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Acronym: BISWA

Complete postal address: At: Danipali, P.O.: Budharaja

District: Sambalpur-768004, State: Orissa, INDIA

Telecommunication: +91-663-2533597/+91-663-3096538/+91-9437056453

Tele-fax: +91-663-2533597/+91-633-2520198



Legal Status:

1. Registered under Societies Registration Act XXI of 1860, Government of India vide Registration
number 22660-41 of 2005-06 dated 01.07.2005 (issued against old registration no. 4824-22 of 1996
dated 15.07.1995)

2. Registered under Foreign Contributions (Regulations) Act 1976, Government of India vide
Registration number 105060053 dated 05.07.2000

3. Exempted under section 12 A and 80G of Indian Income Tax Act

4. Income Tax Permanent Account Number (PAN): AAATB 4843L

5. Registered under Orissa Sales Tax Act

6. Registered under Central Sales Tax Act

7. Registered under Disabilities Act of Department of Women and Child Development, Government of

8. Licensed to export handicrafts

9. Registered under Indian Labour Act.

10. Certified under ISO 9000/2002


We have been able to reach 9 states of India. The details are:
Sl.NO NAME OF THE STATE Name of the districts
1. Anugul 9. Dhenkanal 17. Kendrapara 25 .Nuapada
2 .Balangir 10. Gajapati 18. Keonjhar 26. Puri
3. Balesore 11 .Ganjam 19. Khurda 27. Rayagada
1. ORISSA 4. Bargarh 12. Jagatsinghpur 20. Koraput 28 .Sambalpur
5. Baudh 13. Jajpur 21. Malkangiri 29. Sonepur
6. Bhadrak 14 .Jharsuguda 22. Mayurbhanj 30. Sundargarh
7. Cuttack 15. Kalahandi 23. Nabarangpur
8. Deogarh 16. Kandhamala 24. Nayagarh
1. Bastar 5 .Durg 9. Kawaedha 13. Raigarh
2. Bilaspur 6. Janjgir Champa 10. Korba 14 .Raipur
2. CHHATTISGARH 3. Dantewada 7. Jashipur 11. Koriya 15. Rajnadgaon
4. Dhantari 8. Kanker 12. Mahasamund 16. Sarguja
3. BIHAR 1. Gopalgunj
4. WEST BENGAL 1. 24 Parganas 2 .Midnapore 3. Kuchbehar
5 JHARKHAND 1. Bokaro
6. UTTARANCHAL 1. Lalkuan
7. UTTAR PRADESH 1. Agra 2. Lucknow 3. Varanasi
8. MADHYA PRADESH 1. Moorena
9. NAGALAND 1. Kohima 2. Dimapur 3. Mokokchung 4. Tuensang

Operational areas of BISWA are indicted in filled colors.





Vision Statement

Just and equitable society with greater emphasis on spirituality, compassion and peace on earth

Mission Statement

To make a real lasting social, financial, psychological and Spiritual impact on individuals help build strong
cohesive Communities and generate substantial employment opportunities by increasing availability of a
wider range of services.


micro-Finance Vision

™ To increase the availability of wider range of financial services for poor people and their use
of those services through the process of expansion as well as consolidation of the micro-
finance programme and creation/facilitation of a sustainable community-based micro-Finance
institution within the year 2010 .

Micro-Finance Mission

™ Create a fair and level playing field for every micro-entrepreneur so that they do not need to
be permanent dependent just because they do not qualify for the mainstream finance.
™ Revive the root of banking, so that credit is once again based on trust and relationship and a
person’s wealth or poverty has no bearing on his/her creditworthiness.
™ Make a real and lasting psychological, social & financial impact on individuals; help build
strong, cohesive communities; and generate substantial job opportunities and economic
benefit for society as a whole.
™ Make available financial services at lowest possible cost at the door step of the customers.

Micro-Finance objectives

™ To bridge the gap between demand and supply.

™ To provide collateral free loan to the poor.

™ To bring changes in public policies and practices in favor of the poor and deprives, particularly in
the areas economic, fiscal and social administration.

™ To encourage & collaborate with people and institutions with objectives similar to those of BISWA

Strategy adopted

™ Encourage Savings for Capital growth

™ Encourage Micro-enterprise for credit deepening
™ Credit to pursue income generation activities
™ Women focused
™ Federation Building

™ Collateral free loans

™ Provision of Social security system (Insurance)
™ Flexible repayment periodicity

micro-Finance Products

At present BISWA has two products Credit & Savings.


