TMSS in Bangladesh at A glace

TMSS at a Glance:

TMSS, formerly known as Thengamara Sabuj Sangha, was established as a Social Development Organization in 1964. From 1980 Prof. Dr. Hosne-Ara Begum reforms the organization as Thengamara Mohila Sabuj Sangha works for women and child development. Over the years TMSS has gradually evolved into a large and multifaceted development activities with the objectives of poverty alleviation of Empowerment of the women.

Geographical Identity:

Population Covered 1.9 Million Villages & Slams 12726 Upazilla (sub districts) 247 District 63 Water-body under Fisheries 400+ Acres Land Under Agriculture 650+ Acres Union covered 2007

Roots Level Organization Roots Level Organization Roots Level Organization

Roots Level Organization:

Village Organizations (Para Group)	22612
Village Development Committee (VDC)	54

Financial Support:

No. Groups	31000
Number of Branches	458(PKSF+Non PKSF)
No. of Total Credit Staff	3055
Credit beneficiaries families	958467
Loan Borrowers	463543
Total Savings Amount	Tk. 2109180944
Savings Balance	Tk. 761762313
Loan Disbursed	Tk. 1138084334
Loan Outstanding	Tk. 1798864334

Education:

TMSS Technical Institute (TTI)
TMSS Medical Training Institute (TMTI)
TMSS Medical Institute of Research & Technology
Pundra University of Science & Technology (PUST)
Ansar - Hosne Ara Degree College
Madrasha
Orphanage
Kinder Garten School

Job Creation:

Livestock	1721
Poultry	39200
Social Forestry	39165
Agriculture	58899
Horticulture	175
AgroForestry	925
Fisheries	1241
Handicraft Producers	7000
Small Traders	2250
Small Enterprises	16749
Api Culture	30
Others	2620

Human Resources:

Consultants(Full Time)	13
Legal Adviser	15
Resource Person	50
Community Veterinarians	28
Community Health Workers	149
Community Nutrition Organizer	218
Nutrition Women Workers	23551
Poultry Workers	390
Teachers(Non Formal)	63
Teachers(Formal)	53
Staff	4703
Volunteer	7000
Adolescent Voulnteer	138
Doctors (MBBS) Full time	15
Contract Staff Personnel	93
Community Nutrition Promoter	2141
Specialized Doctors (Part time)	08
Medical Assistant	48
Staff Nurse	20
X Ray Man	02
Pathologist	02
Paramedics	49
Health Worker	49
Clinical Assistant	49

Programme Infrastructure:

Branch Offices	458
Area Offices	65
Zonal Offices	17
Health Centers	31
Diagnostic Laboratories	01
Training & Resource Centers	01
Community Nutrition Centers	2141
Sub / Satellite Clinic	65
Community Hospital (RCH)	01
Formal School	01
Vocational Training Center	01
Non Formal Education Center	130
Libraries	02
Handicraft Production Ceters	4
Primary School	01
Head Office	01
Foundation Office	01

Programme Support Enterprises:

Poultry Farms	04
Poultry Hatcheries	01
Fish Hatcheries	01
Sericulture- Silk Reeling Centers	01
Nurseries	26
Rice Husking Mill	01

Commercial Projects:

Shops (UTPADON outlet)	09
Printing Press	01
Food Project	01
Rural Market	02
Women Market	01
Packaging Industry	01
Departmental Store	02
Seed Sector (R&D)	01
Pharmacy	01
Restaurant	03
Training Venue & Dormitory	06
Agriculture Farm	02
Business Service Center	02
Demontration Production Pond	109
Agricultural Field	300 Acre
Forest (TDS)	95 Acre
Export (Earning)	11
Sand Field	41.40 Acre

Historical Background:

Thengamara Mahila Sabuj Sangha (TMSS)  an NGO, has developed from a tiny beggars' organization to one of the largest women NGOs in Bangladesh. Its objective is to promote emancipation of the ill-fated and neglected women through removing their poverty, illiteracy, ignorance, and religious and social superstitions and prejudices. It was initially formed in 1964 by a group of beggar women led by Fatema Bewa and Jomela Bewa, two regular beggars of the village Thengamara in the district of Bogra. In addition to begging, Fatema Bewa used to render domestic services to Abdul Mazid, the local social welfare officer, who convinced her to give up begging. She organized the beggars of the locality and started to regularly save a 'handful of rice' out of what they begged from door to door. The saved rice was sold in the market and the sale proceeds were accumulated to make a common fund. To collect the savings the beggars formed several groups, each containing 10 to 20 of them. The members of these groups developed a practice of meeting together, when their husbands were away, to discuss their affairs. The news about their activities spread over the surrounding localities. Soon after the liberation of Bangladesh, 14 such women groups were formed in 6 villages.

