FOR PRIVATE CIRCULATION ONLY

Volume-19

Communicate Minds
FORTNIGHTLY

15 August 2005

ADVISORS
Khirod Ch. Malick Pitabash Sethi Jogeswar Majhi Makardhawj Sahu Shiv Prasad Meher Aurobinda Mahapatra Pradeep Kumar Mohanty

BISW A Celebrated Independence Day 2005

The 59th Independence Day was celebrated at BISWA office with traditional gay & festivity; where in almost all staffs of the central office took active participation. Sri. K.C.Malick, Chairman, BISWA, pulled on the string to unfurl the tri-color in an august gathering at the roof top of the central office. Soon after it the national anthem was sung. Speaking to the occasion, he emphasised on importance of observing the pious day. He inspired the gathering in his attempt to induct nationality and feel proud of being an Indian. The Chairman was invited as the chief guest to Samaleswari College & Gopalmal U.G.M.E. School for flag hoisting on this occasion. Similarly flag hoisting programme was organized at various project sites of BISWA; Hatibari Health Home, Senpark, Sanitation office, Laxmipriya, Soap- Badi & Papad units are to name a few. Tri-colors were unfurled at all the 22 district offices of BISWA in a similar manner on that occasion. The tri-color hoisting ceremonies were simultaneously organized at all the 15 innovative schools, run by BISWA at various villages. *****************

In this Issue...
* Editorial * Independence * Induction Programme * Health camps reports * Other BISWA News

The Link
Chief-Editor Debabrata Malick Editor Guru Prasad Nahak

Contact :The Link BISWA At-Danipali P.o-Budharaja Dist-Sambalpur, PIN-768004 Tele fax- +91-663-2533597 FAX No.: +91-663-2402115
Email:biswamalick@rediffmail.com

kc_malick@yahoo.com www.biswa.org

15 AUGUST

A staff meeting was In the changing scenario the present catch word is organized by the Information is power, though earlier it was Knowledge establishment section of is power. So, when information is identified as so BISWA for all staffs at the central office in a powerful, then it should percolate to the down end to preparation to meet the make of management affective. Governing by this thumb visiting SIDBI officials. rule, BISWA has tried to literally observe it. Making the Besides the office staffs, best use of Independence Day, the Chairman organized field level staffs were also at an induction programme at the central office involving present in this meeting. The main objective of the meeting was to make all office staffs. At the outset, he emphasized on knowing aware all the staff on future plan of action of the organization. oneself. Then he explained how to understand the The meeting was presided over by the Chairman of BISWA. In his organisation with briefing its objectives. He also made speech he elaborately explained the present status and plan for the next five years of the organization. Briefing the staffs he explained the understood the vision and mission of the organisation present scenario of NGO sector and constrains faced by it and also before the staffs. Subsequently he discussed the system explained how our motto and objective is totally different from others. and procedure with explaining discipline of the existing We are always thinking for the sustainable development of the region. system. As it is imperative to maintain accounts and book Our main activity is microfinance. Besides this we are also doing lots of keeping, so he took a session on it further he explain activities for the total development of the people. about the heads of account in the central office as well He also appreciated the way staffs are doing their work at all levels and as the branch offices. To make the organisation more they also have a good coordination among themselves. Hard work with efficient and transparent, he emphasized on a custom vision & mission clarity will surely lead us in the right path and at the made management information system and its important. same time we will be a pioneer organization in the state within March06. The main thrust was how to make the organisation Speaking on the legal status of the organization, he explained we are sustainable and thus there was a session on going to segregate micro Finance and micro Enterprise activities very sustainability. soon with separate legal entity for each. We are also going to cover our micro-Finance operation for the entire state by the end of September05. As the micro-Finance activity is the first ladder of the development, so by doing it we go further for other activities. He also explained briefly BISWAs tie up with other National level financial institutions. Recently he had a meeting with ICICI Bank at Bhubaneswar and the discussion made there are as follows: The discussion was two-folded. 1. Becoming a nodal agency of ICICI Bank in micro-financing to other NGOs. 2. Becoming a nodal agency for micro insurance product of ICICI-Lombard. For the first one, the discussion was made as, BISWA will work as the funds manager for ICICI Bank and will lend money to small NGOs for microfinance activities of the SHGs. For the second, the insurance product of ICICI-Lombard interested to do through BISWA is as follows: i)The product is a health insurance. Ii) This product is a cashless product. iii) The non refundable insurance premium is Rs. 235/- per year. iv)This premium will insure the health of the insured person including two more members of his/her family. v) BISWA will identify 60 hospitals all over the state for the health check-up of the insured persons and the doctors fees and medicine will be provided by the same medical institution. It will get reimbursed the medical-claim from the insurance company. vi) The maximum benefit for one premium is up to Rs. 15000/- per year. vii) Pre-existing diseases will not be included in the scheme. viii) This product also covers maternity benefits. Vix) It also covers death insurance of Rs. 15000/Besides this, he also explained the partnership of both SIDBI & ICICI is going to strengthen BISWA mFI as an NBFC (Non-Banking Financial Company). He also announced gladly those two international rating agencies as MCRIL & CRISIL are coming to BISWA for its microfinance activity rating. Both the institutions are coming in the last week of August05. He also advised all to be prepared to face them and present their best performance. So that institution as a whole will come at least under B+ or B++ rating, which will help us to on-lend and handle at least Rs. 50 Cr. During the next financial year. Lastly he once again gave his heartily and warm wishes to all the staffs for their commitment and dedication towards the responsibility in delivering day-to-day activities of BISWAs development as a whole. And thus concluded the meeting session.

