1. Field visit presentation GROUP 5 September 6, 2012

2. Contents  General information  Major activities  Micro-credit activity  Vision of the CBO  Problems being faced  Felt need  Our observation

3. General information Name of CBO: Shibpasha Samaj Kalyan Mohila Sangstha (Phase out CBO of HISAL project at Ajmirigonj, Habigonj) Date of phase out: December 2011 Date of formation: November 11, 2008 SHG under CBO: 59 Total members: 872 Date of registration: January 11, 2011 under Department of Women Affairs Executive committee members: 11 Have a bank account in Sonali Bank

4. Major activities  Social  Economic  Leadership development  Training

5. Micro-credit activity  Padakkhep take loan from PKSF at 1% interest rate  CBO take loan from Padakkhep at 4% interest rate  CBO disburse loan among members at 10% interest rate  CBO disburse and collect loan from members through two paid staffs  Received a total amount of tk. 3645000 from Padakkhep  Collected an amount of tk. 73400 from members @tk. 10 per week per member

6. Vision of the CBO  To be an ideal organization  Change livelihood condition  Continue micro-credit activity

7. Problems being faced  Loan repayment and savings collection at group level  Shortage of staff and lack of monitoring  Weak in accounts keeping and maintaining documents at both group and office level

8. Felt needs  Capacity building support from CONCERN  Two more staffs  Increase credit capital

9. Our observation  Exit strategy of phasing out from community in terms of linking with financial organization & LGI  Understanding, articulation, negotiation and influencing others, confidence were appreciating  Existing engagement of CBO leaders in functioning the CBO was encouraging

10. Recommendation  Individual IGA should be monitored properly  Reduce dependency on paid staff by involving members from SHG in loan activity  Explore and develop capacity of members of CBO/SHG to perform loan activity  Strategy define to engage CBO/SHG member in the context of increased coverage and amount of loan in long run  Establish linkage with government to get access to khas land  Collective business/income opportunity should be introduced