Delivery Channels:

1. Self Help Groups (SHGs)

2. Self Help Federations (SHFs)

3. Other Self Help Promoting Institutes (SHPIs)

1. Self Help Groups:

The SHG is formed and promoted by BISWA taking 10-20 homogenous (e.g. Male/ Female, Artisans,
Farmers etc.) individuals living in a compact geographical area (villages/ wards). The SHGs are
encouraged to practice thrift and compulsory savings and are savings-linked (depositing saved amount in
their respective bank accounts operated jointly by the President and the secretary of the SHG) to nearest
bank. After a certain period of nourishment (3-4 months) the SHGs are encouraged to enter into internal
credit practices. After six months the groups are graded according to a pre=defined criteria and the groups
obtaining A or B grade are considered to be eligible for external credit linkage. The C graded groups are
further nourished until attaining A Grade status. During this capacity building phase of 6 months, the
groups are imparted training on group dynamics, book/record keeping, leadership development etc. by in-
house professional trainers. The demand for a credit is generated among the eligible groups. The groups are
educated on eligible criteria, terms of loan, rate of interest, repayment schedule and other aspects of the
credit linkage by the respective community organizers.
1. Rate of Interest : 20% per annum on reducing balance for the SHGs
2. Average term : 9 months
3. Collateral : Nil
4. Processing Fees : 2.5% of total value of loan
5. Transition cost : Nil
6. Average waiting period : 21 days

The loan are granted by a Loan Committee basing on the amount of saving (amount accumulated
out of compulsory savings) available at the bank/in hand. Internal credit is discouraged by the time
as a SHG is considered eligible for an external credit.
7. Rescheduling of loans is not practiced.
8. Though it is a single product, it covers up a wide range of services: agriculture, skill development/
diversification of livelihood options, animal husbandry, consumption, exigency expenses etc.

2. Self Help Federations:

Self Help Federations are conglomerations of 11-50 SHGs in a compact geographic area. The federations
are client owned client managed and community based legal entities registered under Indian Trusts Act as
Mutual Benefit Trusts (MBTs). These entities act as socio-economic intermediary bodies. These
Federations avail credit from BISWA at a lower rate of interest and on lend to the federated SHGs at rates
of interest at par with those of non federated SHGs, all variables remaining constant.

3. Other Self Help Promoting Institutes:

BISWA extends credit in wholesale to other Self Help Prompting Institutes as well (NGOs/ Self Help
Cooperatives etc.) on the same module as those of the Federations.

1. Compulsory saving : An amount of saving each member has to deposit at a given interval (a week /a
month) as decided by the respective groups in their meetings. This amount may vary from Rs 10/-per
member per week to Rs 100/- per member per month (considering average savings per member per
week /month) .
2. The savings are deposited in their respective bank accounts and are not utilized by BISWA.
3. In case of deposit of the amount as Margin Money, the money is not further extended as a part of their
loan amount. The margin money earns the group a rate of interest of 6 % per annum.

Financial Overview (as on 30.09.2007)

™ Return on Performing Assets 12%

™ Financial Cost Ratio 03%
™ Loan Loss Provision Ratio 01%
™ Operating Cost Ratio 04%
™ Yield on Portfolio 11%
™ Operating Grant Ratio 19%
™ Operating Self-Sufficiency 127%
™ Cost per Unit Money Lent 0.02 Paisa

™ Cost per Loan made Rs. 1,096

™ Average no of loan per Credit Officer 77
™ Average Portfolio per Credit Officer Rs. 53,62,703
™ Portfolio in Arrear 0.08%
™ Portfolio at Risk 0.2%
™ Reserve Ratio 0.4%

Operational Overview (as on 30.09.2007)

No of districts covered 61(in nine states)

Total number of Self Help Groups 23,952
Total members: 384,803
Total Federations formed 210
Total saving mobilized 163.55 million INR
Number of loans disbursed 21,753
Amount of loans disbursed 1,868.54 million INR
Average loan size 85,898 INR
Total outstanding 897.28 million INR
Rate of repayment (cumulative) 98%
Operational Self Sufficiency 127%
Portfolio at Risk 2%

Sector wise distribution (%):

Agriculture: 62
Small Business: 27
Consumption: 11

Total NGOs supported: 83

Key initiatives & accomplishments of BISWA as an mFI:

™ Income generating activities of the SHGs made sustainable.

™ A platform created for federating of SHGs into Mutual Benefit Trusts.
™ A seek unit of District Administration rejuvenated.
™ Encouraging SHGs to enter into production/ processing activities.
™ Employment opportunities created through the unit.
™ SHGs exposed to marketing and products of other SHGs.
™ Expanded customer base for the products.
™ SHGs protected from malpractice in business activities.

™ Freeing the groups from clutches of money-lenders.

