B I SWA

BHARAT INTEGRATED SOCIAL WELFARE AGENCY Acronym: BISWA Complete postal address: At: Danipali, P.O.: Budharaja

District: Sambalpur-768004, State: Orissa, INDIA Telecommunication: +91-663-2533597/+91-663-3096538/+91-9437056453 +91-9861016663/+91-9339700631 Tele-fax: +91-663-2533597/+91-633-2520198 E-Mail: kcmalick@biswa.org b_wa@rediffmail.com kc_malick@yahoo.com

Website: www.biswa.org

Legal Status: 1. Registered under Societies Registration Act XXI of 1860, Government of India vide Registration

number 22660-41 of 2005-06 dated 01.07.2005 (issued against old registration no. 4824-22 of 1996 dated 15.07.1995)

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

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

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

5. Registered under Orissa Sales Tax Act

6. Registered under Central Sales Tax Act

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

8. Licensed to export handicrafts

9. Registered under Indian Labour Act.

10. Certified under ISO 9000/2002

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Outreach: We have been able to reach 9 states of India. The details are:

Sl.NO NAME OF THE STATE Name of the districts 1.

ORISSA

1. Anugul 9. Dhenkanal 17. Kendrapara 25 .Nuapada 2 .Balangir 10. Gajapati 18. Keonjhar 26. Puri 3. Balesore 11 .Ganjam 19. Khurda 27. Rayagada 4. Bargarh 12. Jagatsinghpur 20. Koraput 28 .Sambalpur 5. Baudh 13. Jajpur 21. Malkangiri 29. Sonepur 6. Bhadrak 14 .Jharsuguda 22. Mayurbhanj 30. Sundargarh 7. Cuttack 15. Kalahandi 23. Nabarangpur 8. Deogarh 16. Kandhamala 24. Nayagarh

2.

CHHATTISGARH

1. Bastar 5 .Durg 9. Kawaedha 13. Raigarh 2. Bilaspur 6. Janjgir Champa 10. Korba 14 .Raipur 3. Dantewada 7. Jashipur 11. Koriya 15. Rajnadgaon 4. Dhantari 8. Kanker 12. Mahasamund 16. Sarguja

3. BIHAR 1. Gopalgunj 4. WEST BENGAL 1. 24 Parganas 2 .Midnapore 3. Kuchbehar 5 JHARKHAND 1. Bokaro 6. UTTARANCHAL 1. Lalkuan 7. UTTAR PRADESH 1. Agra 2. Lucknow 3. Varanasi 8. MADHYA PRADESH 1. Moorena 9. NAGALAND 1. Kohima 2. Dimapur 3. Mokokchung 4. Tuensang

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Operational areas of BISWA are indicted in filled colors.

FOUR SEGMENTS OF BISWA

MICRO

INSURANCE

MICRO

FINANCE

MICRO

ENTERPRISE

SOCIAL

DEVELOPMENT

BISWA

Vision Statement

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

Mission Statement

To make a real lasting social, financial, psychological and Spiritual impact on individuals help build strong

cohesive Communities and generate substantial employment opportunities by increasing availability of a

wider range of services.

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micro-Finance

micro-Finance Vision

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

Micro-Finance Mission

Create a fair and level playing field for every micro-entrepreneur so that they do not need to be permanent dependent just because they do not qualify for the mainstream finance.

Revive the root of banking, so that credit is once again based on trust and relationship and a person’s wealth or poverty has no bearing on his/her creditworthiness.

Make a real and lasting psychological, social & financial impact on individuals; help build strong, cohesive communities; and generate substantial job opportunities and economic benefit for society as a whole.

Make available financial services at lowest possible cost at the door step of the customers. Micro-Finance objectives

To bridge the gap between demand and supply.

To provide collateral free loan to the poor.

