1st ar pm nz january-december 2013

Empowerment and Livelihood Improvement

“Nuton Jibon” Project

IDA Credit No. 4757-BD

Process monitoring of “Nuton Jibon” Project

Contract Package No. S 15.00(ENJ)

Annual Report (January-December 2013)

Of

Process Monitoring Northern Zone

Submitted by

Center for Natural Resource Studies House # 13 (Floor 4 & 5) Road # 17, Block D Banani, Dhaka 1213 Bangladesh Telephone: +(880 2) 9886514 Fax: +(880 2) 9880928 Email: [email protected] web: www.cnrs.org.bd

In association with

MAXWELL STAMP LTD House no. 333 Road No. 113 Gulshan’ Dhaka 1212 Bangladesh Telephone: +(880 2) 9889139 Fax: +(880 2) 8834384 Email: [email protected]

January, 2013 Social Development Foundation

Z House, 6/6, Lalmatia, Block # F, Dhaka-1207, Bangladesh

Draft

mailto:[email protected]

Nuton Jibon – Process Monitoring, Northern Zone Annual Report (January-December 2013)

CNRS-Maxwell Association i

Table of Contents

GLOSSARY AND ACRONYMS .................................................................................................................. III

EXECUTIVE SUMMARY .................................................................................................................................. 5

1. INTRODUCTION ..................................................................................................................................... 6

2. IMPORTANT TASKS ACCOMPLISHED SINCE COMMENCEMENT............................................. 6

2.1 PREPARATORY ACTIVITIES .......................................................................................................................... 7 2. 2 DELIVERABLES ............................................................................................................................................ 7 2.3 OTHER ACTIVITIES PERFORMED.................................................................................................................. 7

3. ANALYSIS OF PROCESS MONITORING FINDINGS ......................................................................... 8

3.1 DISTRIBUTION OF ISSUES BY PROCESS MONITORING INDICATOR: ............................................................... 8 3.2 ANALYSIS OF ISSUES BY COVERAGE OF VILLAGES: ...................................................................................... 8 3.3 ANALYSIS OF ISSUES BY MANAGEMENT BODIES: ......................................................................................... 9

4. COVERAGE OF SAMPLE VILLAGES ................................................................................................. 9

4.1 OVERALL SCENARIO OF COVERAGE VILLAGES: .......................................................................................... 9 4.2 COVERAGE OF SAMPLE VILLAGES IN JAMALPUR REGION: ....................................................................... 10 4.3 COVERAGE OF SAMPLE VILLAGES IN RANGPUR REGION: ........................................................................ 11

5. ISSUES GENERATED, FOLLOW UP AND ACTION STATUS ......................................................... 12

5.1 OVERALL FOLLOW UP AND ACTION STATUS: ............................................................................................ 12 5.2 FOLLOW UP AND ACTION STATUS OF JAMALPUR REGION: ..................................................................... 13 5.3 FOLLOW UP AND ACTION STATUS OF RANGPUR REGION: ...................................................................... 14

6. FIXED VILLAGES: FINDINGS AND TRENDS ..................................................................................... 15

6.1 INTRODUCTION (BRIEF PROFILE) .............................................................................................................. 15 6.2 TRENDS OF FINDINGS ................................................................................................................................. 16 6.3 ANALYSIS ON OTR OF SWABOLOMBI RIN (SR), JAMALPUR REGION ....................................................... 16

6.3.1 Overall OTR scenario of Jamalpur Region ........................................................................................ 16 6.3.2 OTR analysis by villages of Jamalpur Region .................................................................................... 17

6.4 ANALYSIS ON OTR OF SWABOLOMBI RIN (SR), RANGPUR REGION ........................................................ 19 6.4.1 Overall OTR scenario of Rangpur Region ......................................................................................... 19 6.4.2 OTR analysis by villages, Rangpur Region ....................................................................................... 20

6.5 ANALYSIS OF SAVINGS, JAMALPUR REGION ............................................................................................. 22 6.5.1 Overall Savings Scenario of Jamalpur Region ................................................................................... 22 6.5.2 Savings analysis by villages of Jamalpur Region ............................................................................... 23

6.6 ANALYSIS OF SAVINGS, RANGPUR REGION .............................................................................................. 25 6.6.1 Overall Savings Scenario of Rangpur Region ................................................................................... 25 6.6.2 Savings analysis by villages, Rangpur Region .................................................................................. 26

6.7 ANALYSIS OF GS MEETING ATTENDANCE, JAMALPUR REGION .............................................................. 28 6.7.1 Overall Attendance Scenario of Jamalpur Region ............................................................................. 28 6.7.2 GS meeting attendance analysis by villages of Jamalpur Region ....................................................... 29

6.8 ANALYSIS OF GS MEETING ATTENDANCE OF RANGPUR REGION ........................................................... 31 6.8.1 Overall Attendance Scenario of Rangpur Region .............................................................................. 31 6.8.2 GS meeting attendance analysis by villages of Rangpur Region ....................................................... 31

7. LESSONS LEARNED .................................................................................................................................. 34

8. CONCLUSION .............................................................................................................................................. 37

ANNEX 1: LIST OF ALL ISSUES OF YEAR-1 (FEBRUARY-DECEMBER 2013) .................................. 38

ANNEX 2: SPECIFIC OBSERVATION ON ACTION STATUS OF PMA FINDINGS (FEBRUARY 2013 TO NOVEMBER 2013) ............................................................................................................................ 45


CNRS-Maxwell Association ii

ANNEX 3: SPECIFIC OBSERVATION ON OTR STATUS OF SWABLOMBI RIN IN FIXED VILLAGES ......................................................................................................................................................... 56

ANNEX 4: SPECIFIC OBSERVATION ON NJG MEMBERS USED TO SAVINGS IN FIXED VILLAGES ......................................................................................................................................................... 59

ANNEX 5: SPECIFIC OBSERVATION ON GS MEETING ATTENDANCE IN FIXED VILLAGES .............................................................................................................................................................................. 60


CNRS-Maxwell Association iii

Glossary and Acronyms

AMT Appraisal and Monitoring Team

CAP Community Action Plan

CISF Community Infrastructure Support Fund

CDD Community Driven Development

CF Community Facilitator (of SDF)

CIW Community Infrastructure Works

CNRS Center for Natural Resource Studies

COM Community Operational Manual

CTL Cluster Team Leader

EC Executive Committee

FC Finance Committee (sub-committee of village organization)

FRO Field Research Officer (of Process Monitoring Agency)

FY Fiscal Year

GAAP Governance & Accountability Action Plan

GC General Committee

GP Gram Parishad- general body of the village institution

GS Gram Samity- executive committee of village institution

HCP Hardcore Poor

IDA International Development Association

IDF Institution Development Fund

IGA Income Generating Activities

NJG 'Nuton Jibon Group’ - Thrift group comprised with hard core poor and poor

KII Key Informant Interview

ML Monitoring and Learning

MPD Monthly Process Diary

MSC Most Significant Changes

NGO Non government Organization

NR Natural Resource

PC Procurement Committee (sub-committee of village organization)

PM Process Monitoring


CNRS-Maxwell Association iv

PMA Process Monitoring Agency

RMF Result Monitoring Framework

SAC Social Audit Committee

SC Significant Change

SDF Social Development Foundation

SF Swabolmbi Fund

SIPP Social Investment Program Project

SSC Sanchay Sangrakshan Committee – Cluster committee of JG to look after the savings of group member

SL Sustainable Livelihoods

SLF Sustainable Livelihood Framework

SPC Sub Project Committee

SSC Sanchay Sangrakshan Committee

SSI Semi-Structured Interview

ToR Terms of Reference

VCO Village Credit Organization

VDF Village Development Fund

VDP Village Development Plan

VDRRF Village Development Risk Reduction Fund

WB World Bank


CNRS-Maxwell Association 5

Executive summary This is the Annual Report of Process Monitoring (Northern Zone) for the period of January to December 2013. The PMA was involved in a number of activities during the period. The main activity includes 1,347 visits (Jamalpur-635, Rangpur-712) to 1,022 villages (Jamalpur-463, Rangpur-559). Mentionable, monthly 67 villages are planned to visit in each region where 10 are fixed to visit in every month, 10 repetitions from previous months visit and 47 are chosen as new sample villages. PMA also attended a number of meetings in different tiers of SDF at national, regional, district, cluster and community level. During the period, CNRS has prepared and circulated 1 Inception Report, 1 Design Report, 1 Process Monitoring Guideline, 11 MPDs, 4 Quarterly Reports, 6 Workshop Minutes (held at HQ and Regional level), and 6 follow up reports on action status. In addition, PMA has been continually providing inputs to SDF in developing PM section of MIS (focusing issues generated and follow up status), revision of COM, presentation before the MTR team of the WB. The PMA has reported 106 major findings (Jamalpur Region-57, Rangpur Region-49) during the reported period i.e. January-December 2013. Majority of the issues are related with Governance (19.81%) followed by Livelihood Development and Institutionalization (12.27% each), Accountability (11.32%), capacity building (9.43), Cost-effectiveness and Inclusiveness (7.54% each), and Transparency (3.78%). Analyses in the context of occurrences in number of villages revealed that majority of the issues are related to observations in fewer/some villages (40%). A total of 37% issues are identified across the Nuton Jibon. It is important to note that 23% issues were found in significant number of villages. Analysis of the issues by management tiers (according to SDF management structure) exposed that the issues are concerned with the community (47%) followed by district/cluster (23%) and regional level (20%) and central management of the SDF (10%). Findings/issues generated by PMA are shared at all levels starting from community members, VO leaders/members, CF, CTL to District, Regional, to HQ levels. Formal sharing is done at HQ with key staff and in Quarterly Monitoring and Learning Workshop (QMLW) at Region with larger audience. In the reporting period formal decisions were taken on 93 issues (Jamalpur-51, Rangpur-42) and status has been checked. Of the total findings, it was found that 23 cases (25%) were resolved, 12 cases (13%) were mostly resolved, 31 cases (33%) were partially resolved, 10 cases (11%) are ongoing and 17 cases (18%), no action has been taken or not resolved. As decided, ten villages were selected as fixed sample village in each Jamalpur and Rangpur Region. These villages were selected according to selection criteria, in concurrence with Regions and HQ of SDF. In each month’s visit, a set of information was collected on on-going and/or completed activities. On the basis of collected information during the year, detail analysis is made on the information of three key areas like status of OTR of Swabolombi Rin (SR), savings behaviour of NJG members and Attendance of GS meeting. In all of the said three key areas/ indicators a declining trend has been observed between start and end line during the reporting period i.e. January to December 2013.