Initially, the members of these groups used to deposit their collection with someone reliable and trustworthy. Soon they found a leader Professor Hosne-Ara Begum of Bogra Mahila College to organize them. A 21-member committee was formed for managing the organization consisting of 226 general members. They collected about 8 tons of rice.

Gradually, they registered their groups as a non-government organization devoted to the development of the poor and distressed women. Under the leadership of Professor Hosne-Ara Begum, it became one of the largest women NGOs in Bangladesh within a short period of time. At present, the size of its operational annual budget is Tk 1,224 million.

TMSS desires to be strongly values-driven. Belief in human potential, peace and harmony guide its activities. Respect for women and their participation at all levels of organizational decision-making shape its all activities. It practices participatory decision-making at all levels and maintains accountability with transparency. Non-patriarchal, secular and non-partisan behavior constitutes the basic principles of the organization.

TMSS opens itself to progressive thoughts and innovations and believes in self-sufficiency with environmental soundness. It is registered and affiliated with many organizations at home and abroad.

In 1999, TMSS worked in 342 unions of 88 upazilas in 17 districts. Its programme spread over 2,475 villages. The number of beneficiaries was 268,200 families in target group approach and 3,200,000 in community approach. There were 12 training centers. Its head office is at Bogra and its activities are managed through 18 area offices and 88 branch offices.

TMSS is involved in various activities such as training, empowerment of women, institution building, human resource development, environment development, human rights establishment, entrepreneurship development, education, health and family planning, gender relation and development, agriculture, fisheries and forestry, democratization for strengthening the poor and rural development. [M Wazed Ali]

Vision: Happy and prosperous Women in the Society

Mission: TMSS provides its best efforts in bringing the poor Womenfolk's life/living conditions at a dignified level in the family and society through their capacity building, optimum use of their own/available resources, participation in development activities and fulfillment of their legitimate rights.

Goal: Women empowerment.

 

Main Slogan: Let family be the center of women development

Objective: Prime objective of TMSS is to develop the present socio-economic conditions of the targeted beneficiaries through execution of their decision and using unutilized local resources of this area. The specific objectives are:

- Organization building with the targeted beneficiaries;

- Raising awareness and develop human resources;

- Remove illiteracy through education & training;

- Skill development and create employment;

- Local fund development by the beneficiary;

- Arrange necessary credit facilities’;

- Provide technical and financial support for income generating activities;

- Remove gender disparity;

- Improve health status for children & women;

- Identification & Utilization of Local Resources;

- Ensure development of Agriculture, Forestry, Livestock, Environment, and Sanitation;

- Increases GO, NGO co-ordination and cooperation;

- Disaster management & rehabilitation work;

- Conduct social/action Research;

- Capacity building of local partner, NGO's etc which are working for women empowerment;

- Promote participatory planning for beneficiaries;

- Ensure good governance.

Values of TMSS: Values of TMSS concentrates on the following facts:

1) Respect to women in all activities	8) Accountability
2) Gender equality.	9) Reciprocal respect and cooperation
3) Faith on human resource.	10) Innovation & readability
4) Self – reliance / Sustainability	11) Unity & harmony
5) Honesty and Justice.	12) Ecological balanced environment.
6) Peace and prosperity.	13) Practices of democracy in all spheres of life
7) Transparency everywhere.	14) Secularism.

TMSS Governance: TMSS is governed by its registered Constitution, framed out Policies, Rules & Regulations. Decisions of AGM and the working procedures of the Peoples’ Republic of Bangladesh Voluntary Social Welfare Agencies (Registration & Control) Ordinance of 1961 and Foreign Donation (Voluntary Activities) Regulation Ordinance of 1961. Apart from these, a 15 member Executive Committee (elected every after 3 years by direct voting of General Body Members & Regular Subscriber Members) ensures the proper governance of TMSS on behalf of the women members. The General Body Members are the Chairperson of the Village Organization of TMSS.