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

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

Strategy adopted

Encourage Savings for Capital growth

Encourage Micro-enterprise for credit deepening

Credit to pursue income generation activities

Women focused

Federation Building

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Collateral free loans

Provision of Social security system (Insurance)

Flexible repayment periodicity

micro-Finance Products

At present BISWA has two products Credit & Savings.

Credit Delivery Channels:

1. Self Help Groups (SHGs)

2. Self Help Federations (SHFs)

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

1. Rate of Interest : 20% per annum on reducing balance for the SHGs

2. Average term : 9 months

3. Collateral : Nil

4. Processing Fees : 2.5% of total value of loan

5. Transition cost : Nil

6. Average waiting period : 21 days

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The loan are granted by a Loan Committee basing on the amount of saving (amount accumulated out of compulsory savings) available at the bank/in hand. Internal credit is discouraged by the time as a SHG is considered eligible for an external credit.

7. Rescheduling of loans is not practiced.

8. Though it is a single product, it covers up a wide range of services: agriculture, skill development/ diversification of livelihood options, animal husbandry, consumption, exigency expenses etc.

2. Self Help Federations:

Self Help Federations are conglomerations of 11-50 SHGs in a compact geographic area. The federations

are client owned client managed and community based legal entities registered under Indian Trusts Act as

Mutual Benefit Trusts (MBTs). These entities act as socio-economic intermediary bodies. These

Federations avail credit from BISWA at a lower rate of interest and on lend to the federated SHGs at rates

of interest at par with those of non federated SHGs, all variables remaining constant.

3. Other Self Help Promoting Institutes:

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

Savings:

1. Compulsory saving : An amount of saving each member has to deposit at a given interval (a week /a month) as decided by the respective groups in their meetings. This amount may vary from Rs 10/-per member per week to Rs 100/- per member per month (considering average savings per member per week /month) .

2. The savings are deposited in their respective bank accounts and are not utilized by BISWA.

3. In case of deposit of the amount as Margin Money, the money is not further extended as a part of their loan amount. The margin money earns the group a rate of interest of 6 % per annum.

Financial Overview (as on 30.09.2007)

Return on Performing Assets 12% Financial Cost Ratio 03% Loan Loss Provision Ratio 01% Operating Cost Ratio 04% Yield on Portfolio 11% Operating Grant Ratio 19% Operating Self-Sufficiency 127% Cost per Unit Money Lent 0.02 Paisa

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Cost per Loan made Rs. 1,096 Average no of loan per Credit Officer 77 Average Portfolio per Credit Officer Rs. 53,62,703 Portfolio in Arrear 0.08% Portfolio at Risk 0.2% Reserve Ratio 0.4%

Operational Overview (as on 30.09.2007)

No of districts covered 61(in nine states) Total number of Self Help Groups 23,952 Total members: 384,803 Total Federations formed 210 Total saving mobilized 163.55 million INR Number of loans disbursed 21,753 Amount of loans disbursed 1,868.54 million INR Average loan size 85,898 INR Total outstanding 897.28 million INR Rate of repayment (cumulative) 98% Operational Self Sufficiency 127% Portfolio at Risk 2% Sector wise distribution (%): Agriculture: 62 Small Business: 27 Consumption: 11

Total NGOs supported: 83

Key initiatives & accomplishments of BISWA as an mFI:

Income generating activities of the SHGs made sustainable.

A platform created for federating of SHGs into Mutual Benefit Trusts.

A seek unit of District Administration rejuvenated.

Encouraging SHGs to enter into production/ processing activities.

Employment opportunities created through the unit.

SHGs exposed to marketing and products of other SHGs.

Expanded customer base for the products.

SHGs protected from malpractice in business activities.

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Freeing the groups from clutches of money-lenders.

Saving the groups from meeting additional expenses of marketing.

Encouraging the SHGs to take up innovative/ experimental projects.

Convergence of micro-enterprise into micro-finance

Inclusion of special livelihood groups into mF and mE activities

Attaining Nodal Status in Chhattisgarh for Rashtriya Mahila Kosh

Promotion of Mutual Benefit Trust (Federations of SHGs) as legal entities and client owned client managed community based institutions.

