged by
PM Team. The Table-2 shows that
majority of the issues are related with
Governance (19.81%) followed by
Livelihood Development and
Institutionalization (12.27% each);
Accountability (11.32%); capacity
building (9.43); Cost-effectiveness
and Inclusiveness (7.54% each);
Transparency at lowest with (3.78%).
Governance issues are related with
the different areas of implementation
viz. embezzlement of fund, incorrect
information generated in input form,
financial anomalies in purchasing
office materials, holding key position both in SSC and VCO by violating COM.
Sustainability and inclusiveness related issues are as irregular recovery of loan fund, fall of
VO activities after graduation, exclusion of target people from project activities. Livelihood
development, Accountability and Institutionalization related issues are as limiting
livelihood activities within few traditional trades, improper functioning of CAP, and poor
performance of different VOs.

3.2 Analysis of issues by coverage of villages:
Issues are analysed in the context of occurrences in number of villages. Figure 1 reveals that
majority of the issues are related to
observations in fewer/some villages
(40%). Issues like Irregularities in
Community contribution collection
process, Non-compliance of the steps
in disbursement/operation of
Swabolombi Rin, loan assessment
committee is not working properly,
Absence of recovery of overdue SF
deterred the revolving process of SF,
financial anomalies in purchasing

9

13%
23%
26%
38%
Figure 2: Relevence of issues by management
bodies
Central Region District/Cluster Community
office and training materials, embezzlement of Swabolombi fund by GS and VCO key
persons found under this category. A total of 37% issues are identified across the Nuton
Jibon addressing the issues like livelihood options and trainings are limited to few activities,
community assessment process (CAP) not functioned properly, incorrect information
generated in input form, non-functioning of internal lending increased the trend of idle fund
etc. It is important to note that 23% issues were found in significant number of villages.
Issues like, poor utilization of youth skill development training loan fund, VO members are
not conscious about the importance of meeting, NJGs are not active on collecting Swabolombi
rin as the process is more VCO and CF dependent, training learning/experience not
disseminated among NJG members fall under this category.

3.3 Analysis of issues by management bodies:
Figure 2 shows the scenario on the analysis of the issues by management bodies. Majority of
the issues are concerned with the community (47%) followed by district/cluster (23%) and
regional level (20%) and central
management of the SDF (10%).
Issues like fund release service
standard not maintained, a good
number of youths are being excluded
from project benefit, Household List
is not updated on a regular basis,
participatory method of allocation of
VDRRF to VOs was not followed are
related with the central management
of SDF. Issues like dissemination and
follow up of the decision of Quarterly
Monitoring and Learning Workshop
is not effective, irregularities in
conducting Monitoring & Learning Workshop at cluster level and fall of village activities
after graduating in second generation found related with the regional management of SDF.
Issues like incorrect information generated in Input Form, Community Assessment Process
(CAP) not functioned properly, a good number of indigenous people are excluded from
Nuton Jibon project, and poor understandings of VO members on fundamental project
issues are examples of issues related with district and cluster level bodies. Improper
functioning of village level organizations, financial embezzlement, NJGs are not active on
collecting Swabolombi rin, same person holding key position both in SSC and VCO are
examples of issues related with community. It may be noted that differentiating between
district, cluster and community level is a bit difficult as they are very much interlinked with
each other.

4. Coverage of Sample Villages
4.1 Overall Scenario of Coverage villages:
Presently, the Nuton Jibon has been working in 2553 villages (1133 in Jamalpur and 1420 in
Rangpur region) of Northern Zone. PMA team is continuously visiting villages through
random sampling; proportionately form all districts and batches. Monthly 67 villages are
planned to visit in each region where 10 villages are fixed to intensively monitor the project
progress, 10 repetition villages are chosen from previous months work plan to monitor the
present status of previous findings and 47 villages are chosen as new sample villages. As per
this estimate, PM Northern Zone team is to cover 1074 villages (Jamalpur-537, Rangpur-537)

10
Table-3: District and batch wise coverage of visited villages (Feb-Dec 2013) Jamalpur Region
Districts Batch-I Batch-III Batch-VII Batch-VIII Batch-IX Total
Jamalpur 129 29 13 171
Sirajgonj 14 20 23 3 60
Sherpur 43 41 84
Mymensingh 61 57 118
Sylhet 19 11 30
Total 129 43 33 146 112 463

by 11 months (February-December 2013). Against the projection of 1074, PM team has
visited a total of 1022 villages (Jamalpur-463, Rangpur-559); the rate of achievement against
the projection is 95% (Table-3 & 4). The important reasons behind shortfall include political
disturbances throughout the year and engagement with some sudden events, which were
not in plan. Mentionable, PMA made 1347 visits (Jamalpur-635, Rangpur-712) to 1022
villages (Jamalpur-463, Rangpur-559). Of the total existing villages (2553) of Northern Zone,
40% villages (1022) have been covered in the reporting period.
4.2 Coverage of Sample Villages in Jamalpur Region:
As per the above mentioned sampling strategy, PM Jamalpur regional team is to cover 537
by 11 months (February-December 2013). Against the projection of 537, PM team has visited
a total of 463
villages; the rate
of achievement
against the
projection is 86%
(Table-3). Of the
total visited
villages, highest
37% (171) in Jamalpur District closely followed by Mymensingh 25%, Sherpur 18% (84),
Sirajganj 13% (60), lowest in Sylhet 7% (30). Again, by batch, as high as 31% (146) villages
from batch VIII, 28% (129) from Batch I, 24% (112) from Batch IX, 9% (43) from Batch III and
lowest 7% (33) from Batch VII. Of the total existing villages (1133) of Jamalpur Region, 41%
villages (463) have been covered in the reporting period.

As decided, PM team made one more visit to same villages, hence in 11 months (February-
December 2013) PM Jamalpur regional team made total 635 visits to 463 villages. Of total 463
visited villages, 362 villages were visited single times, 81 villages were visited for two times,
and 20 villages were visited for more than two times. Table-4 depicts the details of the times
of visit by district and batch.
Table-4: Times of visits by district and Batch (Feb-Dec 2013) of Jamalpur region
District Visiting type Batch-I Batch-III Batch-VII Batch-VIII Batch-IX
Total

Jamalpur
Single 92 25 12 - - 129
Two times 58 8 - - - 66
More than two times 6 - - - - 6
Fixed village 33 - 10 - - 43
Sirajgonj
Single - 11 15 18 3 47
Two times - 2 10 8 - 20
More than two times - - - - - 0
Fixed village - 7 - 9 - 16
Sherpur
Single - - - 34 38 72
Two times - - - 16 4 20
More than two times - - - 4 - 4
Fixed village - - - - 10 10
Mymensing
h
Single - - - 50 43 93
Two times - - - 20 22 42
More than two times - - - - 3 3
Fixed village - - - 10 10 20
Sylhet
Single - - - 12 9 21
Two times - - - 12 4 16
More than two times - - - 7 - 7

11
Table-5: District and batch wise coverage of visited villages (Feb-Dec 2013) Rangpur Region
District

Batch I Batch II Batch IV Batch VII Batch VIII Batch IX Total
Rangpur
0 0 23 33 27 24 107
Kurigram 0 0 10 8 11 14 43
Nilphamari
0 0 9 25 23 24 81
Dinajpur
0 0 10 12 19 16 57
Gaibandha
162 21 0 0 0 0 183
Naogaon 0 0 0 0 53 35 88
Total
162 21 52 78 133 113 559

District Visiting type Batch-I Batch-III Batch-VII Batch-VIII Batch-IX
Total

Fixed village - - - - - -
Total
Single 92 36 27 114 93 362
Two times 58 10 10 56 30 164
More than two times 6 0 0 11 3 20
Fixed village 33 7 10 19 20 89
Grand Total 189 53 47 200 146 635

4.3 Coverage of Sample Villages in Rangpur Region:
As per the above mentioned sampling strategy, PM Rangpur regional team also is to cover
537 villages by 11 months (February-December 2013). Against the projection of 537, PM team
has visited a total of 559 villages; the rate of achievement against the projection is 104%
(Table-5). Some cases need based visit (out of work plan) also paid that produced higher
achievement than target. Of the total visited villages, highest 33% (183) in Gaibandha
District closely followed by Rangpur 19% (107), Naogaon 16% (88), Nilphamari 14% (81),
Dinajpur 10%
(57) and lowest
in Kurigram
8% (43). Again,
by batch, as
high as 29%
(162) villages
from batch I,
24% (133) from
Batch VIII, 20%
(113) from Batch IX, 14% (78) from Batch VII, 9% (52) from Batch IV and lowest 4% (33) from
Batch II. Of the total existing villages (1420) of Rangpur Region, 39% villages (559) have been
covered in the reporting period.

As decided, PM team made one more visit to same villages, hence in 11 months (February-
December 2013) PM Rangpur team made total 712 visits to 559 villages. Of total 559 visited
villages, 472 villages were visited single times, 73 villages were visited for two times, and 14
villages were visited for more than two times. Table-6 depicts the details of the times of visit
by district and batch.
Table-6: Times of visits by district and Batch (Feb-Dec 2013) of Rangpur Region
District Visiting type Batch-I Batch-II Batch-III Batch-VII Batch-VIII Batch-IX
Total

Rangpur
Single - - 19
27 27 16
89
Two times - - 6
10 0 16
32
More than two times - - - - - - -
Fixed village - - 10

9

19
Kurigram
Single - - 8
6 11 12
37
Two times - - 4
2 0 2
8
Fixed village - - -
7 - 2
9
Nilphamari
Single - - 7
20 21 23
71
Two times - - 4
8 2 -
14
Fixed village - -
-
2
6 6
14
Dinajpur Single - - 8
9 18 14
49

12

0
10
20
30
40
Resolved Mostly
Resolved
Partially
Resolved
Ongoing Not
Resolved
25%
13%
33%
11%
18%
%

o
f

A
c
t
i
o
n

o
f

P
M

F
i
n
d
i
n
g
s
Figure-3: Action Status on PM Findings (Feb-Nov
2013) Northern Zone (Jamalpur & Rangpur Regions)
District Visiting type Batch-I Batch-II Batch-III Batch-VII Batch-VIII Batch-IX
Total

Two times - - 4
4 0 4
12
Fixed village - - -
7 3 -
10
Gaibandha

Single
138 16
- - - - 154
Two times
44 8
- - - - 52
More than two times
- -
- - - - 0
Fixed village
19 10
- - - - 29
Naogaon
Single - - - -
42 30
72
Two times - - - -
20 8
28
Fixed village - - - -
10 3
13
Total
Single
138 16
42
62 119 95
472
Two times
44 8
18
24 22 30
146
More than two times 0 0 0 0 0 0 0
Fixed village
19 10
10 16
28 11
94
Grand Total
201 34 70 102 169 136 712

5. Issues Generated, Follow up and Action Status
5.1 Overall follow up and action status:
PM Team collects data from villages following a host of methods and tools (like One-to-one
interview, Observation, reviewing VO/Nuton Jibon Group level documents, FGD, KII, Case
Study, Most Significant
Changes, Event, Time
Analysis), and
findings/issues generated
are shared at all levels
starting from VO
leaders/members, CF, CTL
to District, Regional, to HQ
levels. Formal sharing is
done at HQs with key staff
and in Quarterly Monitoring
and Learning Workshop
(QMLW) at Region with
larger audience where decisions are taken towards action on PMA findings. In the reporting
period (Jan-Dec 2013), four Quarterly Monitoring and Learning Workshop (Two in each
region) and two sharing meetings with SDF management (SDF-HQ level) were held. PMA
volunteered in preparation of meeting proceedings and action plans. As a part of regular
task PMA review the action status during their field visit and subsequently prepared report
on action status.

In the reporting period formal decisions were taken on the issues raised in February to
November 2013, hence the analysis is made based on said period. Action plan has prepared
on 93 (Jamalpur-51, Rangpur-42) cases with formal decision and status has been checked. Of
the total findings, it was found that 23 cases (25%) were resolved, 12 cases (13%) were
mostly resolved, 31 cases (33%) were partially resolved, 10 cases (11%) are ongoing and 17

13

20%
10%
37%
15%
18%
Figure-4: Action status on PM findings (Feb-
Nov 2013) Jamalpur region
Resolved Mostly Resolved Partially Resolved
Ongoing Not Resolved
cases (18%) no action taken or not resolved. Figure-3 depicts the situation clearly. Details of
action status are in Annex-2.

PMA tried to track the execution trend of actions which as follows:
Issues relates with misappropriation are resolved quickly. Resolved rate also found
quicker in the cases when a particular person found solely responsible.
Action takes more time or prolonged in those cases where group of people are
responsible.
Decisions relates with institutionalization of VOs, Capacity building of VO members,
ensure authenticity in VO documentation also takes more time to resolve.

Consideration:
Issues resolved in 80% visited villages is consider as resolved
Issues resolved in 60% to 79% visited village is considered as mostly resolved
Issues resolved 20% to 59% visited village considered as partially resolved
Issues resolved below 20% is considered as not resolved
Action initiates on the issues like preparation of different guideline, create change in
project procedures, execution of management level decisions marked as ongoing.
The latest follow up vis--vis action (resolution) status can be seen in details in
Annex 1.

5.2 Follow up and Action Status of Jamalpur Region:
In the reporting period (Jan-Dec 2013), two Quarterly Monitoring and Learning Workshop
held in Jamalpur region. Besides this, two sharing meeting with SDF management (SDF-HQ
level) were also held. In those meetings formal decisions were taken/action plan prepared
on total 51 PMA findings of Jamalpur
Region (February to November 2013). The
action status has been checked by PMA in
regular basis and action report has
prepared accordingly. Analysis on follow
up status was made by categorizing the
issues in five different sections (Resolved,
Mostly resoled, Partially resolved,
Ongoing, Not resolved). Of the total
findings, it was found that 10 cases (20%)
were resolved, 5 cases (10%) were mostly
resolved, 19 cases (37%) were partially
resolved, 8 cases (15%) are ongoing and 9
cases (18%) no action taken or not
resolved. Figure-4 depicts the situation clearly.

Category wise (Resolved, Mostly resoled, Partially resolved, Ongoing, Not resolved)
examples of issues are given below:
Issues like irregularities in signing umbrella agreement, gaps in disbursement of
vulnerable grant, committee formation, IGA training, numerous documentations etc.
are the example of resolved issue.
Examples of mostly resolved issues are like irregularities in training,
accomplishment of CISF-1 activity, recovery of Swabolombi Rin.