™ Saving the groups from meeting additional expenses of marketing.
™ Encouraging the SHGs to take up innovative/ experimental projects.
™ Convergence of micro-enterprise into micro-finance
™ Inclusion of special livelihood groups into mF and mE activities
™ Attaining Nodal Status in Chhattisgarh for Rashtriya Mahila Kosh
™ Promotion of Mutual Benefit Trust (Federations of SHGs) as legal entities and client owned client
managed community based institutions.
™ Promotion of Non-Banking Financial Company at the apex level to meet the financial needs of the
federations/ SHGs and other NGO-mFIs.

Ratings: 1. By M-CRIL as ß
2. By CRISIL as mFR3
3. By Mix Market ****

BISWA Micro-finance Services Pvt. Ltd. (Presently known as Credible Securities and Finance Pvt. Ltd.) is
a non Banking Financial Company promoted by Bharat Integrated Social Welfare Agency (BISWA), a
premier micro-finance institute working in 11 states of India. BISWA originated in the district of
Sambalpur in Orissa in 1994 and obtained its legal entity under Societies Registration Act XXI of 1860
having its jurisdiction limited only to 1 district, Sambalpur, Orissa on 15.07.1995. Later it has expanded to
the areas stated above and obtained its legal entity as a state level organization in the year 2005. The micro-
finance operations of BISWA started in the year 1995, under Individual model. SHG model was adopted in
1996. During these 12 years the micro-finance operation of BISWA has passed through many articulated
phases of development and presently the promotion of the NBFC is a part of the business development
activity in accordance with the plan developed in the year 2003. The present entity is registered within the
meaning of Section 2 (35) and 3 (1) (iii) of Company Act 1956 & registered under section 45 IA of Reserve
bank of India Act 1934 having its corporate office at Sambalpur.

Details about thrust areas of working:

Credible Securities & Finance Pvt. Ltd. is working in the field of micro finance. Its main objective is to do
bulk lending only to the Federations promoted by BISWA, to other SHPIs and to BISWA for on lending to
SHGs which are not federated.

Brief about promoters:

The promoters of this NBFC are Mr. K.C Malick, Chairman, Bharat Integrated Social Welfare Agency
(BISWA) & Mr. B V Narasimham, representative of Bellwether
Microfinance Fund, Netherlands having India office at Hydra bad. The
1st promoter was associated with State Bank of India for more than 2

decades and is the founder of BISWA. He is a prominent social worker with integrated developmental

In recognition of Micro Finance Process
Micro Finance Process
Excellence Award 2006 Contribution of BISWA Excellence Award 2005
Conferred to BISWA Jointly jointly in MicroFinance Conferred to BISWA
by PlaNet Finance & ABN sector by SIDBI,CARE & Jointly by PlaNet
Amro Bank Mission Shakti Finance & ABN Amro

Poor households are especially vulnerable to risk, in both the form of natural
calamities as well as more regular occurrences of illnesses and accidents. micro-
Finance institutions (MFIs) have played an active role in reducing and
protecting them against such situations by providing credit for increasing
income-earning opportunities; and by providing savings services to build up
resources that can be utilized in cases of emergencies. As one of its
development interventions and as a social security measure, BISWA covers its
clients under three micro-insurance schemes.

™ For Life with LIC’s Janashree Bima Yojana (JBY) & with TATA-
AIG ; Micro Insurance Award
™ For Health with ICICI Lombard; & Oriental Health Insurance 2006-07 jointly conferred by
PlaNet Finance and ING Vysya
™ For Assets with Oriental insurance Company

BISWA’s continuous pursuance has resulted in a massive growth in its micro-

insurance operation. As a recognition of BISWA’s pioneering work in the field of
micro-insurance, it was conferred the national award by Planet India and ING Vysya Bank in 2007.

BISWA’s Micro-Insurance Achievement

Sl. No Policy Insurance Company and when Total Client Number of claims (Claim settled )
Coverage started covered up to Sept’ made up to Sept ‘07 payment received
1 LIFE LIC March 2003 69,250 78 (58) .13,40,000/
2 LIFE TATA AIG June 2007 5,106 0 0
3 HEALTH ICICI Lombard January 2006 1,53,534 314 (204)/12,42,334/
4 ASSETS ORIENTAL February 2006 62,178 14 (5)/ 8,21,357//

Sl. Insurance Company Details of policy coverage Premium details by Support provided by BISWA
the SHG members

1 LIC Life coverage Rs.100 per annum No Role of Insurer and intermediary facilitation
1.Janashree Bima Yojana extra premium for early claim settlement.
2.Scholarship for 2 children

2 ICICI Lombard Health coverage Rs.325 per annum Role of Insurer and intermediary facilitation
for early claim settlement.
3 Oriental Insurance Assets coverage Claim from Role of Insurer and intermediary facilitation
1.Janata personal Accident Rs.50,000 to for early claim settlement
Policy Rs.1,00,000

2.Kisaan package policy Rs.60 to Rs.250

3.Shopkeepers Insurance Rs.60 to 250

4 TATA-AIG Life coverage As per the age but sum Role in Insurer and intermediary facilitation for
Sampoorna Bima Yojana assured is Rs.10,000 early claim settlement. Advance premium
payment, if necessary

Details of policies served


Micro- Entreprise Mission

™ To bring recognition, legitimacy, respect and opportunity to the

100,000 skilled micro-entrepreneurs in the Orissa region.