Promotion of Non-Banking Financial Company at the apex level to meet the financial needs of the federations/ SHGs and other NGO-mFIs.

Ratings: 1. By M-CRIL as ß

2. By CRISIL as mFR3

3. By Mix Market ****

BISWA NBFC

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

Details about thrust areas of working:

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

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

B I SWA

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

tal pproach

a

micro INSURANCE

urity measure, BISWA covers its clients under three micro-insurance schemes.

For Life with LIC’s Janashree Bima Yojana (JBY) & with TATA-

ealth Insurance For Assets with Oriental insurance Company

icro-insurance, it was conferred the national award by Planet India and ING Vysya Bank in 2007.

BISWA’s Micro-Insurance Achievement

Sl. No Coverage

e Company and when started ered

07 made up ‘07

Memento In recognition of Contribution of BISWA jointly in MicroFinance sector by SIDBI,C

Micro Finance Process Excellence Award 2006 Conferred to BISWA Jointlyby PlaNet Fi

Micro Finance Process Excellence Award 20Conferred to BISWA Jointly by PlaNet Financ

05

e & ABN Amro Bank

nance & ABN

Amro Bank ARE &

Mission Shakti

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

AIG ; For Health with ICICI Lombard; & Oriental H

BISWA’s continuous pursuance has resulted in a massive growth in its micro- insurance operation. As a recognition of BISWA’s pioneering work in the field of m

Policy Insuranc Total Client cov up to Sept’

Number of claims to Sept

(Claim settled ) payment received

1 LIFE LIC March 2003 69,250 78 (58) .13,40,000/ 2 LIFE TATA AIG June 2007 5,106 0 0 3 HEALTH I CICI Lombard January 2006 1,53,534 314 (204)/12,42,334/ 4 ASSETS ORIENTAL February 2006 62,178 14

(5)/ 8,21,357//

Sl. Insurance Company Details of policy coverage the SHG members

Support provided by BISWA Premium details by

Micro Insurance Award 2006-07 jointly conferred by PlaNet Finance and ING Vysya

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1 LIC Life coverage 1.Janashree Bima Yojana 2.Scholarship for 2 children

Rs.100 per annum No extra premium

Role of Insurer and intermediary facilitation for early claim settlement.

2 ICICI Lombard Health coverage Rs.325 per annum Role of Insurer and intermediary facilitation for early claim settlement.

3 Oriental Insurance

Assets coverage 1.Janata personal Accident Policy 2.Kisaan package policy 3.Shopkeepers Insurance

Claim from Rs.50,000 to Rs.1,00,000 Rs.60 to Rs.250 Rs.60 to 250

Role of Insurer and intermediary facilitation for early claim settlement

4 TATA-AIG Life coverage Sampoorna Bima Yojana

As per the age but sum assured is Rs.10,000

Role in Insurer and intermediary facilitation for early claim settlement. Advance premium payment, if necessary

Details of policies served

micro ENTREPRISE

Micro- Entreprise Mission

To bring recognition, legitimacy, respect and opportunity to the 100,000 skilled micro-entrepreneurs in the Orissa region.

To create a fair and level playing field for every micro-entrepreneur, so that they do not need to be permanent dependent just because they do not qualify for the mainstream finance.

BISWA has promoted micro-enterprise among the target groups in its operational area irrespective of them being members in SHGs

MICRO ENTERPRISE AWARD Conferred to Reena Mahanand by Citigroup As Best Entrepreneur

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promoted by it or not. The salient features of the Rural/ Micro-Entrepreneurship development programs of BISWA are:

Assessment of available resources, need and marketability

Imparting skill development trainings

Creating community capital base to undertake production/ processing activities

Establishing forward and backward linkages for smooth operation

Control and development of quality of produce (value addition)

Export promotion of SHG product

Showing the path to the artisans and rural youth. (Understanding need)

Networking among firms & Institutions

Capacity building of the rural, tribal & urban youth.