This report also presents some interesting lessons captured by PMA throughout the reporting period. All these lessons are simply important for all concerned stakeholders, SDF in particular.

1. Introduction

Social Development Foundation (SDF), an autonomous non-profit agency of Government of Bangladesh (GoB) has launched the Social Investment Program Project (SIPP) I in 2003 in the two poverty prone districts of Jamalpur and Gaibandha as a pilot CDD operation with the support from the International Development Association (IDA). Sequel to SIPP I and to scale up its achievements, SDF has undertaken a six-year Employment and Livelihood Improvement Nuton Jibon Project, popularly known as SIPP II (2010-2016). The project covers 3147 villages in 16 districts under 3 Regions viz. Rangpur (6 districts), Jamalpur (5 districts) and Barisal (5 districts).

Since inception in 2003 till December 2006 process monitoring of SIPP was performed by UK based firm ITAD in association with Center for Natural Resource Studies (CNRS), and afterwards CNRS in collaboration with Maxwell Stamp Ltd continued the monitoring assignment for another 3 years in the ‘restructured’ phase (July 2008 to June 2011). This third party independent process monitoring system was very useful and instrumental in ensuring accountability (mainly through learning lessons, identifying best practices vis-à-vis irregularities and corruption cases) as well as restructuring and reshaping the project approach and design (after MTR). Based on the positive experiences, SDF has decided to retain a Process Monitoring Agency (PMA) for Nuton Jibon project to independently determine how effectively the project is running and to identify ways to improve quality of implementation and processes. This is considered as an important mechanism that brings lessons from the field directly to project management, allowing for real-time response and correction of key challenges identified. Sequel to SIPP I, Center for Natural Resource Studies (CNRS), in association with Maxwell Stamp Limited have been working as PMA for Northern Zone (Rangpur and Jamalpur Region) of the project under Social Development Foundation (SDF) since signing of the agreement on 10 December 2012 under Contract Package No. S 15.00 (ENJ).

This is the first Annual Report of the Process Monitoring of Northern Zone, covering the period to December 2013 since inception. As outlined in the ToR, monitoring is conducted on monthly, quarterly and annually by the PMA, and monthly observations/report is the basis of all other periodic reports. Therefore, this Annual Report is prepared based on the 11 MPDs and 4 Quarterly reports submitted to SDF during the reporting period. The report describes, among others, the main activities undertaken/accomplished during the period by the PMA under 'Nuton Jibon', the analysis of findings including follow up status, trend analysis of some selected key indicators and learning.

2. Important Tasks Accomplished since Commencement

Center for Natural Resource Studies (CNRS), in association with Maxwell Stamp Limited have been working as PMA for Northern Zone (Rangpur and Jamalpur Region) of SIPP-II. Since commencement numbers of activities were accomplished by PM Northern Zone. This may be worthwhile to mention that CNRS has been offered both the packages of Process Monitoring of Nuton Jibon project. Hence, most of the preparatory and some other activities of both the zones were carried out jointly for effective and smooth implementation.



2.1 Preparatory Activities

i. Agreement Signing: Agreement between SDF and Process Monitoring Agency (PMA) signed on 5 Dec 2012 (under Package # S 15.0(ENJ)/2012/24). Center for Natural Resource Studies (CNRS) is the Consultant, while Maxwell Stamp Ltd is the sub-consultant of the assignment.

ii. Mobilization and Orientation/Training: All key staff members, as proposed, were mobilized in mid-December 2014 and Field personnel were recruited in January 2013. In addition to hands-on and informal orientation, a two-day long formal training was jointly organized by SDF and PMA in January 2013. The later was deployed to field by January. The Northern Zone (Jamalpur and Rangpur Region) PM team, it may be mentioned, comprises: Team Leader (1), National Coordinator (1) Regional Coordinator (2), Supervisor (3) and Field Research Officer (7). The Team leader and National coordinator is based at HO of CNRS, while others in two regions. In Jamalpur region, Regional Coordinator based at Region Office Jamalpur along with 2 Research Officers, while the Supervisor and 1 Field Research Officer at Mymensingh sub-office. Similarly in Rangpur region, Regional Coordinator based at Region Office Rangpur along with 1 supervisor and 2 Field Research Officers, while 1 Supervisor and 2 Research Officer at Gaibandha sub-office.

iii. Setting up of offices: PMA established all offices at all levels—Office at HQ (Dhaka) has been set up in CNRS HQs (Banani) and Field offices at Rangpur Region (Rangpur and Gaibandha), Jamalpur Region (Jamalpur, Mymensingh). Offices were equipped with necessary furniture and office equipment like motor cycles, camera, laptops including modem for internet etc. All these were accomplished within Jan-Feb 2013.

2. 2 Deliverables

Deliverables under the package broadly includes: 1. Process Monitoring Reports (Monthly, Quarterly and Annual) and 2. Other related/special reports. The PM Team prepared and submitted the following deliverables (including number):

Table-1: Deliverables of the reporting period (Jan-Dec 2013)

Sl No. Deliverables Target Achievement

01. Inception Report 01 01

02. Design Report 01 01

03. Process Monitoring Guideline 01 01

04. Training Report 01 01

05. Monthly Work plan-12 (including one for January 2014) 12 12

06. Monthly Process Diary(MPD)-11 11 11

07. Quarterly Report 04 04

08. Minutes of Quarterly Monitoring and Learning Workshops (Region level)

NA 04

09. Follow-up report on the decisions of workshop and others 04 04

10. Minutes of Sharing meeting with SDF National Team NA 02

11. Follow-up report on the decisions of sharing meeting 02 02

In all the cases of preparing and submitting the reports, PMA tried best to maintain schedule and quality.

2.3 Other Activities Performed



Table 2: Distribution of findings by PM indicators Indicators # %

Sustainability 11 10.38% Livelihood Development 13 12.27% Governance 21 19.81% Accountability 12 11.32% Institutionalization 13 12.27% Cost-effectiveness 8 7.54% Capacity building 10 9.43% Inclusiveness 8 7.54% Learning & Communication 4 5.66% Transparency 6 3.78%

Total 106 100

14%

47%6%

33%

Figure 1: Relevence of issues by extent of villages

Across the NutonJibon

In some villages

In single villages

Significant no. ofvillages

In addition, PMA is continually providing inputs to SDF in developing MIS of PM (focusing issues generated and follow up status). PMA also attended workshop on Revision of COM arranged by SDF at Dhaka and provided necessary inputs. A joint presentation of both the Zones of PM activities/findings was made to MTR of WB in the month of Sept 2013 where members of SDF and mission attended.

3. Analysis of Process Monitoring Findings The PMA has reported 106 major findings (Jamalpur Region-57, Rangpur Region-49) during the period of annual report (January-December 2013), analysis on the reported findings is presented below and details in Annex-01.

3.1 Distribution of issues by process monitoring indicator: Table 5 shows the distribution of the reported findings by process monitoring indicators. Though many of the findings are found very much relevant to a number of indicators,

however, the dominant indicators are considered for analysis, as judged by PM Team. The Table-2 shows that majority of the issues are related with Governance (19.81%) followed by Livelihood Development and Institutionalization (12.27% each); Accountability (11.32%); capacity building (9.43); Cost-effectiveness and Inclusiveness (7.54% each); Transparency at lowest with (3.78%). Governance issues are related with the different areas of implementation viz. embezzlement of fund, incorrect information generated in input form, financial anomalies in purchasing

office materials, holding key position both in SSC and VCO by violating COM. Sustainability and inclusiveness related issues are as irregular recovery of loan fund, fall of VO activities after graduation, exclusion of target people from project activities. Livelihood development, Accountability and Institutionalization related issues are as limiting livelihood activities within few traditional trades, improper functioning of CAP, and poor performance of different VOs.