14

31%
17%
28%
5%
19%
Figure-5: Action status on PM findings (Feb-
Nov 2013) Rangpur region
Resolved
Mostly Resolved
Partialy Resolved
Ongoing
Not Resolved
Issues such as; absence of secretary in SSC, irregular savings and depositions of key
person and CP, trade selection for youth skill loan fund, function of SAC,
irregularities in GP meeting, performance of PC, financial anomalies in purchasing
GS office goods, fabricated information generation for input form, etc. are the
example of partially resolved.
SDF team is still working for resolving some issues which are ongoing in the field,
such as; purchasing of GS office land according to COM, dissemination of training
learning/experience, non-compliance of the steps in Swabolombi Rin operation,
absence of follow up in SAC report, accumulation of emergency fund, fund release
standard etc.
Issues like alteration of savings from fortnightly to weekly, maintenance of
implemented sub project, prioritization of trade, collection of community
contribution, Swabolombi Rin recovery etc. are not resolved

5.3 Follow up and Action Status of Rangpur Region:
Like as Jamalpur, in the reporting period (Jan-Dec 2013), two Quarterly Monitoring and
Learning Workshop held in Rangpur region. In those meeting formal decisions were
taken/action plan prepared on total 42 PMA findings of (February to November 2013)
Rangpur Region. The action status has been checked by PMA in regular basis. Of the total
findings, it was found that 13 cases (31%) were resolved, 7 cases (17%) were mostly resolved,
12 cases (28%) were partially resolved, 2 cases (5%) are ongoing and 8 cases (19%) no action
taken or not resolved. Figure-5 depicts the situation clearly.

Category wise (Resolved, Mostly resoled,
Partially resolved, Ongoing, Not
resolved) examples of issues are given
below:

A good number of issues such as;
dissimilarities in the
documentation and bank
deposition of VCO, holding
executive position both in VOs
and NJCS, documenting OTR,
updating Swabolombi rin recovery
sheet, outsiders involvement in
financial activities, reformation of VOs, inclusiveness of the indigenous people,
dissemination and follow-up of the QMLW decisions, occupational harmony in
producer group, absence of CISF expenditure related documents, involvement of VO
members spouse, issues regarding procurement procedure, maintenance of the
implemented sub projects etc. have been resolved promptly by the SDF field staff
soon after issues were raised by the PMA team.
Same persons are holding the key positions both in SSC and VCO by violating COM,
Monitoring system at VO level is not functioning properly, Youths received training
on computer, failed to be employed and Non-compliance of procurement procedures
are the examples of mostly resolved issues.
Household List is not updated on a regular basis, Key positions are becoming
irregular/defaulter in recovery of IL and SF and A good number of youths are being
excluded from project benefit are the examples of partially resolved issues.

15
Action ongoing issues are Community assessment process (CAP) is not functioning
properly and improper utilization of Swabolombi rin.
It is also observed that some of the issues were not resolved such as; utilization of
CISF (Others) centralized on Roads and Culverts, limited livelihood option and
training, OTR status of the 2
nd
generation villages, NJGs are not active on collecting
Swabolambirin, association with MFIs, exclusion of vulnerable people from project
support, poor functioning of youth groups, increasing trend of overdue and idle
fund in 2
nd
generation villages etc. were not addressed and yet not resolved which
deserve further attention of the SDF management.
6. Fixed Villages: Findings and Trends
6.1 Introduction (Brief Profile)
As decided, ten villages were selected as fixed sample village in each Jamalpur and Rangpur
Region. These villages were selected according to set selection criteria, keeping
Regions/SDF informed. Proportionate allocation of Batch and districts were also considered
in selecting these villages. The main purpose of selecting these villages is to intensively
monitor the project activities and see the trend of development of some key indicators.

Jamalpur Region
PM Jamalpur Team, in consultation with SDF Regional Office, selected 10 fixed villages
covering the maximum project Districts and the Batches. Of them 4 were from Jamalpur
District (Kuzgor, Kazaikata, Baniapara villages are under batch I and Moja Ata village under
batch II); 2 from Sirajganj District (Brammamgati of batch III and Dhukuria in batch VIII); 2
from Mymensingh District (Panch Kahonia of Batch IX and Khamarshingjani in batch VIII),
1 from Sherpur District (Purbo Kolospar uttar Para of Batch IX). More information of the
fixed villages is given in Table-7.
Table-7: Details of 10 fixed sample villages of Jamalpur Region
Name of village &
# of cluster, batch
District
Total Target HHs Total NJG member VDF/VDRRF
received status Poor HCP Total Poor HCP Youth Total
Baniapara (02), I Jamalpur 52 169 221 52 156 17 225 VDF 3
rd

Kazaikata (08) I, Jamalpur 60 197 257 60 97 10 167 VDF 3
rd

Moja Ata(10), II Jamalpur 39 142 181 39 149 12 200 VDF 3
rd
, FRF 2
nd

Kuzgor(13), I Jamalpur 50 118 168 30 112 18 160 VDF 3
rd

Brammamgati
(01), III
Sirajgonj 86 141 227 64 119 09 184
IDF 2
nd
, SF 2
nd
, CISF
3
rd

Naldair Purbo para(
16),VII
Jamalpur 63 109 172 40 85 15 140
IDF 2
nd
, SF 1
st
, CISF-1
1
st
, CISF-2 2
nd

Dhukuria (05), VIII Sirajgonj 56 181 237 55 154 15 224
IDF 1
st
, SF 1
st
, CISF-1
1
st

Khamarshingjani-
2(01), VIII
Mymensin
gh
130 100 230 101 46 14 161
IDF 2
nd
, SF 2
nd
, CISF-1
2
nd
, CISF-2 1
st

Panch Kahonia
(05), IX
Mymensin
gh
76 199 275 47 119 10 176 IDF 1
st
, SF 1
st

Purbo Kolospar
uttar Para(03),IX
Sherpur 50 145 195 43 123 18 184
IDF 1
st
, SF 1
st:
, CISF-1
1
st
, CISF-2 1
st

Rangpur Region
Following the same process, PM Team also selected 10 fixed villages covering the entire
project Districts and the batches of the Region. Of them, 3 were from Gaibandha District

16

92
78
72
74
84
66
75
70 71
60
79
70
0
20
40
60
80
100
%

O
F

A
V
E
R
A
G
E

O
T
R
Figure-6: Monthly average OTR of ten fixed sample
villages of Jamalpur Region (Jan-Dec 2013)
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
(Boro Durgapur-2 of batch II, Moddy Hat Bamuni and Purbo Ramjibon villages in batch I); 2
each from Nilphamari District (Abdoriapara of batch IX and Paschim Hindupara in batch
VIII and from Rangpur District (Uttar Laxmipur of batch VII and Ramkrisnopur in batch IV);
1 each from Dinajpur District (Teroania batch VII), 1 village from Kurigram district (Laxmir
Khamar in batch VII) and 1 from Naogaon district (Natshal in batch VIII). More information
of the fixed villages is given in the table below.
Table-8: Details of 10 fixed sample villages of Rangpur Region
Name of village &
# of cluster, batch
District
Total Target HHs Total NJG member VDF/VDRRF
received status Poor HCP Total Poor HCP Youth Total
Abdoriapara (04),IX Nilphamari 48 120 168 36 95 13 144 IDF 1
st
, SF 1
st:

Paschim
Hindupara(02),VIII
Nilphamari 64 129 193 54 115 22 191 IDF 3
rd
, SF 2
nd
,
CISF 3
rd(Office)
,
CISF 3
rd(Others)

Teroania(01),VII Dinajpur 44 119 163 35 95 12 142 IDF 3
rd
, SF 2
nd
,
CISF 2
nd(Others)
,
CISF 3
rd(Office)

Ramkrisnopur
(01),IV
Rangpur 67 85 152 59 76 12 147 IDF 3
rd
, SF 2
nd
,
CISF 3
rd(Office)
,
CISF 3
rd(Others)

Uttar
Laxmipur(04),VII
Rangpur 114 80 194 86 61 14 161 IDF 2
nd
, SF 2
nd
,
CISF 2
nd(Office)
,
CISF 2
nd(Others)

Laxmir
Khamar(01),VII
Kurigram 41 186 227 32 166 16 214 IDF 2
nd
, SF 2
nd
,
CISF 2
nd(Office)
,
CISF 2
nd(Others)

Purbo Ramjibon
(10), I
Gaibandha 198 141 339 141 140 12 293 VDF 3
rd

Boro Durgapur-2
(03); II
Gaibandha 57 78 135 40 70 10 120 VDF 3
rd
, FRRF 2
nd

Moddy Hat Bamuni
(07), I
Gaibandha 147 57 204 118 47 13 178 VDF 3
rd

Natshal (03), VIII Naogaon 76 135 211 52 100 11 163
IDF 1
st
, SF 1
st
,
CISF (office) 1
st

6.2 Trends of findings
In each months visit, a set of information was collected on on-going and/or completed
activities. On the basis of collected information during the year, analysis is made on the
information of three key areas like OTR of Swabolombi Rin (SR), savings behaviour of NJG
members and Attendance of GS meeting. The findings are presented below by area/village
and by sleeted indicator including an aggregated picture.

6.3 Analysis on OTR of Swabolombi Rin (SR), Jamalpur Region
6.3.1 Overall OTR scenario of Jamalpur Region

Based on the data collected by
month from the fixed villages
in the Region, PMA team
analysed the OTR status of 10
fixed villages in Jamalpur
region from January, 2013 to
December, 2013 by month by
village as well as consolidated
picture of all the villages
(average OTR by month). It is
observed from the linear trend

17
analysis of OTR in the villages that there is falling/negative trend at present. Notably in
January 2013 average OTR of ten fixed villages was 92% and in most of the remaining
months it was within the range of 70%-80% except three months (May 2013-84%, 66% in
June 2013 and 60% in November 2013). Figure-6 depicts the situation clearly and more in
Annex-3.

Mentionable that some villages started credit operation from the first month of monitoring
(January 2013), some started a little late (after 2-3 months) and some started very late (after
7-8 months). The OTR is by and large satisfactory in the late starting villages, while poorer
in the early starting ones (with few exceptions). The reasons mentioned by VO members for
declining OTR of the villages were:
a. There are some internal conflicts in few villages which affected the recovery of
Swabolombi Rin.
b. VO members thought that they received the loan from government, and hence they
do not need to pay the installment.
c. VO members are becoming unwilling on voluntary work.
d. SDF staff told them that they will receive benefit such as remuneration or profit from
service charge. However, since there is no disbursement of service charge, they
become reluctant to pay installment. Commented by VO members.
e. Infertile use of SF.
f. Members of batch I villages have lost their faith on the organization due to
misappropriation of some key persons.

6.3.2 OTR analysis by villages of Jamalpur Region

Village wise trend of OTR of 10 fixed villages is presented below:

1. Khamarshingjani-2 Village (Batch-
VIII, Cluster 01, Mymensingh):
The recovery of Swabolombi Rin (SR) of
Khamarshingjani-2 Village has started in
March 2013. From the beginning to
November 2013 the trend was consistent
and satisfactory (100%). However, it fell
sharply in December 2013 with 89%. A
graphical illustration of OTR is given in
Figure-7.

2. Pach Kahonia Village (Batch-IX,
Cluster 05, Mymensingh):
In Pack Kahonia village the recovery of SR
has started from September 2013.
Throughout the period, recovery rate of
October 2013 found worst as 0%, while in
rest months it was in range of 99% to
100%. A graphical illustration of OTR is
given in Figure-8.

100 100 100 100 100 100 100 100 100
89
80
85
90
95
100
Mar Apr May Jun Jul Aug Sep Oct Nov Dec
%

O
T
R
Figure-7: Monthly OTR trend in
Khamarshingjani-2 village (May-Dec)
100
0
99 100
0
20
40
60
80
100
Sep Oct Nov Dec
%

o
f

O
T
R
Figure-8: Monthly OTR trend of Panch
Kahonia village (Sept-Dec 2013)

18
3. Baniapara Village (Batch-I, Cluster-02,
Jamalpur):
Over the reporting period, the recovery
rate of Bania para village was found
unstable. In most of the months the
recovery rate was below 60%, worst in
with 0%. A graphical illustration given
below (Figure-9):

4. Kazikata Village (Batch-I, Cluster-08,
Jamalpur):
The recovery rate of Kazaikata village was
above 80% only in three months, while in
rest of the period the trend of recovery
was below 80%. A graphical illustration
given below (Figure-10):

5. Moja Ata Village (Batch-I Cluster-10,
Jamalpur):
The recovery rate of Moja Ata village was
found 0% for months together, though the
rate in January and November 2013 was
100% (Figure-11).

6. Kuzgor Village (Batch-I, Cluster-13,
Jamalpur):

Consistently the recovery rate of Kuzgor
village has been running within the range
of 80-100% up to October 2013 than
declined. A graphical illustration is given
below (Figure-12):

7. Naldair Purbopara Village (Batch-VII,
Cluster-16 Jamalpur):

Up to November 2013 the OTR of Naldair
purbopara village was found satisfactory,
but it declined in December 2013. A
graphical illustration is given below
(Figure-13):

63
77 77
39
55
0
27
37
35
29
47
75
0
20
40
60
80
100
%

o
f

O
T
R
Figure-9: Monthly OTR trend in Baniapara
village (Jan-Dec 2013)
100
92
41
77
72
73
66
78
80
66
65
88
30
40
50
60
70
80
90
100
%

o
f

O
T
R
Figure-10: Monthly OTR trend in Kazikata
100
0 0 0
53
0
65
0 0 0
100
0 0
20
40
60
80
100
%

o
f

O
T
R
Figure-11: Monthly OTR trend in Moja Ata
89
98
95
81
95
100
95
94
83
87
74
68
50
60
70
80
90
100
%

o
f

O
T
R
Figure-12: Monthly OTR treand in Kuzgor
100 100
95
97
95
92
88
95 95
93
95
68
60
70
80
90
100
%

o
f

O
T
R
Figure-13: Monthly OTR trend in Naldair
Purbopara village (Jan-Dec 2013)

19

93
95
96
94
91
93
94
90 90 90 90
86
80
82
84
86
88
90
92
94
96
98
Jan Feb Mar Apr May June Jul Aug Sept Oct Nov Dec
%

o
f

A
v
e
r
a
g
e

O
T
R
Figure-17: Monthly average OTR of ten fixed sample
villages of Rangpur Region (Jan-Dec 2013)
8. Purba Kolospar Uttar Village (Batch-IX
Cluster-03, Sherpur):

The SR recovery of Purbo Kolospar village
starts from September 2013 and in first
two months OTR was 100%, while later it
declined gradually to 94% even at 89% in
the consecutive months. A graphical
illustration is given below (Figure-14):

9. Brammangathi Village (Batch-III,
Cluster-01, Sirajganj):
In January and February 2013, the OTR of
Brammangathi village was 100% and then
it started declining, ended with 39% in
December 2013 (Figure-15).

10. Dhukuria Village (Batch-VIII,

In January and February 2013 the OTR of
Dhukuria village registered as 100% and
then began declining trend. Again from
December 2013 it shoots up with
increasing trend (Figure-16).

