Annual Report 2006-2007 of Bangladesh Extension Education Services (BEES)

Acronyms
ABCN Area Based Community Nutrition MATS Medical Assistance Technology School
ADR Alternative Dispute Resolution MCH-FP Maternal and Child Health- Family Planning
AIDS Acquired Immune Deficiency Syndrome ME Micro Enterprise
AM Area Manager MFMSF Micro Finance for Marginal and Small Farmers
ANC Antenatal Care MFTS Micro Finance and Technical Support
ARI Acute Respiratory Infection MMR Maternal Mortality Rate
ATTP Agricultural Technology Transfer Project MO Medical Officer
BARC Bangladesh Agriculture Research Council MOPME Ministry of Primary and Mass Education
BCC Behavioral Change and Communication NEARS Network for Ensuring Adolescent Reproductive
BEES Bangladesh Extension Education Services Right and Services
BKB Bangladesh Krishi Bank NGO Non-Government Organization
BMI Body Mass Index NID National Immunization Day
BNFB Bureau of Non-Formal Education NNP National Nutrition Programme
BP Blood Pressure ODA Official Development Assistance
BPHC Bangladesh Population and Health Consortium OSD Occupational Skills Development
BRDB Bogra Rural Development Project PAP Poverty Alleviation Program
CAR Contraceptive Acceptance Rate PKSF Palli Karma Sahayak Foundation
CBD Community Based Distribution PLCEHD Post Literacy and Continuing Education for
CBHP Community Based Health Project Human Development
CC Clinical Contraceptive PNC Postnatal Care
CDD Control of Diarrhoeal Disease PS Program Supervisor
CE Continuing Education RDP Rural Development Program
CIDA Canadian International Development Agency REM Research, Evaluation and Monitoring
CNC Community Nutrition Centre RLF Revolving Loan Fund
CNO Community Nutrition Organizer RMC Rural Micro Credit
CNP Community Nutrition Promoter ROSC Reaching Out of School Children
CRWRC Christian Reformed World Relief Committee RPF Rural Production Farm
DAE Department of Agricultural Extension RTI Reproductive Tract Infection
DFID Department for International Development SAP Social Assistance Program
DMF Diploma in Medical Faculty SDF Social Development Foundation
EPI Expanded Program for Immunization SIPP Social Investment Program Project
ERP Education Resource Provider SM Social Mobilizer
ESP Education Service Provider SRLP Socio-economic Rehabilitation Loan Project
FO Field Organizer STD Sexually Transmitted Disease
FSP Financial Services for the Poorest TB Tuberclosis
GOB Government of Bangladesh TBA Trained Birth Attendant
GMP Growth Monitoring and Promotion TOT Training of Trainer
HIV Human Immune Deficiency Virus TT Tetanus Toxoid
HNPSP Health, Nutrition and Population Sector Program UM Unit Manager
HPSP Health and Population Sector Program UP Union Parishad
HRD Human Resource Development UPP Ultra Poor Program
HSA Health Service Activities UMC Urban Micro Credit
IDA International Development Agency UN United Nations
IDC Information and Development Communication VDC Village Development Committee
IEC Information, Education and Communication VG Vulnerable Group
IFR Infant Mortality Rate WATSAN Water and Sanitation
IGA Income Generating Activities WGM Weight and Growth Monitoring
IUD Intra Uterine Device WI Winrock International
WUSC World University Services of Canada
2 BEES REPORT 06-07

Note of the
Executive
Director
Counting on collective action
Mounting an effective attack on poverty
Striving to make headway in poverty alleviation over the years, BEES has been established as a thriving gateway
to sustainable development. We are very much committed to achieve a just society and a decent standard of living
for every disadvantaged man, woman and child. As a blueprint for contributing to building a better Bangladesh,
our Poverty Alleviation Program is well-equipped with the twin key objectives like empowering disadvantaged
people and accelerating societal and economical emancipation for them.
BEES is operating its self-sustaining development programs cooperating with the community people. It is setting
the pace of progress for them through getting organized to win the race of prosperity. Capitalizing on timely
demand driven approach, we are working with and for the poor that they are made alleviative their poverty
through attaining a higher degree of self-reliance. In the light of Millennium Development Goals, BEES' vision and
mission are well-defined to cater to the target groups. BEES is now greatly expanding in size all over the country
with a view to making a sustainable contribution in development field through implementing its unique
integrated development approach and improving lifestyle of underprivileged people comprehensively.
Through a development lens, BEES believes that development can bear no fruit without effective resource
mobilization. Mulling this pivotal point over, BEES is advancing ahead to motivate, organize and groom the
deprived people through well-coordinated local resource mobilization that they would be able to sow seeds of
prosperity among them for harvesting golden tomorrow. We are sharply aware of empowering women resources
with a view to doubling the development of the nation as well.
Battling for easing vulnerability to chronic impoverishment for reaching desired future, BEES has been continuing
its diversified development programs over 32 years with a holistic approach. It fosters its profound philanthropic
beliefs and principles into its core policies and strategies. Thus BEES is actively participating in promoting human
rights, dignity, gender development and equality for increasing penurious people's social, financial, political and
cultural potentialities through a number of initiatives.
With the philosophy to fight back poverty, BEES since its emergence in 1975 centered upon a participatory and an
ever-growing social praxis for pepping up people to identify, analyze and invent pragmatic solutions to their own
problems. So to scale up their life skill for livelihood development, we have been stimulating their inner beings
through effective promotional activities similar to training, orientation, community convention, courtyard meeting
and so on. Catalyzing community people's own endeavors to a great extent, BEES bridges the gap between their
aspiration and action to translate the target into reality.
In response to demand and time, BEES had to address the cyclical challenges coping with prevailing social ethos
and circumstances. Over the reporting period 2006-07, we gave emphasis on needs of the broader section to the
disadvantaged community of rural and urban areas especially the marginal farmers, landless people, helpless
women and malnourished children. We had to experience colorful situation through trial and error a period of
learning and developing alternative user-friendly means appreciated by the community people. Nonetheless, BEES
attained a significant success in its field-based interventions. As per the target set in individual program plan, BEES'
BEES REPORT 06-07 7

achievement reached up to the mark. Though it had to confront several undesired troubles and difficulties
associated with staff dropout and some fund flow constraints which hampered the implementation of the programs.
During the reporting period, BEES carried out development activities and doled out the inclusive services to about
20 lac beneficiaries with great skill and helped them improve their livelihood by providing essential know-how,
guidance, instruction and much needed credit. The Micro-finance program and the Micro-enterprise Development
initiative played important role to keep up accelerated employment and income generation. Covering an estimable
achievement in addressing the health and nutritional status especially of women and children, health activities
committed to sound health for sound nation undertook an enhanced emphasis to provide basic health services to
the community people. The activities executed and lessons learned during the reporting period had performed the
groundwork for the next few years of successful operations and further enhancement of initiatives.
Counting on collective actions, BEES' dream is devoted to fueling the engine of development constantly through
stemming the spread of vulnerability related to ignorance, illiteracy, environmental pollution, risky behavior,
gender-based violence & discrimination, HIV/AIDS, STD and unemployment. It is orchestrating its intended
assignment perfectly through implementing diversified programs like Education, Agriculture & Social Forestry,
Water & Sanitation, Reproductive Health Literacy, Women Empowerment, Gender Awareness, HIV/AIDS
Prevention, Poultry & Livestock, Life-Skill Development, Interpersonal Communication, Advocacy, Networking and
so on. Our collaboration with government initiatives like National Nutrition Program (NNP) and Social Investment
Program Project (SIPP) has yielded positive result both to BEES and its beneficiaries on a great scale. Thus BEES
would like to raise a clarion call to curb the threats to sustainable development arming with the worthy assistance
from all respective stakeholders as a whole.
One of the prime concerns of BEES is reviewing its plans and progress consecutively considering all the existing
challenges for previewing achievements at concert pitch. As a consequence, BEES has the proper and familiar way
of breaking down barriers for maintaining high watermark of success in implementing activities from the salad
days. Beginning with an agricultural project in Bogra district for providing support to marginal farmers only,
currently its intervention areas with different development programs have been expanded to 3,033 villages of 138
upazilas in 30 districts to reach the unreached.
In materializing our journey ahead, we have been deluged with great blessings from the Almighty. At the same
time, we are looking forward in deep faith His all-powerful help for our continuing and enhancing devoted efforts
for the well being of all the poor. The dedication and determination of all members of BEES-family are the source
of the spirit to continue the achievement of the goals and objectives set through the demand-driven approach. Our
development partners and other stakeholders carried on to provide financial, ethical and timely backing and
assistance to our core operation which translated all our endeavors into success. I am essentially grateful to the
Policy Formulating Body of BEES who contributed with passion to forwarding our journey towards the sustainable
future. Furthermore, I would like to give my thanks in earnest to all the donors, contributors and associated
members who have been with us all the time.
At length, I hope this effort to publish the report will be of interest to the esteemed readers to be aware of the
programs, target oriented achievements and philosophy of BEES. Side by side, this report will be somewhat a
source of information to the partners and stakeholders of BEES program who are frequently supporting its effort.
Saiful Islam Robin
8 BEES REPORT 06-07

c u t i v e
Exe r y
Sum m a
Increasing development assistance

Bridging aspiration and action
Since its inception in 1975 as a project of Christian Reformed World Relief Committee, BEES has been working
comprehensively to translate the vicious circle of poverty into the virtuous circle of prosperity. Thinking over
greater success in achieving sustainable development, BEES in linking together smaller achievements all along by
way of bringing about changes in the lives of the poor, illiterate, neglected, unskilled and destitute people,
especially the women of the society. It is integrating innovation with implementation constantly for yielding
opportunities of ending poverty through their empowerment, self-reliance and improvement of lifestyle.
Nowadays, BEES is a thriving and wide-spreading development organization contributing to achieving Millennium
Development Goals (MDGs). It has been carrying out different programs and projects over 32 years for socio-
economic uplift of the greater majority of the rural and urban poor people letting them to get the gateway of
prosperity. It is striving to establish a just society in which men and women can work together to form an
institution to attain a higher degree of self-reliance in managing their own affairs as well as to achieve a higher
and sustainable standard of living.
Magnifying the development mindset for dignifying development through dedication, BEES works to bring the
impoverished and distressed people under the same umbrella and form homogenous groups to facilitate social
pragmatic change through social and economic emancipation. Any kind of destitute, displaced and deprived
people are by and large the target group of BEES. Coping with the time as well as in response to the existing
problem, needs and demand, BEES has to make changes in the criteria of selecting target group. The objectives
and goals set for initiating new programs and projects to cater to the need of the beneficiaries covering wide range
of population under its development fold often make BEES bring about changes in the criteria of target group.
With a view to easing vulnerability to illiteracy, ill-health and impoverishment for reaching sustainable future,
BEES’ development initiatives spread to 3,033 villages of 138 upazilas in 30 districts of Bangladesh. Now it is
intending to extend its interventions to new areas for ameliorating the sufferings of neglected people. In order to
address the development challenges, BEES has been implementing a wide range of diversified programs with
special emphasis to Micro-finance, Agriculture and Social Forestry, Health and Nutrition, HIV/AIDS Prevention
and Education. A number of support as well as special programs undertaken are contributing to achieving the
objectives of the main programs.
BEES believes that provision of savings, favorable access to credit and insurance facilities enable the poor to invest
money in productive activities. Thus they can manage their risks better, build their assets gradually, develop their
own micro-enterprises, enhance their income earning capacity and ultimately enjoy an improved quality of life.
Mulling over this significant point, the Micro-finance Program of BEES helped to promote economic growth and
BEES REPORT 06-07 9

development by creating a self-sustaining credit service among the poor and hardcore poor over the reporting
period. BEES provided three types of services to its group members under the Microfinance Program: i) Credit, ii)
Savings, iii) Credit Plus Services through Seba Package.
i. Credit:
BEES provided credit to its group members to initiate different income generating activities. Credit operations
were carried out through a Revolving Loan Fund (RLF) in a systematic process. It provided credit to its
beneficiaries through such subprograms under Microfinance Program as Rural Micro Credit (RMC), Microfinance
and Technical Support, Ultra Poor, Financial Services for the Poorest (FSP), Microfinance for Marginal and Small
Farmers, Urban Micro-Credit (UMC), Micro-Enterprise.
ii. Savings:
Savings opportunities with BEES provided members with fund for consumption, children’s education, improved
nutritional status and other investment. Income from savings generated greater capacity for self-investment, and
enhanced the ability to face external shocks by the group members. It also provided security for old age and served
as a contingency fund during natural disasters when income level fluctuated.
iii. Seba Package:

With a view to ensuring sustainable future through integrated empowerment, BEES incorporated Seba Package in
its credit activities to make the microfinance program more rich, creative and effective. BEES provides Credit Plus
Services entitled Seba Package to the target groups so that they can move to a higher degree of self-reliance with
a sustainable growth. BEES believes that parallel to financial support, people need to widen their periphery of
knowledge, skill and fulfill social requirements in a pragmatic manner. Therefore, BEES arranged Seba Package to
link credit facility with the following essential services to address these issues:
• Insurance
• General and Reproductive Health Services
• Agricultural Support Services
• Funeral Cost
• Pre-school
• Incentive for Pregnant Mothers (having maximum two children)
• Training.
BEES disbursed a total of Tk.893.65 million among 121,511 members consisting of 5,723 groups through the sub-
programs of microfinance during the reporting year. By the end of the year a total of Tk. 519.78 million was found
as outstanding money and Tk. 162.60 was found as savings balance deposited by the clients. Recovery rate was
over 98%, reveals a better performance.
Under Agriculture and Social Forestry Program pursuant of the schedule activities BEES distributed summer
vegetable seeds among 139,560 beneficiaries against the target of 145,569 and winter vegetable seeds among
108,900 beneficiaries against the target of 110,300 during the reference year. BEES trained its beneficiaries about
some agro-based improved technologies during the year. A total of 224 demonstration plots were set up in 224
farmers’ field. BEES distributed 95,530 different types of fruit trees, 98,360 timber plants and 25,475 medicinal
plants among its beneficiaries for plantation throughout the year.
During the reporting year, BEES implemented Agricultural Technology Transfer Project (ATTP) in collaboration
with Winrock International (WI), BARC, DAE and DLS with the financial support from JBIC/GOB/BARC. Two
types of technologies were included in the project design- Tissue Culture Banana Production and Semi-Scavenging
Poultry Rearing. Tissue Culture Banana Production was implemented at Monohordi upazila of Norsinghdi district,
and Semi-Scavenging Poultry Rearing was implemented at Sadar upazila of Brahmanbaria district. For transferring
technology about Tissue Culture Banana Production, a number of 30 demonstration plots were established; each
plot size was 10-12 decimals. For transferring technology about Semi-Scavenging Poultry Rearing, a total of 30
demonstration farms were established. Size of each farm was 5 ft length, 3 ft width and 4 ft height. A number of
10 poultry (9 hens and 1 cock) were reared per demonstration farm.
Under poultry and livestock program, BEES provides a number of services to its beneficiary members, like training
on poultry and livestock rearing and management and on other technical aspects as per requirements, ensures
credit facility as well as vaccination facility to run the program in an effective manner. During the reporting period,
a total of 40 staff and 2,305 beneficiaries received training on chicks, keys and model rearing, mini hatchery,
poultry management, goat and cattle rearing & farming. BEES distributed loan of Tk. 25.96 million among 10,205
10 BEES REPORT 06-07

beneficiaries. Out of total disbursed loan, an amount of Tk. 16.25 million was disbursed for poultry farming and
the remaining for livestock rearing and farming.
Education is the true essence of human development. Without education, development can be neither broad-based
nor sustained. Lighting up lives for fighting against ignorance, education makes sustainable linkage with far-
sighted view. BEES’ Education Program promoted by this profound thought is very much committed to make the
right a reality for the community people. During the reporting period BEES operated Post Literacy and Continuing
Education for Human Development (PLCEHD-1) and Reaching out of School Children (ROSC) under its education
program. PLCEHD-1 was a 9 months project funded by Bureau of Non Formal Education (BNFE) and Government
of Bangladesh (GOB). Under this project, the number of centers was 45 and each center was operated in 2 shifts
with 30 female and 30 male learners per shift considering the neo-literate of age 11-45 years. The total number
of learners was 2700. ROSC program was operated with the age of 7 to 14 years old learners enrolling 25 to 35
students per class with the financial support of Ministry of Primary and Mass Education (MOPME) of Bangladesh
Government. MOPME also provides the support for teacher’s honorarium, training, school dresses for learners,
teaching materials. BEES established 17 schools enrolling 577 learners, and it also formulated 17 school
management committees. All the learners continued to attach themselves with the ROSC project without any drop
out during the reporting period.
Sound health is wealth for all. Lack of access to general health care makes community people socially and
financially vulnerable. So they are often physically and mentally unable to put their best effort in national
development. Considering this key factor, BEES has been conducting various health related activities at field level.
BEES has been continuing the activity of Community Based Health Project in Adamdighi and Dhunot upazila of
Bogra District since January 2005 by its own fund. A total number of 216 satellite clinic sessions were organized
in the project area. Through satellite clinic clients received general treatment, medicine with low price. About 75%
pregnant women received the Antenatal Care Services during the year. They received the services on safe delivery,
ANC checkup, awareness building about child care after birth and breast feeding, and receiving Iron and Folic Acid
tablet. BEES provided the postnatal care services up to 42 days after delivery. BEES ensured at least 1 PNC
checkup, referral postnatal mothers for Family Planning and new born children for immunization. During the
reporting period, more than 98% children received all required vaccine and vitamin-A for immunization, 100%
pregnant women and 75% other women of 15 to 49 years old received TT.
BEES provided Area Based Community Nutrition (ABCN) services under National Nutrition Program in 6 upazillas
under 3 districts to its beneficiaries through 1207 CNCs during the reporting year. It delivered services towards
1,586,221 populations of different target groups from 302,278 households. A number of 1726 newborn babies
were registered and measured the weight of them, 5.79% weight was less than 2.5 kg. More than 99.7% of live
born babies received colostrums at birth, and about 62% babies received exclusive breastfeeding up to 6 months
of age. Nearly 2.6% children completed 6 months of age and among them 99.1% started complementary feeding.
For the children of below 2 years of age growth monitoring and promotion (GMP) coverage was 98.43%, where
moderate and severe malnutrition rates were 14.6% and 6.47% respectively. In June 2007, about 12.07% of
pregnant women having BMI below 17 and 2.63% children less than 2 years came under food supplementation.
By the end of the year a total of 19,322 pregnant women were registered and 97.68% of them the weight was
monitored and among them 94.61% women received the Antenatal Care services. More than 92.41% of registered
pregnant women received Iron Folate tablet, and 99.42% lactating mothers giving birth to newborn babies
received a supplementation after delivery. BEES provided Iron-Folate supplementation at the dose of two tablets
per week and de-worming (Albendazole 400 mg) tablets for 68,476 enlisted adolescent girls of 13-19 years old.
BEES counseled 95% mothers of moderately malnourished children on child feeding and care through 1197
sessions. BEES registered 7653 newly wed couples as of June 2007 and counseled 98% couples on contraception,
delayed pregnancy, reproductive health and on other related issues.
Under the special program, BEES as a participating organization has implemented the Social Assistance Program
(SAP), phase-II and III, a sub-component of ‘Social Investment Program Project (SIPP)’ in collaboration with Social
Development Foundation (SDF) with the financial assistance from IDA for the hard core poor and vulnerable
group members in 264 drought and disaster prone villages of Gaibandha Sadar, Sundarganj and Sadullapur
upazilas under Gaibandha district during the reporting year. Over this year, social mobilization, advocacy program
especially on health, education and dowry related issues, legal aid services, institution building in village level,
occupational skill development training and employment assistance and capacity building in the community were
the major activities of the program.
BEES REPORT 06-07 11