Conduct technological workshops

Impart technological training

Visit of expert from recognized institutions

Personal counseling to the entrepreneurs

Workshop on good health & work safety

Documentation

Micro Enterprise Strategy

Develop local institutions through promotion of SHGs.

Technology up gradation through skill development of artisans.

Network formation among artisans.

Development of BDS market for minority communities.

Establishment and strengthening of Small & Micro Enterprises among Minority Communities.

Micro Enterprise Interventions

Issues Addressed in the intervention programs

Low level of technology.

Limited network among the development actors.

Low level of information communication among various stakeholders of development.

Little knowledge about scope and limitation of the product marketing.

B I SWA

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

Static industry association

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

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

Training

Imparting skill development training to bamboo artisans at Jhankarbahali and Malkangiri

Imparting vocational training to urban and rural youth at Sambalpur, Burla and Jharsuguda

Imparting design development training for brass and bell metal artisans at Rengali & Katapali

Imparting Rural Entrepreneurship Development training

Imparting Micro Entrepreneurship Development training

Establishing common facility centers

Imparting training to handloom weaver in Bheden, Barpali & Sohela Blocks of Bargarh

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

Developing list of potential traders (Pre-training)

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Personal counseling to traders (Pre-training)

Product benchmarking (during training)

Developing common brochure & website (Post-training)

Buyer-Seller meet (Post-training)

Workshop on diversification (Post-training)

Tie-up with retail outlets (Post-training)

Training programme on diversification (Post-training)

In order to ensure a permanent marketing facility to SMEs established by the beneficiaries trained under its technology up-gradation programme BISWA has opened a marketing outlet which displays the products manufactured by such trained artisans and retails it and also acts as a wholesale agent for such products. Laxmipriya In pursuance of its objectives and adopted strategies for women empowerment in particular and community development in general, formation of SHGs, adequately train them in group dynamics, encourage thrift and savings have been prime concern of BISWA since inception. A key issue emerged in the process i.e. to suggest and facilitate activities which gave the members access to finance - finance free of any loan tag; even revolving loan fund of BISWA. Skill development training, design development training, production or processing of quality materials/ goods were to become worthless had there been no system for outflow of the product.

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

Common Facility Centers 1. Common facility Center for Brass and Bell-metal artisans at Ganesh nagar of Rengali block, Sambalpur

2. Common facility Center for Leaf cup-plate makers at Charichhak, Boudh

3. Common facility Center for Brass and Bell-metal artisans at Katapali, Bargarh

Impact of CFC In comparison of state of affairs between pre-intervention and post-intervention periods it is observed that the following developments have taken place:

Skill of the artisans is enhanced and they are able to produce finer objects by semi-mechanized process.

Income level of the artisans has risen by 180%, the artisans tending to move out of BPL.

Innovative product designs have been evolved by the artisans.

Common problems are addressed collectively.

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Contractual trade practice eliminated by giving more financial benefit to the artisans.

Social security for all sects of the community enhanced; emerged from the enhanced economic

freedom.

Vulnerability of the artisan community significantly decreased.

Cluster Approach

1. Bamboo cluster at Jhankarbahali, Sambalpur

2. Dhokra cluster at Kishorenagar, Angul

3. Dhokra cluster at Bairapari, Malkangiri

4. Bamboo cluster at Kudumulguma, Malkangiri

5. Bamboo cluster at Ghanabeda, Malkangiri

6. Bamboo craft (kandi) in Gariabandh of Raipur district (focusing Kamar tribe)

Rural Entrepreneurship Development Training imparted

1. Weaving

2. Tie and Dye

3. Brass and Bell-metal

4. Soap making

5. Leaf cup plate making

6. Carpentry

7. Sisal

8. Candle

9. Soft toys

10. Black smithy

Training cum Production Centers (TPC) established

Soap training cum production center at Budapada, Sambalpur

Soft toys training cum production center at Kamali bazar, Sambalpur

Tailoring training cum production center at Kamali bazar, Sambalpur

Badi and Papad training cum production center at Kamali bazar, Sambalpur

Weaving training cum production center at Hatibari, Sambalpur

Candle making training cum production center at Hatibari, Sambalpur

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Sisal fiber training cum production center at Hatibari, Sambalpur