6.4 Analysis on OTR of Swabolombi Rin (SR), Rangpur Region

6.4.1 Overall OTR scenario of Rangpur Region
Like in Jamalpur, the PMA team analyzed the OTR status of 10 fixed villages in Rangpur
region and that of average all villages together from January, 2013 to December, 2013. It is
observed that OTR rate has
increased steadily and
satisfactorily during the 1
st

quarter. However, it started
to decline from May 2013
(with OTR just above the
90%). Again, by the month of
July, the rate reached close to
95% and then again started
to decline in the month of
August 2013 and remained
almost static up to
November 2012 keeping the
100 100
94
89
80
85
90
95
100
Sep Oct Nov Dec
%

o
f

O
T
R
Figure-14: Monthly OTR trend in Purbo
Koloshpar Uttar village (Sept-Dec 2013)
100 100
95
96
100
65
67
78
40
62
50
39
30
40
50
60
70
80
90
100
%

o
f

O
T
R
Brammongati village (Jan-Dec 2013)
100 100
97
94
79
74
62 62
83
50
60
70
80
90
100
Apr May Jun Jul Aug Sep Oct Nov Dec
%

o
f

O
T
R
Figure-16: Monthly OTR trend in Dhukuria
village (Apr-Dec 2013)

20
OTR just below the 90%, and further deteriorated to below 86%, the ever lowest rate over the
year. From the Figure-17, it is understood that, OTR rate is fluctuating and steadily
dropping over the year, more in Annex-3.

The reasons for declining OTR, as commented by the VO and Staff members are as follows:
OTR is declining in the month of July and August because these months are just
before the seasons of paddy collection.
SF recovery decreased as the price of the potatoes went down. Most of the GS
members are the potato farmers.
Before the months of appraisal, OTR is high. After the appraisal, it declines.
The regular payment of installment sometimes becomes difficult for the poor and
hardcore poor. Many of them live on from hands to mouth.
When a leader being defaulter or irregular in paying back installment then the other
members follow him/her.
Most of the cases, for SF collection majorly depend on CF. If CF misses any collection
date due to other preoccupations the OTR falls.
Conflict in community level is another cause to decline OTR rate.
There is a rumor in old villages that the SF money is Government money-and no
need to paying back.
The members of old villages, which already received all funds from SDF and
graduated to 2
nd
generation, feel reluctant, and put less importance for recovery of
SF.
Like in Jamalpur, here also some villages operated credit activities early from the first
month of monitoring (January 2013), some started a little late (after 2-3 months) and some
started/operated very late (after 7-8 months). The OTR is by and large satisfactory in the late
starting villages, while poorer in the early starting ones (with few exceptions).

6.4.2 OTR analysis by villages, Rangpur Region

Village wise trend of OTR of 10 fixed villages of Rangpur Region is presented below:

1. Paschim Hindupara Village (Batch:
VIII, Cluster: 02, Nilphamary):
Throughout the reporting period (Jan-Dec
2013), the OTR of Swabolombi Rin (SR) of
Paschim Hindupara village was found
consistent and satisfactory (100%) except
August and October 2013 (Figure-18). In
these two months OTR fell, but it was
satisfactory too (at 99%). A graphical
illustration given below:

2. Adoriapara Village (Batch: IX, Cluster:
04, Nilphamary):
The recovery of SR of Adoriapara village
has started from October 2013. Form
beginning to December 2013 the OTR was
at highest level with 100%. A graphical
illustration is given below (Figure-19).

100 100 100 100 100 100
99
100
99
100 100 100
90
92
94
96
98
100
%

o
f

O
T
R
Figure-18: Monthly OTR trend of Paschim
Hindupara village (Jan-Dec 2013)
100 100 100
80
85
90
95
100
Oct13 Nov13 Dec13
%

o
f

O
T
R
Figure-19: Monthly OTR trend of Adoriapara
village (Oct-Dec 2013)

21
3. Teronia Village (Batch: VII, Cluster:
01, Dinajpur):
From January 2013 to September 2013
OTR of Teronia village was as high as
100%. In October and November 2013 it
was 97%, while again reached to 100% in
December 2013. A graphical illustration is
given below (Figure-20).

4. Uttar Laxmipur village (Batch: VII,
Cluster: 04, Rangpur):

Over the reporting period the Uttar
Laxmipur witnessed a fluctuating/uneven
trend. From August 2013 it was mostly in
declining trend. OTR of the reporting
period starts with 94% (January 2013) and
at the end of the reporting period it did
slide down to 68% in December 2013
(Figure-21).

5. Laxmir Khamar Village (Batch: VII,
Cluster: 01, Kurigram):

Over the reporting period except
November 2013, OTR of Laxmir Khamar
village was fluctuated within the range
83% to 99%. While, in November 2013
OTR was 75%. A graphical illustration

6. Ramkrisnopur Village (Batch: IV,
First four month (Jan-Apr 2013) of the
reporting period OTR of Ramkrisnopur
village was not in satisfactory level.
However, from May 2013 the situation
was improved and being continued
constantly. A graphical illustration given
below (Figure-23):

7. Purbo Ramjibon Village (Batch: I,
Cluster: 10, Gaibandha):
All troughs the reporting period the OTR
of Purbo Ramjibon village was at
satisfactory level. It was within the range
of 95%-100% (Figure-24).

100 100 100 100 100 100 100 100 100
97 97
100
90
92
94
96
98
100
%

O
F

O
T
R
Figure-20: Monthly OTR trend of Teronia
94
91
94
95
85
98
88
68
84
75 75
68
60
70
80
90
100
%

O
F

O
T
R
Figure-21: Monthly OTR trend in Uttor
Laxmipur village (Jan-Dec 2013)
99 99
94 94
96
95
94
84
83 83
75
84
70
80
90
100
%

o
f

O
T
R
Figure-22: Monthly OTR trend in Laxmir
Khmar village (Jan-Dec 2013)
77
72
83
69
95
100 100
97
100
88
95 95
60
70
80
90
100
%

o
f

O
T
R
Ramkrisnopur village (Jan-Dec 2013)
100 100 100
97 97
100
97
96
95
100
95
96
90
92
94
96
98
100
%

o
f

O
T
R
Figure-24: Monthly OTR trend in Purbo
Ramjibon village (Jan-Dec 2013)

22

Figure 1

79 79
75
76
74
69
63
60
61
56
55
46
40
50
60
70
80
90
100
%

o
f

N
J
G

M
e
m
b
e
r
s
Figure- 28: Distribution of NJG members (average) of
ten fixed sample villages of Jamalpur region used to
savings by months (Jan-Dec 2013)
8. Moddya Hat Bamunia Village (Batch:
I, Cluster: 07, Gaibandha):
In January 2013, OTR of Moddya Hat
Bamunia village was 77%. However, it
showed an increasing trend from
February 2013 and uneven trend within
the range of 79% to 100%. Again in
September 2013, it followed a declining
trend (Figure-25).

9. Boro Durgapur-2 Village (Batch: II,
The monthly OTR trend of Boro
Durgapur-2 village was not consistent.
First four month of the reporting period
(Jan-Apr 2013) the OTR was within the
range of 95% to 100%. However, it
drastically fell in May 2013 (53%); an
increasing trend shown from June 2013
but again fell in December 2013 (48%). A
(Figure-26):

10. Natshal Village (Batch: VIII,
Cluster: 03, Naogaon):

In Natshal village the recovery of SR has
started from October 2013. From October
2013 to December 2013, OTR was
consistently 100%. A graphical illustration
is given below (Figure-27):

6.5 Analysis of Savings, Jamalpur Region

6.5.1 Overall Savings Scenario of Jamalpur Region
PMA team analyzed the savings
status of 10 fixed villages in
Jamalpur region. The analysis was
made based on the status of the
number of the NJG members who
used to deposit savings. PMA
accumulated information by month
from ten villages for the period of
January 2013 to December 2013. By
analyzing the monthly average of
ten villages, constantly a declining
trend was exposed. In January
2013, average 79% NJG members
were used to regular savings,
77
100
97
99 99
79
87 87
63
57
61
66
50
60
70
80
90
100
%

o
f

O
T
R
Figure-25: Monthly OTR trend in Moddya Hat
Bamunia village (Jan-Dec 2013)
95
98
100
98
53
72
89
90
95
96
97
48
40
60
80
100
%

o
f

O
T
R
Figure-26: Monthly OTR trend in Boro
Durgapur-2 village (Jan-Dec 2013)
100 100 100
90
92
94
96
98
100
Oct13 Nov13 Dec13
%

o
f

O
T
R
Figure-27: Monthly OTR trend in Natshal
village (Oct-Dec 2013)

23
which declined gradually and in December 2003 it was 46%. The graphical illustration
(Figure-28) also presented the monthly trend of NJG members used to regular savings, more
in Annex-4.

VO mmebers commented some reasons behind the declining trend which summarized as
follows:
Some cases internal conflict makes the VO members reluctant on deposit savings
regularly.
VO members become averted due to late disbursement of funds, specially
Swabolombi Fund.
Gradually the VO members of Batch I villages becomes unenthusiastic on project
activities that has adverse effect on savings deposition.
Many VO members comment that, we have been depositing savings from the
beginning but not received any benefit (except receiving loan) that makes some
people unwilling on savings deposition.

6.5.2 Savings analysis by villages of Jamalpur Region
Village wise picture of NJG members used to savings in 10 fixed villages is
presented in the below:

Except December 2013, throughout the
reporting period percent of NJG members
used to savings in Khamarshingjani-2
village was within the range of 81% to
90%. However, it fell to 74% in December
2013. A graphical illustration given below
(Figure-29):

2. Pach Kahonia Villag (Batch-IX, Cluster
05, Mymensingh):

The percent of NJG members used to
deposit savings in Pach Kahonia village
has been fluctuating within 83% to 99%. A
(Figure-30):

Jamalpur):
Over the reporting period, status of NJG
members used to savings in Bania para
village found unstable. It was most
unpleasant within the period of April-
December 2013. A graphical illustration

81
83
85
90 90 90
89 89
85
84
87
74
60
70
80
90
100
%

o
f

N
J
G

M
e
m
b
e
r
s
Figure-29: Distribution of NJG members used to
savings in Khamarshingjani-2 village by month
(Jan-Dec 2013)
99 99
97
95
99
92
95
89
87
83
87
85
80
85
90
95
100
%

o
f

N
J
G

m
e
m
b
e
r
s

savings in Panch Kahonia village by month (Jan-
Dec 2013)
56
80
50
23
31
8
15
8
15
18
16
7
0
50
100
%

o
f

N
J
G

m
e
m
b
e
r
Figure-31: Distribution of NJG mebers used to
savings in Baniapara village by month (Jan-Dec
2013)

24

Jamalpur):
The percent of NJG members used to
savings in Kazaikata village was
disappointing. Only in January and July
2013 the rate was in above 70%, while in
rest of the months it was in below 60%.
The scenario of December 2013 found
worst (34%). A graphical illustration given
below (Figure-32):

Jamalpur):
Up to June 2013, the percent of NJG
members used to savings in Moja Ata
village was within 94% to 100%. However,
in July 2013 it fell to 0% and being
continued steadily. A graphical
illustration given below (Figure-33):

Jamalpur):

Percent of NJG members used to savings
in Kuzgor village has been fluctuating
within the range of 71% to 95%. However,
it fell in December 2013 (40%). A graphical


2013) the percent of NJG members used to
savings found satisfactory in Naldair
purbopara village. It has been fluctuating
within the range of 80% to 92%. A
graphical illustration given below (Figure-
35):

2013), the percent of NJG members, used
to savings was above 80% in Purbo
Kolospar village. It was exception in
November 2013 (79%). A graphical

76
58
48
60
59
65
71
58
65
56
60
34
30
50
70
90
%

o
f

N
J
G

M
e
m
b
e
r
s

saving in Kaziakata village by month (Jan-Dec 2013)
100 100 100
94 94 94
0 0 0 0 0 0 0
50
100
%

o
f

N
J
G

M
e
m
b
e
r

savings in Moja Ata village by month (Jan-Dec 2013)
73
72
74
95
87
76
71
95
78
85 85
40
35
55
75
95
%

o
f

N
J
G

M
e
m
b
e
r

savings in Kuzghor village by month (Jan-Dec 2013)
88 88 88
90
81
80
82 82
92 92
83
89
75
80
85
90
95
%

o
f

N
J
G

M
e
m
b
e
r
s

savings in Naldair Purbopara village by month (Jan-
Dec 2013)
97
100
97
100
98 98
96
93
96
92
79
83
75
80
85
90
95
100
%

o
f

N
J
G

M
e
m
b
e
r
s

savings in Purba Kolospar Uttar village by month (Jan-
Dec 2013)

25

80 80
82
82
76
76
71
66 66
67
66
64
60
65
70
75
80
85
90
95
100
%

o
f

N
J
G

M
e
m
b
e
r
s
Figure-39: Distribution of NJG members of ten fixed
sample villages of Rangpur Region used to savings by
months (Jan-Dec 2013)
In July-Sept 2013, percent of NJG
members used to savings found 65%, 58%
and 59% respectively in Brammangathi
village. In Oct-Dec 2013 it was 20%, 18%
and 17% respectively. However, in rest of
the months it was within the range of 37%
to 45% (Figure-37).


Percent of NJG members used to saving
has declined steadily in Dhukuria village.
A graphical illustration given below
(Figure-38):

6.6 Analysis of Savings, Rangpur Region

6.6.1 Overall Savings Scenario of Rangpur Region
Like as Jamalpur, PMA team analyzed the savings status of 10 fixed villages in Rangpur
region. The analysis was made
based on the number of the NJG
members used to savings. PMA
accumulated information by month
from ten villages for the period of
January 2013 to December 2013.

By analyzing the monthly average
of ten villages, consistent declining
trend was exposed. In January 2013
average 80% NJG members used to
savings, which declined gradually
and in December 2003 it did 64%.
The graphical illustration also
presented the monthly trend of
NJG members savings (Figure-39), more in Annex-4.