3.2 Analysis of issues by coverage of villages: Issues are analysed in the context of occurrences in number of villages. Figure 1 reveals that majority of the issues are related to observations in fewer/some villages (40%). Issues like Irregularities in Community contribution collection process, Non-compliance of the steps in disbursement/operation of “Swabolombi Rin”, loan assessment committee is not working properly, Absence of recovery of overdue SF deterred the revolving process of SF, financial anomalies in purchasing



13%

23%

26%

38%

Figure 2: Relevence of issues by management bodies

Central Region District/Cluster Community

office and training materials, embezzlement of Swabolombi fund by GS and VCO key persons found under this category. A total of 37% issues are identified across the Nuton Jibon addressing the issues like livelihood options and trainings are limited to few activities, community assessment process (CAP) not functioned properly, incorrect information generated in input form, non-functioning of internal lending increased the trend of idle fund etc. It is important to note that 23% issues were found in significant number of villages. Issues like, poor utilization of youth skill development training loan fund, VO members are not conscious about the importance of meeting, NJGs are not active on collecting Swabolombi rin as the process is more VCO and CF dependent, training learning/experience not disseminated among NJG members fall under this category.

3.3 Analysis of issues by management bodies: Figure 2 shows the scenario on the analysis of the issues by management bodies. Majority of the issues are concerned with the community (47%) followed by district/cluster (23%) and

regional level (20%) and central management of the SDF (10%). Issues like fund release service standard not maintained, a good number of youths are being excluded from project benefit, Household List is not updated on a regular basis, participatory method of allocation of VDRRF to VOs was not followed are related with the central management of SDF. Issues like dissemination and follow up of the decision of Quarterly Monitoring and Learning Workshop is not effective, irregularities in

conducting Monitoring & Learning Workshop at cluster level and fall of village activities after graduating in second generation found related with the regional management of SDF. Issues like incorrect information generated in Input Form, Community Assessment Process (CAP) not functioned properly, a good number of indigenous people are excluded from Nuton Jibon project, and poor understandings of VO members on fundamental project issues are examples of issues related with district and cluster level bodies. Improper functioning of village level organizations, financial embezzlement, NJGs are not active on collecting Swabolombi rin, same person holding key position both in SSC and VCO are examples of issues related with community. It may be noted that differentiating between district, cluster and community level is a bit difficult as they are very much interlinked with each other.

4. Coverage of Sample Villages

4.1 Overall Scenario of Coverage villages: Presently, the Nuton Jibon has been working in 2553 villages (1133 in Jamalpur and 1420 in Rangpur region) of Northern Zone. PMA team is continuously visiting villages through random sampling; proportionately form all districts and batches. Monthly 67 villages are planned to visit in each region where 10 villages are fixed to intensively monitor the project progress, 10 repetition villages are chosen from previous months work plan to monitor the present status of previous findings and 47 villages are chosen as new sample villages. As per this estimate, PM Northern Zone team is to cover 1074 villages (Jamalpur-537, Rangpur-537)



Table-3: District and batch wise coverage of visited villages (Feb-Dec 2013) Jamalpur Region

Districts Batch-I Batch-III Batch-VII Batch-VIII Batch-IX Total

Jamalpur 129 29 13 171

Sirajgonj 14 20 23 3 60

Sherpur 43 41 84

Mymensingh 61 57 118

Sylhet 19 11 30

Total 129 43 33 146 112 463

by 11 months (February-December 2013). Against the projection of 1074, PM team has visited a total of 1022 villages (Jamalpur-463, Rangpur-559); the rate of achievement against the projection is 95% (Table-3 & 4). The important reasons behind shortfall include political disturbances throughout the year and engagement with some sudden events, which were not in plan. Mentionable, PMA made 1347 visits (Jamalpur-635, Rangpur-712) to 1022 villages (Jamalpur-463, Rangpur-559). Of the total existing villages (2553) of Northern Zone, 40% villages (1022) have been covered in the reporting period.

4.2 Coverage of Sample Villages in Jamalpur Region: As per the above mentioned sampling strategy, PM Jamalpur regional team is to cover 537 by 11 months (February-December 2013). Against the projection of 537, PM team has visited

a total of 463 villages; the rate of achievement against the projection is 86% (Table-3). Of the total visited villages, highest

37% (171) in Jamalpur District closely followed by Mymensingh 25%, Sherpur 18% (84), Sirajganj 13% (60), lowest in Sylhet 7% (30). Again, by batch, as high as 31% (146) villages from batch VIII, 28% (129) from Batch I, 24% (112) from Batch IX, 9% (43) from Batch III and lowest 7% (33) from Batch VII. Of the total existing villages (1133) of Jamalpur Region, 41% villages (463) have been covered in the reporting period.

As decided, PM team made one more visit to same villages, hence in 11 months (February-December 2013) PM Jamalpur regional team made total 635 visits to 463 villages. Of total 463 visited villages, 362 villages were visited single times, 81 villages were visited for two times, and 20 villages were visited for more than two times. Table-4 depicts the details of the times of visit by district and batch.

Table-4: Times of visits by district and Batch (Feb-Dec 2013) of Jamalpur region

District Visiting type Batch-I Batch-III Batch-VII Batch-VIII Batch-IX Total

Jamalpur

Single 92 25 12 - - 129

Two times 58 8 - - - 66

More than two times 6 - - - - 6

Fixed village 33 - 10 - - 43

Sirajgonj

Single - 11 15 18 3 47

Two times - 2 10 8 - 20

More than two times - - - - - 0

Fixed village - 7 - 9 - 16

Sherpur

Single - - - 34 38 72

Two times - - - 16 4 20

More than two times - - - 4 - 4

Fixed village - - - - 10 10

Mymensingh

Single - - - 50 43 93

Two times - - - 20 22 42

More than two times - - - - 3 3

Fixed village - - - 10 10 20

Sylhet

Single - - - 12 9 21

Two times - - - 12 4 16

More than two times - - - 7 - 7



Table-5: District and batch wise coverage of visited villages (Feb-Dec 2013) Rangpur Region District

Batch I Batch II Batch IV Batch VII Batch VIII Batch IX Total

Rangpur 0 0 23 33 27 24 107

Kurigram 0 0 10 8 11 14 43

Nilphamari 0 0 9 25 23 24 81

Dinajpur 0 0 10 12 19 16 57

Gaibandha 162 21 0 0 0 0 183

Naogaon 0 0 0 0 53 35 88

Total 162 21 52 78 133 113 559

District Visiting type Batch-I Batch-III Batch-VII Batch-VIII Batch-IX Total

Fixed village - - - - - -

Total

Single 92 36 27 114 93 362

Two times 58 10 10 56 30 164

More than two times 6 0 0 11 3 20

Fixed village 33 7 10 19 20 89

Grand Total 189 53 47 200 146 635

4.3 Coverage of Sample Villages in Rangpur Region:

As per the above mentioned sampling strategy, PM Rangpur regional team also is to cover 537 villages by 11 months (February-December 2013). Against the projection of 537, PM team has visited a total of 559 villages; the rate of achievement against the projection is 104% (Table-5). Some cases need based visit (out of work plan) also paid that produced higher achievement than target. Of the total visited villages, highest 33% (183) in Gaibandha District closely followed by Rangpur 19% (107), Naogaon 16% (88), Nilphamari 14% (81),

Dinajpur 10% (57) and lowest in Kurigram 8% (43). Again, by batch, as high as 29% (162) villages from batch I, 24% (133) from Batch VIII, 20%

(113) from Batch IX, 14% (78) from Batch VII, 9% (52) from Batch IV and lowest 4% (33) from Batch II. Of the total existing villages (1420) of Rangpur Region, 39% villages (559) have been covered in the reporting period.

As decided, PM team made one more visit to same villages, hence in 11 months (February-December 2013) PM Rangpur team made total 712 visits to 559 villages. Of total 559 visited villages, 472 villages were visited single times, 73 villages were visited for two times, and 14 villages were visited for more than two times. Table-6 depicts the details of the times of visit by district and batch.

Table-6: Times of visits by district and Batch (Feb-Dec 2013) of Rangpur Region

District Visiting type Batch-I Batch-II Batch-III Batch-VII Batch-VIII Batch-IX Total

Rangpur

Single - - 19 27 27 16 89

Two times - - 6 10 0 16 32

More than two times - - - - - - -

Fixed village - - 10

9

19

Kurigram

Single - - 8 6 11 12 37

Two times - - 4 2 0 2 8


Fixed village - - - 7 - 2 9

Nilphamari

Single - - 7 20 21 23 71

Two times - - 4 8 2 - 14


Fixed village - - - 2 6 6 14

Dinajpur Single - - 8 9 18 14 49



0

10

20

30

40

Resolved Mostly

Resolved

Partially

Resolved

Ongoing Not

Resolved

25%

13%

33%

11%18%

% o

f A

ctio

n o

f P

M F

in

din

gs

Figure-3: Action Status on PM Findings (Feb-Nov 2013) Northern Zone (Jamalpur & Rangpur Regions)

District Visiting type Batch-I Batch-II Batch-III Batch-VII Batch-VIII Batch-IX Total

Two times - - 4 4 0 4 12


Fixed village - - - 7 3 - 10

Gaibandha

Single 138 16 - - - - 154

Two times 44 8 - - - - 52

More than two times - - - - - - 0

Fixed village 19 10 - - - - 29

Naogaon

Single - - - - 42 30 72

Two times - - - - 20 8 28


Fixed village - - - - 10 3 13

Total

Single 138 16 42 62 119 95 472

Two times 44 8 18 24 22 30 146

More than two times 0 0 0 0 0 0 0

Fixed village 19 10 10 16 28 11 94

Grand Total 201 34 70 102 169 136 712

5. Issues Generated, Follow up and Action Status

5.1 Overall follow up and action status:

PM Team collects data from villages following a host of methods and tools (like One-to-one interview, Observation, reviewing VO/Nuton Jibon Group level documents, FGD, KII, Case Study, Most Significant Changes, Event, Time Analysis), and findings/issues generated are shared at all levels starting from VO leaders/members, CF, CTL to District, Regional, to HQ levels. Formal sharing is done at HQs with key staff and in Quarterly Monitoring and Learning Workshop (QMLW) at Region with larger audience where decisions are taken towards action on PMA findings. In the reporting period (Jan-Dec 2013), four Quarterly Monitoring and Learning Workshop (Two in each region) and two sharing meetings with SDF management (SDF-HQ level) were held. PMA volunteered in preparation of meeting proceedings and action plans. As a part of regular task PMA review the action status during their field visit and subsequently prepared report on action status.

