ON
WOMEN ENTREPRENEURSHIP DEVELOPMENT OF ASA:
A CASE STUDY OF SOME WOMEN ENTREPRENEURS.
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DECLARATION II
SUBMISSION LETTER III
PREFACE IV
ACKNOWLEDGEMENT V
CONTENTS VI-VIII
LIST OF TABLE IX
Introduction 1
1.1 Statement of the problem 1
1.2 Rational of the study 2
1.3 Objectives of the study 3
1.4 Methodology of the study 4
1.4.1 Conceptual framework 4
1.4.2 Research design 5
1.4.3 Sample design 6
1.4.4 Methods of data collection 7
1.5 Limitations of the study 8
ASA IN BREIF 16
4.1 Background’ growth & development of ASA 16
4.2 Objectives of ASA 17
4.3 ASA at a glance 18
4.4 ASA oregano-gram 21
4.5 ASA recently development program 21
4.5.1 The road ahead: ASA in 2004 22
4.5.2 Targeting the hard core poor 22
4.5.3 Graduating clients to encourage economic development: 23
4.5.4 Building the foundation for economic empowerment: 24
4.5.5 Envisioning the future: ASA concept development national
sanitation plan. 25
4.5.6 Tailoring loan products to disaster-prone areas: Haor and
Monga consumption loans. 26
4.5.7 Tailoring loan to SIDR affected area 26
4.5.8 Small NGO partnership program 27
4.5.9 Student Internship program: 28
4.6 ASA’s saving and credit program 28
4.6.1 Micro credit: 28
4.6.2 Small loan program: 29
4.6.3 Small business loan program 29
4.6.4 Small entrepreneurs leading program (SEL) 30
4.6.5 Micro savings 31
4.7 Information on ASA’s success 32
4.8 ASA’s future plan 36
51
Problem of Entrepreneurship Development.
51
6.1 problem faced by Entrepreneurs
52
6.2 problems faced by ASA personnel
54-56
Chapter-Seven: Summary and Recommendation
BIBLIOGRAPHY 57
SOURCE OF DATA:
Primary data:
Secondary data:
1.b Trading 10
General Body
Governing Body
Managing Director
Direct Administrator-DA/
Direct manager-DM/ Supports staffs
Team leader-TL/ District Driver, peon, Guard
Officer-DO Cleaner
Branch manager – BM
Manager SEL
Loan officer
Support staff
The poor can and want to save. ASA was among the first
NGOs to understand that savings are of no use to clients
if they are locked bin by MFI. In 1997 ASA proposed a
bold new policy that would allow members to withdraw
their savings as needed. Members with small and small
business loans must keep 10% of the loans principal in
their accounts but have free access to the remainder of
their savings. Since 1997 ASA has offered both
mandatory and voluntary savings programs to its clients.
Savings benefit both ASA and its clients, as mobilized
savings are capitalized and added to the revolving loan
fund (RLF).
Mandatory:
Member with small loans are required to save tk. 10
weekly. Clients in the small business program are
required to save tk. 20 weekly. There is no mandatory
savings requirement for SEL clients.
Voluntary:
In addition to their mandatory saving contribution, ASA
member can save as much as they like in. Group
members may withdraw up to 1000 (urban) and 500
(rural) at their weekly group meetings. Members who
wish to withdraw more than this amount can do so
simply by going to the ASA branch.
Total savings deposits from July 1992 to December 31,
2003 were tk.13349 million and balance at the end of
December 31,2003 was tk. 2805 million.
Indicators Achievements
1. Disbursement cost per tk. 100 Tk. 3 (lowest in the world)
Events Steps
1. Branch structure Very simple office with one
room, minimum staff, mid-
level structure without
secretariat.
2. Central Office Only 100 officials
3. Power of decision Highest level of
decentralization and rapid
decision-making.
4. Specialty of the Free from foreign grant, Only
organization financial service, and health
service from surplus.
5. Regular management Written working manual,
strong monitoring and
supervision. Playing promot-
ionnal role in all stages, tran-
sparency & accountability.
6. Family in the jurisdiction 30 lakh families (10%of the
of service total population in the
country)
7. Accounts keeping/ Simple & transparent.
Record keeping
(Reporting system)
8. Loan disbursement and One week for first loan & 12
its processing period hours for next ones.
9. No of group members Minimum 10 & maximum 30.
10. Liability No group guarantee, no
penalty to anybody for others
default.
11. Appointment & No extra cost, appointment/
orientation/ Training orientation from the field.
Occupation No Of Percentage
entrepreneurs
Housewife 32 64
Self employed 10 20
Employed 8 16
Total 50 100
Occupation No Of Percent
entrepreneurs
Day labor 18 36
Small business 18 36
Agriculture 10 20
Transport 02 04
service
Other 02 04
Total 50 100
Married 40 80
Unmarried 05 10
Divorce 05 10
Total 50 100
Husband 9 18
ASA employees 10 20
Self motivated 17 34
Neighbors 12 24
Others 02 04
Total 50 100
1 20 40
2 25 50
3 03 06
4 02 04
Total- 50 100
Below-1000 09 18
1000-2001 30 60
2001-3000 06 12
3001-4000 04 08
4001-above 01 02
Total 50 100
Relatives 5 10%
Own 30 60%
Rental 07 14%
Total 50 100
1 20 40 07 14
2 25 50 26 52
3 03 06 12 24
4 02 04 05 10
Housewife 32 64 17 34
Self
employed 10 20 32 64
Employed 08 16 01 02
No of 6 12 0 0
house
House 29 58 14 28
made by
straw
House 15 30 36 72
made by
tin
Before no of After no of
Occupation Percent Percent
entrepreneurs entrepreneurs
Day labor 18 36 06 12
Small
18 36 21 42
business
Agriculture 10 20 10 20
Transport 02 04 04 08
service
Other 02 04 09 18
Total 50 100 50 100
1001- 30 60 04 08
2000
2001- 06 12 11 22
3000
3001- 04 08 19 38
4000