Commitments:

• Clients-members' satisfaction.

• Efficient, qualitative & effective services and product delivery.

• Reflection of organizational values in every step of the activities.

• Self-reliance of clients-members.

• Sustainability of TMSS.

• Healthy and congenial working field.

Legal Status (Registration Authorities)

TMSS is registered by the following govt. Departments / Directorates for carrying out different types of activities for socio-economic development of its beneficiaries:

1. TMSS is registered by the following govt. Departments / Directorates for carrying out different types of activities for socio-economic development of its beneficiaries:

1. Regn. 1494, dated 10.11.1964, Social Welfare Department (At present Social Service department);
2. Regn. 717/80/885 (106) Dated 8.9.1980, Women and Children Affairs Directorate;
3. Regn.- 5 Dated 16.10.1985, Health and Family Planning Directorate (Last renewed dated 11.09.04, No. 61/04);
4. Regn. DSS/FDO/R-241, Dated 05.10.1987, External Resource Division (At present Economic Relations Division) (Renewed Dated 05.10.2002).
5. Regn. DNC 0036, Dated 01/01/2005, Department of Narcotic’s Control

TMSS Management:

TMSS is a people's organization and it always strictly emphasizes on participatory and democratic approach for running organizational activities.

a) General Committee: General Committee is considered as the foundation of TMSS body. At present there are 1240 members in the general committee (all of them are women). Out of them about 2/3 are the beneficiary of this organization. The general committee elects the Executive Committee and meets once in every year. If necessary, it can hold special meeting on emergent matters as and when required.

b) Executive Committee:

TMSS Executive committee consists of 15 members and they are elected by the general committee in every 3-year. Mainly this committee is responsible for appointing the Executive Director and selecting the CA Farm for auditing TMSS financial position. The EC also contributes in formulating TMSS policies and provides consultancies and guidelines to run the organization. This committee consists of the following positions.

Sl. #	Name of Member's	Position	Main profession
01	Mrs. Mahmuda Begum	Chairperson	Social Worker & Ex. Teacher
02	Rtn. Prof. Mir Dilara Iqbal	Vice-Chairperson	Retired Associate Professor, Govt. Azizul Haque University College, Bogra.
03	Mrs. Minati Akter	Secretary	Social Worker & Life Member, Red Crescent Society, Bogra Unit.
04	Mrs. Shamima Begum	Assistant Secretary	Social Worker Ex. Member of Gokul Union Parishad, Bogra.
05	Mrs. Ayesha Hosen	Treasurer	Social Worker
06	Prof. Dr. Hosne-Ara Begum (by Designation)	Member-Secretary	Executive Director, TMSS, Bogra.
07	Rtn. PP Asia Akkas (Rani)	Member	P.P Rotary Club of Bogra Karotoa.
08	Prof. Nasima Akter (Joly)	"	Senior Project Coordinator The Hunger Project, Dhaka.
09	Mrs. Mira Begum	"	Member, Majhira Union Parishad, Bogra.
10	Mrs. Lutfunnesa	"	Social Worker & Chairperson of Palashbari Sromojibi Mohila Sakty.
11	Mrs. Amina Begum	"	Social Worker & Daughter of Late Fatema Bewa, Founder of TMSS.
12	Mrs. Aysha Begum	"	Teacher, Mohishbathan Girls' School
13	Mrs. Jharna Begum	"	Teacher, Khatemun Adarsha Shishu Niketon, Thengamara, Bogra.
14	Mrs. Shahida Begum	"	Social Worker.
15	Mrs. Afroza Begum	"	Social Worker.

Membership:

Aquaculture for Fish Development Forum (AFDF)

Association of Development Agencies in Bangladesh (ADAB)

Association for Land Reform and Development (ALRD)

Association for Women in Development (AWID)

Bangladesh Human Rights Commission (BHRC)

Bangladesh Nursery Owner`s Association

Bangladesh Salish Network, Dhaka

Bangladesh Shishu Adhikar Forum (BSAF)

Bangladesh Women Chamber of Business & Industries (BWCBI)

Bogra Metal Engineering Entrepreneurs Group (BMEEG)

Coalition of Environmental NGOs (CEN)

Coalition of Urban Poor (CUP)

Community Development Library (CDL)