™ To create a fair and level playing field for every micro-

entrepreneur, so that they do not need to be permanent dependent
just because they do not qualify for the mainstream finance.

BISWA has promoted micro-enterprise among the target groups in MICRO ENTERPRISE AWARD
its operational area irrespective of them being members in SHGs Conferred to Reena Mahanand by
Citigroup As Best Entrepreneur

promoted by it or not. The salient features of the Rural/

Micro-Entrepreneurship development programs of BISWA are:

™ Assessment of available resources, need and marketability

™ Imparting skill development trainings
™ Creating community capital base to undertake production/ processing activities
™ Establishing forward and backward linkages for smooth operation
™ Control and development of quality of produce (value addition)
™ Export promotion of SHG product
™ Showing the path to the artisans and rural youth. (Understanding need)
™ Networking among firms & Institutions
™ Capacity building of the rural, tribal & urban youth.
™ Conduct technological workshops
™ Impart technological training
™ Visit of expert from recognized institutions
™ Personal counseling to the entrepreneurs
™ Workshop on good health & work safety
™ Documentation

Micro Enterprise Strategy

™ Develop local institutions through promotion of SHGs.

™ Technology up gradation through skill development of artisans.
™ Network formation among artisans.
™ Development of BDS market for minority communities.
™ Establishment and strengthening of Small & Micro Enterprises among Minority Communities.
Micro Enterprise Interventions

Issues Addressed in the intervention programs

™ Low level of technology.

™ Limited network among the development actors.
™ Low level of information communication among various stakeholders of development.
™ Little knowledge about scope and limitation of the product marketing.

™ Very little or non-existence of Small & Micro Enterprises (SME).

™ Static industry association

The rural & urban artisans do not have the scope and resources for their technology up-gradation in
traditional skill, through any kind of training programme. In addition to the above fact, there is always an
apprehension among these poor artisans regarding the marketability of their new design products in their
local market and/or their traders.

To overcome such problems, BISWA has insisted on providing technology up-gradation training
programmes to the already existing traditional artisans in order to provide them an increased income
generating opportunity. The following interventions are regularly made by BISWA for its project
beneficiaries for their technology up-gradation. BISWA has received support in imparting some of these
training from various sources including Government of India, NABARD, Functional Vocational Training
Forum, Mahila Vikash Samabaya Nigam, Development Commissioner (Handicrafts), Notified Area
Councils of Bargarh, Jharsuguda, Brajarajnager, Burla and Sambalpur Municipality.


™ Imparting skill development training to bamboo artisans at Jhankarbahali and Malkangiri

™ Imparting vocational training to urban and rural youth at Sambalpur, Burla and Jharsuguda
™ Imparting design development training for brass and bell metal artisans at Rengali & Katapali
™ Imparting Rural Entrepreneurship Development training
™ Imparting Micro Entrepreneurship Development training
™ Establishing common facility centers
™ Imparting training to handloom weaver in Bheden, Barpali & Sohela Blocks of Bargarh


We at BISWA before taking on any Small & Micro Enterprise (SME) for the cluster artisans, assess the
market of the product, to be manufactured by these enterprises. In the process we conduct some of the
following programme prior to taking up the technology up gradation programme and some during the
tenure of programme.

™ Developing list of potential traders (Pre-training)


™ Personal counseling to traders (Pre-training)

™ Product benchmarking (during training)
™ Developing common brochure & website (Post-training)
™ Buyer-Seller meet (Post-training)
™ Workshop on diversification (Post-training)
™ Tie-up with retail outlets (Post-training)
™ Training programme on diversification (Post-training)

In order to ensure a permanent marketing facility to SMEs established by the beneficiaries trained under its
technology up-gradation programme BISWA has opened a marketing outlet which displays the products
manufactured by such trained artisans and retails it and also acts as a wholesale agent for such products.


In pursuance of its objectives and adopted strategies for women empowerment in particular and community
development in general, formation of SHGs, adequately train them in group dynamics, encourage thrift and
savings have been prime concern of BISWA since inception. A key issue emerged in the process i.e. to
suggest and facilitate activities which gave the members access to finance - finance free of any loan tag;
even revolving loan fund of BISWA. Skill development training, design development training, production
or processing of quality materials/ goods were to become worthless had there been no system for outflow of
the product.