In the reporting period formal decisions were taken on the issues raised in February to November 2013, hence the analysis is made based on said period. Action plan has prepared on 93 (Jamalpur-51, Rangpur-42) cases with formal decision and status has been checked. Of the total findings, it was found that 23 cases (25%) were resolved, 12 cases (13%) were mostly resolved, 31 cases (33%) were partially resolved, 10 cases (11%) are ongoing and 17



20%

10%

37%

15%

18%

Figure-4: Action status on PM findings (Feb-Nov 2013) Jamalpur region

Resolved Mostly Resolved Partially Resolved

Ongoing Not Resolved

cases (18%) no action taken or not resolved. Figure-3 depicts the situation clearly. Details of action status are in Annex-2.

PMA tried to track the execution trend of actions which as follows: Issues relates with misappropriation are resolved quickly. Resolved rate also found

quicker in the cases when a particular person found solely responsible. Action takes more time or prolonged in those cases where group of people are

responsible. Decisions relates with institutionalization of VOs, Capacity building of VO members,

ensure authenticity in VO documentation also takes more time to resolve.

Consideration: Issues resolved in 80% visited villages is consider as resolved

Issues resolved in 60% to 79% visited village is considered as mostly resolved

Issues resolved 20% to 59% visited village considered as partially resolved

Issues resolved below 20% is considered as not resolved

Action initiates on the issues like preparation of different guideline, create change in

project procedures, execution of management level decisions marked as ongoing.

The latest follow up vis-à-vis action (resolution) status can be seen in details in Annex 1.

5.2 Follow up and Action Status of Jamalpur Region:

In the reporting period (Jan-Dec 2013), two Quarterly Monitoring and Learning Workshop held in Jamalpur region. Besides this, two sharing meeting with SDF management (SDF-HQ level) were also held. In those meetings formal decisions were taken/action plan prepared

on total 51 PMA findings of Jamalpur Region (February to November 2013). The action status has been checked by PMA in regular basis and action report has prepared accordingly. Analysis on follow up status was made by categorizing the issues in five different sections (Resolved, Mostly resoled, Partially resolved, Ongoing, Not resolved). Of the total findings, it was found that 10 cases (20%) were resolved, 5 cases (10%) were mostly resolved, 19 cases (37%) were partially resolved, 8 cases (15%) are ongoing and 9 cases (18%) no action taken or not

resolved. Figure-4 depicts the situation clearly.

Category wise (Resolved, Mostly resoled, Partially resolved, Ongoing, Not resolved) examples of issues are given below:

Issues like irregularities in signing umbrella agreement, gaps in disbursement of vulnerable grant, committee formation, IGA training, numerous documentations etc. are the example of resolved issue.

Examples of mostly resolved issues are like irregularities in training, accomplishment of CISF-1 activity, recovery of Swabolombi Rin.



31%

17%28%

5%

19%

Figure-5: Action status on PM findings (Feb-

Nov 2013) Rangpur region

Resolved

Mostly Resolved

Partialy Resolved

Ongoing

Not Resolved

Issues such as; absence of secretary in SSC, irregular savings and depositions of key person and CP, trade selection for youth skill loan fund, function of SAC, irregularities in GP meeting, performance of PC, financial anomalies in purchasing GS office goods, fabricated information generation for input form, etc. are the example of partially resolved.

SDF team is still working for resolving some issues which are ongoing in the field, such as; purchasing of GS office land according to COM, dissemination of training learning/experience, non-compliance of the steps in Swabolombi Rin operation, absence of follow up in SAC report, accumulation of emergency fund, fund release standard etc.

Issues like alteration of savings from fortnightly to weekly, maintenance of implemented sub project, prioritization of trade, collection of community contribution, Swabolombi Rin recovery etc. are not resolved

5.3 Follow up and Action Status of Rangpur Region:

Like as Jamalpur, in the reporting period (Jan-Dec 2013), two Quarterly Monitoring and Learning Workshop held in Rangpur region. In those meeting formal decisions were taken/action plan prepared on total 42 PMA findings of (February to November 2013) Rangpur Region. The action status has been checked by PMA in regular basis. Of the total findings, it was found that 13 cases (31%) were resolved, 7 cases (17%) were mostly resolved, 12 cases (28%) were partially resolved, 2 cases (5%) are ongoing and 8 cases (19%) no action taken or not resolved. Figure-5 depicts the situation clearly.

Category wise (Resolved, Mostly resoled, Partially resolved, Ongoing, Not resolved) examples of issues are given below:

A good number of issues such as; dissimilarities in the documentation and bank deposition of VCO, holding executive position both in VO’s and NJCS, documenting OTR, updating Swabolombi rin recovery sheet, outsiders involvement in financial activities, reformation of VO’s, inclusiveness of the indigenous people, dissemination and follow-up of the QMLW decisions, occupational harmony in producer group, absence of CISF expenditure related documents, involvement of VO members spouse, issues regarding procurement procedure, maintenance of the implemented sub projects etc. have been resolved promptly by the SDF field staff soon after issues were raised by the PMA team.

Same persons are holding the key positions both in SSC and VCO by violating COM, Monitoring system at VO level is not functioning properly, Youths received training on computer, failed to be employed and Non-compliance of procurement procedures are the examples of mostly resolved issues.

Household List is not updated on a regular basis, Key positions are becoming irregular/defaulter in recovery of IL and SF and A good number of youths are being excluded from project benefit are the examples of partially resolved issues.



Action ongoing issues are Community assessment process (CAP) is not functioning properly and improper utilization of Swabolombi rin.

It is also observed that some of the issues were not resolved such as; utilization of

CISF (Others) centralized on Roads and Culverts, limited livelihood option and

training, OTR status of the 2nd generation villages, NJGs are not active on collecting

Swabolambirin, association with MFIs, exclusion of vulnerable people from project

support, poor functioning of youth groups, increasing trend of overdue and idle

fund in 2ndgeneration villages etc. were not addressed and yet not resolved which

deserve further attention of the SDF management.

6. Fixed Villages: Findings and Trends

6.1 Introduction (Brief Profile)

As decided, ten villages were selected as fixed sample village in each Jamalpur and Rangpur Region. These villages were selected according to set selection criteria, keeping Regions/SDF informed. Proportionate allocation of Batch and districts were also considered in selecting these villages. The main purpose of selecting these villages is to intensively monitor the project activities and see the trend of development of some key indicators.

Jamalpur Region PM Jamalpur Team, in consultation with SDF Regional Office, selected 10 fixed villages covering the maximum project Districts and the Batches. Of them 4 were from Jamalpur District (Kuzgor, Kazaikata, Baniapara villages are under batch I and Moja Ata village under batch II); 2 from Sirajganj District (Brammamgati of batch III and Dhukuria in batch VIII); 2 from Mymensingh District (Panch Kahonia of Batch IX and Khamarshingjani in batch VIII), 1 from Sherpur District (Purbo Kolospar uttar Para of Batch IX). More information of the fixed villages is given in Table-7.

Table-7: Details of 10 fixed sample villages of Jamalpur Region Name of village & # of cluster, batch

District Total Target HHs Total NJG member VDF/VDRRF

received status Poor HCP Total Poor HCP Youth Total

Baniapara (02), I Jamalpur 52 169 221 52 156 17 225 VDF 3rd

Kazaikata (08) I, Jamalpur 60 197 257 60 97 10 167 VDF 3rd

Moja Ata(10), II Jamalpur 39 142 181 39 149 12 200 VDF 3rd , FRF 2nd

Kuzgor(13), I Jamalpur 50 118 168 30 112 18 160 VDF 3rd

Brammamgati (01), III

Sirajgonj 86 141 227 64 119 09 184 IDF 2nd, SF 2nd, CISF 3rd

Naldair Purbo para( 16),VII

Jamalpur 63 109 172 40 85 15 140 IDF 2nd, SF 1st, CISF-1 1st, CISF-2 2nd

Dhukuria (05), VIII Sirajgonj 56 181 237 55 154 15 224 IDF 1st, SF 1st, CISF-1 1st

Khamarshingjani-2(01), VIII

Mymensingh

130 100 230 101 46 14 161 IDF 2nd, SF 2nd, CISF-1 2nd, CISF-2 1st

Panch Kahonia (05), IX

Mymensingh

76 199 275 47 119 10 176 IDF 1st, SF 1st

Purbo Kolospar uttar Para(03),IX

Sherpur 50 145 195 43 123 18 184 IDF 1st, SF 1st:, CISF-1 1st, CISF-2 1st

Rangpur Region Following the same process, PM Team also selected 10 fixed villages covering the entire project Districts and the batches of the Region. Of them, 3 were from Gaibandha District



92

78

72

7484

66

7570 71

60

7970

0

20

40

60

80

100

% O

F A

VE

RA

GE

OT

R

Figure-6: Monthly average OTR of ten fixed sample villages of Jamalpur Region (Jan-Dec 2013)

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

(Boro Durgapur-2 of batch II, Moddy Hat Bamuni and Purbo Ramjibon villages in batch I); 2 each from Nilphamari District (Abdoriapara of batch IX and Paschim Hindupara in batch VIII and from Rangpur District (Uttar Laxmipur of batch VII and Ramkrisnopur in batch IV); 1 each from Dinajpur District (Teroania batch VII), 1 village from Kurigram district (Laxmir Khamar in batch VII) and 1 from Naogaon district (Natshal in batch VIII). More information of the fixed villages is given in the table below.