VO mebers commented some reasons behind the declining trend which summarized as
follows:
1. In most of the cases the current beneficiaries of the SF are accustomed with savings
deposition, rests are remaining inactive.
2. From the beginning the SDF staffs failed to uphold the necessity of savings accordin.
3. Internal conflict also another cause for declining savings rate.
4. In old villages many members becomes unenthusiastic on project activities that
effected on savings deposition.
43
40
39
45
39
37
65
58
59
20
18
17
10
30
50
70
%

o
f

N
J
G

M
e
m
b
e
r
s

regular savings in Brammangathi village by month
(Jan-Dec 2013)
75
70
68
72
60
48
44
30
33
31
38
31
25
45
65
85
%

o
f

N
J
G

M
e
m
b
e
r
s

regular savings in Dhukuria village by month (Jan-
Dec 2013)

26
6.6.2 Savings analysis by villages, Rangpur Region

Village wise trend of OTR of 10 fixed villages is presented in the below:


All through the reporting period (Jan-Dec
2013) the percentage of NJG members
used to savings found satisfactory in
Paschim Hindupara village. However, the
rate has been fluctuating within the range
of 84% to 94%. A graphical illustration

04, Nilphamary):

In May 2013, percent of NJG members
savings was 80% in Adoriapara village. It
was 54% and 53% respectively in August
2013 and December 2013. In rest of the
months it has been fluctuating within 59%
to 78%. A graphical illustration given
below (Figure-41):

01, Dinajpur):

Up to June 2013, above 80% NJG members
of Teronia village used to regular savings.
From July 2013 it began declined to below
80%, which did 71% in December 2013. A
42):


Status of NJG members savings was not
static in Uttar Laxmipur village. It has
been fluctuating within 50% to 100%.
However, in dominating period it was in
below 70%. A graphical illustration given
below (Figure-43):


Over the reporting period the picture of
Laxmir Khamar village has been
fluctuating within 59% to 77%. A
44):

92
90
94 94
92 92
91
88
87 87
87
84
80
85
90
95
100
%

o
f

N
J
G

M
e
m
b
e
r
s

Figure-40: Distribution of NJG members used to savings
in Paschim Hindupara village by month (Jan-Dec 2013)
72
78
76 76
80
70 69
54
74
71
59
53
50
60
70
80
90
100
%

o
f

N
J
G

M
e
m
b
e
r
s

savings in Adoriapara village by month (Jan-Dec 2013)
87
85
84
85
81
82
75
80
74
73
67
71
65
75
85
95
%

o
f

N
J
G

M
e
m
b
e
r
s
savings in Teronia village by month (Jan-Dec
2013)
67
63
68
100
54
62
59
50
58
95
94
69
50
60
70
80
90
100
%

o
f

N
J
G

M
e
m
b
e
r
s

saving in Uttor Laxmipur village by month (Jan-
Dec 2013)

27

6. Ramkrisnopur Village:
In Ramkrisnopor village (Batch: IV,
Cluster: 01, Rangpur) the percent of NJG
members savings was consistently poor
(Mostly below 40%), ranging highest 41%
and lowest 23%. A graphical illustration


The percent of NJG members, used to
savings found satisfactory in Ramjibon
village. Throughout the reporting period
it was within the range of 85% to 99%. A
46):


From January-March 2013, the percent of
NJG members savings was 85%, 86% and
88% respectively in Moddya Hat Bamunia
village. A declining trend has initiated
from April 2013 and being continued. A
47):


Percent of NJG members used to regular
savings found satisfactory in Boro
Durgapur-2 village, which being
fluctuated within 80% to 97%. A graphical


Percent of NJG members used to savings
found satisfactory in Natshal village for
January-June 2013. However, later it
steadily fell to 45% (October 2013) and
again fires to increase from November
76
73
74
77 77
70
68
67
60
66
59
63
55
60
65
70
75
80
85
90
95
100
%

o
f

N
J
G

M
e
m
b
e
r
s
savings in Laxmir Khamar village by month (Jan-Dec
2013)
37
41 41
29
34 33
30 29
27
23
31
34
20
40
60
80
100
%

o
f
N
J
G

M
e
m
b
e
r
s
savings in Ramkisnopur village by month (Jan-Dec
2013)
98
99
97 97
96
98
94
89
94
96
86
85 85
90
95
100
%

o
f

N
J
G

M
e
m
b
e
r
s

savings in Purbo Ramjibon village by month (Jan-Dec
2013)
85 86
88
80
71
67 66
55
51
34
43 42
30
50
70
90
%

o
f

N
J
G

M
e
m
b
e
r
s

savings in Moddyo Hat Bamunia village by month
(Jan-Dec 2013)
95
93
97
95
90
88
85
88
85
81
82
80 80
85
90
95
100
%

o
f

N
J
G

M
e
m
b
e
r
s
savings in Boro Durgapur-2 village by month (Jan-Dec
2013)

28

94 94 94
67
76
84
86
84
80
86
69
77
50
60
70
80
90
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Figure-50: Average GS meeting attendance in ten
fixed villages of Jamalpur Region by month (Jan-Dec
2013)
2013. A graphical illustration given below
(Figure-49):

6.7 Analysis of GS Meeting Attendance, Jamalpur Region

6.7.1 Overall Attendance Scenario of Jamalpur Region
PMA team gathered information on the meetings of different VOs of ten fixed villages by
month for the period of January 2013 to December 2013. However, for this report especially
GS meeting has chosen to analyze
the meeting attendance rate. Based
on the collected information, by
month average attendance of ten
villages has prepared, which
exposed a fluctuating trend. It
revealed that in first three month of
the reporting period the attendance
rate was above 90%. While, it fell in
April 2013 (67%) and fired to
increase from May 2013 and this
trend was continued up to October
2013. Again in November 2013 it fell to 69% and climbed to 77% in December 2013. The
graphical illustration (Figure-50) also presented the by month average attendance rate of ten
fixed villages, more in Annex-5.

According to project strategy, GS should conduct at least one meeting in each month;
however, in practical one more meeting may held. Hence, in case of one more meeting
average attendance of all meetings of a village is considered as the attendance of the
particular month. Nevertheless, in case of no meeting, average attendance is prepared based
on the status of those villages where meetings are held.

PMA team identified some reasons which are responsible for low attendance of members in
meeting:
a. Some members expected to get compensation for attending meeting. While absence
of compensation makes them reluctant on attending meeting.
b. Most of the cases, there are no practical meeting is performed. Only meeting
resolution is prepared to keeps the process up to date showing minimum attendance.
c. In some cases, the members participate in meeting but mistakenly not endorse their
attendance in meeting register.
d. In cultivation season, attendance rate is comparatively fewer than other season.
e. Noncooperation of family members is a barrier for the female members to participate
in meeting.

95
96
100
91
89
96
72
60
52
45
52
59
45
50
55
60
65
70
75
80
85
90
95
100
%

o
f

N
J
G

M
e
m
b
e
r
s
regular savings in Natshal village by month (Jan-
Dec 2013)

29
6.7.2 GS meeting attendance analysis by villages of Jamalpur Region
Village wise picture of NJG members used to attend in GS meeting in 10 fixed
villages is presented below:

2013) GS meeting attendance rate was
constantly 100%. A graphical illustration

2. Pach Kahonia Village (Batch-IX,
Cluster 05, Mymensingh):

In April-July 2013, percent of GS meeting
attendance was within the range of 83% to
97%. However, in rest of the months it
was 100%. A graphical illustration is given
below (Figure-52):

Jamalpur):

From January-April 2013 the percent of
GS meeting attendance was constantly
above 80%. Attendance rate fell badly in
June 2013 (56%), while it starts to increase
from July 2013 and consistently continued
up to November 2013. In December 2013
again decreasing trend was witnessed. A
53):

Jamalpur):

No meeting held in April 2013, May 2013
and in November 2013 percent of meeting
attendance was 11%. In rest of the period
the rate has been fluctuating within the
range of 78% to 100%. A graphical

Jamalpur):

Except June 2013 attendance rate was
consistently 67% for April 2013 to
November 2013. In rest of the months
(January, February and December 2013) it
was 89%, 95% and 100% respectively. A
55):

100 100 100 100 100 100 100 100 100 100 100
50
60
70
80
90
100
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov
%

o
f

A
t
t
e
d
a
n
c
e
Figure-51: GS meeting attendance in
Khamarshingjani-2 by month (Jan-Dec 2013)
100 100 100
83
89 89
97
100 100 100 100 100
0
20
40
60
80
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Figure-52: GS meeting attendance in Panch
Kahonia village by month (Jan-Dec 2013)
85
89 89 89
56
67 67
89 89
100
78
30
50
70
90
Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
%

o
f

A
t
t
e
n
d
a
n
c
e

Baniapara village by month (Jan-Dec 2013)
100 100 100
0 0
89
78
89 89
78
11
89
0
20
40
60
80
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Kaziakata village by month (Jan-Dec 2013)

30

Jamalpur):

Of the reporting period (Jan-Dec 2013) no
meeting held in April 2013 and November
2013. In rest of the months the percent of
attendance was consistently above 80%,
except December 2013 (78%). A graphical


Other than April and September 2013
(attendance 67% and 44% respectively)
percent of GS meeting attendance has
been fluctuating within the range of 78%
to 100% throughout the reporting period
(Jan-Dec 2013). A graphical illustration


In February 2013 and June 2013 percent of
meeting attendance was respectively 100%
and 94%. However, in rest of the reporting
periods (Jan-Dec 2013) the attendance rate
has been fluctuating within the range of
71% to 87%. A graphical illustration given
below (Figure-58):


In January 2013 and February 2013
percent of GS meeting attendance was
100% and 94% respectively. In March 2013
it was 89% and consistently continued up
to July 2013. In rests of the months of
reporting period (Jan-Dec 2013) no
meeting held in October and December
2013, while percent of attendance was
67%, 72% and 78% respectively in August,
September and November 2013. A
59):

89
95
67 67
56
67 67 67 67 67
100
50
60
70
80
90
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Figure-55: GS meeting attendance in Moja
Ata village by month (Jan-Dec 2013)
89 89 89
0
89 89
95
100
89 89
0
78
0
20
40
60
80
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Kuzghor village by month (Jan-Dec 2013)
78 78
89
78
67
89
100
89
44
84
100
89
40
50
60
70
80
90
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Figure-57: GS meeting attendance in Naldair
Purbopara village by month (Jan-Dec 2013)
83
100
87
78 78
94
81
71
72
78 78
83
60
65
70
75
80
85
90
95
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Figure-58: GS meeting attendance in Purba
Kolospar Uttar village by month (Jan-Dec
2013)
100
94
89 89 89 89 89
67
72
0
78
0 0
20
40
60
80
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Brammangathi village by months (Jan-Dec
2013)

31

96 96
96
98
97
96
92
96
89
92
87
91
80
85
90
95
100
%

o
f

A
t
t
e
n
d
a
n
c
e
Figure-61: Average GS meeting attendence rate in ten
fixed villages of Rangpur region by month (Jan-Dec
2013)
In first quarter of the reporting period
(Jan-Dec 2013) percent of GS meeting
attendance was consistently 100%. In
April it fell to 89% and continued up to
August 2013. In September-December
2013 it has been fluctuating within the
range of 56% to 89%. A graphical

6.8 Analysis of GS Meeting Attendance of Rangpur Region

6.8.1 Overall Attendance Scenario of Rangpur Region
Like as Jamalpur region, PMA team gathered information on the meetings of different VOs
of ten fixed villages by month for
the period of January 2013 to
December 2013 in Rangpur region.
However, for this report especially
GS meeting has chosen to analyze
the meeting attendance rate of GS
members. Based on the collected
information, by month average
attendance of ten villages has
prepared, which exposed a
satisfactory fluctuating trend. It is
observed that during the 1
st
quarter
of the year average meeting attendance remains static keeping the average attendance in
96%. In April 2013 the attendance rate reached to the peak (98%). Again, after the month of
April, it started to decline steadily until the month of July 2013. However, attendance rate
bounced back to 96% during the month of August 2013 as like the first quarter. After the
month of August 2013, the attendance rate has been fluctuating within 89% to 91%. The
graphical illustration (Figure-61) also presented the by month average attendance rate of ten
fixed villages, more in Annex-5.

Like as Jamalpur one more meeting of a particular village as well incident of no meeting also
considered in the analysis. In case of one more meeting average attendance of all meetings of
a village is considered as the attendance of the particular month. Nevertheless, in case of no
meeting, average attendance is prepared based on the status of those villages where
meetings are held.

6.8.2 GS meeting attendance analysis by villages of Rangpur Region

Village wise picture of NJG members used to attend in GS meeting in 10 fixed
villages is presented below:


All through the reporting period (Jan-Dec
2013) the percent of GS meeting
100 100 100
89 89 89 89 89
78
89
56
78
50
60
70
80
90
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Figure-60: GS meeting attendance rate in
Dhukuria village by month (Jan-Dec 2013)

32
attendance was consistently 100% in
Paschim Hindupara village. A graphical

04, Nilphamary):

January 2013 to August 2013 percent of GS
meeting attendance was consistently
100%. However, in September 2013 it fell
to 89% and consistently continued up to
December 2013. A graphical illustration

01, Dinajpur):

From January 2013 to May 2013, percent
of meeting attendance was consistently
100%. It began fell in June 2013 (89%) and
continued steadily to July 2012. Again it
rose to peak in August 20013. From
August 2013 to December 2013 the rate
has been fluctuating within the range of
89% to 100% (Figure-64):


In February, July and November 2013
percent of meeting attendance was
respectively 78%, 78% and 67% in Uttar
Laxmipur village. However in rest of the
months of the reporting period (Jan-Dec
2013) it was 100%. A graphical illustration


2013) the percent of meeting attendance
was not consistent. It has been fluctuating
within the range of 78% to 100%. A
66):

100 100 100 100 100 100 100 100 100 100 100 100
90
92
94
96
98
100
%

o
f

A
t
t
e
n
d
e
n
c
e

Figure-62: GS meeting attendence rate in
Paschim Hindupara village by month (Jan-
Dec 2013)
100 100 100 100 100 100 100 100
89 89 89 89
80
85
90
95
100
%

o
f

A
t
t
e
n
d
e
n
c
e
Adoriapara village by month (Jan-Dec 2013)
100 100 100 100 100
89
78
100
89
100
89
100
70
75
80
85
90
95
100
%
o
f

A
t
t
e
n
d
a
n
c
e

Figure-64: GS meeting attendence rate
inTeronia village by month (Jan-Dec 2013)
100
78
100 100 100 100
78
100 100 100
67
100
60
70
80
90
100
%
o
f

A
t
t
e
n
d
a
n
c
e

Uttor Laxmipur village by month (Jan-Dec
2013)

33

6. Ramkrisnopur Village (Batch: IV,

Except February 2013 (Attendance 100%),
throughout the reporting period (Jan-Dec
2013), percent of GS meeting attendance
was constant on 77% or 78%. A graphical


Except July 2013 (Attendance 100%),
throughout the reporting period (Jan-Dec
2013) percent of GS meeting attendance
was consistently 100%. A graphical


In most of the months of reporting period
(Jan-Dec 2013) percent of GS meeting
attendance was consistently 100%.
However in rest of the months it was
constantly 89%. A graphical illustration


In January 2013 percent of GS meeting
was 89%, which increased steadily and
reached to peak in April 2013 and
remained constant up to August 2013. It
fell to 67% in September 2013, again began
to increase from October 2013. A graphical


From January to July 2013 percent of GS
meeting attendance was consistently 100%
and began to fell in August 2013
89 89
100 100
89 89
100
89 89 89
78 78
70
75
80
85
90
95
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Figure-66: GS meeting attendence rate in Laxmir
Khamar village by month (Jan-Dec 2013)
78
100
77 77
78
77 77 77
78
77 77
78
70
75
80
85
90
95
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Ramkisnopur village by month (Jan-Dec 2013)
100 100 100 100 100 100
89
100 100 100 100 100
80
82
84
86
88
90
92
94
96
98
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Figure-68: GS meeting attendence rate in Purbo
Ramjibon village by month (Jan-Dec 2013)
100 100
89
100 100 100 100 100
89 89
100 100
80
85
90
95
100
%
o
f

A
t
t
e
n
d
a
n
c
e

Figure-69: GS meeting attendence rate in Moddya
Hat Bamunia village by month (Jan-Dec 2013)
89 89
93
100 100 100 100 100
67
78
89
78
60
70
80
90
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Borodurgapur-2 village by month (Jan-Dec 2013)

34
(Attendance 89%). The rate has been
fluctuating within the range of 78% to
100% in August 2013 to December 2013. A
71):

7. Lessons Learnt
PM Team has been capturing, documenting and sharing lessons of the project in a
regular basis. Throughout the reporting period i.e. January to December 2013,
following lessons are being learnt.