Sambalpuri saree making unit at Bargarh

Brass and bell-metal unit at Katapali, Bargarh

Readymade Garments unit at Diptipur,

Bargarh

Paper plate making unit at Bargarh

Tie and Dye unit at Marikel, Bargarh

Leaf cup plate making unit at Boudh

erprise programs

pective places.

Help establish set-up individual SMEs for each minority community artisan family.

anies Act

nkages for micro-enterprises.

o towns; Sambalpur and Rourkela. The Cafes are established for being run by trained SHG embers.

Memento In recognition of contribution of BISWA in governance sectoby Indian& Developme

r Society for Training

nt, Sambalpur Chapter

Memento Inrecognition of effective participation in the Credit And EProject

nterprise(CASHE) of CARE India1999-

2006 Special inputs designed for involving minority communities in micro-ent

Skill up gradation training to artisans belonging to minority community.

Formation of artisan guild for these minority community artisans in their res

Provide a common facility centre to these artisans of minority community.

Transformation of existing infrastructure into model village infrastructure.

Action taken for enhancement of micro-enterprise activities Promotion of Micro Enterprise Development Institute (MEDI)

The proposed entity is to be registered as a not for profit company under Comp

The MEDI shall act as a resource center for development of micro enterprises.

The MEDI shall facilitate forward and backward li

The MEDI shall promote export of SHG products

Involving corporate sector to strengthen the micro-enterprise activities in the form of CAFÉ Khusi ITC: As an innovative approach, BISWA has involved ITC; a name in the corporate sector to reckon with, with its micro-enterprise development programme. ITC and BISWA have joined hands to established a chain of afes in twc

m

B I SWA

SOCIAL DEVELOPMENT

rban Sanitation Programme

an bodies) under control of BISWA are done with more sincerity & volvement and incur less expense.

ocialization of Leprosy Cured Persons

d functional vocational training support. BISWA has also involved three other NGOs in the rogramme.

h 97 are male and 95 are females. Total strength of the w:

By the dept. of Health 46

ocational Training programme

d 3 other NGOs in this programme and has a 275 number of trainees ceiving training in different trades.

BISWA during 2002. Since then she is working in association with BISWA for overall development of 48

U Sanitation of the urban limits is a mandate of the local self-governance system, the Municipality/ Notified Area Council (NAC). Working in association with these bodies in Sambalpur, Bargarh, Hirakud and Brajarajnager, BISWA has undertaken all the sanitation activities. The sanitary workers are formed into Self Help Groups and they are no more the employees. What they do is what they own. The sanitation activities wards (divisions of these urbin S Padmashree Dr. Isaac Santra, an eminent Gandhian social worker established an Ashram for the persons affected by Hansen’s disease; leprosy; at Hatibari in the year 1951. The centre was named after the village; Hatibari Kusthashram which later came to be known as ‘Hatibari Health Home. The Home provides an opportunity to the leprosy affected as well as cured persons to lead a normal life with self-respect, dignity and without the feeling of being socially excluded. Earlier, the infrastructure available at the home viz. the cultivable land, the industrial sheds(for black-smithy/rope making/tailoring/handloom weaving),the fish ponds and the orchards enabled the lepers to work with confidence and lead a respectable life. However, after the demise of Dr Santra, the maintenance of the infrastructure went down gradually. Subsequently, the Hindu Kushta Nivaran sangha advised BISWA to take over the infrastructure available at the Home. Presently, the home has 192 inmate out of which 97 are male and 95 are females. The inmates are now being impartep Present status at the Home Presently the Home has 192 inmates out of whicHome is for 194 inmates for as mentioned belo