Table-8: Details of 10 fixed sample villages of Rangpur Region Name of village & # of cluster, batch

District Total Target HHs Total NJG member VDF/VDRRF

received status Poor HCP Total Poor HCP Youth Total

Abdoriapara (04),IX Nilphamari 48 120 168 36 95 13 144 IDF 1st, SF 1st:

Paschim Hindupara(02),VIII

Nilphamari 64 129 193 54 115 22 191 IDF 3rd, SF 2nd, CISF 3rd(Office), CISF 3rd(Others)

Teroania(01),VII Dinajpur 44 119 163 35 95 12 142 IDF 3rd, SF 2nd, CISF 2nd(Others), CISF 3rd(Office)

Ramkrisnopur (01),IV

Rangpur 67 85 152 59 76 12 147 IDF 3rd, SF 2nd, CISF 3rd(Office), CISF 3rd(Others)

Uttar Laxmipur(04),VII

Rangpur 114 80 194 86 61 14 161 IDF 2nd, SF 2nd, CISF 2nd(Office), CISF 2nd(Others)

Laxmir Khamar(01),VII

Kurigram 41 186 227 32 166 16 214 IDF 2nd, SF 2nd, CISF 2nd(Office), CISF 2nd(Others)

Purbo Ramjibon (10), I

Gaibandha 198 141 339 141 140 12 293 VDF 3rd

Boro Durgapur-2 (03); II

Gaibandha 57 78 135 40 70 10 120 VDF 3rd, FRRF 2nd

Moddy Hat Bamuni (07), I

Gaibandha 147 57 204 118 47 13 178 VDF 3rd

Natshal (03), VIII Naogaon 76 135 211 52 100 11 163 IDF 1st, SF 1st, CISF (office) 1st

6.2 Trends of findings In each month’s visit, a set of information was collected on on-going and/or completed activities. On the basis of collected information during the year, analysis is made on the information of three key areas like OTR of Swabolombi Rin (SR), savings behaviour of NJG members and Attendance of GS meeting. The findings are presented below by area/village and by sleeted indicator including an aggregated picture.

6.3 Analysis on OTR of Swabolombi Rin (SR), Jamalpur Region

6.3.1 Overall OTR scenario of Jamalpur Region

Based on the data collected by month from the fixed villages in the Region, PMA team analysed the OTR status of 10 fixed villages in Jamalpur region from January, 2013 to December, 2013 by month by village as well as consolidated picture of all the villages (average OTR by month). It is observed from the linear trend



analysis of OTR in the villages that there is falling/negative trend at present. Notably in January 2013 average OTR of ten fixed villages was 92% and in most of the remaining months it was within the range of 70%-80% except three months (May 2013-84%, 66% in June 2013 and 60% in November 2013). Figure-6 depicts the situation clearly and more in Annex-3.

Mentionable that some villages started credit operation from the first month of monitoring (January 2013), some started a little late (after 2-3 months) and some started very late (after 7-8 months). The OTR is by and large satisfactory in the late starting villages, while poorer in the early starting ones (with few exceptions). The reasons mentioned by VO members for declining OTR of the villages were:

a. There are some internal conflicts in few villages which affected the recovery of

Swabolombi Rin.

b. VO members thought that they received the loan from government, and hence they

do not need to pay the installment.

c. VO members are becoming unwilling on voluntary work.

d. SDF staff told them that they will receive benefit such as remuneration or profit from

service charge. However, since there is no disbursement of service charge, they

become reluctant to pay installment. Commented by VO members.

e. Infertile use of SF.

f. Members of batch I villages have lost their faith on the organization due to

misappropriation of some key persons.

6.3.2 OTR analysis by villages of Jamalpur Region

Village wise trend of OTR of 10 fixed villages is presented below: 1. Khamarshingjani-2 Village (Batch-VIII, Cluster 01, Mymensingh): The recovery of Swabolombi Rin (SR) of Khamarshingjani-2 Village has started in March 2013. From the beginning to November 2013 the trend was consistent and satisfactory (100%). However, it fell sharply in December 2013 with 89%. A graphical illustration of OTR is given in Figure-7.

2. Pach Kahonia Village (Batch-IX, Cluster 05, Mymensingh): In Pack Kahonia village the recovery of SR has started from September 2013. Throughout the period, recovery rate of October 2013 found worst as 0%, while in rest months it was in range of 99% to 100%. A graphical illustration of OTR is given in Figure-8.

100 100 100 100 100 100 100 100 100

89

80

85

90

95

100

Mar Apr May Jun Jul Aug Sep Oct Nov Dec

% O

TR

Figure-7: Monthly OTR trend in Khamarshingjani-2 village (May-Dec) 100

0

99 100

0

20

40

60

80

100

Sep Oct Nov Dec

% o

f O

TR

Figure-8: Monthly OTR trend of Panch Kahonia village (Sept-Dec 2013)



3. Baniapara Village (Batch-I, Cluster-02, Jamalpur): Over the reporting period, the recovery rate of Bania para village was found unstable. In most of the months the recovery rate was below 60%, worst in with 0%. A graphical illustration given below (Figure-9):

4. Kazikata Village (Batch-I, Cluster-08, Jamalpur): The recovery rate of Kazaikata village was above 80% only in three months, while in rest of the period the trend of recovery was below 80%. A graphical illustration given below (Figure-10):

5. Moja Ata Village (Batch-I Cluster-10, Jamalpur): The recovery rate of Moja Ata village was found 0% for months together, though the rate in January and November 2013 was 100% (Figure-11).

6. Kuzgor Village (Batch-I, Cluster-13, Jamalpur):

Consistently the recovery rate of Kuzgor village has been running within the range of 80-100% up to October 2013 than declined. A graphical illustration is given below (Figure-12):

7. Naldair Purbopara Village (Batch-VII, Cluster-16 Jamalpur):

Up to November 2013 the OTR of Naldair purbopara village was found satisfactory, but it declined in December 2013. A graphical illustration is given below (Figure-13):

63

77 77

39

55

0

27

37 3529

47

75

0

20

40

60

80

100


% o

f O

TR

Figure-9: Monthly OTR trend in Baniapara village (Jan-Dec 2013)

100

92

41

7772 73

66

78 80

66 65

88

30

40

50

60

70

80

90

100


% o

f O

TR

Figure-10: Monthly OTR trend in Kazikata village (Jan-Dec 2013)

100

0 0 0

53

0

65

0 0 0

100

00

20

40

60

80

100

% o

f O

TR

Figure-11: Monthly OTR trend in Moja Ata village (Jan-Dec 2013)

89

9895

81

95100

95 94

8387

74

68

50

60

70

80

90

100


% o

f O

TR

Figure-12: Monthly OTR treand in Kuzgor village (Jan-Dec 2013)

100 100

9597

9592

88

95 9593

95

6860

70

80

90

100


% o

f O

TR

Figure-13: Monthly OTR trend in Naldair Purbopara village (Jan-Dec 2013)



93

9596

94

91

9394

90 90 90 90

86

80

82

84

86

88

90

92

94

96

98

Jan Feb Mar Apr May June Jul Aug Sept Oct Nov Dec

% o

f A

vera

ge O

TR

Figure-17: Monthly average OTR of ten fixed sample villages of Rangpur Region (Jan-Dec 2013)

8. Purba Kolospar Uttar Village (Batch-IX Cluster-03, Sherpur):

The SR recovery of Purbo Kolospar village starts from September 2013 and in first two months OTR was 100%, while later it declined gradually to 94% even at 89% in the consecutive months. A graphical illustration is given below (Figure-14):

9. Brammangathi Village (Batch-III, Cluster-01, Sirajganj): In January and February 2013, the OTR of Brammangathi village was 100% and then it started declining, ended with 39% in December 2013 (Figure-15).

10. Dhukuria Village (Batch-VIII, Cluster-05, Sirajganj):

In January and February 2013 the OTR of Dhukuria village registered as 100% and then began declining trend. Again from December 2013 it shoots up with increasing trend (Figure-16).