EDITORIAL

SIDBI OFFICIALS VISIT ED BISWA

INDUCTION PROGRAMME AT CENTRAL OFFICE

It was a pleasant surprise to participate in the Induction Programme at central office on the occasion of Independence Day. The pious day was best utilized in inducting the central office staff with making them aware of what they are working with. Sri K.C.Malick, Chairman, BISWA, conducted the programme, which ran in six sessions. He explained the staff in the 1st session about what they are under the caption Know your self. In the 2 nd session it was about Know your organization. In this session the details about the origin of BISWA & how it came to presence status were explained. The vision & mission of BISWA was also discussed in the session. The system and procedure was discussed in the 3rd session. In the 4th session the Chairman explained about the necessity of account and books keeping, where in he narrated how the heads of account in the headquarters as well as in the branch offices is to be maintained. The 5th session consisted the detail of management information system. He explained about the sustainability in the sixth and last session. He made it clear that the concept of grant based NGOs is no more functional. Each NGO has to find its ways and means to make itself sustainable. He mentioned about the new concept on NGO Business, which is prevalent Pakistan, Bangladesh, and Korea now. In such a way the Independence Day was made fruitful by inducting a work culture among the staffs in a palatable way.

Case Study

Name of the Group: BISWA SHG Pandupada Group No 2

This is the story of a member of a male group named BISWA SHG Pandupada, Group No 2. One of its members, Sri Tularam Ping, is working as a peon in the local high school. Besides working as a peon he is also identified as a marginal farmer. His salary was enough to maintain the family of four but there was hardly any money for saving at the end of the month. Tularam has an ambition for a better living as well as a saving for some rainy days, but the situation did not allow him to follows

TULARAM PING
his dreams. The total annual income never exceeded Rs. 12,000/- and to manage the deficit, he used to go for cash cropping such as vegetables in addition to paddy. In order to cultivate vegetable in winter he needed to irrigate the land adequately. But he had no pump set for it. He had to use buckets and tenda (a traditional irrigation device for lifting water from wells). To improve his farming conditions, he took a loan of Rs 2,000/- from the SHG. He

HEAL TH CAMPS REPOR T HEALTH REPORT

District: Sambalpur, Block: Maneswar Date Village Name No of Patients 06/08/05 Bolaranga 127 08/08/05 10/08/05/ 12/08/05 139 13/08/05 14/08/05 17/08/05 Matikhai Kankudipali Jhankerbahali 109 113

cultivated capsicum, a reknowned cash crop. In this venture he made a saving of Rs. 5,000/-, which was invested for further growth. Now he could afford to hire a pump set on rental basis and that year the yield was excellent. The yield fetched him a handsome profit of Rs. 8,000/-, this time. He took a wide decision and bought a pump set of his own. This year he is planning to add another 40 decimals of land to his existing farming of capsicum. Now he is happy farmers with being a member to a successful SHG, which has taken off the entire burden he felt on his shoulders.

Kundebahal Balibandha Mendlipali

117 537 245

15 AUGUST

Ticket

CLAIM SETTLED UNDER JBY

Gangadhar Muguri, a member of BISWA -SHG Stationpada Group No. 12 succumbed to normal death on dt. 22.01.2005. He was insured under the Janashree Bima Yojana, a group scheme of Life Insurance Corporation of India. His sister Narbada Muguri was the closest relative and the claimant of the insurance. The case was recently settled and the claimant received the insured amount of Rs 20,000/- on dt. 06.08.2005 vide a cheque.
To,

........................................................................................................

As the business development plan of BISWA clearly envisages formation and promotion of mutual benefit trusts (federations of SHGs) and establishment of an micro-Finance Institution (mFI) in the form of a NonBanking Financial Company (NBFC) having its own legal entity, it entered into an agreement with NiMble Systems Pvt. Ltd., New Delhi to hire professional guidance on: 1. Strategy Plan, 2. Business plan 3. Resource mobilization plan 4. Capital structure 5. Organization Structure and 6. System and Procedure for the NBFC. Mr. Ranjan Sinha, a senior management cadre of NiMble visited BISWA on a 7-days tour on feasibility analysis based on multi sectoral approach. This tour was a step in the direction of fulfilling the first stage of the agreement. During his visit, he interacted with some selected staffs of BISWA including all senior management officials. Some field staffs and also persons not directly involved in micro-finance and the Chairman intracted with Mr.Sinha in this connection.

Tele-fax- 0663-2533597(O)

Dist-Sambalpur

P.O-Budharaja

BISWA

The Link

Obituary:
NAROTTAM KARMI The unkind hands of fate snatched away one of our friends, Narottam Karmi on August 1st, 2005, from us. He was driving our tractor as an inmates in the farm at Hatibari Health Home on that fateful day, when this unwarranted accident took place. He would be ever remembered as a duty bound friend in our memories. Floral tribute was paid in his condolence meeting.

**********

PIN-768004

At-Danipali

.....................................................................PIN-........................................

....................................................................................................................

....................................................................................................................

...................................................................................................................

MR. R. SINHA OF NIMBLE VISITED BISWA

PRINTED MA TTER MATTER

Printed and Published by Debabrata Malick, Chief Editor. The Link, at BISWA Computer Section, Danipali, Sambalpur. PIN- 768150 Ph. No- 0663-2533597

B I S W A