Commonwealth Liaison Unit Bangladesh (CLU-B)

Coordinating Counsel of Human Right Bangladesh (CCHRB)

Credit and Development Forum (CDF)

District NGO Coordination Committee (DNCC)

Federation of NGO`s in Bangladesh (FNB)

Forum for Participatory Education and Development (FPED)

Forum for Regenerative Agriculture Movement (FORAM)

International Association for Volunteer Effort (IAVE)

Inter-fish Forum

International Water Association (IWA)

International Women Day Celebrating Committee (IWDCC)

Networking Collaboration:

ACCION

Agricultural Development Network (ADN)

Amnesty International

Asia Pacific Agroforestry Network (APAN)

Bangladesh Agriculture Research Council (BARC)

Bangladesh Agriculture Research Institute (BARI)

Bangladesh Water partnership (BWP)

Bogra Pawrasova/Municipality Bogra

CIRDAP Women Intervention Network (WIN)

GARNET (ICDDR-B)

Global Water Partnership (GWP)

International Service Center (ISC)

Pirgonj Pawrasova/Municipality, Rangpur

Rural Development Academy (RDA)

UN Commission for the Status of Women (CSW)

United Nation Information and Education Services (UNIES)

Women Tribune Center

World Wide Network (WWN)

Present Development Partners:

Asian Development Bank. (ADB)	Local Govt. Engineering Department (LGED)
Australian High Commission	Ministry of Women & Children’s Affairs
British Council & NICARE	Ministry of Health
Bangladesh Bank	Mennonite Central Committee (MCC)
Canadian High commission /CIDA	National Democratic Instituted (NDI)
CARE-Bangladesh	NNP
Department of Public Health & Engineering (DPHE)	Palli Karma-Sahayak Foundation (PKSF)
Department of Agriculture Extension (DAE)	Rotary International
Directorate of Women Affairs (DWA)	Royal Danish Embassy/DANIDA
Department of Family Welfare	Social Development Foundation (SDF)
Department of Forestry,	Seed Industries Development (SID)
Department of Fisheries	South Asia Partnership (SAP)
Department of Livestock (DLS)	Terre des Homes-Netherlands (TDH-NL)
FAO	UNICEF
European Commission	World Bank
German Technical Cooperation (GTZ), JOBS	World Fish Center (ICLARM)/ USAID
International Labour Organization (ILO)	Women Entrepreneurs’ Association (WEA)
IFAD	World Food Program (WFP)
Infrastructure Development Company Ltd. (IDCOL)	Unilever Bangladesh Limited
Japan Embassy	DFID
Jatiyo Mohila Sangstha (JMS)	German Embassy
JICA / JOCV	UNFPA
UNDP	DNFE

Socio-economic status of the beneficiaries:

Sl. No	Pertinent Information			Up To June'2002			Up To June'2003			Up To June'2004			Variations
1	Population in each family			3.95			3.90			3.93			0.03
2	Women member in a family			46.81%			48.99%			50.90%			1.91
3	Average Earning Members in a family			52.26%			57.09%			55.92%			(-) 1.17
4.	Women earning members in 100 family			82			83			85			2.00
5.	Attendance in Non-Formal Education per 100 family			17.44			18.29			18.81			0.52
6.	Attendance in Primary School per 100 family			40.69			42.40			38.30			(-) 4.1
7.	Attendance in High School per 100 family			21.41			20.68			19.82			(-) 0.86
8.	Attendance in College per 100 family			6.08			4.66			4.34			(-) 0.32
9.	Attendance in University per 100 family			0.32			0.24			0.26			0.02
10.	No. of Literate per family			1.68			1.72			1.99			0.27
11.	No. of room per 100 family			110			167			149			(-) 18
12.	No. of CI sheet shaded room per 100 family			82			139			141			02
13.	No. of Sanitary Latrine per 100 family			46.29%			55.20%			61.73%			6.53
14.	No. of Tube-well Water user			76.51%			86.44%			98.71%			12.27
15.	No. of Tube-well Water drinker			85.30%			98.44%			98.71%			0.27
16.	No. of Trees per family (including road side)			8.52			8.08			8.44			0.36
17.	No. of Ponds per 100 family			8.50			11.86			11.90			0.04
18.	No. of Cow per family			0.83			0.84			0.84			00
19.	No. of Goat per family			0.91			1.15			1.02			(-) 0.13
20.	No. of Poultry per family			6.48			6.55			6.69			0.14
21.	No. of Court Cases per 100 family (including Gram Adalot)			0.38			0.30			0.29			(-) 0.01
22.	No. of Polygamy per 100 family			2.69			0.63			0.52			(-) 0.11
23.	No. of Early marriage per 100 Couples			0.36			0.37			0.33			(-) 0.04
24.	No. of severe disease affected person per 100 family			2.35			0.34			0.31			(-) 0.03
25.	No. of Pregnant women per 100 family			2.74			3.43			3.62			0.19
26.		No. of Tube-well (TMSS Members)			258775				261537			268290
27.	No. of Arsenic tested tube-well			85015			253602			12066			Project End
28.			No. of Arsenic Contaminated tube-well			17033		123938			-
29.	Yearly income per family (US$-311)			18000			19700			22,800			3,100
30.	Average women per family			1.8			1.6			1.7			0.1
31.	Women Mobility in 100 family			112			118			124			6
32.	Women leaded Business/Trade of 100 family			82			83.07			84.0			0.3
33	Decision making by women in 100 family			86			87			92			0.5
34.	No. of violence against women in 100 family			5.3			5.1			4.8			0.3
35.	Infant mortality rate per 1000			62			58			54			4
36.	Maternal mortality rate per 1000			3.9			3.6			3.2			0.4
37.	Growth rate (population)			2.2			2.8			3.1			-0.3