6.4 Analysis on OTR of Swabolombi Rin (SR), Rangpur Region

6.4.1 Overall OTR scenario of Rangpur Region

Like in Jamalpur, the PMA team analyzed the OTR status of 10 fixed villages in Rangpur region and that of average all villages together from January, 2013 to December, 2013. It is observed that OTR rate has increased steadily and satisfactorily during the 1st quarter. However, it started to decline from May 2013 (with OTR just above the 90%). Again, by the month of July, the rate reached close to 95% and then again started to decline in the month of August 2013 and remained almost static up to November 2012 keeping the

100 100

94

89

80

85

90

95

100

Sep Oct Nov Dec

% o

f O

TR

Figure-14: Monthly OTR trend in Purbo Koloshpar Uttar village (Sept-Dec 2013)

100 10095 96

100

65 67

78

40

62

50

39

30

40

50

60

70

80

90

100


% o

f O

TR

Figure-15: Monthly OTR trend in Brammongati village (Jan-Dec 2013)

100 10097

94

79

74

62 62

83

50

60

70

80

90

100

Apr May Jun Jul Aug Sep Oct Nov Dec

% o

f O

TR

Figure-16: Monthly OTR trend in Dhukuria village (Apr-Dec 2013)



OTR just below the 90%, and further deteriorated to below 86%, the ever lowest rate over the year. From the Figure-17, it is understood that, OTR rate is fluctuating and steadily dropping over the year, more in Annex-3.

The reasons for declining OTR, as commented by the VO and Staff members are as follows: OTR is declining in the month of July and August because these months are just

before the seasons of paddy collection. SF recovery decreased as the price of the potatoes went down. Most of the GS

members are the potato farmers. Before the months of appraisal, OTR is high. After the appraisal, it declines. The regular payment of installment sometimes becomes difficult for the poor and

hardcore poor. Many of them live on from hands to mouth. When a leader being defaulter or irregular in paying back installment then the other

members follow him/her’. Most of the cases, for SF collection majorly depend on CF. If CF misses any collection

date due to other preoccupations the OTR falls. Conflict in community level is another cause to decline OTR rate. There is a rumor in old villages that the SF money is Government money-and no

need to paying back. The members of old villages, which already received all funds from SDF and

graduated to 2nd generation, feel reluctant, and put less importance for recovery of SF.

Like in Jamalpur, here also some villages operated credit activities early from the first month of monitoring (January 2013), some started a little late (after 2-3 months) and some started/operated very late (after 7-8 months). The OTR is by and large satisfactory in the late starting villages, while poorer in the early starting ones (with few exceptions).

6.4.2 OTR analysis by villages, Rangpur Region

Village wise trend of OTR of 10 fixed villages of Rangpur Region is presented below: 1. Paschim Hindupara Village (Batch: VIII, Cluster: 02, Nilphamary): Throughout the reporting period (Jan-Dec 2013), the OTR of Swabolombi Rin (SR) of Paschim Hindupara village was found consistent and satisfactory (100%) except August and October 2013 (Figure-18). In these two months OTR fell, but it was satisfactory too (at 99%). A graphical illustration given below:

2. Adoriapara Village (Batch: IX, Cluster: 04, Nilphamary): The recovery of SR of Adoriapara village has started from October 2013. Form beginning to December 2013 the OTR was at highest level with 100%. A graphical illustration is given below (Figure-19).

100 100 100 100 100 10099

10099

100 100 100

90

92

94

96

98

100

% o

f O

TR

Figure-18: Monthly OTR trend of Paschim Hindupara village (Jan-Dec 2013)

100 100 100

80

85

90

95

100

Oct’13 Nov’13 Dec’13

% o

f O

TR

Figure-19: Monthly OTR trend of Adoriapara village (Oct-Dec 2013)



3. Teronia Village (Batch: VII, Cluster: 01, Dinajpur): From January 2013 to September 2013 OTR of Teronia village was as high as 100%. In October and November 2013 it was 97%, while again reached to 100% in December 2013. A graphical illustration is given below (Figure-20).

4. Uttar Laxmipur village (Batch: VII, Cluster: 04, Rangpur):

Over the reporting period the Uttar Laxmipur witnessed a fluctuating/uneven trend. From August 2013 it was mostly in declining trend. OTR of the reporting period starts with 94% (January 2013) and at the end of the reporting period it did slide down to 68% in December 2013 (Figure-21).

5. Laxmir Khamar Village (Batch: VII, Cluster: 01, Kurigram):

Over the reporting period except November 2013, OTR of Laxmir Khamar village was fluctuated within the range 83% to 99%. While, in November 2013 OTR was 75%. A graphical illustration given below (Figure-22):

6. Ramkrisnopur Village (Batch: IV, Cluster: 01, Rangpur): First four month (Jan-Apr 2013) of the reporting period OTR of Ramkrisnopur village was not in satisfactory level. However, from May 2013 the situation was improved and being continued constantly. A graphical illustration given below (Figure-23):

7. Purbo Ramjibon Village (Batch: I, Cluster: 10, Gaibandha): All troughs the reporting period the OTR of Purbo Ramjibon village was at satisfactory level. It was within the range of 95%-100% (Figure-24).

100 100 100 100 100 100 100 100 100

97 97

100

90

92

94

96

98

100

% O

F O

TR

Figure-20: Monthly OTR trend of Teronia village (Jan-Dec 2013)

9491

94 95

85

98

88

68

84

75 75

68

60

70

80

90

100

% O

F O

TR

Figure-21: Monthly OTR trend in Uttor Laxmipur village (Jan-Dec 2013)

99 99

94 9496 95 94

84 83 83

75

84

70

80

90

100

% o

f O

TR

Figure-22: Monthly OTR trend in Laxmir Khmar village (Jan-Dec 2013)

7772

83

69

95100 100

97100

88

95 95

60

70

80

90

100

% o

f O

TR

Figure-23: Monthly OTR trend in Ramkrisnopur village (Jan-Dec 2013)

100 100 100

97 97

100

9796

95

100

9596

90

92

94

96

98

100

% o

f O

TR

Figure-24: Monthly OTR trend in Purbo Ramjibon village (Jan-Dec 2013)



Figure 1

79 7975 76

7469

6360 61

56 55

46

40

50

60

70

80

90

100


% o

f N

JG M

em

be

rs

Figure- 28: Distribution of NJG members (average) of ten fixed sample villages of Jamalpur region used to

savings by months (Jan-Dec 2013)

8. Moddya Hat Bamunia Village (Batch: I, Cluster: 07, Gaibandha): In January 2013, OTR of Moddya Hat Bamunia village was 77%. However, it showed an increasing trend from February 2013 and uneven trend within the range of 79% to 100%. Again in September 2013, it followed a declining trend (Figure-25).

9. Boro Durgapur-2 Village (Batch: II, Cluster: 03, Gaibandha): The monthly OTR trend of Boro Durgapur-2 village was not consistent. First four month of the reporting period (Jan-Apr 2013) the OTR was within the range of 95% to 100%. However, it drastically fell in May 2013 (53%); an increasing trend shown from June 2013 but again fell in December 2013 (48%). A

graphical illustration is given below (Figure-26):

10. Natshal Village (Batch: VIII, Cluster: 03, Naogaon):

In Natshal village the recovery of SR has started from October 2013. From October 2013 to December 2013, OTR was consistently 100%. A graphical illustration is given below (Figure-27):

6.5 Analysis of Savings, Jamalpur Region

6.5.1 Overall Savings Scenario of Jamalpur Region

PMA team analyzed the savings status of 10 fixed villages in Jamalpur region. The analysis was made based on the status of the number of the NJG members who used to deposit savings. PMA accumulated information by month from ten villages for the period of January 2013 to December 2013. By analyzing the monthly average of ten villages, constantly a declining trend was exposed. In January 2013, average 79% NJG members were used to regular savings,

77

100 97 99 99

7987 87

6357

6166

50

60

70

80

90

100

% o

f O

TR

Figure-25: Monthly OTR trend in Moddya Hat Bamunia village (Jan-Dec 2013)

95 98 100 98

53

72

89 9095 96 97

4840

60

80

100

% o

f O

TR

Figure-26: Monthly OTR trend in Boro Durgapur-2 village (Jan-Dec 2013)

100 100 100

90

92

94

96

98

100

Oct’13 Nov’13 Dec’13

% o

f O

TR

Figure-27: Monthly OTR trend in Natshal village (Oct-Dec 2013)



which declined gradually and in December 2003 it was 46%. The graphical illustration (Figure-28) also presented the monthly trend of NJG members used to regular savings, more in Annex-4.

VO mmebers commented some reasons behind the declining trend which summarized as follows:

Some cases internal conflict makes the VO members reluctant on deposit savings

regularly.

VO members become averted due to late disbursement of funds, specially

“Swabolombi Fund”.

Gradually the VO members of Batch I villages becomes unenthusiastic on project

activities that has adverse effect on savings deposition.

Many VO members comment that, “we have been depositing savings from the

beginning but not received any benefit (except receiving loan) that makes some

people unwilling on savings deposition.”

