Beneficiary: Nuresha Begum
[Microfinance program] Production technology of rice, potato
Thirty seven year old Nuresha Begum was born in the village Bairagipara of Paba upazila of Rajshahi district. She lived in a family of 4 members. Of them, only two were earning numbers. She read up to class X. Farming was the only means of earning of the family.
Nuresha has a total number of 10 employees. Of them, 3 are female and 7 are male. She has an ambitious plan to establish an integrated farm comprising crops, livestock (poultry, cattle, etc.) and fisheries to earn more income and employ more people in her farming enterprise.
Beneficiary: Rupia Begum
[Microfinance program] Story of a successful beneficiary
35-year old Rupia Begum, mother of a son and daughter, lives in the village Vutka of Gangachara upazila of Rajshahi district. Her husband Lalmia is a farmer. The family was in a vulnerable situation due to extreme poverty. Rupia was continuously thinking of finding a way to help her husband so that the family could survive. Rupia and her husband tried their best to find out an alternative source of income but failed.
She repaid the first term loan by selling goat's milk. After a year, she took second loan
Beneficiary: Amir Hossain
[Microfinance program] A successful entrepreneur by using microcredit
32-year old Amir Hossain was born in Noyapara village of PS Faridpur under Chandpur district. Amir Hossain is the fourth of his 3 brothers and 2 sisters in the family. The family was well managed by the earning of his father and mother. But when his brothers and sisters were capable of earning their own living, they got separated from the family. When his father became old and was incapable of working, Amir Hossain continued his study staying with his elder brother at Sunamgonj. Later on, he discontinued his study and started a small nursery with the financial assistance of his elder brother.
Padakhep with the help of his friend Reaz Ahmed. When his business turned out to be very successful, he was given second installment of loan of Tk. 29000/-. With further success, he took another turn of loan of Tk 50,000/-.
Beneficiary: Ful Kumar Chakma
[Agricultural program] A successful entrepreneur by using microcredit
Ful Kumar Chakma, s/o Ananda Kumar Chakma is a 52-year old hard working farmer from Chakma Palli of Rangamati Sadar upazila of Rangamati district. He has a family of 5 members husband, wife and 3 children. The 1st son, Gulmani, 28 helps his father in farming. The 2nd son, Rupayan, 18 has already passed the HSC. The third one is a daughter, Laxmi Sona, 16 and a student of final year HSC. They own a small hill. The whole family lives in a small tin-shed house with bamboo-fencing around, located on the top of the hill.
Mrs. Motri Chakma, Executive Director of the Partner NGO, Development Concern (Ramghar, Rangamati) came to know about his problem. Ful Kumar was selected and facilitated by the NGO partner to adopt the technology, ‘Mango Hoppers and Borer Control’ in his small mango orchard. He followed the ATTP guidelines and the NGO partners instructions in replicating the technology during the 1st cycle of implementation of ATTP. He sprayed the recommended pesticides with appropriate dozes 2 times, one full coverage spraying just before flowering started and the 2nd one after the marbel-sized fruits formed. The technology demonstration performance was rated excellent during 1st cycle of flowering and fruiting in 2010 under close supervision of both ATTP and NGO personnel.
Beneficiary: Roksana Begum
[Microfinance program] A successful entrepreneur
Struggle and determination brings happiness and changes in one's life. Roksana Begum is a unique example of this. As a role model of how to fight out poverty, Roksana won the "Best Woman Micro Entrepreneur of the Year 2013" award from CITI Group.