TMSS Strategy

TMSS adopts the following strategies during project implementation:
• Identification of target beneficiaries;
• Preparation of beneficiaries' database record through benchmark survey;
• Beneficiaries' group development;
• Need assessment of beneficiaries;
• Beneficiaries' personal development through awareness or necessary training;
• Development of Package Service Delivery to clients/beneficiaries;
• In time, monitoring and evaluation;
• Demand driven support i.e. need based approach;
• Involve beneficiaries' participation for development initiatives;
• Focus on hard-core & ultra hard-core beneficiaries;
• Involvements the GO & P-NGO's;
• Involvements of concerned stakeholders;
• Promotion of behavioral changes;
• Gender sensitiveness;
• Capacity development of clients ‘beneficiaries and local management;
• Ensure quality and quantity;
• Control time lines;
• Maximum utilization of local resources;
• Guide the beneficiary so that they can help themselves;
• Involve low cost technology, but maximum output.

Clients / Beneficiaries

TMSS works with: -
A. Ultra Hard-Core Poor
B. Hard-Core Poor/Poorest
C. Poor
D. Progressive Member/Small & Medium Entrepreneur
E. Other Community People
F. Sister Organization
G. Partner Organization

A. Ultra-hard Core Poor:

1) Asset & homeless floating people
2) Aimless & ignorant
3) Untouched with any development venture &
4) Fooding & clothing mainly dependent on others

B. Hard Core Poor/Poorest:

1) Below 3 decimals of land
2) Sale physical labor having no other means of income
3) No savings
4) Unable to arrange meals three times in a day
5) Unable to purchase minimum clothing
6) Unable to spend money on education, non-food items etc.
7) Very weak asset-base / asset-less &
8) Earning is less than US$ 1per day per household and
food intake less than 1400 k.cal. per head per day.

C. Poor:

1) At best 50 decimals of land in households
2) Who is owner of below Tk. 25,000/- equivalent amount to US $ 441
3) Food intake is less than 1800 k.cal. Per head per day
4) Earning is about US $ 1 per day per household per earner
5) Less capable to spend on non-food items by own earnings
6) willing to invest for education and non-food accessories
7) willing to join in development initiatives and social services
8) Cooperative & kind hearted.

D. Progressive Members:

i) Who have been associated with development process for a considerable period and have improved their investment capacity for job creation and graduate member from micro-credit. Or

ii) Who have investment ability but unable to receive loan from bank and create working opportunities for the Hard Core Poor.

E. Other Community People

TMSS has been working to bring about the positive change to the ill fate of the helpless poor, hard core poor, marginalized farmer, beggars, sex-workers through education, providing need based life skill training, raising awareness in health and sanitation, environment and motivation for Para-agriculture etc. As a result, the socio-economic condition of the community people improves, friendly environment prevails in the society and thus the community people other than the TMSS –beneficiaries are benefited need base / to a great extent.