There is no alternative of scaling up skill in dealing with challenges for implementing programs more efficiently.
In this aspect, training plays a significant role. Under the training program BEES provided two types of training
which were Human Resources Development (HRD) training and Occupational Skills Development (OSD) training
during the reporting year. A total of 32,809 target beneficiaries and 1,689 staffs received training against the
annual target of 33,500 and 1,800 respectively. The training topics were tissue cultured banana production,
business development services, semi scavenging poultry production, human & leadership development, skill
development for social assembly, community operational manual, HIV/AIDS prevention, livestock and poultry
rearing, small scale trade, tailoring, beef fattening, vegetables production, alternative dispute resolution, good
governance, human rights & laws, etc for the target beneficiaries and credit and savings management, skill
development, problem solving and overdue reducing techniques and effective communication skills, gender and
development, community operational manual, program need assessment etc. for staff of the organization.
Every digit of communication engraves development. BEES’ Information & Development Communication activities
are underpinning sustainable human development (SHD) through raising awareness, building vision, advising on
policies and so on being associated with the core programs. During the reporting year, Information and
Development Communication (IDC) Cell published Annual Report of 2005-06 year, Desk Calendar’2007
containing month planner, exclusive messages and photos highlighting its projects and programs, Wall
Calendar’2007 containing exclusive photos and highlighting the program/project activities. Besides, exclusive
New Year Greetings Card, 1000 copies of Note Book, an introductory book-let on BEES-MF programs entitled
Towards a New Hope, a collection of success stories entitled Kulsums and Karims were published by IDC cell
during the reference year. IDC cell maintained intensive network through building consortium with a view to
establishing promising partnership with the development organizations that development programs might be
initiated.
With a view to reviewing plan, program and activities for previewing success, Research, Evaluation & Monitoring
(REM) cell is working competently providing necessary findings, guidance, feedback etc. in time. During the
reporting period this cell conducted a study to assess the impact of the FSP project which has been being
implemented in Madabpur upazila of Hobigonj district with the financial assistance of PKSF since July’2002. The
cell also prepared the Annual Report 2005-2006 to exhibit the annual progress of the organization. Besides, REM
cell conducted an evaluation on Community Based Health Project to expose the health and family planning status
of the target people after a long time implementation under the health program of BEES.
It is necessary to put sincere efforts in gender development if we want to root out poverty effectively.
Understanding and implementing gender and rights approach and giving most importance the women’s rights and
social awareness on gender related issues and to extend the social, financial and legal support to its group
members, BEES established the Gender and Rights cell in 2006. During the reporting period the cell reviewed and
modified the existing gender policy and gender sensitized service manual of BEES by discussing several sessions
with the policy formulation committee of the organization according to the demand of the current situation. The
cell provided two training courses on conceptual clarity on gender for all staff of SAP project and Microfinance
program of Gaibandha district. A three days workshop on ‘Gender Analysis and Planning’ was organized for BEES
senior level staff. The cell facilitated different session on gender sensitivity for the newly recruited staff of the
organization.
Over the reporting period, BEES gathered extensive experience that community participation and demand-
responsive services are the prerequisite of establishing community ownership. It was devoted wholeheartedly with
all its efforts to contribute to social pragmatic change by reducing social, financial and environmental
vulnerabilities as a whole. It learnt that the very balance and integration between the well-coordinated social
assistance and local resource mobilization comprising human resource development have no alternative in making
development more effective and sustainable. In this aspect, the strenuous efforts from all potential stakeholders
fuel the engine of development constantly.

lf of the
s t a in e d . M o r e than ha ough
self-su ecutively ey have not en ral
e r it y towards rty in bay cons ities. Th y, gene
e s in t o pro s p
g to k e ep po v e
m in im al amen owledge, literac e being
chang is strivin without having kn ar
Knitting nt, Bangladesh cess to roblems irtuous
e e r ty line to la ck of ac d a y , d ifferent p to th e v
m der po v ce du e day by erty in
develop in g u n in d ig e n d it. S o o f p o v
re liv h rigoro
us ecially c
re ious circ
le
people a c ope wit so u rces esp translate the vic
ill to v e re
life sk producti cessary
to
Extensio
n
are and much ne gladesh
health c But it is v e r y
t. , BEE S ( B a n
n titled R u ra l
ip li ed . a n y c o s e s e n s e tiv e e n
mult y at ple in tr
u
ent init
ia
Alleviati
o
prosperit ged peo rated developm enting Poverty 97. Then
circle of dis a dv a n ta
teg lem 19
wering s an in een imp approach since rving the
vie w to empo o ff in 1975 a tr ic t. It has b c lu siv e fo r se
With a e rv ic e ) set
in B o g ra Dis r ts th ro ugh in a ft e r a nother
n S DP) sive effo ES one
Educatio nt Program (R w ith exclu n taken by BE
e d
Deve lo p m -equ ip p e e b e e e years. stone to
ra m (P AP) well t initiatives hav t people over th stepping rtunity
Prog p m e n d ig e n is th e
ppo
t develo ed and in challeng
es
yment o ort is to
differen estitute, depriv g w it h o r e m p lo
S' eff
,d ealin e
of incom Therefore, BEE
illiterate fe skill in d la c k target
a lin g up li
o n ly due to
e n sions. e n t for the
tha t s c is n o t
a variety
o f d im velo p m ams and
BEES b
elieves p m e n t. Poverty ste d in h life skill de d iffe re nt progr ure &
lo if e ug g lt
ble deve syndrome man eneration thro onductin k, agricu reas
sustaina o m p le x m e n t g v e a c ti on it is c ultry & livestoc u rb a na
a c emplo y collec ti nce, p o al an d
but also e o r ti n g o n ro fi n a o f ru r
a sus in r,
ta able
m o te incom o f th is , coun s is ta n ce, mic n ta g ed people c il it a te
pro iew ga s dva fa havio
n e fi c ia ries. In v nterprise lendin ringing the disa neous groups to hanging the be ups,
b e ro e B homoge c o
like mic d so on. tion. For g the target gr ge
projects y , e d u c ation an S w o rk s to form omic emancipa s s a m on r ch an
restr BEE eco n aren e ehav io
social fo same umbrella, ough social and wledge and aw train in g , b
ive ocia
s l
e
under th hin the society
thr
ro v in g kno c o m prising d c o m prehens
im p ie s a n
change
wit well as l activit acy, networking
n d p r a ctice as e p r o motiona , a d v o c
a siv n
attitude g inclu unicatio any a
E S is initiatin rpersonal comm eed. g e across m ting
B E inte of n b rid ra
ication, the basis ing the me gene
commun n constantly in B E E S is build velopment, inco rights, legal
tio (PAP), e
mobiliza source d human the
ia tio n Program ices, human re s programs on en linked up to
A lle v a re s e r v a re n e s h a v e b e
Poverty health c rth. Aw ent etc. ed.
Through nt activities like ment and so fo en empowerm a n d w ell-groom
e p o m a l
develop
m d develo uality, w nificant, potenti pment
v it ie s , livelihoo ance, gender eq o r ts s ig in g it s develo hed
ac ti ver n e ff o v id is
good go ake the been pr ed and impover are
support, m e n ta tion to m e d s , B EES has d istr e ss g ram s
imp le and n e urban oor p ro
program g pro b le m s
e ru ra l a n d
le, it s p ro -p
ligh ft o the
h ti m e , existin pproaches to th v e r ty a s a who f population in tegies of
pace wit mand driven a war on
po e range
o
s and str people
a
Keeping o u g h de n to win the v e rin g the wid d by the police u n ity
th r is io s c o ne e, com m
services along. With a v the beneficiarie ps are well-defi s ta n c health,
o p le a ll c a te r to g e t g r o u
lo p m e n t. For in
b e n efi c iaries of have
pe to tar ve ct ho
properly ment Goals. Its elf-sustained de nts are the dire f 18-45 years w ccept
designed e v e lo p te d to s d o le sc e o m e n o e d to a
mD mit nd a nd w offer
Millenniu ual project com ears, children a ddition, men a institutions are u ps ha s been
in d iv id -4 9 y s . In a n c ia l t g r o
each n of 15 rogram er fina e targe
y wome cation p s or oth n of th
especiall trition and edu ommercial bank . The definitio report.
, nu om c BEES is
MCH-FP t loan fr it program of on in th
a c c e s s to g e
-c re d g r a m p resentati
no icro pr o
from m der each
facilities categorically un
ed
mention

BEES has the vision of an evenhanded society in
which men and women can work together to form
institution to attain a higher degree of self-reliance
in managing their own affairs and achieve a higher
and sustainable standard of living.
To bring about changes in the lives of the poor,

illiterate, neglected, unskilled and destitute people,
especially women of the society, through their
empowerment, self-reliance and improvement of
life style by its endeavors for sustainable
development.

With a view to winning the war on poverty as a
whole, BEES' pro-poor programs are designed
properly to cater to the beneficiaries covering the
wide range of population in light of the Millennium
Development Goals. Men, women, children,
adolescents and disabled people within the
program areas are the target beneficiaries of BEES
with especial emphasis to destitute women and
hard core poor. Presently, BEES is providing
services for improvement of livelihoods to a
population of more than 20 lac people.
Building and Strengthening Community

Institutions Centering upon Collective Action and
Empowerment, Pro-poor and Gender Sensitive
Interventions, Demand Responsive and
Decentralized Service Delivery Mechanisms Well-
defined by Participatory Rural Appraisal,
Promotion of Good Governance and Sustainable
Development are the major approaches of BEES to
run all programs smoothly.
During the reporting year BEES worked in

3,033 villages of 138 upazilas under 30 districts
of Bangladesh. BEES likes to expand
intervention area gradually covering new areas
of the country to address the needs of people
who are continuously fighting against poverty.

Organizational Structure 2006-2007

2.0 Rural Development
Program
BEES set about Rural Development Program (RDP)

in the name of Bogra Rural Development Program (BRDP) in 1975
under Bogra district putting the highest possible emphasis on participatory process for
empowering disadvantaged people to identify, analyze and devise creative solutions to their own problems
as well as making them battle against bondage of poverty. The goal of Rural Development Program is to contribute
to syndicating the people into cooperative groups for bringing about long term pragmatic changes in the social
and economic status of the poor and upholding a vision of self-reliance. Under this program, BEES has been
facilitating to create a favorable situation for the poor to generate self employment and reduce their poverty
through initiating income-generation activities.
The Group Approach adopted by Rural Development Program is a unique and remarkable strategy. It ensures
contributory and dynamic participation from each of the members, promotes gender equity and creates a base of
education for the stakeholders towards establishing a thinking society. Through this program, BEES created a
mechanism to insert realization among the target groups of the needs, basic rights and inspiration to come out
with innovative ideas to survive in the society. Putting together its members into groups as per the well-defined
participatory approach, BEES offers a service package spanning awareness raising program and skill development
through provisions of credits, technical services, inputs and marketing facilities. The following are the core
activities under this RDP:
• Micro-Finance
• Agriculture and Social Forestry
• Poultry and Livestock
• Education
2.1 Micro-finance Program

Most of the people of Bangladesh are poor. They are deprived of the facilities to borrow, save and invest in
productive activities for the lack of access to the formal banking. In response to this multi-diversified and wide-
ranging problem, the micro-credit program inaugurated by the NGOs is playing a significant role in reducing
poverty through income generating and other promotional activities. Nowadays, in the name of micro-credit,
credit is being spread all over the country very fast. Consequently, million of poor men and women are being able
to bring about positive changes in their livelihood. They are being provided with credit at a reasonable rate that
they become able to be involved in various income generating activities and thus become financially self-reliant.
BEES started its micro finance activities way back in 1979 through agreement with Bangladesh Krishi Bank (BKB).
But its direct involvement in microfinance with concerted efforts grew only around 1988, when agreement with
BKB failed. Then the Canadian International Development Agency (CIDA) a donor agency allowed for using part
of the development fund for revolving loan fund. After that BEES moved forward to microfinance interventions
receiving micro-credit & developmental activities fund from Royal Netherlands Govt. and steadily gaining support
from other donor agencies, PKSF and banks. In presence PKSF is a major micro credit provider of BEES. It is also
providing the training and other logistic support depending on the requirements of the program/projects. The
other interventions cover micro-enterprise development, education, institution building, legal rights; health,
MCH-FP, nutrition, environment, sanitation, disaster preparedness; women employment generation, training and
credit to encourage small-scale income generating enterprises. The target groups of BEES Microfinance Program
are landless poor people focusing in women, people who own <0.5 acre of land, people who earn their living by
selling manual labor, the ultra poor who live below the poverty line and members between 18-45 years of old.