By the dept. of W&CD and Panchayati Raj 148

V Functional Vocational Training Forum (FVTF) supports BISWA to impart vocational training programme as a Nodal Body. BISWA has involvere Basic Needs Programme Mrs. Joyasree Mahanti, a renowned social worker, residing in Michigan of USA came in contact with

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identified villages. Out of these 48 villages, 16 are presently covered and the rest shall be covered by another two years. The following thrust areas are identified and intervened to better the situation. Availability of safe drinking water: By the end of financial year 2005-06. 24 tube wells have been sunk

at strategic points Establishment of innovative schools: 16 Innovative Schools are established which have two major

components: Preschool education and elementary education. In addition to formal syllabus, the children are imparted training on other aspects of social life such as environment, health and sanitation etc.

Enhancing Health status: The programme has established 15 Community Based Drug

Distribution Centers in even number of villages which are operated by trained health workers from among the community.

Extension of credit service for: Under Basic Needs programme the artisans in the villages covered

are formed

undertaking Income Generation: into SHGs and are supported by external credit services of BISWA to pursue

Programs by Self Help Group their livelihood. They are imparted micro enterprise training on Members their respective trades.

Construction of Water harvesting Four Water Harvesting structures are currently constructed to Structures to facilitate irrigation facilitate irrigation in cultivated land to augment productivity and enhance fertility Environment Protection BISWA participates in the National Environment Awareness Campaign lunched by the Department of Forests and Environment, Govt. of India every year since last 6 years. Awareness regarding protection of environment is the main theme of the programme. Plantation As a special measure to restore greenery in its operational area BISWA has undertaken intensive plantation. In its plantation programme special attention is given to replenish existing forest coverage and create new greenery in wasteland. a. Plantation of 16500 bamboo shoots in adjacent jungle of Jhankarbahali b. Plantation of 1000 saplings of in Budapada, Jhankarbahali, Tangarjuri and Rathipada c. Plantation of Lemon, Mango, Bamboo, Lichee, Guava, Papaya and Sisal fiber in 196 acres at

Hatibari Health Home

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d. Plantation of Lemon saplings at Maneswar e. Extension of financial support to Budharaja Van Unnayan Samiti for plantation at Budharaja School

campus and Budharaja Hill slop. Reproductive and Child Health BISWA has been implementing Reproductive and Child Health (RCH) program of Government of India through the Mother NGO, MY HEART of Bhubaneswar since 1999. The activities were carried out in 20 Grampanchayats of Sambalpur district, covering a total population of more than 80000. Till date BISWA has implemented programmes pertaining to Reproductive and Child Health benefiting more than 150000 population spread throughout the district. In Chhattisgarh, BISWA has covered Nawagarh block of Janjgir Champa district under its RCH programme. 375 households have been covered under 3 PHCs; Bargaon, Kukuda and Rigni. Baseline survey has been completed in the target area. Ophthalmic Care 1856 patients were treated in various eye camps in BISWA 1626 patients were provided with medicines for their treatment 840 patients were provided with spectacles (glasses) 362 eye patient were operated in the eye ward of district head quarters hospital 562 cataract cases also operated. In a follow up, 94% were found to be successful operations. This activity was organized in collaboration with National Blind Control Programme and the Chief District Medical Officer. Popularizing Voluntary Blood Donation In a new dimension to Health Sector intervention by BISWA a Blood Donation Unit has been started recently on the auspicious occasion of Independent Day, 15th August 2006. The very intention of it was to popularize blood donation activities with providing proper information on it among it’s staff, employees and associated beneficiaries. It would also take care of all the misconception and misinformation on this noble activity. Condensed course school Central Social Welfare Board has supported BISWA to establish and run a school to impart education to school drop outs/ non-enrollees belonging to age group 10-16. The course offered there is condensed and the target is only girl children. The school has been established at Jahankarbahali village, which is one of the focus villages of BISWA. As such the village is situated in remote and difficult area, under-served in terms of health and education. Health care is also taken care of by imparting training and establishing CBD center in the main village which also covers the hamlets.