Presently LAXMIPRIYA, situated in mid-town location of Sambalpur sells more than 100 items:
handicrafts, tailor-made garments, brass and bell metal, processed food material, leaf plates/cups etc. More
than 300 Self Help Groups producing these items are associated with this outlet.
Common Facility Centers

1. Common facility Center for Brass and Bell-metal artisans at Ganesh nagar of Rengali block, Sambalpur
2. Common facility Center for Leaf cup-plate makers at Charichhak, Boudh
3. Common facility Center for Brass and Bell-metal artisans at Katapali, Bargarh

Impact of CFC

In comparison of state of affairs between pre-intervention and post-intervention periods it is observed that
the following developments have taken place:
™ Skill of the artisans is enhanced and they are able to produce finer objects by semi-mechanized process.
™ Income level of the artisans has risen by 180%, the artisans tending to move out of BPL.
™ Innovative product designs have been evolved by the artisans.
™ Common problems are addressed collectively.

™ Contractual trade practice eliminated by giving more financial benefit to the artisans.
™ Social security for all sects of the community enhanced; emerged from the enhanced economic
™ Vulnerability of the artisan community significantly decreased.
Cluster Approach
1. Bamboo cluster at Jhankarbahali, Sambalpur
2. Dhokra cluster at Kishorenagar, Angul
3. Dhokra cluster at Bairapari, Malkangiri
4. Bamboo cluster at Kudumulguma, Malkangiri
5. Bamboo cluster at Ghanabeda, Malkangiri
6. Bamboo craft (kandi) in Gariabandh of Raipur district (focusing Kamar tribe)

Rural Entrepreneurship Development Training imparted

1. Weaving
2. Tie and Dye
3. Brass and Bell-metal
4. Soap making
5. Leaf cup plate making
6. Carpentry
7. Sisal
8. Candle
9. Soft toys
10. Black smithy
Training cum Production Centers (TPC) established
™ Soap training cum production center at Budapada, Sambalpur
™ Soft toys training cum production center at Kamali bazar, Sambalpur
™ Tailoring training cum production center at Kamali bazar, Sambalpur
™ Badi and Papad training cum production center at Kamali bazar, Sambalpur
™ Weaving training cum production center at Hatibari, Sambalpur
™ Candle making training cum production center at Hatibari, Sambalpur

™ Sisal fiber training cum production center at Hatibari, Sambalpur

™ Sambalpuri saree making unit at Bargarh
™ Brass and bell-metal unit at Katapali, Bargarh
™ Readymade Garments unit at Diptipur,
™ Paper plate making unit at Bargarh
™ Tie and Dye unit at Marikel, Bargarh Memento
™ Leaf cup plate making unit at Boudh In recognition of contribution
Memento of BISWA in governance sector
Inrecognition of effective by Indian Society for Training
participation in the Credit & Development, Sambalpur
And Enterprise(CASHE) Chapter
Project of CARE India1999-

Special inputs designed for involving minority communities in micro-enterprise programs

™ Skill up gradation training to artisans belonging to minority community.

™ Formation of artisan guild for these minority community artisans in their respective places.
™ Provide a common facility centre to these artisans of minority community.
™ Transformation of existing infrastructure into model village infrastructure.
™ Help establish set-up individual SMEs for each minority community artisan family.

Action taken for enhancement of micro-enterprise activities

Promotion of Micro Enterprise Development Institute (MEDI)

™ The proposed entity is to be registered as a not for profit company under Companies Act
™ The MEDI shall act as a resource center for development of micro enterprises.
™ The MEDI shall facilitate forward and backward linkages for micro-enterprises.
™ The MEDI shall promote export of SHG products
Involving corporate sector to strengthen the micro-enterprise activities in the form of CAFÉ Khusi
As an innovative approach, BISWA has involved ITC; a name in the corporate sector to reckon with, with
its micro-enterprise development programme. ITC and BISWA have joined hands to established a chain of
cafes in two towns; Sambalpur and Rourkela. The Cafes are established for being run by trained SHG


Urban Sanitation Programme

Sanitation of the urban limits is a mandate of the local self-governance system, the Municipality/ Notified
Area Council (NAC). Working in association with these bodies in Sambalpur, Bargarh, Hirakud and
Brajarajnager, BISWA has undertaken all the sanitation activities. The sanitary workers are formed into
Self Help Groups and they are no more the employees. What they do is what they own. The sanitation
activities wards (divisions of these urban bodies) under control of BISWA are done with more sincerity &
involvement and incur less expense.