F. Sister Organization

TMSS organized a good number of sister organizations operated by independent management for achieving the goal and objectives in favor of TMSS.

G. Collaborating NGOs

TMSS has got as many as nos. of collaborating NGOs. At the time of crying need all the collaborating NGOs work jointly to tackle eminent situation. TMSS provides fund and technical assistance for their capacity building & to remove misery of the people at threat.

Organogram Of Thengamara Mohila Sabuj Sangha (TMSS)

Brief Description of TMSS: The MIX Market: GENERAL INSTITUTIONAL INFORMATION AND LEGAL DATA Name of MFI Thengamara Mohila Sabuj Sangha Region South Asia Established in (year) 1980 Current legal status Non-Profit (NGO) Regulated Yes Institution's Mission TMSS provides its best efforts in bringing the poor womenfolk's life/living conditions at a dignified level in the family and society through their capacity building, optimum use of their own/available resources, participation in development activities and fulfillment of their legitimate rights. Background and Main Challenges Women empowerment. Products - ·  Loans ·  Voluntary Savings ·  Training and Consulting Percentage of operations comprised by micro finance 81-90% Other services provided ·  Full-scale financial services ·  Business Development Services ·  Health ·  Education Main Funding Sources ·  Grants ·  Loans ·  Savings Largest funder Palli Karma Sahayak Foundation (PKSF) CONTACT INFORMATION Address: Rangpur road, Thengamara, Gokul, Bogra Bogra sadar Bogra 5800 Bangladesh Phone 880-51-73569 0175-039877 Fax 880-51-73563 Email tmss@bttb.net.bd tmssia@yahoo.com Website address www.tmss.bd.org NETWORK(S) Primary Network INAFI Secondary Network(s) - RATER(S)/EXTERNAL EVALUATOR(S) Primary Rater/External Evaluator CRISL Bangladesh - Dhaka - Dhaka - Bangladesh (P)  - (F)  - (E)  - (W) - - Secondary Rater(s)/External Evaluator(s) CRISL Bangladesh - Dhaka - Dhaka - Bangladesh (P)  - (F)  - (E)  - (W) - - DEVELOPMENT PROGRAM/SERVICE PROVIDER(S) Primary Development Program/Service Provider - Secondary Development Program/Service Provider(s) - LIST OF MIX MARKET FUNDS INVESTING IN THIS MFI Fund(s) - INVESTMENT OPPORTUNITIES Looking for ·  Loans in local currency ·  Capacity Building Grants ·  Donations Other - CONTACT PERSONS Contact Name Function Direct Phone Direct E-mail Additional Information Dr. Hosne-Ara Begum Executive Director 880-51-73569 tmss@bttb.net.bd   REFERENCES Name Company Function Country Mr Sajal Halder - AGM Bangladesh GENERAL DOCUMENTS no document available