Tk.4,000/- in 1st and Tk. 8,000/- in 2nd installments. As she had experience in garments, she started tailoring in her house. In the next two years, she increased her savings instead of taking any loan. Padakhep recognized Roksana for her honesty and increased the amount of loan. In 2010, she took a loan of Tk.50,000/-. She started hotel business using the loan money and her own savings. With the hope of more profit, Roksana took a loan of Tk. 1,00000/-in 2011. She added Tk.1,50,000/-from her own savings with the loan money and started a paper cone (used in garments) factory. She did not stop there. After successful repayment of the loan, she again took a loan of Tk. 1,50,000/-in 2012 and Tk. 2,00000/- in 2013 with a view to expanding her business. She along with her husband and children worked hard for the factory. Finally, luck favoured and her dream came true. Good quality of the product and its huge demand in local markets gradually made the business more profitable. Last year her net profit was Tk.12,00000/-. She is now financially self-sufficient and can manage daily needs of her family quite well. Once Roksana and her family used to live in an earthen house but now they live in a building. She also rent out two houses for additional income. Now she has the asset worth two crore taka. Her elder daughter passed HSC in 2014 and the younger two are also going to school regularly. She hopes for their bright future. Roksana also created employment opportunity for some poor people of the locality. 35-40 people are now employed in her factory.
Beneficiary: Rabeya Khatoon
[Microfinance program] A successful entrepreneur
"I never ever had dreamt of having an award like this one"- thus spoke Rabeya Khatoon of village Uttargaon of Kaliganj Upazila in Gazipur with the 'Best Small Entrepreneur of the year Award' in her hand and vented her feelings of gratitude. Rabeya was, of course, not supposed to think of winning an award. But it was like a dream come true. There was a time when Rabeya could not have two square meals a day; but now she has 25 employees working under her. As a role model of how to fight out poverty Rabeya Khatoon today won the 'Best Small Entrepreneur of the year Award 2005'
Micro- Finance Institution of the Year, Most Innovative Business of the Year, Best Woman Micro Entrepreneur of the Year and the Best Micro Entrepreneur of the Year, On November 21, 2005 Finance and Planning Minister M. Saifur Rahman gave away the 'Best Small Entrepreneur of the Year Award to Rabeya Khatoon among other prize winners at a function held at Hotel Sheraton participated by an elite group of people. It may be recalled that Rabeya Khatoon is a recipient of the micro-credit from the Padakhep.
Beneficiary: Selina Marak
[Microfinance program] A firmly determined and self-sustained woman
Selina Marak is a poor housewife of Seedstore Bazar of Bhaluka upazila of Mymensingh district. Selina along with her husband and two sons were in a vulnerable situation due to extreme poverty. Seeing no alternative way of income, she took training on tailoring and started tailoring business in her home in 1991 with only one sewing machine. However, this small income was not sufficient to meet the family expenses. It was however not possible to run the business properly since they did not have enough capital to buy new sewing machines. Selina and her husband Sadhin Sangma were continuously thinking of finding a way to increase income so that the family could survive. While passing the days in such a distressed condition, Selina came to know that Padakhep was providing credit support to the poor at their locality. Selina and her husband went to the Bhaluka branch office of Padakhep to know the details. They discussed their problems with the Community Manager and shown her interest to be a member of the samity. Padakhep visited Selina's business to access her eligibility for membership in the samity.
Finally, in 2001 she became a member of the Silvia samity. She started attending the samity meeting regularly and deposited savings as per rules and regulations of Padakhep. After few months, she took a loan of Tk. 5,000 with the dream to expand her business. She started a showroom of her readymade garments in Seedstore Bazar. She purchased new sewing machines with accessories and employs some workers using the loan money. Based on her satisfactory performance over one year, Selina was disbursed a 2nd installment loan of Tk. 8.000. Since 2001 to till date Selina took loan of Tk. 6,25,000 sequentially in different phases. Now Selina is running a factory at her home with 15 sewing machines operated by 16 workers. Her husband always extended assistance to help run the business smoothly. As the production of readymade garments increased, she with her husband started looking for marketing their products. Finally luck favoured and her dream came true. Good quality of her readymade garments and its huge demand in the local market gradually made the business more profitable. Selina, by dint of her creativity and hard work is now a solvent woman and is encouraging her neighbors to follow her footstep to alleviate their poverty. Selina, once who started her business with only Tk. 14,000, has been able to enhance her capital to the tune of Tk.22,00000. The value of the machineries and clothes are Tk.12,00000 and Tk.10,00000 respectively. Last year her net profit was Tk.6,00000. She bought 10 decimal land to expand her business. She also bought 40 decimal cultivable lands as a source of permanent income and built a building with 8 rooms. Now her elder son is a bachelor student (1st year, Honours) and the younger in studying in class IV. She hopes for their bright future.