6.5.2 Savings analysis by villages of Jamalpur Region

Village wise picture of NJG members used to savings in 10 fixed villages is presented in the below: 1. Khamarshingjani-2 Village (Batch-VIII, Cluster 01, Mymensingh): Except December 2013, throughout the reporting period percent of NJG members used to savings in Khamarshingjani-2 village was within the range of 81% to 90%. However, it fell to 74% in December 2013. A graphical illustration given below (Figure-29):

2. Pach Kahonia Villag (Batch-IX, Cluster 05, Mymensingh):

The percent of NJG members used to deposit savings in Pach Kahonia village has been fluctuating within 83% to 99%. A graphical illustration is given below (Figure-30):

3. Baniapara Village (Batch-I, Cluster-02, Jamalpur): Over the reporting period, status of NJG members used to savings in Bania para village found unstable. It was most unpleasant within the period of April-December 2013. A graphical illustration given below (Figure-31):

81 83 8590 90 90 89 89

85 8487

74

60

70

80

90

100


% o

f N

JG M

em

be

rs

Figure-29: Distribution of NJG members used to savings in Khamarshingjani-2 village by month

(Jan-Dec 2013)

99 9997

95

99

92

95

8987

83

8785

80

85

90

95

100


% o

f N

JG m

em

be

rs

Figure-30: Distribution of NJG members used to savings in Panch Kahonia village by month (Jan-

Dec 2013)

56

80

50

2331

815

815 18 16

7

0

50

100


% o

f N

JG m

em

be

r

Figure-31: Distribution of NJG mebers used to savings in Baniapara village by month (Jan-Dec

2013)



4. Kazikata Village (Batch-I, Cluster-08, Jamalpur): The percent of NJG members used to savings in Kazaikata village was disappointing. Only in January and July 2013 the rate was in above 70%, while in rest of the months it was in below 60%. The scenario of December 2013 found worst (34%). A graphical illustration given below (Figure-32):

5. Moja Ata Village (Batch-I Cluster-10, Jamalpur): Up to June 2013, the percent of NJG members used to savings in Moja Ata village was within 94% to 100%. However, in July 2013 it fell to 0% and being continued steadily. A graphical illustration given below (Figure-33):


Percent of NJG members used to savings in Kuzgor village has been fluctuating within the range of 71% to 95%. However, it fell in December 2013 (40%). A graphical illustration given below (Figure-34):


Throughout the reporting period (Jan-Dec 2013) the percent of NJG members used to savings found satisfactory in Naldair purbopara village. It has been fluctuating within the range of 80% to 92%. A graphical illustration given below (Figure-35):

8. Purba Kolospar Uttar Village (Batch-IX Cluster-03, Sherpur): Throughout the reporting period (Jan-Dec 2013), the percent of NJG members, used to savings was above 80% in Purbo Kolospar village. It was exception in November 2013 (79%). A graphical illustration given below (Figure-36):

76

58

48

60 5965

71

5865

5660

34

30

50

70

90


% o

f N

JG M

em

be

rs

Figure-32: Distribution of NJG members used to saving in Kaziakata village by month (Jan-Dec 2013)

100 100 10094 94 94

0 0 0 0 0 00

50

100


% o

f N

JG M

em

be

r

Figure-33: Distribution of NJG members used to savings in Moja Ata village by month (Jan-Dec 2013)

73 72 74

9587

7671

95

7885 85

4035

55

75

95


% o

f N

JG M

em

be

r

Figure-34: Distribution of NJG members used to savings in Kuzghor village by month (Jan-Dec 2013)

88 88 8890

8180

82 82

92 92

83

89

75

80

85

90

95


% o

f N

JG M

emb

ers

Figure-35: Distribution of NJG members used to savings in Naldair Purbopara village by month (Jan-

Dec 2013)

97

100

97

10098 98

96

93

96

92

79

83

75

80

85

90

95

100


% o

f N

JG M

em

be

rs

Figure-36: Distribution of NJG members used to savings in Purba Kolospar Uttar village by month (Jan-

Dec 2013)



80 80 82 82

76 76

71

66 66 67 6664

60

65

70

75

80

85

90

95

100

% o

f N

JG M

em

be

rs

Figure-39: Distribution of NJG members of ten fixed sample villages of Rangpur Region used to savings by

months (Jan-Dec 2013)

9. Brammangathi Village (Batch-III, Cluster-01, Sirajganj): In July-Sept 2013, percent of NJG members used to savings found 65%, 58% and 59% respectively in Brammangathi village. In Oct-Dec 2013 it was 20%, 18% and 17% respectively. However, in rest of the months it was within the range of 37% to 45% (Figure-37).

10. Dhukuria Village (Batch-VIII, Cluster-05, Sirajganj): Percent of NJG members used to saving has declined steadily in Dhukuria village. A graphical illustration given below (Figure-38):

6.6 Analysis of Savings, Rangpur Region

6.6.1 Overall Savings Scenario of Rangpur Region

Like as Jamalpur, PMA team analyzed the savings status of 10 fixed villages in Rangpur region. The analysis was made based on the number of the NJG members used to savings. PMA accumulated information by month from ten villages for the period of January 2013 to December 2013.

By analyzing the monthly average of ten villages, consistent declining trend was exposed. In January 2013 average 80% NJG members used to savings, which declined gradually and in December 2003 it did 64%. The graphical illustration also presented the monthly trend of NJG members’ savings (Figure-39), more in Annex-4.

VO mebers commented some reasons behind the declining trend which summarized as follows:

1. In most of the cases the current beneficiaries of the SF are accustomed with savings

deposition, rests are remaining inactive.

2. From the beginning the SDF staffs failed to uphold the necessity of savings accordin.

3. Internal conflict also another cause for declining savings rate.

4. In old villages many members becomes unenthusiastic on project activities that

effected on savings deposition.

43 40 3945

39 37

6558 59

20 18 1710

30

50

70


% o

f N

JG M

em

bers

Figure-37: Distribution of NJG members used to regular savings in Brammangathi village by month

(Jan-Dec 2013)

7570 68

72

60

4844

3033 31

3831

25

45

65

85


% o

f N

JG M

em

bers

Figure-38: Distribution of NJG members used to regular savings in Dhukuria village by month (Jan-

Dec 2013)



6.6.2 Savings analysis by villages, Rangpur Region

Village wise trend of OTR of 10 fixed villages is presented in the below: 1. Paschim Hindupara Village (Batch: VIII, Cluster: 02, Nilphamary): All through the reporting period (Jan-Dec 2013) the percentage of NJG members used to savings found satisfactory in Paschim Hindupara village. However, the rate has been fluctuating within the range of 84% to 94%. A graphical illustration given below (Figure-40):

2. Adoriapara Village (Batch: IX, Cluster: 04, Nilphamary):

In May 2013, percent of NJG members savings was 80% in Adoriapara village. It was 54% and 53% respectively in August 2013 and December 2013. In rest of the months it has been fluctuating within 59% to 78%. A graphical illustration given below (Figure-41):

3. Teronia Village (Batch: VII, Cluster: 01, Dinajpur):

Up to June 2013, above 80% NJG members of Teronia village used to regular savings. From July 2013 it began declined to below 80%, which did 71% in December 2013. A graphical illustration given below (Figure-42):


Status of NJG members’ savings was not static in Uttar Laxmipur village. It has been fluctuating within 50% to 100%. However, in dominating period it was in below 70%. A graphical illustration given below (Figure-43):

5. Laxmir Khamar Village (Batch: VII, Cluster: 01, Kurigram): Over the reporting period the picture of Laxmir Khamar village has been fluctuating within 59% to 77%. A graphical illustration given below (Figure-44):

9290

94 9492 92

9188 87 87 87

84

80

85

90

95

100

% o

f N

JG M

emb

ers

Figure-40: Distribution of NJG members used to savings in Paschim Hindupara village by month (Jan-Dec 2013)

72

7876 76

80

70 69

54

7471

59

53

50

60

70

80

90

100

% o

f N

JG M

em

bers

Figure-41: Distribution of NJG members used to savings in Adoriapara village by month (Jan-Dec 2013)

87 85 84 8581 82

75

80

74 73

6771

65

75

85

95

% o

f N

JG M

em

bers

Figure-42: Distribution of NJG members used to savings in Teronia village by month (Jan-Dec

2013)

6763

68

100

54

6259

50

58

95 94

69

50

60

70

80

90

100

% o

f N

JG M

em

be

rs

Figure-43: Distribution of NJG members used to saving in Uttor Laxmipur village by month (Jan-

Dec 2013)



6. Ramkrisnopur Village:

In Ramkrisnopor village (Batch: IV, Cluster: 01, Rangpur) the percent of NJG members savings was consistently poor (Mostly below 40%), ranging highest 41% and lowest 23%. A graphical illustration given below (Figure-45):

7. Purbo Ramjibon Village (Batch: I, Cluster: 10, Gaibandha):

The percent of NJG members, used to savings found satisfactory in Ramjibon village. Throughout the reporting period it was within the range of 85% to 99%. A graphical illustration given below (Figure-46):

8. Moddya Hat Bamunia Village (Batch: I, Cluster: 07, Gaibandha):

From January-March 2013, the percent of NJG members’ savings was 85%, 86% and 88% respectively in Moddya Hat Bamunia village. A declining trend has initiated from April 2013 and being continued. A graphical illustration given below (Figure-47):

9. Boro Durgapur-2 Village (Batch: II, Cluster: 03, Gaibandha):

Percent of NJG members used to regular savings found satisfactory in Boro Durgapur-2 village, which being fluctuated within 80% to 97%. A graphical illustration given below (Figure-48):

10. Natshal Village (Batch: VIII, Cluster: 03, Naogaon):

Percent of NJG members used to savings found satisfactory in Natshal village for January-June 2013. However, later it steadily fell to 45% (October 2013) and again fires to increase from November