Goal
Ensuring socio-economic upliftmen and empowering the disadvantaged people especially women through
microfinance.
Objectives
To reduce poverty, create self employment, establish equity between male & female, insure fundamental human
rights for poor, ensure sustainable development, promote livelihood development, and improve life skills.
Components of Microfinance Program

BEES provides credit, savings and credit plus services as sheba package to its group members through its
Microfinance Program. A brief description of these services is given below:
i) Credit
BEES provides credit to its group members to initiate different income generating activities. Members must have
some savings with BEES before being eligible for loans. Credit operations are carried out through a Revolving Loan
Fund (RLF). This RLF consists of PKSF, bank loan, members' savings, and BEES's own fund. Under Microcredit
Program BEES has disbursed total Tk.305 crore and recovered Tk. 225 crore up to June/2007.
Key Features of Loans

• Loan range Tk. 4,000-3,00,000 (US $57-4286)
• Interest rate 12.5% flat (Ultra Poor 9.20%)
• Loan recovery rate 99%
• Repayment mechanism: Equal weekly installments.
Loan products
Rural micro-credit (RMC), urban micro-credit (UMC), micro-finance & technical support (MFTS), ultra poor
program (UPP), financial support for the poorest (FSP), micro-finance for marginal & small farmers (MFMSF),
seasonal loan, and micro-enterprise development program loan, etc.
BEES loan can be taken for employment and income generating activities. The loan size ranges usually between
Tk. 4,000 to 3,00,000 (US$57-4286) and payable by weekly installment. Key components of microfinance
program are given bellow:
a) Rural Micro-credit (RMC)

Rural Micro credit is one of the major interventions of BEES. Presently Micro credit program of BEES is on going
in 28 districts throw 90 unit offices. Under this program, a total of Tk. 158 crore has been disbursed as loan and
about Tk. 135 crore has been realized. The recovery rate is 99%.
b) Micro Finance and Technical Support

Apart from Micro credit facilities, BEES provided necessary technical support to its group members. PKSF is giving
financial support of this program. The members received the training on modern agricultural techniques, livestock
and poultry development through this program. Presently this activity is running in three districts. Under this
program, a total of Tk. 29.01 crore has been disbursed as loan, and about Tk. 24.32 crore has been realized. The
recovery rate was 99%.
c) Ultra Poor Program

Micro-credit programs of BEES covered 25 million people through 5.0 million households. But many ultra poor
are still out of coverage of this program. Neither the government, nor the NGOs' micro-credit programs became
able to extend the services towards them satisfactorily. BEES has kept the step to assist those people for getting
access in micro-credit services. The poor who have no land or house of their own, have to live hand to mouth and
are far away from mitigating the basic needs remaining out of the reach of credit support and savings behaviors
are covered under the initiative. BEES has presently undertaken to assist the ultra poor to take following income
generating activities:
• Cottage industry based on indigenous materials, e.g., bamboo or bamboo cane, hogla, cane, mat etc.
• Livestock and poultry rearing
• Tailoring
• Nursery development project

• Vegetable cultivation & seed production
• Small shops to sell retail products
• By-cycle and rickshaw repairing shop.
Moreover, BEES has been providing the ultra poor with motivation and skills development training so that they
can become self-employed on a sustainable basis. Under this program, a total of Tk. 25.62 crore has been
disbursed as loan and about Tk. 17.82 crore has been realized. The recovery rate was 100%.
d) Financial Services for the Poorest (FSP)

BEES started FSP project in July 2002 for the hard core poor people of Madhabpur upazila of Hobigonj district.
Its view is to develop a sustainable model for reducing the number of the extreme poor based on effective use of
micro-credit and other financial & technical services to enhance their income and improve their livelihood.
Through this project BEES has organized 177 groups and enrolled 4,158 target beneficiaries with these groups;
provided human development training to 3,749 beneficiaries and skills training to 645 beneficiaries, organized 3
workshops, disbursed loan Tk 49.19 million to 3,483 beneficiaries.
e) Micro Finance for Marginal and Small Farmer

This program has been taken to support the marginal and small farmers to provide with credit facilities as well as
technical support. Initially PKSF has extended financial support to undertake the activities in Sherpur and
Netrokona district. In near future this program will be extended in the other parts of the country. Under this
program, a total of Tk. 3.25 crore has been disbursed as loan and about Tk.1.88 crore has been realized. The
recovery rate was 100%.
f) Urban Micro-Credit (UMC)

BEES has been conducting Micro-credit activities among the rural poor since 1979. But there is a great portion of
people who are dwelling in the urban areas having no minimal basic amenities. A remarkable number of people
migrate from villages to the urban areas every year for seeking work. They lead their lives as rickshaw puller
residing in the unhygienic environment of the slums in the towns. Some of them are involved in unsocial and
illegal activities for earning their livelihoods as well. Considering this over-all situation, BEES thought that it was
very much necessary to help those destitute and disadvantaged people ensuring their rehabilitation and socio-
economic uplift. With the help of own fund, BEES has been working for their development consecutively over the
last the 10 years. Recently PKSF has provided fund to BEES for this purpose and the program Urban Micro-Credit
(UMC) has been more strengthened with an auspicious mobility. Now BEES is providing credit facilities to 8814
beneficiaries in 22 units under this program. A total of Tk. 35.79 crore has been disbursed as loan and about Tk.
30.74 crore has been realized. The recovery rate has been 99%.
g) Micro-Enterprise
BEES observed many small entrepreneurs, craftsmen and skilled workers in the rural areas struggling hard to
overcome their sufferings due to scarcity of capital; so, BEES realized that financial support to them would help
promote their business and thus enhance development initiative including subsequent employment opportunity in
the rural and urban areas.
Micro-Enterprise Development Program is not completely new in BEES, though formally started in 1994. Primarily
in the early phase of its evolution, the program was initiated with the support of 1 million taka in small pocket in
Sherpur upazila under Bogra district.
The result was very positive, therefore, from July 1997, it was promoted in other potential BEES micro-credit
intervention areas to support small entrepreneurs under micro-enterprise development program. Under this
program, a total of Tk. 44.50 crore has been disbursed as loan and about Tk. 37.77 crore has been realized. The
recovery rate is 99%.
h) Seasonal Loan Program

Every beneficiary is eligible to receive two loans, one is regular loan and another is seasonal loan. Seasonal loan
is a short term loan for a particular season. Duration of this loan is for 3-6 months. Under this program, a total of
Tk. 1.52 crore has been disbursed as loan, and about Tk. 1.31 crore has been realized. The recovery rate is 100%.
ii) Savings
The collection of savings is an important part of credit operation; and the regular savings of a group indicate a
better discipline in the group's credit operation. From the members' point of view, savings represent an

opportunity to save a lump sum amount of money and
earn profit for them, which they cannot avail of from the
formal market or any regular financial institution.
Savings opportunities with BEES in future will provide
members with fund for consumption, children's
education and other investment. BEES members deposit
two types of savings:
a) Weekly savings
Every member deposit minimum Tk. 20 /- per week as
a weekly savings. It is a compulsory savings for the
member. BEES gives 5% interest for this savings.
When members are interested to leave the
organization they get back their entire savings.
b) Emergency savings
This is an additional savings for the members.
Members can deposit minimum Tk. 10/- every
week as an emergency savings. Members can
withdraw this savings in any time and any
purpose.
iii) Sheba Package

BEES provided credit plus services entitled
SHEBA Package through four components: a)
Insurance, b) General and Reproductive Health,
c) Training and d) Input Delivery. SHEBA
Package has a great contribution for operating
the Micro Finance Program more effectively
and efficiently. Through this service, program
beneficiaries can enhance their knowledge
and skills to utilize their credit money in
effective way.
During the reporting period followings were

the details about the components of Sheba
Package.
Insurance
The insurance provision is almost similar.
Any of the group members of BEES are
eligible for insurance service. Without an
insurance policy the credit program may
face problems in recovering the
outstanding loans from the borrower's
successors in case of death. BEES has
introduced the insurance policy to
mitigate this problem.
General and Reproductive Health

Services
During the reporting period SHEBA
package had significant contribution
in Health Service Activities. This
package provided the diagnosis
facilities with equipments in
limited scale with a hope to expand
in future. Under the Sheba
Package, BEES transformed a
23
portion of office setting into the static clinic.
BEES recruited a total of ---- paramedics under
this package during the reporting year, who
were preferably Diploma in Medical faculty
(DMF) from Medical Assistance Technology
School (MATS), and ---% were from other
reputed institutions including Gonosasthya due
to unavailability from MATS. Since July 2002,
BEES has been implementing the Health
Service Activities for developing the health
related issues of beneficiaries' family members
parallel to MF loan facilities. Direct clients &
their family members and project
implementing staffs and their family members
are getting services from HSA.
The paramedics of BEES under SHEBA

package are providing following services:
• Delivering essential drug based limited
curative cares.
• Helping for contraceptive selection and
adopting birth control method.
• Delivering Ante Natal Care (ANC) and
Post Natal Care (PNC) for the
pregnant women. Identifying
pregnancy related complications and
early risk-delivery through routine
close follow-up and checking B.P.,
urine sugar and albumin.
• Motivating to participate in EPI
(Expanded Program on
Immunization).
• To raise awareness for personal
hygiene, nutrition, and population
control.
• Motivating the beneficiaries to
participate in the National and
International Health Days like
National Immunization Day (NID),
World Health Day, and World AIDS Day
etc.
Till end of June 2007, a total of 43

paramedics were working in HSA. An MO
from BEES central office worked for 2 days in
a week in the Static clinic of Urban Area
Office, Dhaka and rest 3 days through
intensive field visits to monitor the satellite
and static clinics. During the reporting period
HSA was implemented in Naogaon, Bogra,
Gazipur, Narsingdi, Dhaka, Faridpur,
Brahminbaria, Noakhali, Gaibandha,
Rajshahi, Sherpur, Kishoregonj, Hobigonj and
Chuadanga districts. HSA provided the
service for a total of 120,407 members
(females 114,489 and males 5,918) with
their family members from a total of 5,671
groups (4976 female groups and 695 male

groups) from 2,563 villages of 485 unions of the above mentioned districts.
During the reporting period out of total registered cases 5.33% for ARI (Acute Respiratory Infection), 7.33% for
diarrhoea, 9.00% for malnutrition, 5.33% for worm infestation, 3.00% for skin diseases and 28.33% were treated
as other cases which included fever, headache, anaemia, hypaeracidity, asthma, general weakness, allergy, low
back pain, leucorrhoea etc. Among all the cases 3.67% and 1.67% received ANC (Ante-natal Care) and PNC (Post-
natal Care) respectively. 1.33% of the cases were immunized by TT (Tetanous Toxoid). For contraceptive methods
users 15.33% for Pill, 7.33% for condom, 6.00% for injectables, 4.33% for IUD (Intrauterine Devices), 1.33% for
ligation and 0.67% for vasectomy were recorded.
Training
Modern agricultural technology transfer, seed production and storing technology, fruits and vegetable production
technology, small poultry farming and cattle rearing & fattening, rice-fish production technology, agro-forest
nursery management, PHC, MCH-FP, adolescent health, food & nutrition, group formation and leadership
development, group dynamism and other skilled development training are provided.
Input Delivery
Seed, seedling, sapling, fertilizer and pesticide distribution; fencing, supervision and follow-up etc are the services.
The target beneficiaries receive the above services and other health related services through group meeting and
static & satellite clinics of BEES.
During the reporting year, total income of seba was Tk. 21,846,905 and expenditure was Tk. 2,564,107.
Achievement
Putting effort constantly to gain firmer footing on the road to sustainable development, Micro Finance program
extended its activities in one more district in the reporting year. It increased 7 more units with 125 more staffs.
In this period it also increased 757 groups and 22,648 members. Outstanding money and savings were increased
up to Tk. 162.26 million and Tk.51.86 million respectively. By the end of the reporting year Tk. 519.78 million
was found as outstanding money and Tk. 162.60 was found as savings balance deposited by the clients. Recovery
rate was over 98%, reveals a better performance.
Under the microfinance program a total of 121,511 members consisting of 5,723 groups received support from
BEES during the reference year. BEES disbursed a total of Tk. 893.65 million among the beneficiaries through
different components considering various types of IGAs and the cumulative disbursement was Tk.3048.85 million.
Component-wise loan disbursement, number of members, outstanding,

recovery and savings balance status as on June 2007
Total Members Disbursed Amount Total Recovery Total Outstanding Savings Balance
Name of Program
(in number) (Tk. in million ) (Tk. in million) (Tk. in million) (Tk. in million)
RMC 58871 1492.48 1350.49 249.49 74.68
UMC 8809 427.85 307.38 50.52 16.86
ME 3968 465.02 377.70 67.32 25.08
SEASONAL 541 15.20 13.10 2.10 0
SRLP 0 20.32 20.32 0 0
FSP 4158 49.19 37.45 11.74 3.01
MFTS 11316 290.13 243.22 46.90 19.66
UP 31417 256.15 178.16 77.99 19.05
MFMSF 2972 32.51 18.80 13.72 4.26
Total 121511 3048.85 2546.62 519.78 162.60
During the reporting period, BEES disbursed the loan on different IGAs. Small Enterprise was the highest (84.5%)
IGA of micro enterprise disbursed loan.

IGA wise loan disbursement of micro enterprise component
Sl. No. Name of IGA % of Disbursed Loan
1 Small Enterprise 84.50
2 Poultry Farm 2.80
3 Milking Cow 3.50
4 Food Processing 0.70
5 Small & Cottage 3.10
6 Agriculture 7.20
7 Fish Culture 0.60
8 Transport 1.60
10 Special Production 0.30
11 Others 2.50
BEES field worker organize meeting with group members once a week to collect the installments against the
disbursed loan, individual savings and to discuss different social and technical need based issues like family
planning, social awareness, various IGA activities, plantation, women right's and gender equity, disadvantages of
dowry and early marriage, utilization of indigenous resources, etc. BEES also established linkages among the
enterprises, different money lending institutions, raw material suppliers, buyers, shopkeepers, salesman, and
other GO/NGO stakeholders.
Other planned activities under the micro-finance program such as auditing of the program activities by the
internal auditors, annual auditing by the external audit firm and regular monitoring and supervision of the
activities were found completely satisfactory throughout the year.

Shiuli towards
Prosperity and
Success
Putting efforts for being self-reliant
Rooting out poverty effectively
"When I was thoroughly downhearted to

get loan from any financial institution
without having collateral security, BEES
enhanced its hand of financial
assistance to me providing necessary
credit," Shiuli Rani Debi recalls her
distressed days as those days were
before her winning the war on
poverty.
If you ever go to Shiuli, you discover

that her face is being enlightened by
a bunch of happiness and prosperity always. But,
how has it been possible? The answer is concealed in her simple
confession, "Collection of determination, self-respect and restless hard work is the cornerstone for
being blossomed into self-reliant which undoubtedly prevails in the inner beings of every disadvantaged woman.
I stimulated my potential through consecutive effort and endeavor and believe that I have miles to go to translate
my far-sighted dream into reality."
Shiuli's husband is Niranjan Debnath. Her husband and she were struggling to manage minimal requirements for
an ordinary life with adequate food, clothes and other basic amenities for their family. She is a mother of two
children. They are living in a small village Lakshimpur surrounded by endless and unique natural beauty in
Raypura upazila under Narsingdi District.
Shiuli had only income earning opportunities with their job related to hand loom. They were suffering from severe
impoverishment due to irregular and petty income. There was no one among the neighbors from who she could
get Tk. 10 only as loan in emergency condition. Being ignored for a long time, she just became sensitive to a great
extent and recurrently tried to keep away from relatives and peer-groups. She used to remain apathetic, poignant
and depressed to the prospect of her life owing to prevalent impoverishment in her family. She used to feel
tremendously miffed as she had been treated as like a vagrant only for her meager earnings. She had no life skill
at all to keep pace with the existing vulnerable situation and manage food and other unavoidable necessities for
the offspring and other family members. Nonetheless, she longed and looked for the very moment to establish her
as enough proficient by her own earnings and implored the Almighty to have such a chance.
To the best of her recollections, Shiuli says being about to weep, "When my family was being overwhelmed
constantly with grief and sorrows, I made contact with the Unit Manager of BEES to get a loan. As per the
suggestion of the Unit Manager, I formed a samiti e.g. group named Lakshimpur Mohila Samiti. Concurrently, I
had to receive training on Social Awareness to be known how I would be able to cope with existing social
challenges. I took training on trade management, homestead gardening and product marketing respectively as
well. Following the rules and regulations of the samiti, I applied for a loan. With the money of this loan Tk.
5,000/=, I with pleasure set about a small scale trade of weaving clothes enthusiastically in 1999."
Shiuli was a conscientious, exuberant and passionate entrepreneur. After repaying the loan properly, she received
Tk. 12,000/= as credit from BEES. She was striving heart and soul to extend her business with the money and in
the course of that, she bought looms and necessary materials for weaving cloths.

For the third time, Shiuli took Tk.17,000/= as a loan and spent the amount for the same purpose. Her husband
also helped her becoming engaged in making tant (loom) business more profitable and prospective. Centering
upon in gaining more profit, they established further looms one after another and her products like gamchha (light
towel) got popular in the local market as well as a great demand of the products had been created in the markets
of Dhaka. Lastly Shiuli took Tk. 40,000/= for her tant business in April 2007. Currently, their monthly income is
about Tk. 15,000/= and expenditure is Tk. 12,000/=.
With the passage of time, the predicament associated with agony and hopelessness was progressively being
decreased and happiness has made good all of her destitution. She has attained a profound mastery of production-
oriented activities. Her enormous contribution to increasing family income results in that her remark and opinion
are being evaluated by her husband in making any decision. Getting services from BEES' credit plus services
through Sheba Package and being oriented regularly by courtyard meeting, she is now acquainted with primary
health care, nutrition, education, reproductive health care, prevention of dowry, using safe water & sanitary
latrine, prevention of HIV/AIDS and so forth. At present, her financial soundness makes her aware of being treated
by qualified doctors. She is very much conscious of educating their children properly as well.
All of these aftermaths has made Shiuli economically, socially and spiritually empowered in true sense. She is
participating in different development activities. Destitute neighbors often come to her to take necessary advice.
The colorful and wide-ranging experience in her life has fueled her speculation tremendously that a woman has
no alternative of working for her own safety.
Shiuli is decidedly indebted to BEES for moving her life to emancipation from poverty and making her endeavors
prosperityward.