Socialization of Leprosy Cured Persons

Padmashree Dr. Isaac Santra, an eminent Gandhian social worker established an Ashram for the persons
affected by Hansen’s disease; leprosy; at Hatibari in the year 1951. The centre was named after the village;
Hatibari Kusthashram which later came to be known as ‘Hatibari Health Home. The Home provides an
opportunity to the leprosy affected as well as cured persons to lead a normal life with self-respect, dignity
and without the feeling of being socially excluded. Earlier, the infrastructure available at the home viz. the
cultivable land, the industrial sheds(for black-smithy/rope making/tailoring/handloom weaving),the fish
ponds and the orchards enabled the lepers to work with confidence and lead a respectable life. However,
after the demise of Dr Santra, the maintenance of the infrastructure went down gradually. Subsequently, the
Hindu Kushta Nivaran sangha advised BISWA to take over the infrastructure available at the Home.
Presently, the home has 192 inmate out of which 97 are male and 95 are females. The inmates are now
being imparted functional vocational training support. BISWA has also involved three other NGOs in the

Present status at the Home

Presently the Home has 192 inmates out of which 97 are male and 95 are females. Total strength of the
Home is for 194 inmates for as mentioned below:
By the dept. of W&CD and Panchayati Raj 148
By the dept. of Health 46

Vocational Training programme

Functional Vocational Training Forum (FVTF) supports BISWA to impart vocational training programme
as a Nodal Body. BISWA has involved 3 other NGOs in this programme and has a 275 number of trainees
receiving training in different trades.

Basic Needs Programme

Mrs. Joyasree Mahanti, a renowned social worker, residing in Michigan of USA came in contact with
BISWA during 2002. Since then she is working in association with BISWA for overall development of 48

identified villages. Out of these 48 villages, 16 are presently covered and the rest shall be covered by
another two years. The following thrust areas are identified and intervened to better the situation.

Availability of safe drinking water: By the end of financial year 2005-06. 24 tube wells have been sunk
at strategic points

Establishment of innovative schools: 16 Innovative Schools are established which have two major
components: Preschool education and elementary education. In
addition to formal syllabus, the children are imparted training on
other aspects of social life such as environment, health and
sanitation etc.

Enhancing Health status: The programme has established 15 Community Based Drug
Distribution Centers in even number of villages which are operated
by trained health workers from among the community.

Extension of credit service for: Under Basic Needs programme the artisans in the villages covered
are formed
undertaking Income Generation: into SHGs and are supported by external credit services of BISWA
to pursue
Programs by Self Help Group their livelihood. They are imparted micro enterprise training on
Members their respective trades.

Construction of Water harvesting Four Water Harvesting structures are currently constructed to
Structures to facilitate irrigation facilitate irrigation in cultivated land to augment productivity and
enhance fertility

Environment Protection

BISWA participates in the National Environment Awareness Campaign lunched by the Department of
Forests and Environment, Govt. of India every year since last 6 years. Awareness regarding protection of
environment is the main theme of the programme.


As a special measure to restore greenery in its operational area BISWA has undertaken intensive plantation.
In its plantation programme special attention is given to replenish existing forest coverage and create new
greenery in wasteland.
a. Plantation of 16500 bamboo shoots in adjacent jungle of Jhankarbahali
b. Plantation of 1000 saplings of in Budapada, Jhankarbahali, Tangarjuri and Rathipada
c. Plantation of Lemon, Mango, Bamboo, Lichee, Guava, Papaya and Sisal fiber in 196 acres at
Hatibari Health Home

d. Plantation of Lemon saplings at Maneswar

e. Extension of financial support to Budharaja Van Unnayan Samiti for plantation at Budharaja School
campus and Budharaja Hill slop.

Reproductive and Child Health

BISWA has been implementing Reproductive and Child Health (RCH) program of Government of India
through the Mother NGO, MY HEART of Bhubaneswar since 1999. The activities were carried out in 20
Grampanchayats of Sambalpur district, covering a total population of more than 80000.

Till date BISWA has implemented programmes pertaining to Reproductive and Child Health benefiting
more than 150000 population spread throughout the district.

In Chhattisgarh, BISWA has covered Nawagarh block of Janjgir Champa district under its RCH
programme. 375 households have been covered under 3 PHCs; Bargaon, Kukuda and Rigni. Baseline
survey has been completed in the target area.

Ophthalmic Care

1856 patients were treated in various eye camps in BISWA

1626 patients were provided with medicines for their treatment
840 patients were provided with spectacles (glasses)
362 eye patient were operated in the eye ward of district head quarters hospital
562 cataract cases also operated.

In a follow up, 94% were found to be successful operations. This activity was organized in collaboration
with National Blind Control Programme and the Chief District Medical Officer.