Lesson Learnt
Practice of existing project cycle and fixing/ imposing the target
in Nuton Jibon project influence the field staffs becoming
implementers rather than facilitators, and ultimately impede
institutionalization process.
Detail Insufficient time allocation for the ground level staff against assigned
tasks, topped by shouldering additional responsibilities (e.g.
dropout/turn over of staff or ad-hoc but priority unscheduled tasks),
in most cases compelled them to become an implementers rather than a
facilitators. This phenomenon generally leads to continued
dependency of VO members on respective field staff and finally slows
down the institutionalization process.
Action/Mitigation Initiatives are required from SDF management on multiple fronts, such
as, rational for allocating the tasks, retaining staff, training on time
management and gradual transfer of responsibilities (by field staff to
VO members). A review of project cycle management and target fixing
is recommended.

Lesson Learnt Fabricated and doctored progress of a project sometimes brings
(misleading) achievement, which often causes damage in the long run.
Detail To achieve the Appraisal milestone, special attention is given on
updating documents and keeping OTR up to the mark. In many cases
illicit ways and means are adopted to show fabricated progress.
However, reviewing the status of some 2
nd
generation villages,
inconsistent variations were observed on the trend of progress between
pre and post graduation periods. Such attempt to achieve short-term
gain, might lead to detrimental effect on the sustainability of the
project.
Action/Mitigation
Special attention is required from SDF management to stop the
practice of showing fabricated progress by adopting and
practicing accountability.

Lesson Learnt Lack of enabling & congenial environment and spaces in the
community institutions for flourishing `` Power Within hinders
leadership development process.
100 100 100 100 100 100 100
89 89
100
78
89
70
75
80
85
90
95
100
%

o
f

A
t
t
e
n
d
a
n
c
e

Figure-71: GS meeting attendence rate in Natshal
village by month (Jan-Dec 2013)

36
Detail Timely reformation of committees is important in promoting new
leadership and developing the capacity of VOs. While the tenure of the
VOs has expired in many cases, sill no initiative is observed regarding
reformation. On the other words there is a process fault for generating
demand of leadership.
Action/Mitigation Leadership development is very critical for the sustainability of the
community institutions thus it needs in-depth analysis to have an
insight and accordingly it needs to develop intervention plan.

Lesson Learnt Enabling environment is needed for adopting cross learning culture,
creating space for all level staff and communities, and encourage in
practicing Trial and Error approach.
Detail Absence of enabling learning environment has been prevailing in
project system. Blaming culture, making CFs solely liable for the failure
of attaining task without taking responsibility by entire team found
exist. Poor enabling environment also limiting the learning and sharing
culture.
Action/Mitigation Effective and timely communication of learning needs to be ensured.
As well as congenial forum for all stakeholders to share their learning
freely should be created.
Lesson Learnt Existing capacity building process is not enabling to enhance the
awareness of VO members on the fundamental project rules that lead to
organizational/institutional weakness.
Detail The understanding of project rules is essential for the sustainability of
the village organization. Most of the general VO members have poor
understanding on basic project rules. The scenario is not different in
case of VO key person, but it is indispensable for the key person to have
sound understanding on project rules.
Action/Mitigation Regular discussion on project rules should be ensured in VO meetings.
The conflicts of the village should be mitigated according to project
guideline.
Lesson Learnt Unfair benefits taken by the group leaders creates suspicious
environment in the groups that stalled the normal functional process of
VOs.
Detail In some cases the VO key persons are involved with financial
misappropriation. Nevertheless, trend of irregularity in depositing
savings and loan instalment (repayment) by the VO key persons is also
revealed. Consequently many hard-core poor cannot mobilize
savings/loan instalments and become frustrated.
Action/Mitigation The authority should take strong measures to ensure transparency at
VO level. More communication and information exchange may increase
trust in the community.

Lesson Learnt Effective O&M strategy needs to address by creating ownership feeling
among the community people. Ownership crisis stand as an obstacle,
which limiting the useful long-term use of implemented sub-projects.
Detail To enhance the social capital, with project support different types of
sub-projects viz. roads, culverts, office, and drainage system have been
implemented. The sub-projects have immense importance for the
promotion of rural livelihood. However, the sub projects are losing

37
their potentiality due to absence of proper maintenance mainly due to
lack of ownership among the beneficiaries. As a result, the condition of
the sub-projects is deteriorating over time and limiting
effective/optimum usages of the implemented facilities.
Action/Mitigation Common consensus of the community people is required.
Lesson Learnt It is required to tackle the irregular or defaulting trends of key persons.
Said trend influenced other general members to follow the suit that
blocking/hampering the recovery process of savings and loan
instalments.
Detail Due to lack of willingness and absence of legal obligation, most of the
key persons of the VOs are not paying their instalments on regular
basis and some of them become defaulter after crossing their timeline of
SF and IL recovery. The practice is creating doubts and dissatisfaction
among the general members; and eventually they are not paying
instalments following the course of defaulter leaders.
Action/Mitigation SDF management can arrange awareness program to make the key
persons accountable to regular recovery and facilitate the VO members
on taking exemplary action against the defaulter/irregular key persons.
Lesson Learnt More focus needs on institutionalization process. Emphasize on
revolving of SF, rather than strengthening the institution ultimately
causing huge overdue and idle fund that blocks the future revolving
process.
Detail One of the major targets of SF is to promote of livelihood opportunity
and income generation in the villages. After reviewing the 2
nd

generation villages, it is found that revolving process of SF is not
functional as huge amount of money is remaining idle in the bank as
well as overdue is remaining to be collected from default members. SF
disbursement process is being hampered seriously as
institutionalization process is almost absent here.
Action/Mitigation Proactive initiatives should be taken by SDF management to strengthen
the village organizations. Additional effort also required to recover the
overdue loan and for the disbursement of the idle fund.

8. Conclusion
This report presents the process monitoring activities which have been undertaken by the
PMA during the last 12 months (January December 2013). This report is the first Annual
Report of activities in the current phase. PM Team prepared and submitted all the targeted
deliverables of the reporting period. In all the cases of preparing and submitting the reports,
PMA tried best to maintain schedule and quality. Mentionable, SDF has valued all the
deliverables and PM findings. PM team brought a host of diversified issues and shared them
with each tier (Community to Region). Furthermore, SDF has taken initiative to conduct
monitoring and learning workshops at district, cluster and village level. PMA attended
those meetings and shared the respective findings. Significant number of issues was
resolved through this sharing process as the authority took quick actions just immediately
after sharing of PMA findings. The institutionalization of learning mechanism would be
very much effective for the betterment of project activities. Nevertheless, details analysis on
the findings of the fixed villages also helps the concern stakeholders, particularly SDF to
learn about the trend of some key indicators.

38
Annex 1: List of all issues of year-1 (February-December 2013)

List of all issues including issue subject, covered villages and management level are given in
the table below:

Sl No. Issues Issue Subject # of observed
villages
Level of issue
Jamalpur Region
February 2013
Position of secretary found
absent in the composition of
SSC key position.
Governance 7 Region
Gap in signing umbrella
agreement
Governance 5 Region
March 2013
Functioning of youth group

Institutionalization 30 Community
Most of the vulnerable not use
the one time grant to start IGA
Livelihood
Improvement
14 District/cluster
Bank account of SSC operated
by such a person who is not a
member of the SSC
Governance 01 Community
Irregularities in disbursement
of vulnerable grant
Selection rules are not followed
in replacing former members
April 2013
Recovery process found absent
on overdue of Swabolombi Rin
that hinder the revolving
process of SF
Livelihood
development
08 Community
Selection of trade for youth skill
development violating the
direction of COM
Livelihood
Development
11 District/Cluster

CPs and VO key persons are
irregular in depositing savings
and recovery of Swabolombi Rin
Functioning status of SAC Institutionalization 28 Community
Cheque issue register was not
maintained properly by VOs
Transparency 20 Community
May 2013
Prioritization of trade not
practiced in disbursement of
Swabolombi rin (SR)
Livelihood
Development
09 Region
VOs follows fortnightly savings
(not weekly)
Institutionalization 20 Central
Delay in utilization of IDF

Absence of maintenance of
implemented sub project
Sustainability

03 Community

39
villages
Level of issue
Gaps in documentation process
of GS/VCO cash book
Transparency 04 District/cluster
Direction of COM not
addressed in purchasing of GS
office land
Cost Effectiveness 14 Region
June 2013
Procedural anomalies in
training
Capacity building 05 Region
Irregularities in Community
contribution collection process
Governance 16 Central
Disbursement of Swabolombi rin
(SR) without providing training
Capacity Building 09 District/Cluster
Irregularities in conducting GP
meeting
Poor Performances of
Procurement Committee
Accountability 31 Community
OTR analysis on pre and post
period of graduating in 2
nd

generation
Institutionalization 07 Region
July 2013
Irregular recovery of youth skill
development loan
Sustainability 15 Community
VO key persons are
withdrawing money from
Swabolombi Fund
Understanding level of VO
members on Dash Neeti
Unsatisfactory Recovery Status
of Swabolombi rin (SR) is in
batch III villages
Improper functioning of
Finance Committee
August 2013
Financial anomalies in
purchasing GS office and
training materials
Utilization of CISF-1 activity is
delayed
Timeliness 12 Community
Embezzlement of Swabolombi
Fund (SF) by GS & VCO key
persons
Irregularities on the deposition
of loan security fund
Community Assessment
Process (CAP) not functioned
properly
Accountability 47 District/Cluster
September 2013

40
villages
Level of issue
Incorrect information generated
in Input form
Governance 42 District/Cluster
Swabolombi Rin recovery rate
shows a declining trend
Irregularities in conducting
monitoring & learning
workshop at cluster level
Learning &
Communication
10 Region
VO members are not conscious
about the importance of
meeting
Poor utilization of youth skill
development training loan fund
Capacity Building 26 Region
Training learning /experience
not disseminated among NJG
members
Learning &
Communication
33 District/Cluster
October 2013
Non-compliance of the steps in
disbursement/operation of
Swabolombi Rin
Livelihood
Development
20 District/cluster
Unsatisfactory functioning of
Youth Volunteer Group
Capacity Building 25 District/cluster
Rescheduling of Swabolombi
Rin
Follow-up is absent on reported
recommendations of SAC
Accountability

38 District/cluster
Absence of recovery of overdue
SF deterred the revolving
process of SF
November 2013
Irregularities in accumulation
of emergency fund
Inclusiveness

31 District/cluster
Performance of batch-I villages
is deteriorating
Impractical sub-project
budget/plan for setting up of
tube-well
Cost effectiveness 1 District/cluster
Prescribed design was not
followed in drain construction
Cost-effectiveness 1 Community
Fund release service standard
not maintained
Cost-effectiveness 27 Central
Knowledge inadequacy of SPC
members about their own
responsibilities
December 2013
Anomalies in trade wise
utilization of Swabolombi Fund
Livelihood
Development
15 District/cluster
Improper management of VOs Accountability 49 Community

41
villages
Level of issue
display board (DB)
Impoverish performance of
producer groups in 2
nd

generation villages
GS office construction lags
behind
Cost effectiveness 10 Community
Irregularities in execution of
SDF management decision
regarding Van
Information
Sharing
30 District/cluster
Deviation of Process in signing
MoU between GS and VCO
Governance

15 District/cluster
Rangpur Region
February 2013
Recovery process of the youth
skill development loan is not
functioning properly
Youths received training on
computer, failed to be
employed
Livelihood
Improvement
3 Central
March 2013
Deviation in VCO bank
deposition and documentation
Transparency and
Accountability
5 District/cluster
Same persons holding
executive positions both in VOs
and NJCSs
Governance 4 District/cluster
PC does not submit monthly
report to GS
Transparency and
Accountability
12 Community
April 2013
Documenting OTR through
applying wrong calculation
Swabolombi rin recovery sheet
is not being updated regularly
and different formats are used
Accountability 20 District/cluster
Significant dependency on CF
still prevails in 2
nd
generation
villages
Capacity Building 16 Central
Unauthorized persons operate
VCOs financial activities
VOs are not updating display
information
May 2013
Environmental and social
impact assessment is not
assessed properly
Inclusiveness 26 Region
Utilization of CISF (Others)
centralized only on Roads and
Culverts
Cost effectiveness 21 Region

42
villages
Level of issue
Disaster preparedness
measures are not taken
properly
Sustainability 44 District/cluster
Absence of reformation practice
of VOs limiting the leadership
development process
Utilization and recovery status
of Swabolombi rin
Livelihood
Improvement
29 Community
June 2013
Monitoring system at VO level
is not functioning properly
A good number of youths are
being excluded from project
benefit
Inclusiveness 39 Central
VOs are not formed with
youths as provisioned in COM
Inclusiveness 39 Community
Community assessment process
(CAP) is not functioning
properly
July 2013
Livelihood options and
trainings are limited to few
activities
Livelihood
Development
49 Central
Comparison on OTR status
before and after of graduation
in 2
nd
generation
Sustainability 16 Region
NJGs are not active on
collecting swabolambi rin as the
process is more VCO and CF
dependent
Inclusiveness 22 Community
Household List is not updated
on a regular basis
Inclusiveness 47 Central
A good number of indigenous
people are excluded from
Nuton Jibon Project
Inclusiveness 09 District/Cluster
August 2013
Dissemination and Follow up
of the QMLW decisions is not
effective
Learning &
Communication
45 Region
Analysis on the content of GP
meeting resolution
Loan Assessment Committee is
not working properly
Livelihood
Improvement
20 Community
Same persons are holding the
key positions both in SSC and
VCO by violating COM
Association with MFIs is still Sustainability 21 Region