3.0 AGRICULTURE
PROGRAM
Agriculture fuels the stamina of the national growth
nourishing our families, communities and the growing
populations of the country. So agriculture deserves
profound emphasis that national development can
sustain allaying hunger and poverty as a whole. If
development program is not able to assimilate
agriculture development activities - like accelerating
local agricultural expertise - aptly and timely the
program may not be capable to contribute to
sustainable development in real sense. BEES has the
very intention to supplement the sustainable
development with proper tools to tackle
impoverishment in light of Millennium Development Goals (MDGs) in the course of
initiating different agriculture programs. It has been accelerating access to financing for farmers, rural farm input
suppliers, grain traders and agro-processors. For unlocking rural economic growth potential and addressing poverty
at its core, it is essential to dramatically increase the productivity, food security, incomes and livelihoods of small-
scale farmers. So BEES' beneficiaries - especially the ultra poor farmers mostly women - are being encouraged a
great deal to be involved in agriculture-based IGAs for shaping their well-being through self-reliance.
3.1 Agriculture and Social Forestry

Easing vulnerability to environmental pollution and poverty is a pivotal prerequisite to lead healthy life. It matters
more to sustainable development undoubtedly. Agriculture and social forestry is such kind of components which
can help to eradicate poverty as well as ensure a good environment. Bangladesh is one of the most suitable
countries to implement the agriculture and social forestry activities. It has fertile land, skilled & dedicated farmers
and cheap labor facilities. If the country utilizes these resources it can reach the goal through eradicating poverty
increasing more yields of different crops and ensuring the better environment.
Since its inception, BEES' integrated development initiative has taken root through the comprehensive agriculture
program. The program under Bogra Rural Development Project (BRDP) started its journey with a vigorous
optimism at the backdrop of a drastic food crisis in 1975. Catering to the target beneficiaries, it comprised such
need based activities as research and development (R&D), training of farmers, input service back up and so on.
Necessary technology knowledge along with small-scale irrigation equipment like hand tubewell were provided to
encourage the farmers to irrigate small piece of land that remained barren during the dry season. Through
different promotional activities like awareness building, the inner beings of the farmers were stimulated to apply
modern farming technology and change their food habits for protecting themselves from malnourishment.
With the passage of time, the Agriculture Program was getting further integrated and widespread. In late nineties,
the program was entitled Agriculture and Social Forestry being well-equipped with more effective implementation
strategies and need based approach. To facilitate farmers and community people on the whole, the program
provided them various inputs to attain the maximum quality of crops. Through these activities, BEES provided
support for plantation of various trees to contribute to environment and ecological protection. The services related
to modern technology support, financial support as loan, distribution of saplings, supplying seeds and facilitation
of tree plantation were provided under this program as well.
3.1.1 Objectives
To adopt sustainable agro-technology by target beneficiaries for enhancing the nutritional status and income level
of the most vulnerable groups in the society and enable them to become financially self-reliant through crop

diversification, to increase agricultural production and to promote social forestry to bring favorable ecological
balance in the environment.
3.1.2 Major interventions

Group formation, social mobilization, savings and credit management, agro-technology transfer, establish home
gardening, conduct agro-demonstration at farmer's field, create awareness related to health, nutrition, personal
hygiene & family planning, conduct training & workshop for project staff and beneficiaries, distribute seedlings/
saplings/ grafting and other inputs among beneficiaries.
3.1.3 Achievement
With a view to grappling with poverty for trapping hunger, BEES' Agriculture and Social Forestry program attained
a remarkable success in the reporting period 2006-'07. As per the schedule activities of Agriculture and Social
Forestry Program, BEES distributed summer and winter vegetable seeds among the target beneficiaries in this year.
It distributed summer vegetable seeds including okra, red amaranth, ridge
gourd, ash gourd and kangkong among 1,39,560 beneficiaries against the target
of 1,45,569 and winter vegetable seeds including bottle gourd, Indian spinach,
red amaranth, sweet gourd and radish among 1,08,900 beneficiaries against
the target of 1,10,300.
Training for staff and beneficiaries

BEES arranged training for staff and beneficiaries based on the requirements
to run well the program effectively as well as they utilized their learning for
enhancing their economic status. During the year, BEES organized training
for 308 staff and 2,455 beneficiaries on chick, key and model rearing, mini
hatchery, poultry management, egg & feed selling, tissue culture banana
production, semi-scavenging poultry rearing, goat and cattle rearing and
farming. Most of the beneficiaries received training on key rearing while
only 20 beneficiaries received training on mini hatchery. After receiving
the training on poultry and livestock it was observed that their
monthly income had been increased up to Tk. 1600/month/person
from poultry and livestock rearing and farming.
Improved Technologies
Under the Agriculture and Social Forestry Program BEES trained
its beneficiaries about some agro-based improved technologies
like vegetable seed production, integrated nursery, tissue culture
banana production, spacing of seed sowing, tree plantation in
agricultural crops, homestead gardening, mini orchard
establishment, compost preparation using kitchen waste and
dung, rice-fish production, IPM in vegetables & crops, and
vegetative propagation of fruit trees, soil and fertilizer
management, pest control during the year.
Agriculture Fair
For introducing the activities and to reach to the vast
population within a very short time BEES participated in
15 agriculture fairs during the reporting year as its
schedule work. These fairs were held in Norshingdi,
Fraidpur, Gopalgonj, Sherpur, Noakhali, Feni,
Chuadanga and Madaripur district.
Demonstration Plot
Under the program demonstration plots are
established by the progressive farmers with the
aim to enhance the nutritional well being through
intake of fresh vegetables, utilization of fellow
lands around the homestead as well as idle
manpower and to earn extra money. During the
reporting year a total of 224 demonstration

plots were set up in 224 farmers' field. Aman, wheat, oil seed, pulses, summer and winter vegetables, tissue
culture banana cultivation using modern technologies, heap compost preparation, green manure, farm yard
manure, kitchen gardening, existing fruit trees management, orchard preparation were the items demonstrated
for the progressive farmers. Farmers got required nutrition from a variety of vegetables throughout the year and
ensured economic benefits as well. However, a total of 35,395 farmers were benefited from these initiatives.
Tree Plantation
For ensuring better environment & better health and enhancing the economic status of the beneficiaries through
plantation, every year BEES distributes fruit, timber and medicinal trees among its beneficiary members. In the
reporting year, BEES distributed 95,530 different types of fruit trees including mango, jackfruit, carambola,
lychee, blackberry, guava, coconut, lotkon and olive among its beneficiary members under its Agriculture and
Social Forestry program. It also distributed 98,360 neem, shishu, mehegoni, akashmoni, shegun, raintree, etc as
timber plants and 25,475 arjun, hartaki, bohera as medicinal plant among its beneficiaries for plantation.
Agricultural Inputs Delivery

BEES delivered quality seed, seedlings/saplings, fertilizer and pesticide as agricultural inputs to its beneficiary
members during the reporting year.
Input wise Beneficiaries' Numbers

Sl. No. Type of inputs Number of Beneficiaries
1. Seed 86,380
2. Fertilizer 30,050
3. Pesticide 15,360
4. Seedlings/Saplings of vegetables 25,630
5. Tissue culture banana seedlings 30
3.2 Agricultural Technology Transfer Project (ATTP)

Under the Agriculture and Social Forestry Program, BEES has implemented a project titled 'Agricultural
Technology Transfer Project (ATTP)' in collaboration with Winrock International (WI), BARC and DAE with the
financial support from JBIC/GOB/BARC. The project was commenced in October 2006 and accomplished in June
2007. Through the project Tissue Culture Banana Production was implemented at Monohordi upazila of
Norsinghdi district.
3.2.1 Objectives
The objectives of the project were:
• To transfer technologies which are profitable and sustainable (generated by the NARS/universities and others)
and facilitate their wider dissemination for the farming and small business communities.
• To promote/establish contract production through linking RPF's products with market channel.
• To develop capacity building of the small and medium farmers, NGOs and POs entrepreneurs and actors in
the value chain on technology transfer and through providing BDS training / market development approach.
• To strengthen research-extension and farmers marketing linkage and NGOs/POs and development human
resources for effective program implementation.
3.2.2 Major interventions

Farmer selection, benchmark survey, TOT training for staff, training for selected farmers and value chain actors,
establish tissue culture banana production demonstration plots, organize workshop and field day.
3.2.3 Achievement
3.2.3.1 Tissue Culture Banana Production
BEES deployed one project coordinator, one supervisor and one accountant into the project just after agreement
with the donor agency. A total of 60 farmers were selected conducting benchmark survey for the implementation

of the project activities in the identified working villages. Project Coordinator and supervisor received crop
technology training on tissue culture banana production, and accountant received training on accounting process
under the project. A number of 30 demonstration plots were established, size of each plot was 10-12 decimals. A
number of 100-120 seedlings of BARI Kala-1 (Sagar), Chapa and Sabri Kala were cultivated in per demonstration
plot. Selected 60 farmers received basic training on tissue culture banana production, and out of them 30 farmers
were directly involved with tissue culture banana production under demonstration activities. Demonstration plots
farmers also received refresher training on tissue culture banana production. As a result farmers have been able
to increase their attitude, values, knowledge and skills on tissue culture banana production. A total of 30 value
chain actors (input sellers, service providers and market actors) received training on market mechanism
(BDS/MDA) about banana and increased their capacity building on market mechanism in the intervention areas.
BEES organized a field day on performance of the project in the implementation area. Upazila Agriculture Officer,
all demonstration plots farmers and other trained farmers and local people participated in the field day. Tk.5,624/-
was invested per demonstration plot and Tk. 7,500/- was earned from per plot. According to this calculation cost
of invest per acre land was Tk. 46,866/- and returns was got Tk.62,500/-. A total of 5 women have also been
empowered on NARS technology in tissue culture banana production through the implementation of the project.
3.3. Poultry and Livestock Program

Since poultry and livestock sector has a great involvement with raising the income of beneficiary farmers BEES
has been operating this program since 1980. Not only income raising, this program also contributes to women
empowerment and nutritional enhancement. Women earn extra money through selling milk, eggs, chicks and
chicken etc. Besides, family members consume the products like milk, meat, eggs and chicken, and get nutrition
for leading the healthy life, and can reduce the treatment cost. By this program they can enhance their technical
know how on livestock & poultry rearing and reduce the mortality rate.
Under this program BEES provides a number of services to its beneficiary members, like training on poultry and
livestock rearing & management and on other technical aspects as per requirements, ensures credit facility as well
as vaccination facility to run the program in an effective manner.
3.3.1 Objectives
The objective of this program is to increase income particularly of women, enhance nutritional status through
increasing protein intake of the rural poor, reduce poultry and livestock mortality, improve the variety of poultry
birds and upgrade the local breeds of livestock through crossbreeding.
3.3.2. Major interventions

Group formation, social mobilization, savings and credit management, conduct training and workshop for project
staff and beneficiaries, arrange high breed poultry birds and cattle, arrange vaccine for poultry & livestock.
3.3.3. Achievement
Under this program a total of 12,309 beneficiaries were covered against the target of 15,600, which implies about
79% achievement. BEES arranged several training courses related to poultry and livestock for its beneficiaries as
well as staff. During the reporting period, a total of 40 staff and 2,305 beneficiaries received training on chicks,
keys and model rearing, mini hatchery, poultry management, goat and cattle rearing & farming.
Category-wise Number of Trainees Received Training from Different Courses

Category wise no. of staff and beneficiaries received training
Training topics
from different courses
Staff Beneficiaries
Chick rearing 40 80
Key rearing 40 2025
Model rearing 40 50
Mini hatchery 40 20
Poultry management 40 60
Cattle rearing and farming 40 45
Goat rearing and farming 40 25

During the reference year, BEES distributed loan of Tk. 25.96 million among 10,205 beneficiaries. Out of total
disbursed loan, an amount of Tk. 16.25 million was disbursed for poultry farming and the remaining for livestock
rearing and farming. A total of 774 poultry farms and 230 livestock farms were established, where 160,264
poultry and 6,240 cattle were existing respectively.
After receiving training, beneficiaries could

realize the need of vaccination and
vaccinated 165,840 poultry birds and 5,230
livestock in their communities. They could
increase their monthly income up to Tk.
1,600 in average through involving with
poultry and livestock activities.
3.3.3.1 Semi-Scavenging Poultry

Rearing
Under poultry and livestock program, BEES
implemented Semi Scavenging Poultry
Rearing through ATTP project at Sadar
upazila of Brahmanbaria district during the
reporting year. It deployed necessary staff
into the project just after agreement with
the donor agency and provided TOT
training. A total of 90 farmers were selected
conducting benchmark survey for the

implementation of the project activities from the
identified working villages. Thirty demonstration
farms were established in the project implementing
area, the size of each farm was 5 ft length, 3 ft width
and 4 ft height. A number of 10 poultry (9 hens and
1 cock) were reared in per demonstration farm. The
variety of hen was Fowmi and cock was RIR.
Selected 90 farmers received basic training on semi-
scavenging poultry rearing and out of them 30
farmers were directly involved with semi-
scavenging poultry rearing under demonstration
activities. As a result farmers have been able to
increase their knowledge and skills on semi-
scavenging poultry rearing. A total of 30 value
chain actors (input sellers, service providers and
market actors) received training on market
mechanism (BDS/MDA) about poultry and
increased their capacity building on market
mechanism in the intervention areas. BEES
organized a field day on performance of the
project in the implementation area. Upazila
Livestock Officer, all demonstration farms farmers
& other trained farmers and local people
participated in the field day. In each
demonstration farm investment cost was Tk.
2,705/-. In average a number of 836 eggs was got
from each farm and return was Tk.4,180/-( 836 ×
@ Tk.5/- = 4,180/-) . A total of 30 women have
been empowered on NARS technology about
poultry rearing for their livelihood development
through the implementation of the project.

Asma's
Winning
the Fight over
Poverty
Making voice heard
Taking the lead to prosperity
"Since my family was being distressed due to lack of

food and starvation, I and my family members were
precisely the persons to be tormented by our community
people. I used to feel terrifically humiliated being treated
as like a beggar as a consequence of my poor economic
condition. Even then, I experienced my life as a great burden
that I could not manage food and other minimal
requirements for my four children and other family members,"
Asma Rahman of Narayanpur village under Muksudpur upazila of Gopalganj district recalls her fretful days gone
by. Asma 32 years old was one of the thousands of housewives in the neighborhood who were battling constantly
to lead a mundane life with food, clothing and other basic amenities for their families. Her husband Ahad Mia was
a day-laborer. He was only the earning member in the family. His income was not regular and enough to bear the
family expenses.
In the poverty-stricken days of yore, when Asma and her family were at the catastrophic edge owing to financial
misfortune and social deprivation, she was informed of an organization named BEES having activities related to
skill development training, primary health care and providing loan among the indigent people. In this severe
situation, she went to them and requested to be associated with them for getting loan urgently. In response to her
earnest emergence, they were empathetic enormously making her a member and trained up in line with her
interest and capability for being involved in income generation.
After receiving skill training on homestead gardening and so forth, Asma Rahman got 5,000 Taka loan from the
BEES-Samity in August 2004. She started to earn a good amount of money by selling vegetable in local market.
Paying back the loan in installment regularly, she took second loan amounted to Taka 7,000 for starting a small
fishery and profited well. In the mean time, she took further training on such IGAs as poultry & livestock and fish
cultivation.
Asma embarked upon a mini poultry firm with the 3rd loan Taka 14,000. She set about to make a good sum of
profits by selling eggs and poultry in the neighboring bazar. With the fourth loan of Taka 20,000, Asma infused
necessary money into her running business to make them more beneficial with more investment. Since then, all
the three projects - homestead gardening, fishery and poultry rearing - have been running with more profits. Thus,
Asma Rahman has been empowered through economic self-reliance and capitalizing on great confidence. Making
her prosperityward, all these consequences have fulfilled her dream of sufficient income earning for mitigating the
hunger and starvation in her family for ever.
Being well-equipped with financial and technical support from BEES, Asma and her family at the present earn
Taka 9,000 and spend Taka 7,500 per month. She is spending more to improve their livelihood status like
increased spending on quality food, dresses, even for recreation purposes. She has enhanced spending on children

education and health care and is currently more competent to save a helpful amount of money to mitigate
household unpredictable food insecurity in crisis like with scarcity and joblessness in the area.
Possessing a tremendous feeling of triumph from achieving self reliance with the help of BEES has changed Asma
Rahman methodically. She has become wholehearted, dynamic and participatory in the family and community
decision-making as well as in social endeavors. She has acquired knowledge, information and awareness on many
social issues. Being aware of general health care, cleanliness, nutrition, environment, safe drinking water,
sanitation and so on, she has moved her life forward up to the standard. For scaling up life skill more, she obtained
trainings on Social Awareness, Enterprise Development, Trade Management, Product Marketing, Fish Cultivation,
Primary Health Care etc. as well.
Asma Rahman has become courageously poised to raise her voice to the local level bodies and to the community
leaders. Concurrently, she stirs up her destitute neighbors to be self-reliant and to strive for attaining their rights
with uphill struggle that they are able to thrive for standing on their own foot.

4.0 Education
Program
Mattering to access to rights comprehensively, education is a necessary and principal prerequisite for social justice,
development and peace. But it is very much sad for us that a great portion of our population is still scourged by
illiteracy drastically. In response to this critical circumstance, BEES has been driven to take education as a
fundamental need and believe that the lack of access to quality education is a great hindrance to life-skill and
livelihood development. As a whole, our economical, social, political and cultural developments are being
hampered by the unendurable bane emerging from illiteracy.
Involving with the education program since 1984 through offering the Functional Education for its beneficiaries,
BEES is striving to supplement national efforts towards building an illiteracy-free society which ultimately helps
the poor empower themselves to come out of poverty. BEES designed education centers in such a way that both
of rural and urban poor people had access for getting study. It covered the maximum number of children within
the target area and kept the operational cost lower. BEES addressed a large number of children who are deprived
from formal schooling system. BEES maintained linkage with other NGOs and GOs for implementing the program
in expanded areas intensively and successfully.
During the reporting period BEES operated 3 different types of projects under its Education Program:
1. Post Literacy and Continuing Education for Human Development (PLCEHD-1)
2. Reaching Out of School Children (ROSC)
3. Pre-primary Education through Sisimpur
4.1 Post Literacy and Continuing Education for Human

Development (PLCEHD-1)
PLCEHD-1 is a 9 months project of BEES under its education program funded by Bureau of Non Formal Education
(BNFE) under the Ministry of Primary and Mass Education (MOPME) of Government of Bangladesh (GOB). The
major objective of PLCEHD-1 is to increase the functional application of literacy skills by providing post-literacy
and continuing education to neo-literates through a more comprehensive and enhanced system that they can use
literacy skills to increase their incomes, improve their families' welfare and participate fully as citizens. According
to the allotment of BNFE, one NGO can provide services for 15/30 centers, and each center operates 2 shifts with
30 female and 30 male learners per shift.
4.1.1 Achievement PLCEHD-1

During the reporting period the target of total number of center under PLCEHD-1 was 15, but BEES could achieve
this number up to 45. BEES involved 3 Supervisors and 90 Facilitators instead of 1 Supervisor and 30 Facilitators
for operating the activities of additional number of centers. Bureau of Non Formal Education (BNFE) authorized
for the more number of centers, so the achievement was also more than target. Bureau of Non Formal Education
(BNFE) appreciated on the performance of BEES as a donor.
BNFE organized a 6-day long training session on 'Master Training', where 2 female and 2 male BEES staff was
participated. Enrolment of learners in case of neo-literate of age 11-45 years; the target was for 900, where as the
achievement was 2700. BEES also arranged a 6-day long basic training for 62 staff and beneficiaries, but the
organization achieved for 93 staff and beneficiaries. Six-day long refresher training on Continuing Education (CE)
was also arranged by BEES for staff and beneficiaries of PLCEHD-1. BEES achieved the target on that refresher
training.