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Family Counseling Center The Central Social Welfare Board, through the State Social Welfare Advisory Board has been pleased to extend support to establish one Family Counseling Center (FCC) covering Sambalpur district. The Center was established on 1st March 2004. Within a short span of 1 month only, 4 cases were registered in the center, counseling provided and the subjected families are expected to overcome their differences to start all over again. As per the program component, two lady counselors have been appointed with adequate educational and professional backgrounds. Swadhar BISWA has been supported by the Department of Women and Child Development, Government of India to establish one SWADHAR home for destitute women. The Home is meant to provide shelter, food, clothing, medical and legal assistance, counseling services and economic rehabilitation to the inmates. The Home has capacity of housing 50 inmates. Plastic Recycling Unit Since long BISWA has been working for environmental protection and now it has started thinking for waste management, especially for the non-biodegradable waste (waste plastic product). It has established an environment friendly waste plastic recycling unit in the outer periphery of Sambalpur town. The waste plastic materials collected from Sambalpur and others nearby town are being molded and transported to the other part of the Country for giving different shape. The unit gives special attention to create mass awareness on the 4Rs (Reuse/ Recycle/ Refuse and Reduce) regarding the plastic use in Sambalpur and nearby areas. The target is to loitering-plastic free area. Health camps Conducting Health Camps in different areas in its area of operation constitutes a major activity to ensure quality in health standards of rural people. Under this program, BISWA has so far conducted 76 camps in which almost 12000 persons have been checked up and have been provided with medicines at no cost basis. Special emphasis is always laid on population control, control of prevailing diseases in the specified area and common practices for healthful living in rural and urban slum habitat. Intervention in handicapped sector Disability is not a curse but it can be healed with proper care and involvement of community. BISWA and District Disability Rehabilitation Center (DDRC) jointly organized a “Identification and Follow-up Camp on Disability” in different blocks of Sambalpur Districts. Both community awareness and Parent Counseling programme were conducted in these camps. In total 304 persons with different disabilities have been identified and have been referred to the District Treatment and Rehabilitation Center, Sambalpur.

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

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

By the end of May 2006, BISWA has covered 40 nos. of villages in 9 Grampanchayats in the aforesaid districts and has constructed 712 nos. of IHLs in even number of Below Poverty Line families. As a Key Resource Center, BISWA is also bestowed with the responsibility of imparting training stakeholders at various levels e.g., Block level official, the PRI members, community leaders etc. Total Sanitation Campaign is also being implemented in 1 block: Nawagarh of Janjgir Champa district of Chhattisgarh. By the end of May 2006, BISWA has covered 602 families out of which 491 families belong to BPL category. BISWA has undertaken training programmes targeting Anganwadi workers, Auxiliary Nurse Midwives, primary school teachers in the target area. 25 Village Water & Sanitation Committees have been promoted by BISWA which are legal entities having their own bank accounts. Intervention in R & R sector

As per the New R & R Policy 2006 Govt. of Orissa, concern industrial houses have been given new responsibility in the name of Corporate Social Responsibility. BISWA has been requested by Sambalpur District Administration to provide intervention at Displaced Rehabilitation Centers i.e. Thelkoli & Khinda. As per the request made by TATA Sponge Iron Ltd., our R & R team has conducted base line survey in the proposed coal mining area at Jhintipal in Chhendipada Block of Angul District. More such interventions are in the pipeline. BISWA NETWORK: BISWA NETWORK, a national network of civil society organizations is promoted by BISWA to undertake various developmental works at the grass root level with the joint effort of its partner NGOs. The prime objective of the network is to develop the capacities, management abilities and good governance of the partners. Establishment of BISWA civil Society Study Centre: To achieve this goal ,BISWA is also planning centre for civil society studies ( BCCSS) that will work towards strengthening local democracy,panchayati-raj institutions, good governance system for pro-poor development issues and democratic accountability. The centre would also work towards documentation, publication ,research, and dissemination of best practices in social sector development, microfinance and micro enterprise. Infrastructure available at BISWA 1. Central Office is located in a 4-storied building having 24860 sqft of carpet area. 2. Training Hall of 6720 Sqft 3. Training aids: White Board, Liquid Crystal Display, Sound System, Conferencing arrangements 4. Computer systems attached to every desk