43
villages
Level of issue
active within the beneficiaries
of Nuton Jibon project
September 2013
Dissimilarities between actual
verses input form information
Governance 28 District/Cluster
Exclusion of vulnerable people
from project support
Inclusiveness 51 Region
Poor functioning of youth
groups (/Capacity Building)
Non-functioning of Internal
Lending increased the trend of
idle fund
Sustainability 49 Central
October 2013
Fund release service standard
not maintained
Cost-effectiveness 33 Central
Occupational harmony not
maintained in formation of
Producer Group
Livelihood
Development
14 Region
CISF expenditure related
documents found absent
Transparency 5 Community
Key positions are becoming
irregular/ defaulter in recovery
of Internal
Lending/Swabolombi Rin
Sign Boards are not installed in
implemented sub-projects
November 2013
Increasing trend of overdue
and idle fund hindered the
revolving of SF in 2
nd

generation villages
Excessive dependency hindered
functioning of the Community
Book Keepers
Absence of maintenance of
implemented sub-projects
Involvement of VO members
spouses is hampering the VO
activities
Non-compliance of
procurement procedures
December 2013
Yearly disbursement and
number of loans are declining
gradually in the 2
nd
generation
villages
Sustainability 20 Region
Performance of the 2
nd

44
villages
Level of issue
generation villages has
deteriorated
Participatory method of
allocation of VDRRF to VOs
was not followed
Governance 29 Central
Irregularities in disbursement
of SF-1
Livelihood
Development
17 Region
Comparative analysis on self-
employed vs. wage employed
youths
Livelihood
Development
42 Central
Analysis on the functioning of
the villages of different Batches


45
Annex 2: Specific observation on action status of PMA findings
(February 2013 to November 2013)

A. Jamalpur Region
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities &
time line
Decisions wise
actions Status
Issues wise
actions status
February 2013
01. Position of secretary
found absent in the
composition of SSC
key position
Governance

- Ensure proper follow up to
resolve such types of gap.
CF, CTL, DT.
Time: Continuous
Partially
Resolved
Partially
Resolved
02. Process deviation in
signing umbrella
agreement
Governance
/Transpare
ncy
- All contents and clauses of any
sorts of agreement must discuss in
formal meeting of respective VOs
and documented in the meeting
minutes. In violation of said
decision, action will take against
respective field staffs
CF, CTL, DPO.
Time: Continuous
Resolved Resolve
March 2013
03. Comparison on the
functioning of youth
group
Institutiona
lization/Ca
pacity
Building
- Required action will be taken by
specialist youth employment.
RS (Y&E). Time:
Continuous
Partially
Resolved
Partially
Resolved
04. Irregularities in
disbursement of
vulnerable grant
Governanc
/Transpare
ncy
- Grant should not disburse among
the outsiders of listed vulnerable.
Considering physical condition,
other family member can assist the
grant recipient to manage the
fund.
RS (Livelihood).
Time:;
Continuous
Resolved Resolved
- Specialist livelihood should take
action in this regard
RS (Livelihood).
Time:;
Continuous
Resolved
05. Most of the
vulnerable not use
the one time grant to
start IGA
Livelihood
/Sustainabi
lity
- Ensure right trade selection for
the vulnerable. Trade for the
vulnerable must select according
to the own opinion of the
vulnerable.
RS (Livelihood).
Time: Continuous
Mostly
Resolved
Mostly
Resolved
- Specialist livelihood should take
required action regarding this.
RS (Livelihood).
Time: Continuous
Mostly
Resolved
06. Bank account of SSC
operated by such a
person who is not a
member of the SSC
Accountabil
ity/Transpa
rency
- Though it is a single incident but
alarming. Field level staff should
be more conscious to resolve such
types of gap.
CF, CTL& DPO.
Time: Continuous
Resolved Resolved
07. Rules are not
followed in
replacing of VO
members
Governance
/Sustainabi
lity
- All sorts of replacement must
accomplish following the
guideline of COM.
CF, CTL& DPO.
Time: Continuous
Resolved
April 2013
08. Recovery process
found absent on
overdue of
SwabolombiRin that
hinder the revolving
process of SF
Livelihood
Improveme
nt/Sustaina
bility
- Physical visit should paid in
village leve and discuss in GP
meeting to collect the over due
loan.
Respective DPM,
DPO, CTL, CF
&GP. Time:
August,2013
Resolved Partially
Resolved
- Recovery of overdue ensured by
June13 20%, July13 40% and
August13 100%. Regional
Program Director will supervise
the recovery of overdue amount
RPD, Respective
DPM, DPO, CTL,
CFs &GP. Time:
August,2013
Partially
Resolved
09. CPs and VO key
persons are irregular
in depositing
savings and
recovery of
SwabolombiRin
Accountabil
ity/
Sustainabili
ty
- By June13 recovery of due
savings and installments of the
CPs and VO key persons have to
be ensured. Action will take
against the defaulter CPs.
Respective DPM,
DPO, CTL &CFs
Time: June13

Partially
Resolved
Partially
Resolved
10. Selection of trade for
youth skill
Livelihood
developme
- COM guideline regarding SDTL
disbursement should be followed
RS (Y&E), DPM
(All), DPO (Y&G)
Partially
resolved
Partially
resolved

46
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities &
time line
Decisions wise
actions Status
Issues wise
actions status
development
violating the
direction of COM
nt/Sustaina
bility
All, All CF & CTL.
Regular work
- Profitable trade has to be
considered for selecting the SDTL.
COM guideline should be
followed during loan
disbursement on computer and
tailoring. Otherwise action will be
taken against respective persons
RS (Y&E), DPM
(All), DPO (Y&G)
All, All CF & CTL.
Regular work
Partially
resolved
- Involvement of youth group
members of less than 18 years is
strictly prohibited
RS (Y&E), DPM
(All), DPO (Y&G)
All, All CF & CTL.
Regular work
Partially
resolved
11. Functioning status
of SAC
Institutiona
lization/Ca
pacity
building
- Handy training should provide
for the capacity building of SAC.
Meeting resolution and report of
SAC should not be written by CF.
If written then action will take
against responsible person.
RS (G&A) and
DPO (G&A),
CTLs, CFs. Time:
Continuous.

Partially
Resolved
Partially
Resolved
- For the capacity building of SAC
discussion should be held in
regular basis at field level
DPMs and CTLs.
Time: July13
Partially
Resolved
- Initiative should be taken for the
reformation of SAC with the other
skill and educated members of a
village.
RS and DPO
(G&A), CTLs and
CFs.
Time: July13
Mostly
Resolved
12. Cheque issue
registers not
maintained properly
Accountabil
ity/Transpa
rency
- Using of cheque issue register in
all respective VOs should be
ensured by June13 and continue
the updating process in regular
basis.
DPM, RS and
DPO (CF), CTL
and CF(BK) Time:
June13 , regular
work
Resolved Resolved
May 2013
13. VOs Follow
Fortnightly Savings
Arrangement (not
weekly)
Institutiona
lization/Su
stainability
- The importance and advantages
of weekly savings should discuss
in VO level to aware the members
on weekly saving. In all villages
one Van has to be purchased,
beside IGA it will use for the bank
deposition of VOs
CT, DT and RT,
regular work
Not resolved Not Resolved
- Initiative should be taken to alter
the monthly savings to fortnightly
and fortnightly to weekly.
Monthly deposition will not allow
in further
RS (CF), DPO
(CF) and CF (BK)
Time: July13
Not resolved
- A discussion will be held in SDF
management level on time frame
of savings deposition.
RS (CF), DPO
(CF) and CF (BK).
Time: July13
Ongoing
14. Absence of
Maintenance of
Implemented Sub-
projects
Sustainabili
ty/ Cost
Effectivenes
s
- Conduct discussion with
SPC/VDMC in a regular basis on
the O&M of implemented sub-
projects. During their field visit all
project staffs must visit the sub-
project sites and take measures
accordingly
DPO (Tech) &
CF(Tech) Regular
work
Not Resolved Not Resolved
DPO (Tech) &
CF(Tech) Regular
work
Not Resolved
15. Direction of COM
not addressed in
purchasing of GS
office land
Linkage
building/
Cost
Effectivenes
s
- Initiative should take to
indentifyKash land/donor for GS
office. Project staff will share with
legal advisor about the procedure
of the registration of donated/
Kash land and inform SDF
management.
RPD, DPM(all)
CFs and CTLs.
Regular work,
Time: June,2013
Ongoing Ongoing
- If anybody wants to donate land
for GS office, it can accept but
RPD, DPM and
CTLs. Time:
Ongoing

47
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities &
time line
Decisions wise
actions Status
Issues wise
actions status
registration has to be ensured in
name of VO. The name of land
donor can be written in GS office
nameplate
Continuous
16. Gaps in document-
tation process of
GS/VCO cashbook
Transparen
cy/Sustaina
bility
NA DPO (CF) & CF
(BK), Time:
Continuous
Ongoing Ongoing
17. Prioritization of
trade not practiced
in disbursement of
Swabolombirin (SR)
Livelihood
improveme
nt/Sustaina
bility
- It is needed to ensure the trade
priority list according to COM
before disbursement of SR.
All DPM, all DPO
(Livelihood).
Time: Continuous
Not Resolve Not Resolve
- On hand training should provide
to the project staffs about the
process of trade prioritization.
RS (Livelihood)
all DPO
(Livelihood).
Time: Aug13
Not Resolve
18. Delayed Utilization
of IDF
Institutiona
lization/Su
stainability
- Initiative should take to spend
the idle IDF according to plan
without any delay.
CT and DT. Time:
July13
Resolve Resolve
June 2013
Community
contribution
collection process
Inclusivene
ss/Sustaina
bility
- Awareness building about the
purpose of community
contribution and involvement on
contribution process of villagers is
required.
DPM, DPO, CTL,
CF and GS.
Time: Sept13 and
Continuous
20. OTR analysis on pre
and post period of
graduating in 2
nd

generation
Institutiona
lization/Su
stainability
- Recommendation to 2
nd

generation villages is inadmissible
without achieving target.
AMT and DT.
Time: Sept13 and
regular work
Follow up
ongoing
Partially
Resolve
- Recovery of all loans in 2
nd

generation villages should be
above 95%. Everyone should be
sincere to not fall the recovery
rate.
RPD, DPM, DPO,
CTL, CF and GP.
Time: Sept13 and
regular work
Partially
Resolve
21. Procedural
anomalies in
training
Capacity
building/Tr
ansparency
/Livelihoo
d
- Training will be conducted to the
prepared subject wise training
module.
RS & DPO
(Livelihood), CB
Cell. Time: Oct13
Resolve Mostly
Resolve
- Regular observation is needed so
that CPs/LSPs provide training
according guideline.
DPO,CTL & CF
Time: Regular
work
Mostly Resolve
conducting
GPmeeting
Accountabil
ity/Inclusiv
eness
- No decision will be taken
without satisfying the quorum of
GP meeting. Proper action will be
taken if GP book found occupied
by project staff members.
All DPM, DPO,
and CTL. Time:
Sept13. Regular
work
Partially
Resolve
Partially
Resolve
- Meeting date and time should
not be fixed according to the
convenience of cluster team.
Fixing of meeting time and date
must be conducted by discussing
with villagers by October, 2013.
Respective project staff members
will ensure the GP meeting
conduction according scheduled
time.
DPM, RS & DPO
(MEL), CTL, CF.
Time: Oct13
Regular work
Partially
Resolve
23. Disbursement of
Swabolombirin (SR)
without providing
training
Capacity
Building/Li
velihood
improveme
nt/Sustaina
bility
- It has to be ensured in field level
that no loan disbursement will be
occurring without training
DPM, RS & DPO
(Livelihood), CTL,
CF.
Time: Sept13
Regular work
Resolve Resolve
- Training will be provided to
beneficiaries who have received
loan without training.
DPM, RS & DPO
(Livelihood), CTL,
CF.
Time: Sept13
Regular work
Resolve
24. Poor Performances
of Procurement
Committee
Transparen
cy/Account
ability
- COM guideline should be
followed during procurement. PC
will inform the GP and GS
regularly about the procurement.
CTL, CF (BK), GS,
PC.
Time: Sept13.
Regular work
Partially
Resolve
Partially
Resolve

48
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities &
time line
Decisions wise
actions Status
Issues wise
actions status
All procurement related
discussion will be took place in
procurement committee meeting
and should be documented
July 2013
25. Irregular recovery of
youth skill
development loan
Capacity
building/li
velihood
improveme
nt/sustaina
bility
- All overdue loan amount needs
to be recovered by December,
2013.
DPM, RS, DPO,
CTL, CF and GP.
Time: Dec13
Partially
Resolve
Partially
Resolve
26. VO key persons are
withdrawing money
from Swabolombi
Fund (SF) in
disguise
Transparen
cy/Account
ability
- The said money needs to be
collected by November, 2013. The
village list will be collected from
report of PMA.
RPD, respective
DPM, DPO, CTL,
CF and GP.
Time: Nov13
Partially
Resolve
Partially
Resolve
27. Unsatisfactory
Recovery Status of
Swabolombirin (SR)
is in batch III
villages
Livelihood
Developme
nt/Sustaina
bility
- Recovery of SwabolombiRin
cannot be less than 95% in any
circumstance. The recovery rate of
the said villages should be
improved by visiting it.
Respective DPM,
DPO, CTL, CF
and GP.
Time: Spt13
28. Improper
functioning of
Finance Committee
Transparen
cy/Account
ability
- All payments during
procurement will be paid by
finance committee.
CTL, CF (BK) and
GS.
Time: Regular
work
Mostly Resolve Mostly
Resolve
- Finance committee will prepare
report according to format.
DPO (CF), CTL,
CF (BK) and FC.
Time: Regular
work.
Mostly Resolve
29. Understanding level
of VO members on
Dash Neeti
Empowerm
ent/Sustain
ability
- Regular discussion should be
performed in GP meeting and
group meeting.
DPO, CTL, CF,
GS.
Time: Regular
work
Partially
Resolve
Partially
Resolve
August 2013
30. Financial anomalies
in purchasing GS
office and training
materials
Transparen
cy/Account
ability/Gov
ernance
- Regional team will take action
oriented initiative in this regard.
RT.
Time:
December13
Partially
Resolve
Partially
Resolve
31. Utilization of CISF-1
activity is delayed
Cost-
effectivenes
s
/Institution
alization
- Initiative has to be taken to
expedite the utilization of CISF.
Respective
specialist and
field team. Time:
Jan14
Resolve
32. Embezzlement of
Swabolombi Fund
(SF) by GS & VCO
key persons
Transparen
cy/Account
ability/Gov
ernance
- Regional team will take action in
this regard.
RT.
Time:
December13
33. Community
Assessment Process
(CAP) not
functioned properly
Governance
/Accountab
ility/Capac
ity building
- Action has to be taken on regular
basis in conducting CAP.
CF, CTL and
DPM.
Time: Continuous
34. Irregularities on the
deposition of loan
security fund
Accountabil
ity/Transpa
rency/Gov
ernance
NA CTL, CF
Time: Sep13
Resolve Resolve
September 2013
35. Incorrect
information
generated in Input
form
Governance
/Informatio
n Sharing
- Tier wise (Field to HQ), sample
basis follow up can reduce the
extent of dissimilarities. Circular
by MD should be issued regarding
crosschecking of data and on
producing authentic information
in input form by level of staff.
Manager M&L
and field level
concerned staff.
Time: Jan14
Partially
Resolve
Partially
Resolve
36. SwabolombiRin
recovery rate shows
a declining trend
Livelihood
Developme
nt/Sustaina
- A quarterly or monthly milestone
will be set for field level staffs to
ensure improvement in OTR.
RS (CF) and DT.
Time: Jan14
Resolve