4.2 Reaching Out of School Children (ROSC)
ROSC is for 5 years project with the objective to create scope of primary education for reaching out of school
children, increase quality of primary education in the project school, and increase capacity & capability of relevant
organizations. Among the age of 7 to 14 years old are the students of ROSC, and in one class 25 to 35 students
are enrolled under the guidance of one teacher.
ROSC program operates it activity with the financial support of Ministry of Primary and Mass Education (MOPME)
of Bangladesh Government. MOPME also provides the support for teacher's honorarium, training, school dresses
for learners, teaching materials and grant to NGOs i.e. Education service provider (ESP) and Education Resource
Provider (ERP). BEES acting were as an ESP role. The major responsibility of BEES is to supervise the activities of
ROSC schools and to conduct the meeting of School Management Committee through Field Organizers of
respective project.
4.2.1 Achievement of ROSC

During the reporting year BEES established 17 schools, and it also formulated 17 school management committees;
the target was also for 17 in both the cases. The beneficiaries of ROSC project are the 7 to 14 years old learners
who are not going to any formal school for study. In this case BEES had target to enroll 577 learners, and it
achieved that target. All the learners continued to attach themselves with the ROSC project without any drop out
during the reporting period.

4.3. Pre-primary Education through Sisimpur
Pre-primary education through Sisimpur project was also for the duration of 9 months. The major objective was
to stimulate 5 organs of sense at the early stage of children, create the scope of early learning at the age of 4-6
years, and to prepare mental & physical development for going school by their own interest.
BEES made an agreement with a supporting agency named Nayantara Communication to implement the Sisimpur
pre-primary education program. BEES planned to implement the project with the project staff of NNP and SAP,
but due to workload with their own projects they were unable to perform this additional job. That's why BEES
could not provide service towards 300 centers for pre-primary education according to its plan.

5.0 Maternal and Child Health-Family
Planning (MCH-FP) & Nutrition Program
Sound health is key wealth all along life. It is known to all that health investments often yield the highest rate of
return in development field. But the crux of the matter that most of the people of the country are deprived of
essential health care services. As a result of living below the poverty line, they are very much vulnerable to ill-
health, malnutrition, STD/HIV/AIDS and so on. Keeping an eye on this precarious condition, within its
programmatic capacity, BEES puts an enhanced importance on the health aspect of the community people,
especially of the poor. With a view to improving and sustaining the availability of preventive and basic curative
health-care services by creating, promoting and strengthening the necessary health-care system in the intervention
areas, BEES has been implementing multi-dimensional health program since its inception in 1979. It executed
many health projects catering to its beneficiaries belonging to different development programs with component
of primary health care, family planning, nutrition, kitchen gardening, cooking demonstration, growth monitoring,
immunization, watsan, arsenic mitigation etc. throughout its project area around Bangladesh. The projects were
funded by different donor agencies like CRWRC, CIDA, WUSC, ODA, BPHC and Bangladesh Government. During
the reporting session 2006-2007, BEES implemented the following health Program /projects.
5.1 Community Based Health Project (CBHP)

BEES commenced Health and Nutrition Program in 1979 in Bogra district with its own fund. Subsequently in
1984, BEES recognized its health and family planning program with the financial support of Canadian
International Development Agency (CIDA). That program was continued up to 1992. From 1992, BEES initiated
its Community Based Health Project (CBHP) in 6 upazilas of Bogra District under Bogra Rural Development Project
(BRDP) with the financial support of Bangladesh Population & Health consortium (BPHC-DFID) previously known
as ODA along with continued funding support from the Royal Netherlands Government up to December 1997.
BPHC again continued its financial support to CBHP project from January 1998 to serve ESP service delivery of
HPSP program of GOB through bidding process. Later on, its activities were concentrated in Adamdighi & Dhunot
upazila of Bogra District until December 2004. After December 2004, BEES has been continuing the activity of
CBHP by the surplus fund generated from Micro Finance Program. Considering the positive impact during the
previous period BEES initiated to continue this project. The team of REM cell from BEES visited the operating area
of CBHP to evaluate the activities of the project.
Objectives
The overall objective of the project was to impart improved services regarding reproductive health, family
planning, child health and general health to the community people especially fertile couples (15-49 years),
children (0-1 year), adolescents (10-19 years) and treating common ailing patient through static and satellite
clinics conducted by qualified paramedics and skilled community health workers.
Major Interventions
Major interventions of the project were reproductive health, family planning services, child health, communicable
disease control, limited curative care and behavioral change & communication.
Reproductive Health: Antenatal care (routine antenatal check up, distribution of vitamin A capsule, TT-2),
Safe delivery care (Institutional delivery, safe delivery by TTBA and qualified person) & Postnatal care.
Family planning services: CBD (Community based distribution pill, condom), CC (Clinical contraceptive):
Injectable, IUD, referral for ligation & NSV) services, Adolescent Reproductive Health Services
Child Health: EPI, Vit-A distribution, Acute Respiratory Infection (ARI), Control of Diarrheal Diseases (CDD)
Communicable Disease Control: Reproductive Tract Infection (RTIs)/ Sexual Transmittal Diseases (STDs),
HIV/AIDS, TB, Regional disease like goiter, leprosy etc.

Limited Curative
Care: Static and
Satellite clinical
service for general
treatment.
Behavior Change
Communication
(BCC): Court Yard
meeting, community
meeting, workshop,
seminar & other
promotional
activities (National
day observance,
Rally, Miking etc.)
5.1.1 Achievement
Dealing with challenges for healing social and economic wound, BEES' Community based Health Project was very
much committed to sound health for all comprehensively during the reporting period 2006-'07. About 75%
pregnant women received the Antenatal Care Services from BEES in this year. They received the services on safe
delivery, ANC checkup, awareness building about child care after birth & breast feeding, and receiving Iron and
Folic Acid tablet. 65% pregnant mother gave birth safely with the assistance of Trained Birth Attendants. They also
ensured giving colostrums to their new born babies. BEES provided the postnatal care services up to 42 days after
delivery. BEES ensured at least 1 PNC checkup, referral postnatal mothers for Family Planning and new born
children for immunization.
BEES encouraged the community mothers on Family Planning, motivated the eligible couple to use FP
contraceptive and distributed contraceptive and materials to the targeted clinics receiving from Govt. FP
department. Almost 76% couple received the assistance on the above mentioned services provided by BEES
through CBHP.
During the reporting year more than 12,500 couples adopted different types of contraceptives like IUD, Injectable,
vasectomy, Tubectomy and Norplant. A number of 83 static clinic sessions were organized in the project area. In
addition, 216 number of static clinic sessions were also organized. Through satellite clinic clients received general
treatment, medicine with low price. During the reporting period, more than 98% children received all required
vaccine and vitamin A for immunization, 100% pregnant women and 75% other women of 15 to 49 years old
received TT.
5.2 National Nutrition Program (NNP)

Without nutrition awareness development can bear no fruit at all. Mulling over this moot point, BEES is enhancing
its efforts to advancing development continuously through executing nutrition projects like NNP at field level.
National Nutrition Program (NNP) is a program of Ministry of Health & Family Welfare with the financial support
of World Bank. This project commenced on December 2003 with the vision to reduce malnutrition, particularly
among women and children, to the extent that it ceases to be a public health problem. Its goal is to develop and
strengthen communities' capacity to assess, and analyze the causes of their malnutrition problems and to make
better use of family, community and external resources to improve the nutritional status of vulnerable groups.
Food insecurity is not only the cause of malnutrition; behavior, social attitudes, and a lack of understanding and
knowledge of nutritional needs tend to be associated with this. Since September 1, 2006, NNP has been working
under HNPSP (Health, Nutrition & Population Sector Program). According to this new sector, specific objectives
of nutrition package have been modified from NNP to HNPSP.
Components of NNP
A. Services Component:
a. Area-Based Community Nutrition (ABCN) Services
b. National Level Nutrition Services

B. Project Support and Institutional Development Component:
a. Project Management and Development
b. Monitoring and Evaluation
c. Training and Behavior Change Communication
Geographical Coverage
During the reporting year BEES provided the health services in 6 upazillas under 3 districts through its National
Nutrition Program. BEES has been implementing the activities in those areas
from December 2003.
Target Beneficiaries
• Children less than 2 years old
• Pregnant women
• Lactating mothers
• Unmarried adolescent girls
• Newly married women
5.2.1 Achievement
During the reporting period BEES delivered Area Based Community Nutrition (ABCN) service under NNP to its
beneficiaries in 82 unions of 6 upazillas through 1207 CNCs. It delivered services towards 1,586,221 populations
of different target groups from 302,278 households. NNP implementing staff of BEES registered 1726 newborn
babies in 6 upazilla and measured weight of 1671 babies, in percentage the coverage was 96.81. Along with 1671
babies, 5.79% were under weight i.e. their weight was less than 2.5 Kg. Among total under weighted babies 51%
was male and 49% female. More than 99.7% of live born babies received colostrums at birth, and about 62%
babies received exclusive breastfeeding up to 6 months of age. Nearly 2.6% children completed 6 months of age
and among them 99.1% started complementary feeding. For the children of below 2 years of age growth
monitoring and promotion (GMP) coverage was 98.43%, where moderate and severe malnutrition rates were
14.6% and 6.47% respectively. In June 2007, about 12.07% of pregnant women having BMI below 17 and 2.63%
children less than 2 years came under food supplementation.
Respective implementing staffs of BEES registered 19,322 pregnant women, and monitored the weight of 97.68%
of total registered women. Among them 94.61% women received the Antenatal Care service in June 2007. More
than 92.41% of registered pregnant women received Iron Folate tablet, and 99.42% lactating mothers giving birth
to newborn babies in June 2007 received a supplementation after delivery. Trained Birth Attendants (TBAs)
conducted 68% delivery, untrained birth attendants conducted 11% and nurse & doctors conducted 20% delivery.
In June 2007, Maternal Mortality Rate (MMR) was estimated as 1.57, and Infant Mortality Rate (IFR) was 16.77
per 1000 live birth. Major cause of IFR was pneumonia.
Enlisted 68,476 adolescent girls of 13-19 years old attended the forums, where basic nutritional facts,
reproductive health, life skills, delayed marriage and anti dowry motivation were the major issues to discuss. BEES
provided Iron-Folate supplementation at the dose of two tablets per week and de-worming (Albendazole 400 mg)
tablets for those adolescent girls. BEES counseled 95% mothers of moderately malnourished children on child
feeding and care through 1197 sessions. NNP implementing staff of BEES registered 7653 newly wed couples as
of June 2007 and counseled 98% couples on contraception, delayed pregnancy, reproductive health and on other
related issues. Those new couples also received Iron-Folate supplementation at the dose of two tablets per week
from the organization through NNP. By using testing kit project staffs identified that 93.41% households are using
iodine mixed salt for satisfying their daily needs. More than 96% CNPs and 97% CNOs participated in one-day
long monthly refreshers training in June 2007. During the reporting period all the targeted total refreshers
training for WGMs were also held, where 98% WGMs participated. Due to growth faltering, severe malnutrition
and severe illness 468 pregnant and lactating women and 555 children were referred to different Govt. and NGO
health facilities.

6.0 SPECIAL
PROGRAM
BEES doggedly reckons and is enthusiastically engaged in promoting human rights, dignity, gender equality and
social emancipation through life-skill and livelihood development of the target groups . It is seriously committed
to creating the environment that permits the poor to break out of the cycle of poverty and hopelessness all along.
Catering to the beneficiaries, BEES often endeavors to execute special development activities well-equipped with
integrated approach and down-to-earth method. Social and financial assistances are being ensured inclusively
through such activities with a view to reducing vulnerability of the community people related to poverty, ill health,
malnutrition, illiteracy, environmental pollution, sexual violence, women abuse, gender discrimination, HIV/AIDS,
STD and unemployment.
6.1 Social Assistance Program (Phase II and III)

Bearing the profound vision to spur development for all, Government of Bangladesh has taken a project entitled
'Social Investment Program Project (SIPP)' with the assistance from the IDA. The project is being implemented by
Social Development Foundation (SDF) and being delivered by private sector & NGOs with effective community
participation. Social Assistance Program (SAP) is a sub-component of SIPP. BEES as a participating organization
has been implementing the Social Assistance Program (SAP) , phase-II for the hard core poor and vulnerable
group members in 190 drought and disaster prone villages of Gaibandha Sadar, Sundarganj and Sadullapur
upazilas under Gaibandha district since January,2005. SAP phase-III has been implemented in 74 drought and
disaster prone villages of Gaibandha Sadar since November, 2006.
6.2.1 Objectives
The main goal of the project is to create enabling environment for disadvantaged community and increase their
participation in decision making and thereby decreasing social exclusion and improving local governance.
The overall objective of the project is to test and support alternative methods of service provision and financing
for poverty reduction by way of increasing poor people's access to small social and economic infrastructure and
social assistance services delivered by private sector and NGOs with effective community participation.
6.2.2 Major Interventions

During the reporting period major activities of SAP, Phase II and III were:
• Social mobilization
• Advocacy program specially on health, education and dowry related issues
• Legal aid services
• Occupational skill development training and employment assistance
• Institution building in village level
• Capacity building in the community
6.2.3 Achievement
Social mobilization
Accelerating the pace of development, social mobilization has significant, effective as well as the very
responsibility for keeping the project on right track to reach the desired destination. It plays essential role to
ensure resourceful and efficient participation, decision making and capacity building of the community people.
During the period, social mobilization achieved up to the mark success at field level being implemented
enthusiastically and attentively.

Initiated Social Mobilization Activities
Name of Activity Number Name of Activity Number
Meeting with Vulnerable Group 18,518 Meeting with Upazila level Officials 7
Meeting with Youth Group 1,838 Conduct Union level workshop 2
Meeting with Sanitation Committee 249 Training on Social Mobilization and leadership 188
Meeting with Villagers 1,566 Identify Gram Shebak 222
Meeting with Gram Parishad 23 Orientation for Gram Shebak 222
Meeting with VDC 555 Report cards fill up by VDC. 188
Advocacy Program
Bearing creativity through pioneering innovative initiatives, BEES conducted different types of advocacy activities
capitalizing on various timely approaches and pragmatic methods under the Social Assistance Program (SAP).
Advocacy had been provided through group discussion, personal motivation, motivation through civil society,
motivation through law practitioners, arrange workshop, performed village theater, folk song, video show,
billboard presentation etc. The advocacy program was very effectual to build awareness on respective issues in the
phase II & III targeted areas.
Advocacy Activities Implemented

Conduct advocacy session on dowry,
Conduct advocacy session on hygiene 561 1,870
early marriage, divorce and polygamy.
Conduct advocacy session/ campaign on Advocacy session on institution
561 10,382
immunization. building
Advocacy session on installation Advocacy session on savings
561 10,382
of sanitary latrine in 100% villages and loan
Motivate fertile couple to Advocacy session on education
285 185
adopt FP. method. with VG members
Organize Village Theater on different Follow up the attendance of the
6 189
social issues. admitted children.
Conduct advocacy training on good
Exhibit Video films on WATSAN. 120 6
governance with UP.
Legal aid services

Raising awareness on human rights and laws in the project area was another pivotal commitment of the projects.
Under this legal aid service oriented component, BEES organized training, advocacy, conducted shalish and
dispute resolution through law practitioner as well as brought about record keeping of birth, death & marriage.
Legal Aid Services Provided

Training on good governance with Provided solution and advice on various
7 Batches 146 issues
citizen watch groups. violence through legal action committee.
Training on human rights and laws with
Training on ADR with VDC members. 639 members 187 VDCs
VDC, UP members and civil society.
Training on good governance with UP
6 UPs Record keeping of birth registration 227
members.
Advocacy session on ADR with VG
188 Villages Record keeping of death registration 96
members and others.
Training on human development &
177 Groups Record keeping of marriage registration 169
leadership for VG members
Conduct shalish on various family Record keeping of marriage without
68 Shalishs 3
matters and natural resources by VDC. dowry

Occupational skills development training and employment assistance
Over the reporting period 2006-'07, BEES was increasing opportunities of life skill development on a great scale
through Social Assistance Program (SAP) to move development for all forward. In this Program, capacity building
comprising employment assistance through livelihood development training for vulnerable people was the cornerstone
of attaining sustainable development. Upholding the vision properly, the project was designed incorporating some
demand driven skill development activities implemented by BEES successfully at field level over the reporting year.
Skill Development Activities Initiated