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5. Telecommunication : Intercom, Telephones, Fax, E-Mail, Homepage 6. Two and Four wheelers 7. Ambulance 8. Office at all districts in operational area 9. Staff strength of 517 10. Well equipped canteen

On completion of 10 years of its operation, BISWA manifested its mission in the next 10 years to come i.e. what it wants to achieve by 2014. The 10 years of experience of growth, of development, of failures, of increasing interaction with community, with governance, with fellow development initiators formed the base of this practical thinking. Although the original mission of BISWA as mentioned above has not altered; it has attached a new dimension to it. Hunger free Western Orissa: Food security being the largest problem of all threatening the quality of human life in these parts need focused attention, Providing additional/ alternative livelihood opportunities to rural people of western Orissa shall top the priority list of BISWA in next decade.

100% Literate SHG members: In recognizing the fact that educational empowerment can be brought about by organized women more effectively than any other means, BISWA shall target its SHG members, speculated to cross 100000 mark by next 5 years; to exercise their control over the educational segment with a holistic approach. All of the family members of any picked SHG members shall be literate.

Conservation of Bio-diversity: It is a fact that it takes all kind of creatures to make the world. Diversity in forms of life are endangered by human brutality directly and indirectly. Just, compassionate and equitable social order cannot be brought about by being the sole survivor. Conservation of bio-diversity for reasons of making environment more human-friendly and accepting their share of all creatures on earth shall be one of the focus areas of BISWA in next 10 years.

Scientific Water Management:

Though this region is abundant with natural resources, under and mis-utilisation has led to non-availability of those to human benefit; even sustenance. Water tops the list. It is not bulk but the management practices followed makes the inhabitants stay thirsty even in the river banks. By next 10 years, BISWA shall focus towards modifying mass behaviour with regard to use of water for optimum mobilization of this life force. The programmatic approach shall tend to ensure that adequate usable water is available for all applications.

Addressing unemployment: The biggest national problem; unemployment; is proposed to be addressed by being able to provide employment opportunity to at least one member from each of the families covered under the micro finance program of BISWA. By the end of the decade, BISWA targets to cover at least 100000 households and thus creating even number of employment opportunities; in any mode, self or salaried. Meeting the target shall be a challenge which is the most welcome at BISWA.

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Empowering community to address their health needs: Health for all has been a global cry exceeding 10 years in full volume. Joining the school that does its mite to pay a heed to the cry; BISWA in association with the community itself shall establish Community Based Dispensing system that shall gradually empower the community to identify their health needs, address them and control health issues threatening to endanger their own healthy survival.

Achieving the above is not a one-man show and BISWA has always believed in team work. It will be a great task for BISWA to identify organizations nourishing similar dreams and to bring them together to work hand in hand. Again challenges are welcome at BISWA and there is a saying that a clear vision slips on still clearer road. BISWA shall utilize its available skill, experience, manpower and other resources to enhance capabilities of such NGOs and as a team all shall walk together realizing the nourished dreams.

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

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

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BISWA The winner of Best Organization Award for Contribution in Health Nutrition & population

KM Memorial Award Conferred to BISWA For Outstanding Contribution In Creating Environmental Awareness by Nehru Institute of Youth Affairs

Certificate of Appreciation For Contribution of Mr. K.C. Malick, Chairman,BISWA in Social Service by Sambalashree An ememinent Oriya weekly