Popularizing Voluntary Blood Donation

In a new dimension to Health Sector intervention by BISWA a Blood Donation Unit has been started
recently on the auspicious occasion of Independent Day, 15th August 2006. The very intention of it was to
popularize blood donation activities with providing proper information on it among it’s staff, employees
and associated beneficiaries. It would also take care of all the misconception and misinformation on this
noble activity.

Condensed course school

Central Social Welfare Board has supported BISWA to establish and run a school to impart education to
school drop outs/ non-enrollees belonging to age group 10-16. The course offered there is condensed and
the target is only girl children. The school has been established at Jahankarbahali village, which is one of
the focus villages of BISWA. As such the village is situated in remote and difficult area, under-served in
terms of health and education. Health care is also taken care of by imparting training and establishing CBD
center in the main village which also covers the hamlets.

Family Counseling Center

The Central Social Welfare Board, through the State Social Welfare Advisory Board has been pleased to
extend support to establish one Family Counseling Center (FCC) covering Sambalpur district. The Center
was established on 1st March 2004. Within a short span of 1 month only, 4 cases were registered in the
center, counseling provided and the subjected families are expected to overcome their differences to start
all over again. As per the program component, two lady counselors have been appointed with adequate
educational and professional backgrounds.


BISWA has been supported by the Department of Women and Child Development, Government of India to
establish one SWADHAR home for destitute women. The Home is meant to provide shelter, food, clothing,
medical and legal assistance, counseling services and economic rehabilitation to the inmates. The Home
has capacity of housing 50 inmates.

Plastic Recycling Unit

Since long BISWA has been working for environmental protection and now it has started thinking for
waste management, especially for the non-biodegradable waste (waste plastic product). It has established
an environment friendly waste plastic recycling unit in the outer periphery of Sambalpur town. The waste
plastic materials collected from Sambalpur and others nearby town are being molded and transported to
the other part of the Country for giving different shape. The unit gives special attention to create mass
awareness on the 4Rs (Reuse/ Recycle/ Refuse and Reduce) regarding the plastic use in Sambalpur and
nearby areas. The target is to loitering-plastic free area.

Health camps
Conducting Health Camps in different areas in its area of operation constitutes a major activity to ensure
quality in health standards of rural people. Under this program, BISWA has so far conducted 76 camps in
which almost 12000 persons have been checked up and have been provided with medicines at no cost basis.
Special emphasis is always laid on population control, control of prevailing diseases in the specified area
and common practices for healthful living in rural and urban slum habitat.

Intervention in handicapped sector

Disability is not a curse but it can be healed with proper care and involvement of community. BISWA and
District Disability Rehabilitation Center (DDRC) jointly organized a “Identification and Follow-up Camp
on Disability” in different blocks of Sambalpur Districts. Both community awareness and Parent
Counseling programme were conducted in these camps. In total 304 persons with different disabilities
have been identified and have been referred to the District Treatment and Rehabilitation Center,

Total Sanitation Campaign

BISWA has been identified as a Key Resource Center of Orissa State Water and Sanitation Mission for
eight districts: Sambalpur, Jharsuguda, Bargarh, Sonepur, Deogarh, Sundargarh, Mayurbhanj and Boudh.
The broad programme components are:

™ IEC Campaign
™ Installation of Individual Household Latrines (IHL)
™ Building up community level infrastructure for sanitation

By the end of May 2006, BISWA has covered 40 nos. of villages in 9 Grampanchayats in the aforesaid
districts and has constructed 712 nos. of IHLs in even number of Below Poverty Line families.

As a Key Resource Center, BISWA is also bestowed with the responsibility of imparting training
stakeholders at various levels e.g., Block level official, the PRI members, community leaders etc.

Total Sanitation Campaign is also being implemented in 1 block: Nawagarh of Janjgir Champa district of
Chhattisgarh. By the end of May 2006, BISWA has covered 602 families out of which 491 families
belong to BPL category. BISWA has undertaken training programmes targeting Anganwadi workers,
Auxiliary Nurse Midwives, primary school teachers in the target area. 25 Village Water & Sanitation
Committees have been promoted by BISWA which are legal entities having their own bank accounts.

Intervention in R & R sector

As per the New R & R Policy 2006 Govt. of Orissa, concern industrial houses have been given new
responsibility in the name of Corporate Social Responsibility. BISWA has been requested by Sambalpur
District Administration to provide intervention at Displaced Rehabilitation Centers i.e. Thelkoli &
Khinda. As per the request made by TATA Sponge Iron Ltd., our R & R team has conducted base line
survey in the proposed coal mining area at Jhintipal in Chhendipada Block of Angul District. More such
interventions are in the pipeline.