OUTREACH & IMPACT
Disclosure	FY 2005	FY 2004	FY 2003	FY 2002	FY 2001	FY 2000
OUTREACH INDICATORS	30/06/06	30/06/05	30/06/04	30/06/03	30/06/02	30/06/01
Outreach Indicators
Number of Personnel	3,131	2,621	1,566	1,555	1,429	1,286
Loan
Number of Active Borrowers	436,121	372,374	256,904	232,957	178,025	144,425
Average Loan Balance per Borrower (US$)	67	66	60	55	52	47
Loans below US$300 (%)	n/a	92.00%	92.00%	96.00%	100.00%	100.00%
Woman Borrowers (%)	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Average Loan Balance per Borrower/ GNI per Capita (%)	n/a	14.14%	13.56%	13.70%	13.77%	12.35%
Saving
Number of Savers	493,010	0	0	0	0	0
Average Savings Balance per Saver (US$)	4	n/a	n/a	n/a	n/a	n/a
Average Savings Balance per Saver/ GNI per FINANCIAL INFORMATION IN US$ Disclosure FY 2005 FY 2004 FY 2003 FY 2002 FY 2001 FY 2000 30/06/06 30/06/05 30/06/04 30/06/03 30/06/02 30/06/01 Exchange Rate used for Conversion 69.752 BDT/USD 63.789 BDT/USD 58.85 BDT/USD 56.561 BDT/USD 55.494 BDT/USD 57.405 BDT/USD Balance Sheet Gross Loan Portfolio (in US$) 29,421,549 24,752,287 15,332,832 12,764,378 9,316,279 6,778,295 Total Assets (in US$) 38,986,865 33,151,059 22,693,936 18,548,204 12,870,727 12,268,365 Savings (in US$) 2,160,322 0 0 0 0 0 Total Equity (in US$) 8,077,235 6,992,611 6,081,403 4,712,252 3,297,187 2,804,634 Financing Structure Capital / Asset Ratio 20.72% 21.09% 26.80% 25.41% 25.62% 22.86% Debt / Equity Ratio 382.68% 374.09% 273.17% 293.62% 290.35% 337.43% Deposits to Loans 7.34% 0.00% 0.00% 0.00% 0.00% 0.00% Deposits to Total Assets 5.54% 0.00% 0.00% 0.00% 0.00% 0.00% Gross Loan Portfolio / Total Assets 75.47% 74.67% 67.56% 68.82% 72.38% 55.25% Overall Financial Performance Return on Assets (%) 2.51% 3.43% 7.33% 7.84% -0.22% n/a Return on Equity (%) 12.02% 14.64% 28.02% 30.75% -0.90% n/a Operational Self-Sufficiency (%) 115.74% 124.10% 157.03% 156.59% 98.76% 143.89% Revenues Financial Revenue Ratio (%) 18.46% 17.64% 20.19% 21.69% 17.36% n/a Profit Margin (%) 13.60% 19.42% 36.32% 36.14% -1.26% 30.50% Expenses Total Expense Ratio (%) 15.95% 14.22% 12.86% 13.85% 17.58% n/a Financial Expense Ratio (%) 2.73% 2.21% 2.62% 3.10% 3.37% n/a Loan Loss Provision Expense Ratio (%) 0.43% 0.43% 0.20% 0.37% 0.42% n/a Operating Expense Ratio (%) 12.78% 11.57% 10.04% 10.38% 13.78% n/a Efficiency Operating Expense / Loan Portfolio (%) 17.02% 16.12% 14.74% 14.77% 21.52% n/a Cost per Borrower 11.4 10.3 8.5 7.9 10.7 n/a Productivity Borrowers per Staff member 139 142 164 150 125 112 Savers per Staff member 157 0 0 0 0 0 Risk Portfolio at Risk > 30 days Ratio (%) 1.10% 0.94% 1.34% 1.70% 2.29% 3.15% Loan Loss Reserve Ratio (%) 1.95% 1.84% 2.37% 2.63% 3.03% 3.27% Risk Coverage Ratio (%) 176.94% 196.15% 176.41% 154.68% 132.55% 103.99% Write Off Ratio (%) 0.00% 0.00% 0.00% 0.00% 0.00% n/a Capita (%)	n/a	n/a	n/a	n/a	n/a	n/a
Depth of Outreach
Clients below poverty line (%)	n/a	98 %	96 %	96 %	100 %	100 %
Clients in bottom half of the population below the poverty line (%)	n/a	n/a	n/a	n/a	100 %	100 %
Clients in households earning less than US$1/day per household member (%)	n/a	98 %	92 %	96 %	100 %	100 %
Clients starting microenterprise for the first time (%)	n/a	4.00 %	4.00 %	4.00 %	0.00 %	0.00 %
Impact Studies
Impact Studies :	-	-	-	-	-	-

Targeting	as of 24/11/2004
Does the institution specifically target very poor clients (clients earning less than US$1/day or population in the bottom half living under the poverty line)?	Yes
Description (if Yes)	-
Does the institution use any targeting tools such as Means Test, Participatory Wealth Ranking, Housing Index, etc...?	Yes
Description (if Yes)	-

DISCLOSURE INFORMATION
	2006	2005	2004	2003	2002	2001
Audited financial statements	-	Yes	Yes	Yes	Yes	Yes
Audit Firm		M.A. Quader Kabir & Co.	M A Quader Kabir & Co.	Ernst & Young	M/s Fazlul Hoque & Co.	Ruhul Amin & Co.
Compliance with CGAP disclosure guidelines	-	Fully	Fully	Fully	Fully	Fully

© 2007 by The MIX Market (MIX MARKET™). All rights reserved.