Name of Activity Number
Arrange meeting with business groups 187 Business groups
Disburse seed money 3097 Graduate Trainees
Follow up the business activities of the business group members 187 Villages
Mechanism for landing and recovering of fund management system 01
Identify need assessment for different IGAs through FGD 73 villages
Institution Building
Institution building is one of the core components in development program contributing to narrowing the gap
between aspiration and action in materializing collective social empowerment. Village based sustainable
institution building is the highest priority component of Social Assistance Program. During the reporting period
2006-'07, BEES was working wholeheartedly to establish institution in every village of the project area.
Initiated Sustainable Institution Building Activities

Formation of Jibikayan Groups (JGs) 2,771 Training on COM in project villages 17
Updating and validation the list of
Facilitate savings culture in the groups 262
HCP & poor in the villages.
Formation of Sanchay Sangrakkhan
Assist to maintain books of accounts 2,682 JGs 262
Committee (SSC)
Development of goal & objective for Gram
1 Open Bank account for SSC 101
Samity
Formation of Village Credit
Formation of Gram Samity (GS) 59GSs 41
Organization (VCO)
Formation of Jibikayan Group consisting of
137 Meeting with Gram Parished 23
youth
Gram Parished constituted Gram Samity Formation of Sanchay Management
59 67
with 70% of HCP & Poor HH Committee
Opening Bank Account for SMC 3
Capacity Building
For setting out a broad framework for collective prosperity through capacity building of the target people, the
project made potential effort to develop sustainable institution in each village. Through this project, BEES
provided different types of training, advocacy, logistic support, provided human support, helped to get practical
experience etc. for building the capacity of the community people in sustainable manner in the reporting period.
Playing necessary role in human resource development, thus it was caring for collective development.
Capacity Building Oriented Activities Implemented

Name of Activity Number
Prepare module on Human Development & Leadership training 1
Prepare module on Fund Management & Book keeping. 1
Formation of Social Audit Committee (SAC) 21
Identify need assessment for different IGAs 1

To make access effectively to success for
7.0 SUPPORT existing programs, BEES is conducting

different supporting and promotional
activities like training, BCC, advocacy,
PROGRAM
networking, research, monitoring & evaluation
and so on. These supporting activities help to
review the quality of programmatic inputs to
preview the desired output.
S i m u l t a n e o u s l y,
necessary guidance, skill transfer and prosperity mobilization are
being ensured to take programs and projects
forward. With a view to matching
the key initiatives with
plans for catching up
with desired goals, all
the supporting
programs are designed
and being executed in
response to the demand
derived from the field-
based interventions.
7.1 Training
Training is essential to
transfer necessary
qualities through
stimulating capability. To
build the capacity of the
staff and the
beneficiaries, training
should be integrated
within the program
activities compulsorily. It
has a great role to improve the
management efficiency and creativity of the development practitioners both within and outside of the
organization. It helps increase the human and operational skill of the group members and program participants
as well. So internalizing the importance, BEES has been organizing training activities as an integral part of all its
programs to develop and widen the know-how, skill and capacity of the staff as well as the target groups.
BEES generally provides two types of training which are Human Resources Development (HRD) training and
Occupational Skills Development (OSD) training. BEES tries to develop and enhance the knowledge & attitude of
its group members & practitioners through HRD trainings and OSD trainings. BEES disseminates information and
develops occupational skills on employment and income generating activities. The training courses are planned,
designed and arranged with due importance based on the needs of its staff as well as its group members. Keeping
in mind the need assessment, BEES develops and formulates training modules, curriculum and other training
materials and tools to conduct different types of training courses. During the training sessions, knowledge and
skills are transferred to trainees for enhancing the potentiality.
7.1.1 Achievement
During the reporting period, a total of 32,809 target beneficiaries received training against the annual target of
33,500 which shows more than 97% achievement. Among the beneficiaries, almost 88% were female and 12%
were male. A total of 925 training courses were organized on different topics like tissue cultured banana
production, business development services, semi scavenging poultry production, human & leadership
development, skill development for social assembly, community operational manual, HIV/AIDS prevention,
livestock and poultry rearing, vegetables production, seed production processing and storage, poultry
management, small scale trade, tailoring, beef fattening, alternative dispute resolution, good governance, human
rights & laws, etc for the target beneficiaries. The courses were conducted by BEES' resource persons and also by
trainers from different training institutes and government departments. Besides, a total of 1,689 staffs of different

programs and projects of BEES received
different trainings on various issues against
the target of 1,800 which shows almost 94%
achievement. Among the staff of received
training 75% was male and 25% was
female.
Under Micro-finance Program, a number of

403 Field Organizers (FOs), 31 Unit
Managers (UMs) and 10 Area Managers
(AMs) received the foundation training on
credit and savings management. The
average duration of the course was about
five days. On the other hand, 38 Unit
Managers (UMs), 7 Area Managers (AMs)
and 126 Field Organizers (FOs) received
refresher's training on savings & credit
management, skill development, problem
solving and overdue reducing techniques
and effective communication skills. Besides,
81 Unit Managers (UMs) and 21 Area Managers (AMs) were participated the workshops on chart of accounts
organized by BEES. Apart from these, 9 Unit Managers and 25 Field Organizers received training on financial
management of microfinance program and 2 Technical Officers received training on livestock production
organized by PKSF.
Under the Education Program, 62

Facilitators received basic training on post
literacy implementation and 4 Supervisors
received master training on post literacy &
continuing education and 31 Facilitators got
refresher training on continuing education
implementation. Apart from these, 900
beneficiaries received training on selected
different trades under continuing education
during the reporting session. Under the
activities of NNP and Seba package, 219
CNPs and CNOs received orientation
training on BBF for 21 days and 1207 CNPs,
132 CNOs & 27 field supervisors got
refresher training on health & nutrition
service activities and program need
assessment. Besides these, 17 Area
Managers and 18 Paramedics received
orientation training on community health &
nutrition services during the reporting year.
Under the Social Assistance Program (SAP-II) 3 Core Staff, 12 Program Supervisors (PS), 62 Social Mobilizers
(SM), 2 Upazila Managers (UM) received training on gender and development, community operational manual
and revised activities of SAP. Under SAP-III, 5 core staff, 5 PS and 26 SM got orientation training on social
investment program project activities, 5 PS received training on community operational manual, 26 SM and 5 PS
received training on skill development for social assembly. Under Agriculture and Social Forestry program, one
officer and 60 beneficiaries received training on tissue cultured banana production and business development
services, 90 beneficiaries received training on semi scavenging poultry production.
Besides, during the reporting year two senior officers of BEES got 5 days training on Disaster Response organized
by UN.

7. 2 Information
and Development
Communication
Every digit of communication engraves
development. Development
Communication plays a powerful role to
get the people involved in the course of
poverty alleviation. Making them aware
of the development process with easy-
understanding messages and effective
materials, it stimulates them to change
their knowledge, attitude and practice
copping with time, need and demand.
Documentation and dissemination are
compressively intertwined with this
promotional activity giving a different
dimension in moving core programs
forward. Most importantly, development
communication associated with
advocacy, networking and social
mobilization always keeps the engine of
development active. Considering the
importance related to development
communication, BEES established
Information & Development
Communication cell with a view to
conducting different promotional
activities for social pragmatic change.
Information and Development

Communication (IDC) Cell has been
working dynamically with the object of
ensuring social mobilization, lobbying,
networking and utilization of multi
channel media through behavioral change
communication (BCC) and advocacy to
promote and build necessary infrastructure
since its inception. IDC Cell utilizes the
optimum efforts to transfer ideas,
messages, skills, information to the target
beneficiaries and to change their
knowledge, attitudes and practices by way
of fruitful documentation and
dissemination activities.
IDC cell prepares operational guidelines/manuals; publishes annual report, organizational brochure, month
planner; publishes quarterly newsletter 'Mathcitra'; purchases & collects magazines, reports, development related
books, promotional materials; prepares script and organizes popular theatre/street theatre; conducts case studies;
develops photo-bank; collaborates with mass-media; continues inter-agency collaboration; prepares
communication materials and other necessary printing materials etc. IDC cell also maintains BEES website to
ensure proper understanding of BEES and its activities to both internal and external audiences.
7.2.1 Achievement
IDC Cell published Annual Report 2005-06 focusing the target versus achievement on the activities of different
projects/ programs of the organization implemented during the respective year. The report included a financial
statement covering the reporting period as well.
As an advocacy and BCC material, the Cell published Desk Calendar 2007 containing month planner, exclusive
messages and photos highlighting its projects and programs. The calendars were distributed to national,
international agencies, UN bodies and other GO/NGO stakeholders. IDC Cell published Wall Calendar 2007

containing exclusive photos and highlighting the program/project activities. Besides, exclusive New Year Greetings
Card, 1000 copies of Note Book, an introductory book-let on BEES-MF programs entitled Towards a New Hope, a
collection of success stories entitled Kulsums and Karims were published by IDC cell during the reporting year.
During the reporting period, IDC cell maintained intensive network through building consortium with a view to
establishing promising partnership with the different development organizations that development programs
might be initiated more effectively and comprehensively through collective and inclusive effort.
In addition to this, under inter-agency collaboration activities, the cell's personnel participated in different
Networking with Different Development Organizations
Sl. Type of
Name of Partner Organizations Area of Relationship
No. Relationship
Grassroots Health and Rural Organization for Education
01. Associate Partner
Nutrition Initiative (GHARONI) Water & Sanitation
HIV/AIDS Prevention
02. Rural Health and Development Society (RHDS) Associate Partner
Water & Sanitation
HIV/AIDS Prevention
03. Al-Falah Bangladesh Associate Partner
Water & Sanitation
Bangladesh Rural Advancement through Voluntary
04. HIV/AIDS Prevention Associate Partner
Enterprise-BRAVE
05. Uttara Development Program Society (UDPS) HIV/AIDS Prevention Associate Partner
HIV/AIDS Prevention
06. Shariatpur Development Society (SDS) Associate Partner
Education
07. Prottyashi HIV/AIDS Prevention Associate Partner
08. Faith and Hope Welfare Association (FHWA) HIV/AIDS Prevention Linkage
Development of Health & Agriculture
09. HIV/AIDS Prevention Linkage
Rehabilitation Advancement (DHARA)
10. SHETU-Bangladesh HIV/AIDS Prevention Linkage
11. People’s Development Foundation (PDF) HIV/AIDS Prevention Linkage
12. Initiative for People’s Development (IPD) HIV/AIDS Prevention Associate Partner
13. Rainbow Nari O Shishu Kallyan Foundation HIV/AIDS Prevention Linkage
14. Save The Underprivileged And The Needy (SUN) HIV/AIDS Prevention Linkage
Nahar Health Service and Social Welfare
15. HIV/AIDS Prevention Associate Partner
Association-NAHAR
HIV/AIDS Prevention
16. Jatiya Manob Kalyan Mission (JMKM) Associate Partner
Education
17. Integrated Development Organization (IDO) HIV/AIDS Prevention Linkage
18. PAS (Poverty Alleviation Sangstha) Education Linkage
19. Ashar Alo Sangstha (AAS) Child & Maternal Care Linkage
20. Chinishpur Dipshikha Mohila Samity (CDMS) Education Associate Partner
21. Deshasree Unnayan Sangstha Education Associate Partner
22. Manab Kallayan Sangstha (MAKS) Education Associate Partner
23. Sachatan Shahajjo Sangstha (SSS) Education Associate Partner
24. Narail Ashar Alo Foundation Maternal & Child Care Linkage
25. We Are Friends For Human (WAFFH) Maternal & Child Care Linkage
MAC Bangladesh (Manifold Assistance Center For
26. Maternal & Child Care Linkage
Bangladesh)
27. SUPOTH Maternal & Child Care Linkage
28. Srizony Bangladesh Maternal & Child Care Linkage
29. Shakaler Jannya Kallyan (SJK) Water & Sanitation Associate Partner
30. Development Design Consultants Ltd. (DDC) Water & Sanitation Associate Partner

national and international meetings, seminars, and workshops arranged by the government, non-government and
UN agencies during the reporting period with a view to strengthening the relationship for alliance with them.
7.3 Research, Evaluation and Monitoring

Research, evaluation & monitoring are the greatly essential activities in development program to achieve desired
goal and objectives set by well-defined plan. Assembling all the findings derived from these supporting activities,
the core program possesses far-sighted lens to be guided, corrected and well-coordinated. BEES is very much
aware of the importance of these supporting activities that it may be on the right track in implementing programs.
The Research, Evaluation and Monitoring (REM) cell of BEES was established in 1997 to provide research support
to BEES management and policy makers as well as other stakeholders conducting multidisciplinary studies on
various developmental issues and subjects of national and global importance. These include poverty alleviation,
socio-economic development, agriculture, nutrition, health, population, education, women empowerment,
employment and income generating activities, training, institution building and organizational development,
environment, gender and related fields.
REM cell conducts research, surveys, monitoring, impact assessment, evaluation and case studies on various aspects
of the rural and urban development programs. This cell also prepares the organizational annual progress report. REM
Cell emphasizes the importance of effective sharing research findings with its different stakeholders such as BEES
management, donors, field staff and also policy-makers as they can contribute more towards achieving the goal.
Research findings are disseminated through different reports such as annual report, inception report, impact
assessment report, case studies, different survey reports, evaluation report, monitoring report etc. The research
findings are also disseminated presentations in national and international conferences, seminars, and workshops.
7.3.1 Achievement
During the reporting period REM cell performed the different activities in accordance with its work plan. REM cell
conducted a study to assess the impact of the FSP project which is being implemented by BEES in Madabpur
upazila of Hobigonj district since July'2002 with the financial assistance of PKSF. The objective of the project was
to upgrade the living standard of the target beneficiaries through ensuring micro-credit and technical support to
operate their specific IGAs. The study reveals that the overall impact of the project after four years of
implementation is quite satisfactory. Most of the beneficiaries have utilized their loans in planned business to
improve their financial status. Significant changes regarding socio-economic aspects like facility of children's
education, sanitation, health awareness, sleeping place, land purchase, poultry & livestock rearing, houses
construction & repairing etc. have been found in case of those beneficiaries who have utilized their loan in proper
IGAs. They have been able to improve their living standard and upgrade their status in their respective families as
well as in the society by earning increased amount. Among them, about 6% beneficiaries created employments in
their IGAs. A noticeable impact was also been observed in case of decision taking by the beneficiaries. Women
empowerment feelings are growing among the beneficiaries.
The FSP study report has been circulated via internet for getting access of different level of stakeholders including
the researchers at home and abroad.
The cell prepared the Annual Report 2005-2006 to exhibit the annual progress of the organization. To prepare the
report, the qualitative and quantitative data were analyzed with the pre-set target of respective projects/programs.
Different constraints, successes were brought up in the report which was observed during the implementation of
the on going projects/programs.
REM cell conducted an evaluation on Community Based Health Project to expose the health and family planning
status of the target people after a long time implementation of the program. The overall objective of the program
was to impart improved services regarding reproductive health, family planning, child health and general health
to the community people. The findings and recommendation of the study were shared with the BEES
management, field staff and policy maker through planning meeting and annual general meeting of the
organization during the year.

7.4 Gender and Rights
Having women empower themselves is necessary for halving poverty effectively. So we should put sincere efforts
in gender development if we want to root out poverty in true sense. Change in the lives of marginalized people
happens when people are able to assert their rights and make creative interventions against unjust and unequal
power relationship in the society. BEES has its vision towards promoting a just society in which both women and
men can work together to form institution to attain a greater degree of self-reliance in managing their own lives,
resources and achieve a higher and sustainable standard of living. In its 32 years of journey it has now achieved
a widespread tendency to outplay gender and development together.
Understanding and implementing gender and rights approach has become crucial in BEES. BEES recognized that
this approach is instrumental to attack the root causes of poverty because poverty is a violation of rights and
unequal power relations limits the sensible growth of development of the society.
BEES has its own gender policy and gender sensitized service manual. Gender awareness and women's rights
activities under BEES are initiated with the objective to increase social awareness on gender related issues and to
extend the social, financial and legal support to its group members to establish women's rights. Women group
members of BEES are now more aware of their rights concerning early marriage, dowry, mohorana, marriage
registration, divorce, inheritance, ownership of property, family planning and reproductive health and financial
solvency. Besides, it also organizes different supporting programs on a regular basis on gender awareness and
sensitization through internal training, orientation, workshop and advocacy programs. Still, there are so many
crucial areas that needed to be addressed to establish women's rights and gender equality.