Beneficiary: Abdul Hakim
[Microfinance program] A successful entrepreneur
Shologhar is a remote village of Sadar upazila, under Sunamgonj district. Md. Abdul Hakim (70), a landless day laborer, lives here with six daughters. His wife had passed away in 2009. His elder two daughters got married in nearby village, but unfortunately youngest daughter is mentally disabled. It was very difficult for him to manage a large household expense with his tiny income. The family struggled continuously with malnutrition and poverty. From 2010, Hakim suffered from ophthalmic diseases and was gradually losing his eye sight. This problem soon became acute making it increasingly difficult for him to do his daily work properly. At last Hakim left his work of day laborer and started begging to take care of the family. Finally, darkness slowly comes down to his life. The once strong Hakim had to depend on his children. But it was quite impossible for him to operate or make treatment. He began to think the misery of the family and the treatment of his eyes. He was losing all hopes.The ENRICH had just established its Healthcare Program along with Education, Community Development and Training Program in his village at that time through Padakhep Manabik Unnayan Kendra, a Partner Organization of PKSF. When ENRICH Health Volunteers started their door-to-door rounds in the area, they met Hakim. They collected detailed ophthalmic information on his condition. They gave him and his entire family a thorough check up, registered them, issued a health card and advised his daughters to take him to one of the weekly satellite clinics for free consultation and treatment as soon as possible. Hakim visited the next available satellite clinic under ENRICH. There, an MBBS Doctor gave him a thorough eye check-up.
They identified the distorted condition of his eye due to heavy cataract forming and health assistants short listed him for a special treatment at an eye camp. This was, for Hakim, a ray of hope. He met a specialist in ophthalmology at the eye camp. It was diagnosed that he had immature senile cataracts in both eyes for which he would require surgery in one eye as the other was completely damaged and was not recoverable. The eye camp made all the necessary arrangements and in no time, The doctor performed cataract operation in his one eye successfully. Hakim made a swift recovery. After the operation of his one eye, he can see everything. Soon after, Hakim went back to his daily life, elated that he could once again stand on his own two feet and not be a burden to his children. This operation emerges her life, from darkness to light. Hakim says, “my darkness is removed and now I find the way of life.”
Besides health care services, Hakim’s family receives other services at the same time from ENRICH including grant money from beggar rehabilitation program, afternoon tutoring services for his children, awareness raising about social issues, skill enhancing training for having better earning opportunities, sanitation service and so on. In order to create opportunities for those who want to quit begging and return to normal life, Hakim received a grant of BDT 1 lac under the program and left begging. With this grant he bought a milking cow worth Tk. 40,000 and two auto rickshaw at the cost of Tk. 40,000. He spent the rest Tk. 20,000 for the renovation of their house. Now he is earning around BDT 3000-4000 per month which is in fact increasing gradually. Up to March 2016, Hakim saved Tk. 4080 from the earnings of cow and rickshaws. He takes two bighas of cultivable land on lease basis utilizing his savings and cultivated boro rice as a source of permanent income. He is also rearing a goat with two calves from which he earned extra income.
Abdul Hakim is now not a beggar, ENRICH transforms him as the productive member of the society. With the improvement of his physical and financial/material state, Hakim now claims attention and respect in the neighborhood. He is now live with dignity. He has become an example of pride and inspiration for the villagers. His dream is to provide higher education to his grand children and hope it will also come true. Hakim looks forward to seeing the day that ENRICH will change the future of this village and his country by continuing helping others in need, others like him, and showing them that anything is possible.