49
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities &
time line
Decisions wise
actions Status
Issues wise
actions status
bility
conducting
monitoring &
learning workshop
at cluster level
Information
Sharing/
Institutiona
lization
- SDF-HQ monitoring department
would draft an office order on
timely conduction of monitoring
workshop at region, district and
cluster level and circulate through
MD.
Manager M&L.
Time: Jan14
Resolve Resolve
38. VO members are not
conscious about the
importance of
meeting
Institutiona
lization/Su
stainability
- Immediate action will be taken to
make the VO members aware on
the importance of meeting.
CB cell, field
team.
Time: continuous
39. Poor utilization of
youth skill
development
training loan fund
Livelihood
developme
nt/Capacit
y Building
- Specialist youth employment
should provide the reviewed
findings to PMA, PMA field team
further cross-check the findings.
RS (Y&E) and
PMA
Time: Dec13
Partially
Resolve
Partially
Resolve
40. Training learning
/experience not
disseminated among
NJG members
Capacity
building/
Information
sharing
- A directive on this regard will be
circulated.
Manager M&L.
Time: Jan14
Ongoing Ongoing
October 2013
41. Non-compliance of
the steps in
disbursement/opera
tion of
SwabolombiRin
Livelihood
Developme
nt/Capacit
y building
- The steps should be reviewed
and rearranged in revised COM
based on the field learning.
RT. Time:Jan14 Ongoing Ongoing
42. Unsatisfactory
functioning of Youth
Volunteer Group
Capacity
Building/S
ustainabilit
y
- Immediate action has to be taken
to make the volunteer group more
functional.
Respective
Specialist, CF,
CTL and DPM.
Time: Continuous
Partially
Resolve
Partially
Resolve
43. Follow-up is absent
on reported
recommendations of
SAC
Governance
/Accountab
ility
- SAC members will be facilitated
with more training and simple
reporting template should be
designed for SAC in the revised
COM.
Governance
Department SDF-
HQ, CF, CTL and
DPM.
Time:Jan14
Ongoing Ongoing
44. Absence of recovery
of overdue SF
deterred the
revolving process of
SF
Livelihood
Developme
nt/Sustaina
bility
- Quick and effective initiatives
will be taken to recover the
overdue installments.
RS (CF), CF, CTL
and DPM. Time:
Continuous
Partially
Resolve
Partially
Resolve
45. Rescheduling of
SwabolombiRin
Livelihood
/Accountab
ility/Gover
nance
- Reschedule must not be allowed
other than genuine cases and it
would not be more than 4-5
installments. Clear guideline on
rescheduling issue will be
incorporated in revised COM.
RS (CF). Time:
Continuous
Resolve Resolve
November 2013
46. Performance of
batch-I villages is
deteriorating
Institutiona
lization/Su
stainability
- For improving the performance
of Batch-I/2
nd
generation villages
required initiative should be taken
from next month.
Respective
Specialist and
field team. Time:
Jan14
Partially
Resolve
Partially
Resolve
2. A periodic (quarterly or
monthly) milestone will be set for
field level staffs to improve the
OTR status.
RS (CF) and DT.
Time: Jan14
Partially
Resolve
Partially
Resolve
47. Prescribed design
was not followed in
drain construction
Cost-
effectivenes
s/Transpar
ency
- Payment should be given based
on the actual construction.
Respective officials will ensure it.
CF (Tech) and DT
Time: Dec13
Resolve Resolve
accumulation of
emergency fund
Governance
/Accountab
ility
- A clear guideline on emergency
fund will be prescribed in revised
COM.
Respective
specialist
Time:Jan14
Ongoing Ongoing
49. Fund release service
standard not
maintained
Timeliness/
Cost-
effectivenes
s
- In COM revision, uniform time
line of fund release service
standard has to be ensured.
Specialist Team
Time: Jan14
Ongoing Ongoing
50. Knowledge Institutiona - SPC member selection process Respective Not Resolve Not Resolve

50
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities &
time line
Decisions wise
actions Status
Issues wise
actions status
inadequacy of SPC
members about their
own responsibilities
lization/Su
stainability
will be sharpened further.

Specialist HQ,
Cluster and
Regional team.
Time: Continuous
- Arrange refresher training for
already trained members.
Respective
Specialist HQ,
Cluster and
Regional team.
Time: Continuous
Not Resolve
51. Impractical sub-
project budget/plan
for setting up of
tube-well
Cost
effectivenes
s/informati
on sharing
- Technical estimation will be cross
checked and fixed.
RS (Tech). Time:
Jan14

NA Ongoing

Summary of the action status of Jamalpur region is given in the table below:
Sl.
no
Present follow up status
of Findings/issues
Total
number
%
1 Resolved 10 20
2 Mostly Resolved 5 10
3 Partially Resolved 19 37
4 Ongoing 8 15
5 Not Resolved 9 18
51 100

B. Rangpur Region
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities
& time line
Decisions wise actions
Status
Issues wise
actions status
February 2013
01. Recovery process of
the youth skill
development loan is
not functioning
properly
Sustainabili
ty
Employment opportunities
must be linked up while
providing any kind of
training.

Cluster and
District team,
Regional
specialist
Time:
Continuous
Process
After visiting in 29
villages, it is found that
in 16 villages recovery
process of the youth
skill development loan
is functioning properly.
Partially
Resolved
02. Youths received
training on
computer, failed to
be employed
Livelihood
Developme
nt
For computer training,
education (minimum HSC
level), scope/opportunities,
and capacity level of the
youths must be taken under
strong consideration.
The beneficiaries of computer
training must be finalized
with the concurrence of
respective district and
regional officials.
Cluster and
District team,
Regional
specialist

Time:
Continuous
Process
After visiting 16
in 10 villages youths are
employed after
receiving training on
computer.
Mostly
Resolved
March 2013
03. Deviation in VCO
bank deposition and
documentation
Transparen
cy
Immediate initiative should
be taken to resolve the
irregularities.
- The all field staffs should
aware on further repetition of
such gap.
Concern
DPM,CTL and
CF
Time:
Continuous
Process
villages it is found that
in 6 villages there are
dissimilarities in the
documentation and
bank deposition.
Resolved
04. Same persons
holding executive
positions both in
VOs and NJCSs
Governance Immediate initiative should
be taken to resolve the
irregularities.
Within 3 months of inclusion
in NJCS the village level
positions of the included
persons will be abolished.
Respective field staffs will
take action accordingly.
DPM,CTL and
CF
Time:
Continuous
Process
Resolved Resolved

51
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities
& time line
Status
Issues wise
actions status
05. PC does not submit
monthly report to
GS
Accountabil
ity
DPM Kurigram will send the
format to SDF-HQ.
SDF management will review
the format and take initiative
to circulate a common matrix
for field level use.
DPM Dinajpur,
SDF
Management
Time: May13

villages report of PC is
not found in 7 villages.

Partially resolved.
Partially
Resolved
April 2013
06. VOs are not
updating display
information
Accountabil
ity
By August 2013, all the
Display Boards should be
updated and the process
should continue on regular
basis.
CTL, CF (All)
Time: August
2013
Regular work
After visiting 51
the process is not
followed in 14 villages.
Mostly
Resolved
07. Documenting OTR
using wrong
equation
Transparen
cy
OTR should be calculated
following the prescribed
method. Collected advance
and due amount might not
be added with current
realization of the particular
month.
Specialist
(Community
finance), CTL,
concern DPO
(All) Time:
Regular work
in 30 villages the
documentation process
is being followed
properly.
Resolved
08. Swabolombi rin
recovery sheet is not
being updated
regularly and
different formats are
used
Accountabil
ity
Uniform recovery sheet
should be used in all villages
and updating of recovery
sheet must be ensured on
regular basis.
To get required recovery
sheet requisition should be
send to SDF-HQ.
Specialist
(Community
finance)
Time: August
2013

in all villages, VOs are
using same type of
recovery sheet. It is also
found that in 32 villages
VOs are updating their
recovery sheet on
regular basis.
Resolved
09. Significant
dependency on CF
still prevails in 2
nd

generation village
Capacity
Building
Needs to improve the
facilitation skill of CFs.
Initiative should be taken to
arrange related training.
DPM
(Gaibandha),
Specialist(ICB)
Time: Sept 2013
After visiting 6 villages
in Gaibandha, it is
found that activities of
the VOs are remaining
highly dependent on
CFs although CFs
received training from
regional office.
Partially
Resolved
10. Unauthorized
persons operates
VCOs financial
activities
Governance Outsider as well as project
staffs must not be involved
with any sorts of financial
dealings. Immediate
initiative should be taken to
recover the embezzled
amount and stop interfacing
of outsiders in the observed
villages.
DPM, CTL,
(All)
Time: July 2013
After visiting 35
villages, involvement of
outsiders in VOCs
activities cannot be
found.

Resolved
May 2013
11. Disaster
preparedness
measures are not
taken
properly
Sustainabili
ty
Necessary equipments
regarding first aid box and
Rikshaw van will be
purchased in villages that
have received 1
st
and 2
nd

installments of IDF.
Regional
specialist
(ECCRR)
Time: Sept 2013
in 24 villages first aid
box has been purchased
and in 6 villages it is
found that Rikshaw van
has been purchased.
Partially
Resolved
12. Utilization of CISF
(Others) centralized
on Roads and
Culverts
Cost-
effectivenes
s
Using the fund of CISF
(Others) will be extended
among other sub-projects
based on local demand.
Specialist
(Technical),
Concern DPO,
CTL. (All)
Time: Regular
work
in 19 villages allocation
of CISF (Others) is
confined among roads
and culverts. In the 4
villages of Naogaon
and Dinajpur district
has taken subprojects
on sanitary latrine and
tube well.
Not Resolved
13. Absence of
reformation practice
Institutiona
lization
Discussion is needed with
SDF management regarding
SDF
Management
Resolved

52
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities
& time line
Status
Issues wise
actions status
of VOs limiting the
leadership
development
process
the reformation of VOs Time: August
2013
in 14 villages
leadership positions
changed partially. In 1
village, leadership
positions changed on
time. In two villages the
issue has been
discussed in the GP.
14. Utilization and
recovery status of
Swabolombi rin
Livelihood
Developme
nt
SF needs to be utilized in the
appropriate IGA. To do so
the initial planning of IGA
could be revised.
Regional
Specialist
(Community
Finance),
Concern DPO,
CTL (All)
Time: Regular
work
Ongoing Ongoing
June 2013
15. VOs are not formed
with youths as
provisioned in COM
Inclusivene
ss
Steps will be taken to
redefine youth before
correction of COM. Inclusion
of youths in VOs will be
ensured.
SDF
management
Time: August
2013
Regional
Specialist
( Youth and
Employment),
DPM, CTL (
All)
Time: Regular
work

in 12 villages inclusion
of youths in VOs are as
provisioned as COM.
Partially
Resolved
16. A good number of
youths are being
excluded from
project benefit
Inclusivene
ss
A regional workshop will be
conducted regarding the
youth issues. After analyzing
in the workshop necessary
steps will be taken.
Specialist
(Youth &
employment)
Time:
September 2013

In December, 2013,
conducted regional
workshop and
developed further
planning for
incorporation.
However, in 27 visited
in all villages eligible
youths are remaining
excluded.
Partially
Resolved
17. Community
assessment process
(CAP) is not
Accountabil
ity
Training will be provided to
increase the number of
skilled CPs on conducting
CAP.
Specialist (
ICB), DPM,
CTL, All
Time: Sept 2013
Training has been
provided and the
process is ongoing.
Ongoing
18. Monitoring system
at VO level is not
Accountabil
ity
Monitoring system in the VO
level needs to effective and
should be on regular basis.
Regional
Specialist
( ML),
concern DPO,
CTL, CF.
Time: Regular
work.
villages SAC report has
found in all villages,
display board has been
updated in 18 villages
and only one village
found where GS
progress report has
been submitted in GP.
Mostly
Resolved
July 2013
19. Livelihood options
and trainings are
limited to few
activities
Livelihood
Developme
nt
The diversified livelihood
options should be explored
and facilitated
Specialist
Livelihood
CF, CTL and
DPM
Time:
Continuous
diversified livelihood
options are available in
4 villages.
Not Resolved
20. Comparison on OTR
status before and
after graduation in
2
nd
generation
Sustainabili
ty
Membership criterion should
be cross checked if they are
full time or associated
members. In case of full
membership the observed
Regional team,
PMA
Time:
December 2013
PMA cross checked list
of the reported villages
and found that those
villages are full member
of NJCS
Not Resolved

53
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities
& time line
Status
Issues wise
actions status
picture is not acceptable.
21. NJGs are not active
on collecting
Swabolambirin as the
process is more VCO
and CF dependent
Inclusivene
ss
A method for creating group
pressure will be prescribed in
revised COM
Specialist Team
Time: January
2014
villages, it is observed
that NJGs are not
collecting
Swabolambirin.
Not Resolved
22. Household List is
not updated on a
regular basis
Inclusivene
ss
Timely update of household
list has to be ensured on
regular basis.
Regional team,
CF, CTL and
DPM
Time:
Continuous
villages, it found that
PIP has been updated
in 9 villages.
Partially
Resolved
23. Some indigenous
people are excluded
from NutonJibon
Project

Inclusivene
ss
Regional team will take
action for the inclusion of
indigenous people in group.
Regional team,
CF, CTL and
DPM
Time: January
2014
The issue already been
resolved.
Resolved
August 2013
24. Dissemination and
Follow up of the
QMLW decisions is
not effective
Learning &
Communic
ation
A directive on this regard
will be circulated.
HQ and
Regional Team
Time:
December 2013
The issue already been
resolved.
Resolved
25. Analysis on the
content of GP
meeting resolution
Accountabil
ity
The VOs should be facilitated
on selecting appropriate
agenda for GP meeting.
CF, CTL and
DPM
Time:
Continuous
After visiting 29
in 8 villages content of
GP meeting have been
written properly.
Partially
Resolved
26. Same persons are
holding the key
positions both in
SSC and VCO by
violating COM
Governance Immediate action will be
taken to reform the VOs.
CF, CTL and
DPM

Time: January
2014
in 22 villages same
persons are not both
key positions in SSC
and VCO.
Mostly
Resolved
27. Loan Assessment
Committee is not
working properly
Livelihood
Developme
nt
Initiatives have to be taken
for the capacity building of
loan assessment committee
CF, CTL and
DPM

Time:
Continuous
in 10 villages loan
assessment committee
is not functional.
Partially
Resolved
28. Association with
MFIs is still active
within the
beneficiaries of
Nuton Jibon project
Sustainabili
ty
Action will be taken to find
out the reasons why still the
NJG members maintain link
with other MFIs, and will
take corrective measures
accordingly.
Respective
Specialist
CF, CTL and
DPM
Time:
Continuous
In the visited 25
in all villages members
are associated with
other MFIs.
Not Resolved
September 2013
29. Dissimilarities
between actual
Versus input form
information
Governance Tier wise (Field to HQ),
sample basis follow up can
reduce the extent of
dissimilarities. Circular by
MD should be issued
regarding crosschecking of
data and on producing
authentic information in
input form by staff at all
levels.
Manager, M&L
and field level
concerned staff
Time: January
2014
in 14 input form
information and actual
information are same.