7.4.1 Achievement
During the reporting period, Gender & Rights cell reviewed existing gender policy and prepared a modified draft
gender policy. The cell provided two training courses on conceptual clarity on gender for all staff of SAP project
and Microfinance program of Gaibandha district. This is a regular activity of this cell. Main objective was to share
the basic concept on gender relation and its implication.
A training module on gender and development is developed. The module has been designed for the mid level staff
of the organization.
A 3 day workshop on 'Gender Analysis and Planning' is organized on 1st to 3rd July 2007 for its senior level staff.
The purpose is to achieve conceptual clarity on the issue and to develop capacity to encompass gender approach
in the policy formulation and program planning.
The cell facilitated different session on Gender sensitivity for the newly recruited staff generally for Field
Organizers and Unit Managers as a regular activity. It prepared workshop report on "Gender Awareness and
Planning". Communicated and collected different National/International policies, reference books, posters,
magazines etc. on gender and rights issue. For combating family violence against women and girls the cell
developed a concept note on peer group activity to run an advocacy program.
BEES REPORT 06-07

8.0 Resource
Mobilization
8.1 Human Resource
Organizational sustenance is wreathed in
organizational development through a
multidimensional organized process. It is
significantly true that human resource
development is the keynote of allover
development of a program as well as
institution. In this aspect, training plays
a pivotal role. There is no alternative of
human resource development in
addressing social issues properly and
reaching expected result. Coping
with need paying heed to human
resource development, BEES
constantly provides training to its
staff and beneficiaries so that they
are well-groomed to perform
well. Simultaneously, BEES
follows a forward-looking staff
management policy to face the
ensuing challenges in the
development arena all the
time. It recruits skilled and
potential staff. Keeping
pace with time and
requirement, they are
provided with necessary orientation and skill development
facilities for enhancing their capacity. During the reporting period it had 2453 staff working in several
project/program, 41,506 beneficiaries got IGA and other training and 121,511 beneficiaries got financial support
for sustainable livelihood development. It is mentionable that BEES always encourage women to incorporate main
esteem of development and at the same time organization is offering especial contribution for encouraging them.
Up to June 2007 the organization integrated women 66% staffs level and ------% group level.
8.2 Financial Resource

In order to attain organizational sustainability, BEES is going ahead capitalizing on well-defined plan and
confidence. In the mean time, BEES has been successful to keep financial dependence on the donors in bay. Service
charges collected from revolving loan fund are supporting BEES to get self-sufficient. Putting profound emphasis
on women employment generation both in rural and urban areas under its programs, BEES is making them
economically active. Curbing overhead cost and making programs and activities more cost effective,
decentralization and delegation of works among staff members plays an important role to a greater extend in this
aspect as well.

The Managing Director
Palli Karma - Sahayak Foundation (PKSF)
Agargaon Administrative Area
Sher-e-Bangla Nagar
Dhaka-1217.
Dear Sir:
AUDIT OF FINANCIAL STATEMENTS OF PKSF AND NON-PKSF FUNDED MICRO CREDIT PROGRAM
OF PKSF'S PARTNER ORGANIZATION- BANGLADESH EXTENSION EDUCATION SERVICES (BEES)
FOR THE YEAR ENDED JUNE 30, 2007.
We have audited the accompanying Balance Sheet of PKSF's partner organization, Bangladesh Extension
Education Services (BEES), pertaining to PKSF funded program, for the year ended June 30, 2007 and related
Income Statement, Receipts and Payments Statement and the Cash Flow Statement for the year then ended. The
preparation of the financial statements are the responsibility of Bangladesh Extension Education Services (BEES).
Our responsibility is to express an independent opinion based on our audit.
We conducted our audit in accordance with Bangladesh Standards on Auditing (BSA), which are consistent in all
material respects with Bangladesh Accounting Standards and international accounting standard/ international
financial reporting standards IAS/IFRSs as adopted in Bangladesh. Those standards require that we plan and
perform the audit to obtain reasonable assurance about whether the financial statements are free of material
misstatement. An audit includes examining on a test basis, evidence supporting the amounts and disclosures in
the financial statements. We believe that our audit provides a reasonable basis to form our opinion.
In our opinion, the Financial Statements, prepared in accordance with Bangladesh Accounting Standards (BAS),
give a true and fair view of the state of the Bangladesh Extension Education Services (BEES) affairs as of June 30,
2007 and of the results of its operations and its cash flows for the year then ended and comply with all applicable
laws and regulations including PKSF guidelines.
We also report that :
a) We have obtained all the information and explanations which to the best of our knowledge and belief
were necessary for the purpose of our audit and made due verification thereof.
b) PKSF guidelines ad provisions of applicable laws have been followed by Bangladesh Extension Education
Services (BEES), so far as it appeared from our examination of those books.
c) In our opinion, the Balance Sheet, the Income Statement, Cash Flow Statement and Receipts and
payments Statement dealt with by the report are in agreement with books of accounts.
Date : January 29, 2007 M A Quader Kabir FCA

partner

BANGLADESH EXTENSION EDUCATION SERVICES (BEES)
PKSF AND NON PKSF FUNDED MICRO CREDIT PROGRAM
BALANCE SHEET
AS AT JUNE 30, 2007
PARTICULARS NOTES 30-June-07 30-June-06
PROPERTY AND ASSETS:
A. Fixed Assets: 6.00 10,878,829 169,906 11,048,735 2,985,742 5,746,443 8,732,185
Fixed Assets at Cost 13,646,214 190,682 13,836,896 3,793,472 6,819,502 10,612,974
Less: Acc. Depreciation 2,767,385 20,776 2,788,161 807,730 1,073,059 1,880,789
B. Investments: 7.00 29,209,155 11,705 29,220,860 20,707,388 34,124 20,741,512
Savings FDR 7.01 17,364,708 - 17,364,708 15,386,000 - 15,386,000
LLP FDR 7.02 9,200,000 - 9,200,000 3,000,000 - 3,000,000
DMF FDR 7.03 750,000 - 750,000 - - -
Depreciation FDR 7.04 800,000 - 800,000 - - -
LLPI 7.05 567,040 11,705 578,745 1,680,940 10,144 1,691,084
DMFI 7.06 492,402 - 492,402 640,448 23,980 664,428
DRFI 7.07 35,005 - 35,005 - - -
C. Loan to Beneficiaries 8.00 500,194,226 19,594,327 519,788,553 257,898,553 102,840,848 360,739,401
D. Current Assets: 66,247,378 231,473 66,478,851 36,318,699 37,308,748, 73,627,447
Accounts Receivable 9.00 60,900,563 - 60,900,563 32,361,227 35,444,830 67,806,057
Advance & Prepayments 10.00 1,141,758 49,500 1,191,258 184,678 1,267,878 1,452,556
Loan to Staff 11.00 2,156,630 181,973 2,338,603 1,571,167 596,040 2,167,207
Interest receivable on FDR 12.00 2,048,427 - 2,048,427 2,201,627 - 2,201,627
Cash and Bank Balances 13.00 16,449,336 2,400,903 18,850,239 20,884,588 8,373,307 29,257,895
Cash in hand 13.01 1,313,559 132,230 1,445,789 1,185,591 207,121 1,392,712
Cash at Bank 13.02 15,135,777 2,268,673 17,404,450 18,298,997 8,166,186 26,465,183
Cash in transit 1,400,000 - 1,400,000
Total Assets & Properties 622,978,924 22,408,314 645,387,238 338,794,970 154,303,470 493,098,440
FINANCED BY :
A. Capital And Reserves: 71,834,822 1,790,724 73,625,546 51,399,613 23,614,852 75,014,465
Fund Account 14.00 71,834,822 1,790,724 73,625,546 51,399,613 23,614,852 75,014,465
B. Long term Liabilities:
Loan from PKSF 15.00 140,961,093 - 140,961,093 147,732,300 - 147,732,300
Loan from SAIP - 4,286,600 4,286,600 - 4,286,600 4,286,600
C. Current Liabilities: 410,183,009 16,330,990 426,513,999 139,663,057 126,402,018 266,065,075
Members Saving Deposits 16.00 155,740,697 6,861,284 162,601,981 78,900,354 29,401,625 108,301,979
Loan from PKSF 15.00 134,983,714 - 134,983,714 43,390,000 - 43,390,000
Special Saving Deposits 17.00 14,156,259 213,026 14,369,285 9,120,235 3,291,104 12,411,339
Accounts Payable 18.00 65,649,369 8,871,972 74,521,341 897,046 76,019,513 76,916,559
Provident Fund 19.00 16,466,282 - 16,466,282 - 15,109,679 15,109,679
Gratuity Fund 20.00 2,204,210 182,844 2,387,054 - 337,050 337,050
Security Deposit 21.00 2,843,937 154,871 2,998,808 915,015 1,074,370 1,989,385
Security Deposit 2002 22.00 1,775,468 45,432 1,820,900 777,909 534,807 1,312,716
Loan Loss provision Fund 23.00 14,709,389 1,561 14,710,950 4,926,254 603,428 5,529,682
Desaster Management Fund 24.00 1,601,295 - 1,601,295 736,244 30,442 766,686
DRF 52,389 - 52,389 - - -
Total Fund & Liability 622,978,924 22,408,314 645,387,238 338,794,970 154,303,470 493,098,440
Annexed notes from 1.00 to 24.00 form an integral part of the financial statements.
Executive Director Cheif Finance Officer

Signed in terms of our separate report of even date annexed.
Date : January 29, 2008 M A Quader Kabir FCA

Partner

PKSF AND NON PKSF FUNDED MICRO CREDIT PROGRAM
INCOME STATEMENT
For the year ended June 30, 2007
PARTICULARS NOTES FY- 2006-2007 FY- 2005-2006
PKSF Non-PKSF Total PKSF Non-PKSF Total
Income:
MCP Loan Service Charges received : 86,390,315 3,557,442 89,947,757 34,434,947 14,876,065 49,311,012
Grant from PKSF 12,713,727 - 12,713,727 2,080,172 - 2,080,172
Bank Interest 133,729 70,016 203,745 14,787 57,384 72,171
Sales of Form & Pass book 1,227,115 70,580 1,297,695 687,050 332,923 1,019,973
Admission Fee 705,230 600 705,830 419,790 183,030 602,820
FDR Interest 1,825,508 1,825,508 844,909 - 844,909
LLPI Interest 31,869 31,869 54,066 - 54,066
DMFI interest 26,316 26,316 17,518 - 17,518
Members' Contribution 85,631 85,631 55,048 - 55,048
BEES Contribution 1,100,000 1,100,000 217,372 - 217,372
Motor Cycle interest 29,196 444 29,640 2,156 684 2,840
Service Charge from branches - 3,830,476 5,029,772 8,860,248
Others income 1,926,117 60,536 1,986,653 543,869 1,693,578 2,237,447
Total : 106,194,753 3,759,618 109,954,371 43,202,160 22,173,436 65,375,596
EXPENDITURE:
Service Charge Paid to PKSF 13,081,512 - 13,081,512 3,313,354 - 3,313,354
Service Charge Paid to Non-PKSF - 662,638 662,638 - 817,443 817,443
Salary 41,882,184 2,115,639 43,997,823 18,366,037 10,299,096 28,665,133
Printing & Stationery 4,134,213 143,570 4,277,783 1,493,950 1,506,806 3,000,756
Office Rent 3,769,381 147,800 3,917,181 2,005,300 1,281,315 3,286,615
Training 11,962,846 7,012 11,969,858 883,255 101,601 984,856
Travelling Allowance 3,097,074 176,377 3,273,451 1,103,988 926,262 2,030,250
Telephone Bill 544,939 19,146 564,085 297,193 235,682 532,875
Fuel 1,096,265 22,853 1,119,118 546,394 626,479 1,172,873
Electricity Bill 624,582 28,881 653,463 398,724 174,756 573,480
Entertainment 386,151 27,219 413,370 154,552 217,690 372,242
Interest on Savings 6,860,838 295,665 7,156,503 3,484,930 1,339,012 4,823,942
Bank Charge & Commission 933,917 19,270 953,187 378,367 122,736 501,103
Insurance Premium 202,312 - 202,312 - 241,027 241,027
Interest on Individual Loan 187,600 - 187,600 - 497,252 497,252
Income Tax 161,000 - 161,000 - - -
PF. Contribution 1,761,458 77,745 1,839,203 - 487,207 487,207
Gratuity Contribution 2,882,650 121,252 3,003,902 - 856,066 856,066
Audit Fee 100,000 - 100,000 - 70,000 70,000
Interest on PF 1,324,873 - 1,324,873 - 1,215,721 1,215,721
Interest on Gratuity 163,275 - 163,275 - 9,692 9,692
LLPE 5,007,759 154,780 5,162,539 2,349,634 116,222 2,465,856
DMFE 777,995 - 777,995 343,357 26,078 369,435
DRFE 44,672 - 44,672 - - -
Depreciation 874,057 18,879 892,936 431,780 110,404 542,184

M A Quader Kabir & co.
Chartered Accounts
PARTICULARS NOTES FY- 2006-2007 FY- 2005-2006
PKSF Non-PKSF Total PKSF Non-PKSF Total
Miscellaneous Expenditure 2,194,545 120,089 2,314,634 6,583,979 890,921 7,474,900
Contributi9on to FSP - - - - 123,800 123,800
Bad Debts - - - - 590,484 590,484
Consultancy Fees - - - - 156,000 156,000
Sub Total 104,056,098 4,158,815 108,214,913 42,134,794 23,039,752 65,174,546
Excess/(Deficit) of Income
2,138,655 (399,197) 1,739,458 1,067,366 (866,316) 201,050
Over Expenditure
Total : 106,194,753 3,759,618 109,954,371 43,202,160 22,173,436 65,375,596
Annexed notes from 1.00 to 24.00 form an integral part of the financial statements.
Executive Director Chef Finance Officer
Signed in terms of our separate report of even date annexed.
Date January 29. 2008 M A Quader Kabir FCA

Partner

• House # 25, Road # 13/A, Telephone : (88-02) 9894026, 9894346
S F AHMED & CO. Block # D, Banani, 8815102, 8833327
CHARTERED ACCOUNTANTS Dhaka-1213 Fax : (88-02) 8825135, 8814713
…….Since 1958 Bangladesh E-mail : sfali@connectbd.com
sfacoali@bttb.net.bd
sfaco@dhaka.net
Auditors' Report
We have audited the accompanying Balance Sheet of General Fund of Bangladesh Extension Education Services
(BEES) as at 30 June, 2007 and the related Income and Expenditure Statement and Receipts and Payments
Statement for the year then ended. The preparation of these financial statements is the responsibility of the BEES's
management. Our responsibility is to express an independent opinion on these financial statements based on our
audit.
We conducted our audit in accordance with Bangladesh Standards on Auditing (BSA). Those Standards require
that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are
free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and
disclosures in the financial statements. An audit also includes assessing the accounting principles used and
significant estimates made by management, as well as evaluating the overall financial statement presentation. We
believe that our audit provides a reasonable basis our opinion.
In our opinion, the financial statements prepared in accordance with Bangladesh Accounting Standards (BAS),
give a true and fair view of the state of the affairs of the General Fund of BEES as at 30 June 2007 and of the
results of its operations for the year then ended.
We also report that :
a) we have obtained all the information and explanations which to the best of our
knowledge and belief were necessary for the purpose of our audit and made due verification thereof.
b) in our opinion, proper books of account have been kept by BEES so far as it
appeared from our examination of those books; and
c) the financial statements dealt with by the report are in agreement with the books of
account.
Dated, Dhaka S. F. Ahmed & Co.

08 January 2008 Chartered Accountants

General Fund
Balance Sheet
As at 30 June 2007
Notes Amount in Taka
Sources of Fund 2006-2007 2005-2006
General fund 2 (21,669,303) (36,530,220)

Vehicle fund 3 1,612,900 1,612,900
Borrowing from vehicle fund 1,022,337 1,022,337
Current liabilities:
For Others 4 10,146,442 11,306,207
For expenses 5 110,000 101,440
Payable to Revolving Loan Fund ( RLF) 6 16,706,485 26,263,999
26,962,927 37,671,646
Total 7,928,861 3,776,663
Application of Fund
Fixed assets (at cost less accumulated depreciation) 7 1,139,054 1,242,347
Current asset:
Advances 8 60,012 60,012
Loan to Post Literacy and Continuing Education
Program for Human Development (PLCEHD)-1 9 - 100,000
Receivables 10 6,000 6,000
Loan to various project 11 5,696,113 1,371,120
5,762,125 1,537,132
Cash and bank balances :
Cash at bank 12 1,027,682 997,184
Total: 7,928,861 3,776,663
The annexed notes form an integral part of these financial statements.
_______________ ________________
Executive Director Controller of
Finance & Accounts
Signed in terms of our report of even date annexed

08 January 2008 Chartered Accounts

General Fund
Income and Expenditure Statement
For the year ended 30 June, 2007
Amount in Taka
Particulars Notes
2006-2007 2005-2006
A. Income
Management cost 4,491,936 5,349,276
Surplus of Various projects 13 10,790,131 5,959,989
Profit on sale of Motor Cycle 70,781 -
Miscellaneous income 14 41,456 93,803
Total: 15,394,304 11,403,068
B. Expenditure
Salaries and benefits 15 32,960 642,993
Travelling, conveyance and allowances 16 10,527 4,383
Office supplies 17 13,926 6,539
Utilities 18 630 -
Postage, telegram and fax 3,862 -
Telephone and cell phone expenses 19 3,580 3,300
Repairs and maintenance 20 15,851 -
Bank charges 7,455 13,720
Audit fees 60,000 50,000
Miscellaneous expenses 4,860 6,372
Vehicle maintenance 21 42,300 6,758
Loss on discard of fixed asset - 1,514
Contribution to various projects 22 - 403,412
Contribution to Poultry for Nutrition (PFN) - 318,388
Contribution to Household Food Security through
Nutrition Gardening (HFSNG)
Depreciation 163,382 182,083
Membership fees 20,000 11,000
Bad debts - 68,452
Contribution to Winrock 22,472 -
Contribution to National Nutrition Program (NNP) 130,142 -
Interest on loan (RLF) - 3,940,350
Gratuity contribution - 35,798
P.F. Contribution 1,440 20,340
Total: 533,387 6,105,585
Excess/(Shortage) of income over expenditure: (A-B) 14,860,917 5,297,483