BISWA NETWORK, a national network of civil society organizations is promoted by BISWA to undertake
various developmental works at the grass root level with the joint effort of its partner NGOs. The prime
objective of the network is to develop the capacities, management abilities and good governance of the

Establishment of BISWA civil Society Study Centre:

To achieve this goal ,BISWA is also planning centre for civil society studies ( BCCSS) that will work
towards strengthening local democracy,panchayati-raj institutions, good governance system for pro-poor
development issues and democratic accountability. The centre would also work towards documentation,
publication ,research, and dissemination of best practices in social sector development, microfinance and
micro enterprise.

Infrastructure available at BISWA

1. Central Office is located in a 4-storied building having 24860 sqft of carpet area.
2. Training Hall of 6720 Sqft
3. Training aids: White Board, Liquid Crystal Display, Sound System, Conferencing arrangements
4. Computer systems attached to every desk

5. Telecommunication : Intercom, Telephones, Fax, E-Mail, Homepage

6. Two and Four wheelers
7. Ambulance
8. Office at all districts in operational area
9. Staff strength of 517
10. Well equipped canteen

On completion of 10 years of its operation, BISWA manifested its mission in the next 10 years to come
i.e. what it wants to achieve by 2014. The 10 years of experience of growth, of development, of failures,
of increasing interaction with community, with governance, with fellow development initiators formed
the base of this practical thinking. Although the original mission of BISWA as mentioned above has not
altered; it has attached a new dimension to it.

Hunger free Western Orissa:

Food security being the largest problem of all threatening the quality of human life in these parts need
focused attention, Providing additional/ alternative livelihood opportunities to rural people of western
Orissa shall top the priority list of BISWA in next decade.
100% Literate SHG members:
In recognizing the fact that educational empowerment can be brought about by organized women more
effectively than any other means, BISWA shall target its SHG members, speculated to cross 100000 mark
by next 5 years; to exercise their control over the educational segment with a holistic approach. All of the
family members of any picked SHG members shall be literate.
Conservation of Bio-diversity:
It is a fact that it takes all kind of creatures to make the world. Diversity in forms of life are endangered by
human brutality directly and indirectly. Just, compassionate and equitable social order cannot be brought
about by being the sole survivor. Conservation of bio-diversity for reasons of making environment more
human-friendly and accepting their share of all creatures on earth shall be one of the focus areas of BISWA
in next 10 years.
Scientific Water Management:
Though this region is abundant with natural resources, under and mis-utilisation has led to non-availability
of those to human benefit; even sustenance. Water tops the list. It is not bulk but the management practices
followed makes the inhabitants stay thirsty even in the river banks. By next 10 years, BISWA shall focus
towards modifying mass behaviour with regard to use of water for optimum mobilization of this life force.
The programmatic approach shall tend to ensure that adequate usable water is available for all applications.
Addressing unemployment:
The biggest national problem; unemployment; is proposed to be addressed by being able to provide
employment opportunity to at least one member from each of the families covered under the micro finance
program of BISWA. By the end of the decade, BISWA targets to cover at least 100000 households and thus
creating even number of employment opportunities; in any mode, self or salaried. Meeting the target shall
be a challenge which is the most welcome at BISWA.

Empowering community to address their health needs:

Health for all has been a global cry exceeding 10 years in full volume. Joining the school that does its mite
to pay a heed to the cry; BISWA in association with the community itself shall establish Community Based
Dispensing system that shall gradually empower the community to identify their health needs, address them
and control health issues threatening to endanger their own healthy survival.
Achieving the above is not a one-man show and BISWA has always believed in team work. It will be a
great task for BISWA to identify organizations nourishing similar dreams and to bring them together to
work hand in hand. Again challenges are welcome at BISWA and there is a saying that a clear vision
slips on still clearer road. BISWA shall utilize its available skill, experience, manpower and other
resources to enhance capabilities of such NGOs and as a team all shall walk together realizing the
nourished dreams.

Memento Memento
for contribution of Mr. K. C. For contribution of Mr. K.C
Malick, Chairman, BISWA in Malick,Chairman,BISWA
Human Rights by Forum for Fact in Human R ights
Finding Documentation and by Forum for Fact Finding
Advocacy Documentation &Advocacy
An Eminent Oriya weekly An eminent Oriya Weekly

Certificate of Appreciation BISWA KM Memorial Award

For Contribution of Mr. K.C. The winner of Best Organization Conferred to BISWA
Malick, Chairman,BISWA in Award for Contribution in Health For Outstanding Contribution
Social Nutrition & population In Creating Environmental Awareness
Service by Sambalashree An by Nehru Institute of Youth Affairs
ememinent Oriya weekly