Mostly
Resolved
30. Exclusion of
vulnerable people
from project support
Inclusivene
ss
Immediate action will be
taken
CF, CTL and
DPM

Continuous
In the visited 23
vulnerable peoples are
remaining excluded in
all villages.
Not Resolved
31. Poor functioning of
youth groups
Institutiona
lization
Importance and necessary
actions have to be ensured
for the better functioning of
youth groups.
CF, CTL and
DPM
Time:
Continuous
After visiting 23
in all villages
performance of the
youths is not functional
and satisfactory.
Not Resolved
32. Non-functioning of Sustainabili In revised COM new Specialist Team After visiting in 34 Partially

54
Sl.
no
Findings/Issues
Issue
Subject
Decision
Responsibilities
& time line
Status
Issues wise
actions status
Internal Lending
increased the trend
of idle fund
ty modalities on operation of
internal lending will be
incorporated.
Time: January
2014
in 18 villages internal
loan has been disbursed
on regular basis.

Partially resolved.
Resolved
October 2013
33. Occupational
harmony not
maintained in
formation of
Producer Group
Livelihood
Developme
nt
Regional team will take
initiative to reform the
groups.
Regional Team
Time: January
2013
After visiting 8 villages
of Gaibandha district it
is found that producer
groups have been
reformed for
maintaining the
occupational harmony.
Resolved
34. Sign Boards are not
installed in
implemented sub-
projects
Accountabil
ity
Immediate action should be
taken to install the
signboards.
CF, CTL and
DPM

Time: January
2014
signboards are not
available in 7 villages.
Partially
Resolved
35. CISF expenditure
related documents
found absent
Transparen
cy
Timely update of
procurement/expenditure
related documents have to be
ensured.
CF, CTL and
DPM
Time:
Continuous
After visiting 9 villages,
it is found that CISF
related expenditure
documents are
available in all villages.
Resolved
36. Key positions are
becoming
irregular/defaulter
in recovery of IL and
SF
Accountabil
ity
Field team should take
special initiative to resolve
the said irregularities.
CF, CTL and
DPM

Time:
Continuous
villages, defaulter
found from the key
positions in 11 villages.
Partially
Resolved
37. Fund release service
standard not
maintained
Cost-
effectivenes
s
In COM revision, uniform
time line of fund release
service standard has to be
incorporated/ ensured.
Specialist Team
Time: January
2014
Resolved. Resolved
November 2013
38. Increasing trend of
overdue and idle
fund hindered the
revolving of SF in
2
nd
generation
villages
Institutiona
lization
Quick action will be taken to
recover the overdue.
Learning from three better
villages will be disseminated.
Specialist
Community
Finance, field
team
Time: January
2013
After visiting in 8
villages, it is observed
that in all villages there
is a increasing trend of
the overdue loan.
Not Resolved
39. Involvement of VO
members spouses is
hampering the VO
activities
Governance Immediate Action will be
taken to reduce the
involvements of spouses on
operation of VO activities.
CF, CTL and
DPM

Continuous
After visiting 25
villages, this issue is not
found in any villages.
Resolved
40. Non-compliance of
procurement
procedures
Transparen
cy
In obligatory cases collection
of quotation should be
ensured.
Cluster and
Regional Team
Time:
Continuous
After visiting 17
in 4 villages quotations
are not collected during
the procurement
period.
Mostly
Resolved
41. Excessive
dependency
hindered
functioning of the
Community Book
Keepers (CBK)
Capacity
Building
A TOR of bookkeepers will
be circulated
SDF HQ
Time:
December 2013
in 4 villages
dependencies on book
keepers are excessive.
Mostly
Resolved
42. Absence of
maintenance of
implemented sub-
projects
Sustainabili
ty
Immediate action will be
taken
CF, CTL and
DPM
Time:
December 2013
in all villages, VOs has
taken responsibility for
the maintenances of the
subprojects
Resolved

Summary of the action status of Rangpur region is given in the table below:
Sl. Present follow up status Total %

55
no of Findings/issues number
1 Resolved 13 31%
2 Mostly Resolved 7 17%
3 Partially Resolved 12 28%
4 On going 02 5%
5 Not Resolved 08 19%
42 100

Summary of the action status of Northern Zone (Jamalpur & Rangpur) is given in the table
below:
Sl.
no
Present follow up status
of Findings/issues
Number of Issues Total %
Jamalpur Rangpur
1 Resolved 10 13 23 25%
2 Mostly Resolved 05 07 12 13%
3 Partially Resolved 19 12 31 33%
4 On going 08 02 10 11%
5 Not Resolved 09 08 17 18%
Total 51 42 93 100


56
Annex 3: Specific observation on OTR status of Swablombi Rin in
fixed villages
A. Jamalpur Region
Month Recoverable amount (Tk.) Recovered amount (Tk.) OTR (%)
Name of village: Khamarsingjani-2, cluster-01, Mymensingh
January13
February13
March13 74712 74712 100
April13 98956 98956 100
May13 155584 155584 100
June13 107712 107712 100
July13 113696 113696 100
August13 56848 56848 100
September13 113696 113696 100
October13 125576 125576 100
November13 127468 127468 100
December13 198660 177800 89
Name of village: Panch Khahonia- cluster-05, Mymensingh
January13 - - -
February13 - - -
March13 - - -
April13 - - -
May13 - - -
June13 - - -
July13 - - -
August13 - - -
September13 16225 16225 100
October13 0 0 0
November13 111980 110855 99
December13 111980 111980 100
Name of Village: Baniapara, Cluster-02, Jamalpur
January13 136500 86150 63
February13 136500 104530 77
March13 136500 105520 77
April13 169950 65750 39
May13 182000 100945 55
June13 95700 0 0
July13 90025 24285 27
August13 108900 40330 37
September13 108900 38470 35
October13 86130 25300 29
November13 79530 37640 47
December13 51700 38665 75
Name of Village: Kazaikata, Cluster-08, Jamalpur
January13 78760 78760 100
February13 92620 86020 92
March13 99110 40312 41
April13 101640 78210 77
May13 100870 72170 72
June13 98340 72040 73
July13 119707 79100 66
August13 105641 82800 78

57
September13 83270 66550 80
October13 120230 78950 66
November13 115170 74750 65
December13 75200 66430 88
Name of Village: Moja Ata, Cluster-10, Jamalpur
January13 16500 16500 100
February13 16500 00 00
March13 16500 00 00
April13 35200 00 00
May13 35200 18700 53
June13 25300 00 00
July13 25300 16500 65
August13 18700 00 00
September13 18700 00 00
October13 18700 00 00
November13 18700 18700 100
December13 00 00 00
Name of Village: Kuzghor, Cluster-13, Jamalpur
January13 38280 33900 89
February13 31570 31005 98
March13 70295 66469 95
April13 58996 47849 81
May13 68062 64436 95
June13 17621 17621 100
July13 68246 64550 95
August13 37005 34782 94
September13 66844 55409 83
October13 35431 30956 87
November13 68706 50928 74
December13 40853 27692 68
Name of Village: Naldair Purbopara, Cluster-16 Jamalpur
January13 65340 65340 100
February13 66880 66880 100
March13 68420 65010 95
April13 51920 50545 97
May13 70840 66990 95
June13 78265 71665 92
July13 99495 87230 88
August13 114895 109285 95
September13 101310 95975 95
October13 74745 69740 93
November13 104555 99055 95
December13 110605 75355 68
Name of Village: Purba Kolospar Uttar, Cluster-03, Sherpur
January13 - - -
February13 - - -
March13 - - -
April13 - - -
May13 - - -
June13 - - -
July13 - - -
August13 - - -

58
September13 44110 44110 100
October13 89320 89320 100
November13 89320 84256 94
December13 89320 79885 89
Name of Village: Brammangathi, Cluster-01, Sirajganj
January13 4576 4576 100
February13 13728 13728 100
March13 46640 44440 95
April13 76890 73625 96
May13 80256 80256 100
June13 81598 53284 65
July13 104720 69710 67
August13 21406 16666 78
September13 85624 33872 40
October13 85624 52704 62
November13 90024 45364 50
December13 90024 35536 39
Name of Village: Dhukuria, Cluster-05, Sirajganj
January13 - - -
February13 - - -
March13 - - -
April13 4200 4200 100
May13 48375 48375 100
June13 49975 48774 97
July13 91925 86265 94
August13 60365 47800 79
September13 82865 60985 74
October13 74975 46460 62
November13 73325 45100 62
December13 83300 52750 83

B. Rangpur Region
Month
Paschim
Hindupara
Adoriapara Teronia Uttor
Laxmipur
Laxmir
Khmar
Ramkisnopur Purbo
Ramjibon
Moddya
Hat
Bamunia
Boro
Durgapur-
2
Natshal Average
Jan13 100 - 100 94 99 77 100
77
95 - 93
Feb13 100 - 100 91 99 72 100
100
98 - 95
Mar13 100 - 100 94 94 83 100
97
100 - 96
Apr13 100 - 100 95 94 69 97
99
98 - 94
May13 100 - 100 85 96 95 97
99
53 - 91
Jun13 100 - 100 98 95 100 100
79
72 - 93
Jul13 99 - 100 88 94 100 97
87
89 - 94
Aug13 100 - 100 68 84 97 96
87
90 - 90
Sept13 99 - 100 84 83 100 95
63
95 - 90
Oct13 100 100 97 75 83 88 100
57
96
100
90
Nov13 100 100 97 75 75 95 95
61
97
100
90
Dec13 100 100 100 68 84 95 96
66
48
100
86


59
Annex 4: Specific observation on NJG members used to savings in
fixed villages

A. Jamalpur Region
Name of village Percent of NJG members used to deposit savings in ten fixed villages of Jamalpur Region (Jan-Dec 2013)
Jan Feb Mar April May June July August Sept Oct Nov Dec
Kuzghor
88 62 93 100 100 100 100 100 96 51 61 61
Kazaikata
76 58 48 100 48 100 75 75 78 78 60 34
Moja Ata
100 100 100 94 94 94 0 0 0 0 0 0
Baniapara
100 100 100 67 43 53 44 44 53 53 44 55
Brammongati
82 60 73 77 54 55 74 71 64 82 34 19
Naldair
Purbopara
88 87 87 68 81 79 83 83 92 92 82 81
Khamarsinghza
ni-2
92 89 100 100 89 93 87 89 83 91 94 80
Dhukuria
88 78 81 87 68 52 47 34 38 40 42 43
Panch Kahnia
100 100 100 96 100 92 97 100 100 100 100 94
Purbo Kolospar
Uttor
97 100 97 100 98 99 97 93 97 86 85 92
Avarage 91 83.4 88 89 78 82 70 69 70 67 60 56

B. Rangpur Region
Month Percent of NJG members used to deposit savings in ten fixed villages of Rangpur Region (Jan-Dec 2013)
Paschim
Hindupara
Adoria
para
Teron
ia
Uttor
Laxmipur
Laxmir
Khamar
Ramki
snopur
Purbo
Ramjibon
Moddya
Hat
Bamoni
Boro
Durgapur-
2
Natsh
al
Avera
ge
Jan13 92 72 87 67 76 37 98
85
95
95 80
Feb13 90 78 85 63 73 41 99
86
93
96 80
Mar13 94 76 84 68 74 41 97
88
97
100 82
Apr13 94 76 85 100 77 29 97
80
95
91 82
May13 92 80 81 54 77 34 96
71
90
89 76
Jun13 92 70 82 62 70 33 98
67
88
96 76
Jul13 91 69 75 59 68 30 94
66
85
72 71
Aug13 88 54 80 50 67 29 89
55
88
60 66
Sept13 87 74 74 58 60 27 94
51
85
52 66
Oct13 87 71 73 95 66 23 96
34
81
45 67
Nov13 87 59 67 94 59 31 86
43
82
52 66
Dec13 84 53 71 69 63 34 85
42
80
59 64


60
Annex 5: Specific observation on GS meeting attendance in fixed villages

A. Jamalpur Region
Name of village Percent of GS meeting attendance in fixed villages of Jamalpur Region (Jan-Dec 2013)
Kuzghor
89 89 89 0 89 89 95 100 89 89 0 78
Kazaikata
100 100 100 0 0 89 78 89 89 78 11 89
Moja Ata
89 95 67 67 56 67 67 67 67 67 100
Baniapara
85 89 89 89 56 67 67 89 89 100 78
Brammongati
100 94 89 89 89 89 89 67 72 - 78 0
Naldair
Purbopara
78 78 89 78 67 89 100 89 44 84 100 89
Khamarsinghza
ni-2
100 100 100 100 100 100 100 100 100 100 100
Dhukuria
100 100 100 89 89 89 89 89 78 89 56 78
Panch Kahnia
100 100 100 83 89 89 97 100 100 100 100 100
Purbo Kolospar
Uttor
83 100 87 78 78 94 81 71 72 78 78 83
Avarage 94 94 94 67 76 84 86 84 80 86 69 77

B. Rangpur Region
Month
Percent of GS meeting attendance in fixed villages of Rangpur Region (Jan-Dec 2013)
Paschim
Hindupa
ra
Adoria
para
Tero
nia
Uttor
Laxmip
ur
Laxmir
Khamar
Ramkis
nopur
Purbo
Ramji
bon
Moddya
Hat
Bamunia
Boro
Durga
pur-2
Natsh
al
Averag
e
Jan13 100 100 100 100 89 78 100
100
89
100 96
Feb13 100 100 100 78 89 100 100
100
89
100 96
Mar13 100 100 100 100 100 77 100
89
93
100 96
Apr13 100 100 100 100 100 77 100
100
100
100 98
May13 100 100 100 100 89 78 100
100
100
100 97
Jun13 100 100 89 100 89 77 100
100
100
100 96
Jul13 100 100 78 78 100 77 89
100
100
100 92
Aug13 100 100 100 100 89 77 100
100
100
89 96
Sept13 100 89 89 100 89 78 100
89
67
89 89
Oct13 100 89 100 100 89 77 100
89
78
100 92
Nov13 100 89 89 67 78 77 100
100
89
78 87
Dec13 100 89 100 100 78 78 100
100
78
89 91

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