Finance & Accounts


General Fund
Receipts and Payments Statement
For the year ended 30 June, 2007
Particulars Notes Amount in Taka

2006-2007 2005-2006
Receipts
Opening balance:
Cash in hand - 31,535
Cash at bank 997,184 456,285
Advance salary realised - 24,795
Revolving loan fund (RLF) - 1,146,489
Received from various projects 23 82,248,552 35,300,534
Insurance claim (Alico) - 270,000
PLCEHD-1 project 100,000 -
Provident fund 797,000 -
Staff security 829,361 -
Gratuity 1,600,000 1,700,000
Sale of Motor cycle 17,100 -
Revenue income:
Management cost 4,491,936 5,349,276
Surplus of various projects 10,790,131 5,900,624
Miscellaneous 41,456 93,803
Total: 101,912,720 50,273,341
Payments
Loan refund to:

Revolving Loan Fund (RLF) 9,159,061 10,383,433
Loan to: - -
Social Assessment Program (SAP) 14,586,948 6,477,940
Palli Karma Sahayak Foundation (PKSF) 11,041 1,034,037
Poultry for Nutrition (PFN) - 438,388
PLCEHD-1 Project - 100,000
National Nutrition Program (NNP) 72,083,884 28,443,674
Payment of liabilities:
For others/.employees deposit 335,305 -
Insurance claim (Alico) 270,000 120,000
Provident fund advance 1,440 -
Audit fees 50,000 50,000
Project Account 235,125 -
Provident fund 639,861 63,598
Gratuity 3,140,960 -

Particulars Notes Amount in Taka
2006-2007 2005-2006
Advances :
Salary - 4,000
Capital expenditure:
Equipment 61,408 -
Revenue expenditure :
Salaries and benefits 32,960 637,553
Travelling, conveyance and allowances 10,527 4,383
Office supplies 13,926 6,539
Utilities 630 -
Postage, telegram and fax 3,862 -
Interest on loan - 1,025,141
Telephone and cell phone expenses 3,580 3,300
Repairs and maintenance 15,851 -
Bank charges 7,455 13,720
Miscellaneous expenses 4,860 6,372
Vehicle maintenance 42,300 6,758
Gratuity contribution - 35,798
PF contribution 1,440 20,340
Membership fees 20,000 11,000
Contribution to Winrock Int. 22,472 -
Contribution to NNP 130,142 -
Contribution to HFSNG - 390,183
Closing balance:
Cash at bank 1,027,682 997,184
Total: 101,912,720 50,273,341

Finance & Accounts


Habib Sarwar & Co. DHAKA OFFICE:
Chartered Accountants EASTERN COMMERCIAL COMPLEX
73 KAKRAIL, CHAMBER # 704
DHAKA-1000
PHONE :9335974, FAX :9347421
MOBILE :0171535332
AUDITOR'S REPORT
The Executive Director & Line Director
Government of the People's Republic of Bangladesh
Ministry of Health & Family Welfare
National Nutrition Programme (NNP)
House No-46, Road No-5, Dhanmondi
Dhaka-1205.
We have audit the accompanying Balance Sheet of "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" as at March 31, 2007 and
related Income & Expenditure Statement, Receipts & Payments Account and notes and schedules there to for the
period from September 01, 2006 to March 31, 2007. The preparations of these financial statements are the
responsibility of BEES's management. Our responsibility is to express an independent opinion on this financial
statement based on our audit.
We conducted our audit in accordance with Bangladesh Standard on Auditing (BSA), which are consistent in all
material respects with Bangladesh Accounting Standards and International Accounting Standard/International
Financial Reporting Standards IAS/IFRS as adopted in Bangladesh. Those standards require that we plan and
misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in
the financial statements. An audit also includes assessing the accounting principles used and significant
estimates made by management, as well as evaluating the overall financial statement presentation. We believe
that our audit provides a reasonable basis for our opinion.
give a true and fair view of the state of the "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" affairs as of June 30,
2007 and of the results of its operations and complies with all applicable laws and regulations.
We also report that:
a) We have obtained all the infromation and explanations which to the best of our knowledge and belief
were necessary for the purpose of our audit and made due verification thereof.
b) NNP guidelines have been followed by BEES, so far as it appeared from our examination of those books
and records.
c) In our opinion, the Balance Sheet, the Income and Expenditure Statement, Receipts and Payments
Account dealt with by the report are in agreement with the books of accounts.
Dhaka, July 29, 2007

Habib Sarwar & Co.
Chartered Accountants
CHITTAGONG OFFICE : Jahan chamber, 1st Floor, 2748 Halisahar Road, Chowmhani, Agrabad, Chittagong.
Phone : 031-715873, Mobile : 0189-325414

Habib Sarwar & co.

NATIONAL NUTRITION PROGRAMME (NNP), CORE SERVICES
NAME OF UPAZILA: SADARPUR, BHANGA, MADARIPUR SADAR
TUNGIPARA, MUKSHEDPUR & GOPALGONJ SADAR
CONTRACT # S-10, AREA PACKAGE # 10
BALANCE SHEET
AS AT MARCH 31,2007
AMOUNT IN TAKA
PARTICULARS NOTE
31.03.2007
PROPERTY & ASSETS:
Fixed Assets:
At Cost (As per schedule) 108,000
Current Assets:
Cash & Bank Balance 9 5,188,996
Total Assets 5,296,996
FUND & LIABILITIES:
Capital fund 10 (6,800,292)
Loan Fund:
BEES General Fund 11 954,211
Current Liabilities:
Provision for Expenditure 12 11,143,077
Total Fund & Liabilities 5,296,996
1. The accompanying notes form an integral part of this financial statement.

2. Signed in terms of our separate report of even date annexed.
Habib Sarwar & Co.

Dhaka, May 23, 2007 Chartered Accountants

Habib Sarwar & co.
INCOME & EXPENDITURE STATEMENT
FOR THE PERIOD FROM SEPTEMBER 01,2006 TO MARCH 31,2007
FROM
CUMULATIVE FROM
SEPTEMBER 01,
SEPTEMBER 01, 2006
2006
PARTICULARS NOTE TO
TO
MARCH 31, 2007
MARCH 31, 2007
AMOUNT IN TAKA
AMOUNT IN TAKA
INCOME:
Donors Grants 13 46,139,751 46,139,751
Total 46,139,751 46,139,751
EXPENDITURE:
Salaries & Benefits 14 11,589,180 11,589,180
Travelling & Other Allowances 15 209,480 209,480
Rent, Utilities & Stationeries 16 291,563 291,563
Maintenance & General Expenses 17 528,816 528,816
Meeting Expenses 18 959,978 959,978
Training & Refreshers 19 2,532,140 2,532,140
Supplementary Feeding & Program Expenses 20 7,225,697 7,225,697
Management Cost 1,750,264 1,750,264
Total 25,087,118 25,087,118
Net Surplus 21,052,633 21,052,633
Habib Sarwar & Co

Dhaka, May 23,2007

Habib Sarwar & co.
RECEIPTS & PAYMENTS ACCOUNT
FOR THE PERIOD FROM SEPTEMBER 01,2006 TO MARCH 31,2007
FROM CUMULATIVE FROM

SEPTEMBER 01, 2006 SEPTEMBER 01, 2006
SL PARTICULARS TO TO
MARCH 31, 2007 MARCH 31, 2007
AMOUNT IN TAKA AMOUNT IN TAKA
RECEIPTS:
Opening Balance:
Cash in hand 2,550 2,550
Cash at bank 31,649 31,649
Received from NNP 46,139,751 46,139,751
Loan from General Fund 7,290,430 7,290,430
Total 53,464,380 53,464,380
PAYMENTS:
1 Salaries of ABCN Staff:

Upazila Manager 470,000 470,000
Field Supervisor 2,066,250 2,066,250
Accountant 282,000 282,000
Support Staff 162,000 162,000
MLSS/ Messenger 138,500 138,500
CNO 1,307,200 1,307,200
CNP 7,589,530 7,589,530
2 Travelling and other allowances:
ATFPO 27,470 27,470
Field Supervisor 126,080 126,080
CNO 100,400 100,400
3 Office Rent and Utilities at Upazila level:

Office Rent 240,000 240,000
Transportation/Telecom/Courier 2,100 2,100
Meeting Cost, Upazila 20,954 20,954
Meeting Cost, Union 168,880 168,880
Meeting Cost, Village 1,426,232 1,426,232
Meeting Cost, Technical 8,984 8,984
Meeting Cost for Municipal Committee 2,100 2,100

FROM CUMULATIVE FROM
SEPTEMBER 01, 2006 SEPTEMBER 01, 2006
SL PARTICULARS TO TO
MARCH 31, 2007 MARCH 31, 2007
AMOUNT IN TAKA AMOUNT IN TAKA
4 Stationary for Upazilla office 808 808

5 Transport, Equipment, Furniture:
Motor Cycle Fuel Cost 27,960 27,960
Boat Fare for CNOs and Supervisors 42,245 42,245
6 Vehicle Maintenance:
Motor Cycle Maintenance Cost 1,500 1,500
7 Utensils and Other Logistics:
GMP Card 158,419 158,419
Replacement of Logistics 101,274 101,274
Office Stationeries for CNC 104,834 104,834
Office Stationeries for CNO 1,362 1,362
8 Supplementary Feeding 11,920,970 11,920,970
9 Referral Cost 327,665 327,665
10 Sanitation
Maintenance Cost for each Latrine 200,967 200,967
11 CNC Maintenance 532,402 532,402
12 CNO Refreshers Training 267,505 267,505
13 CNP Refreshers Training 2,502,374 2,502,374
14 Women Group Refreshers Training 2,187,250 2,187,250
15 Loan refund to GF (BEES Account) 12,626,206 12,626,206
16 Management Cost 3,132,963 3,132,963
17 Closing Balance:
Cash in Hand 22,257 22,257
Cash at Bank 5,166,739 5,166,739
Total 53,464,380 53,464,380
Habib Sarwar & Co


Habib Sarwar & Co. DHAKA OFFICE:
Chartered Accountants EASTERN COMMERCIAL COMPLEX
73 KAKRAIL, CHAMBER # 704
DHAKA-1000
PHONE :9335974, FAX :9347421
MOBILE :0171535332
AUDITOR'S REPORT
The Executive Director & Line Director
Government of the People's Republic of Bangladesh
Ministry of Health & Family Welfare
National Nutrition Programme (NNP)
House No-46, Road No-5, Dhanmondi
Dhaka-1205.
We have audit the accompanying Balance Sheet of "National Nutrition Programme (NNP) (Contract #
S-10, Area Package # 10) of Bangladesh Extension Education Services (BEES)" as at June 30,
2007 and related Income & Expenditure Statement, Receipts & Payments Account and notes and schedules
there to for the period from April 01, 2007 to June 30, 2007. The preparations of these financial statements are
the responsibility of BEES's management. Our responsibility is to express an independent opinion on this
financial statement based on our audit.
We conducted our audit in accordance with Bangladesh Standard on Auditing (BSA), which are consistent in all
material respects with Bangladesh Accounting Standards and International Accounting Standard/International
Financial Reporting Standards IAS/IFRS as adopted in Bangladesh. Those standards require that we plan and
misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in
the financial statements. An audit also includes assessing the accounting principles used and significant
estimates made by management, as well as evaluating the overall financial statement presentation. We believe
that our audit provides a reasonable basis for our opinion.
give a true and fair view of the state of the "National Nutrition Programme (NNP) (Contract # S-10,
Area Package # 10) of Bangladesh Extension Education Services (BEES)" affairs as of June 30,
2007 and of the results of its operations and complies with all applicable laws and regulations.
We also report that:
a) We have obtained all the infromation and explanations which to the best of our knowledge and belief were
necessary for the purpose of our audit and made due verification thereof.
b) NNP guidelines have been followed by BEES, so far as it appeared from our examination of those books and
records.
c) In our opinion, the Balance Sheet, the Income and Expenditure Statement, Receipts and Payments Account
dealt with by the report are in agreement with the books of accounts.
Dhaka, July 29, 2007 Habib Sarwar & Co.

CHITTAGONG OFFICE : Jahan chamber, 1st Floor, 2748 Halisahar Road, Chowmhani, Agrabad, Chittagong.
Phone : 031-715873, Mobile : 0189-325414

Habib Sarwar & co.
Dhaka, July 29, 2007 CONTRACT # S-10, AREA PACKAGE # 10
BALANCE SHEET
AS AT JUNE 30,2007
AMOUNT IN TAKA
PARTICULARS NOTE
30.06.2007
PROPERTY & ASSETS:
Fixed Assets:
At Cost (As per schedule) 108,000
Current Assets: 16,429,267

Fund Receivable from NNP 1,568,956
Cash & Bank Balance 9 14,860,311
Total Assets 16,537,267
FUND & LIABILITIES:
Capital Fund 10 (794,074)
Loan Fund:
BEES General Fund 11 2,964,211
Current Liabilities:
Provision for Expenditure 12 14,367,130
Total Fund & Liabilities 16,537,267
1. The accompanying notes form an integral part of this financial statement.

2. Signed in terms of our separate report of even date annexed.
Habib Sarwar & Co


Habib Sarwar & co.
Dhaka, July 29, 2007 BANGLADESH EXTENSION EDUCATION SERVICES (BEES)
INCOME & EXPENDITURE STATEMENT
FOR THE PERIOD FROM APRIL 01,2007 TO JUNE 30,2007
FROM FROM CUMULATIVE FROM
SEPTEMBER 01, APRIL 01, 2006 SEPTEMBER 01,
NOT 2006 TO 2006
PARTICULARS
E TO JUNE 30, 2007 TO
MARCH 31, 2007 AMOUNT IN MARCH 30, 2007
AMOUNT IN TAKA TAKA AMOUNT IN TAKA
INCOME:
Donors Grants 13 46,139,751 16,355,656 62,495,407
Total 46,139,751 16,355,656 62,495,407
EXPENDITURE:
Salaries & Benefits 14 11,589,180 4,927,075 16,516,255
Travelling & Other Allowances 15 209,480 88,990 298,470
Rent, Utilities & Stationeries 16 291,563 124,939 416,502
Maintenance & General Expenses 17 528,816 220,781 749,597
Meeting Expenses 18 959,978 407,937 1,367,915
Training & Refreshers 19 2,532,140 1,123,976 3,656,116
Supplementary Feeding & Program Expenses 20 7,225,697 2,733,686 9,959,383
Management Cost 21 1,750,264 722,054 2,472,318
Total 25,087,118 10,349,438 35,436,556
Net Surplus 21,052,633 6,006,218 27,058,851
Habib Sarwar & Co



Annual Report 2006-2007 of Bangladesh Extension Education Services (BEES)

Diunggah oleh

Informasi Dokumen

Hak Cipta

Format Tersedia

Bagikan dokumen Ini

Bagikan atau Tanam Dokumen

Opsi Berbagi

Apakah menurut Anda dokumen ini bermanfaat?

Apakah konten ini tidak pantas?

Hak Cipta:

Format Tersedia

Annual Report 2006-2007 of Bangladesh Extension Education Services (BEES)

Diunggah oleh

Hak Cipta:

Format Tersedia

Acronyms

2 BEES REPORT 06-07

BEES REPORT 06-07 7

Saiful Islam Robin

8 BEES REPORT 06-07

Increasing development assistance

BEES REPORT 06-07 9

iii. Seba Package:

10 BEES REPORT 06-07

BEES REPORT 06-07 11

12 BEES REPORT 06-07

14 BEES REPORT 06-07

To bring about changes in the lives of the poor,

BEES REPORT 06-07 15

Building and Strengthening Community

During the reporting year BEES worked in

BEES REPORT 06-07 17

18 BEES REPORT 06-07

BEES set about Rural Development Program (RDP)

2.1 Micro-finance Program

20 BEES REPORT 06-07

Components of Microfinance Program

Key Features of Loans

a) Rural Micro-credit (RMC)

b) Micro Finance and Technical Support

c) Ultra Poor Program

BEES REPORT 06-07 21

d) Financial Services for the Poorest (FSP)

e) Micro Finance for Marginal and Small Farmer

f) Urban Micro-Credit (UMC)

h) Seasonal Loan Program

22 BEES REPORT 06-07

iii) Sheba Package

During the reporting period followings were

General and Reproductive Health

The paramedics of BEES under SHEBA

Till end of June 2007, a total of 43

24 BEES REPORT 06-07

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

BEES REPORT 06-07 25

26 BEES REPORT 06-07

"When I was thoroughly downhearted to

If you ever go to Shiuli, you discover

BEES REPORT 06-07 27

28 BEES REPORT 06-07

3.1 Agriculture and Social Forestry

30 BEES REPORT 06-07

3.1.2 Major interventions

Training for staff and beneficiaries

BEES REPORT 06-07 31

Agricultural Inputs Delivery

Input wise Beneficiaries' Numbers

3.2 Agricultural Technology Transfer Project (ATTP)

3.2.2 Major interventions

32 BEES REPORT 06-07

3.3. Poultry and Livestock Program

3.3.2. Major interventions

Category-wise Number of Trainees Received Training from Different Courses

BEES REPORT 06-07 33

After receiving training, beneficiaries could

3.3.3.1 Semi-Scavenging Poultry

conducting benchmark survey for the

34 BEES REPORT 06-07

"Since my family was being distressed due to lack of