7673 74

77 77

70 68 67

60

66

5963

556065707580859095

100

% o

f N

JG M

em

be

rs

Figure-44: Distribution of NJG members used to savings in Laxmir Khamar village by month (Jan-Dec

2013)

3741 41

2934 33 30 29 27

2331 34

20

40

60

80

100

% o

fNJG

Me

mb

ers

Figure-45: Distribution of NJG members used to savings in Ramkisnopur village by month (Jan-Dec

2013)

9899

97 9796

98

94

89

94

96

868585

90

95

100

% o

f N

JG M

em

bers

Figure-46: Distribution of NJG members used to savings in Purbo Ramjibon village by month (Jan-Dec

2013)

85 86 8880

71 67 66

55 51

3443 42

30

50

70

90

% o

f N

JG M

em

bers

Figure-47: Distribution of NJG members used to savings in Moddyo Hat Bamunia village by month

(Jan-Dec 2013)

9593

9795

9088

85

88

85

8182

8080

85

90

95

100

% o

f N

JG M

em

be

rs

Figure-48: Distribution of NJG members used to savings in Boro Durgapur-2 village by month (Jan-Dec

2013)



94 94 94

67

76

8486

8480

86

69

77

50

60

70

80

90

100


% o

f A

tte

nd

an

ce

Figure-50: Average GS meeting attendance in ten fixed villages of Jamalpur Region by month (Jan-Dec

2013)

2013. A graphical illustration given below (Figure-49):

6.7 Analysis of GS Meeting Attendance, Jamalpur Region

6.7.1 Overall Attendance Scenario of Jamalpur Region

PMA team gathered information on the meetings of different VOs of ten fixed villages by month for the period of January 2013 to December 2013. However, for this report especially GS meeting has chosen to analyze the meeting attendance rate. Based on the collected information, by month average attendance of ten villages has prepared, which exposed a fluctuating trend. It revealed that in first three month of the reporting period the attendance rate was above 90%. While, it fell in April 2013 (67%) and fired to increase from May 2013 and this trend was continued up to October 2013. Again in November 2013 it fell to 69% and climbed to 77% in December 2013. The graphical illustration (Figure-50) also presented the by month average attendance rate of ten fixed villages, more in Annex-5.

According to project strategy, GS should conduct at least one meeting in each month; however, in practical one more meeting may held. Hence, in case of one more meeting average attendance of all meetings of a village is considered as the attendance of the particular month. Nevertheless, in case of no meeting, average attendance is prepared based on the status of those villages where meetings are held.

PMA team identified some reasons which are responsible for low attendance of members in meeting:

a. Some members expected to get compensation for attending meeting. While absence

of compensation makes them reluctant on attending meeting.

b. Most of the cases, there are no practical meeting is performed. Only meeting

resolution is prepared to keeps the process up to date showing minimum attendance.

c. In some cases, the members participate in meeting but mistakenly not endorse their

attendance in meeting register.

d. In cultivation season, attendance rate is comparatively fewer than other season.

e. Noncooperation of family members is a barrier for the female members to participate

in meeting.

95 96100

91 8996

72

6052

4552

59

4550556065707580859095

100

% o

f N

JG M

em

bers

Figure-49: Distribution of NJG members used to regular savings in Natshal village by month (Jan-

Dec 2013)



6.7.2 GS meeting attendance analysis by villages of Jamalpur Region

Village wise picture of NJG members used to attend in GS meeting in 10 fixed villages is presented below: 1. Khamarshingjani-2 Village (Batch-VIII, Cluster 01, Mymensingh): Throughout the reporting period (Jan-Dec 2013) GS meeting attendance rate was constantly 100%. A graphical illustration given below (Figure-51):

2. Pach Kahonia Village (Batch-IX, Cluster 05, Mymensingh):

In April-July 2013, percent of GS meeting attendance was within the range of 83% to 97%. However, in rest of the months it was 100%. A graphical illustration is given below (Figure-52):

3. Baniapara Village (Batch-I, Cluster-02, Jamalpur):

From January-April 2013 the percent of GS meeting attendance was constantly above 80%. Attendance rate fell badly in June 2013 (56%), while it starts to increase from July 2013 and consistently continued up to November 2013. In December 2013 again decreasing trend was witnessed. A

graphical illustration given below (Figure-53):

4. Kazikata Village (Batch-I, Cluster-08, Jamalpur):

No meeting held in April 2013, May 2013 and in November 2013 percent of meeting attendance was 11%. In rest of the period the rate has been fluctuating within the range of 78% to 100%. A graphical illustration given below (Figure-54):

5. Moja Ata Village (Batch-I Cluster-10, Jamalpur): Except June 2013 attendance rate was consistently 67% for April 2013 to November 2013. In rest of the months (January, February and December 2013) it was 89%, 95% and 100% respectively. A graphical illustration given below (Figure-55):

100 100 100 100 100 100 100 100 100 100 100

50

60

70

80

90

100

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

% o

f A

tte

da

nce

Figure-51: GS meeting attendance in Khamarshingjani-2 by month (Jan-Dec 2013)

100 100 100

8389 89

97 100 100 100 100 100

0

20

40

60

80

100


% o

f A

tten

da

nce

Figure-52: GS meeting attendance in Panch Kahonia village by month (Jan-Dec 2013)

8589 89 89

56

67 67

89 89

100

78

30

50

70

90

Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

% o

f A

tten

da

nce

Figure-53: GS meeting attendance in Baniapara village by month (Jan-Dec 2013)

100 100 100

0 0

8978

89 8978

11

89

0

20

40

60

80

100


% o

f A

tten

da

nce

Figure-54: GS meeting attendance in Kaziakata village by month (Jan-Dec 2013)




Of the reporting period (Jan-Dec 2013) no meeting held in April 2013 and November 2013. In rest of the months the percent of attendance was consistently above 80%, except December 2013 (78%). A graphical illustration given below (Figure-56):


Other than April and September 2013 (attendance 67% and 44% respectively) percent of GS meeting attendance has been fluctuating within the range of 78% to 100% throughout the reporting period (Jan-Dec 2013). A graphical illustration given below (Figure-57):

8. Purba Kolospar Uttar Village (Batch-IX Cluster-03, Sherpur):

In February 2013 and June 2013 percent of meeting attendance was respectively 100% and 94%. However, in rest of the reporting periods (Jan-Dec 2013) the attendance rate has been fluctuating within the range of 71% to 87%. A graphical illustration given below (Figure-58):

9. Brammangathi Village (Batch-III, Cluster-01, Sirajganj):

In January 2013 and February 2013 percent of GS meeting attendance was 100% and 94% respectively. In March 2013 it was 89% and consistently continued up to July 2013. In rests of the months of reporting period (Jan-Dec 2013) no meeting held in October and December 2013, while percent of attendance was 67%, 72% and 78% respectively in August, September and November 2013. A graphical illustration given below (Figure-59):

89

95

67 67

56

67 67 67 67 67

100

50

60

70

80

90

100


% o

f A

tten

da

nce

Figure-55: GS meeting attendance in Moja

Ata village by month (Jan-Dec 2013)

89 89 89

0

89 8995

10089 89

0

78

0

20

40

60

80

100


% o

f A

tten

da

nce

Figure-56: GS meeting attendance in Kuzghor village by month (Jan-Dec 2013)

78 78

89

78

67

89

100

89

44

84

100

89

40

50

60

70

80

90

100


% o

f A

tten

da

nce

Figure-57: GS meeting attendance in Naldair Purbopara village by month (Jan-Dec 2013)

83

100

87

78 78

94

81

71 72

78 78

83

60

65

70

75

80

85

90

95

100


% o

f A

tten

dan

ce

Figure-58: GS meeting attendance in Purba Kolospar Uttar village by month (Jan-Dec

2013)

10094

89 89 89 89 89

6772

0

78

00

20

40

60

80

100


% o

f A

tten

dan

ce

Figure-59: GS meeting attendance in Brammangathi village by months (Jan-Dec

2013)



96 96 9698 97

96

92

96

89

92

87

91

80

85

90

95

100

% o

f A

tte

nd

an

ce

Figure-61: Average GS meeting attendence rate in ten fixed villages of Rangpur region by month (Jan-Dec

2013)

10. Dhukuria Village (Batch-VIII, Cluster-05, Sirajganj): In first quarter of the reporting period (Jan-Dec 2013) percent of GS meeting attendance was consistently 100%. In April it fell to 89% and continued up to August 2013. In September-December 2013 it has been fluctuating within the range of 56% to 89%. A graphical illustration given below (Figure-60):

6.8 Analysis of GS Meeting Attendance of Rangpur Region

6.8.1 Overall Attendance Scenario of Rangpur Region

Like as Jamalpur region, PMA team gathered information on the meetings of different VOs of ten fixed villages by month for the period of January 2013 to December 2013 in Rangpur region. However, for this report especially GS meeting has chosen to analyze the meeting attendance rate of GS members. Based on the collected information, by month average attendance of ten villages has prepared, which exposed a satisfactory fluctuating trend. It is observed that during the 1st quarter of the year average meeting attendance remains static keeping the average attendance in 96%. In April 2013 the attendance rate reached to the peak (98%). Again, after the month of April, it started to decline steadily until the month of July 2013. However, attendance rate bounced back to 96% during the month of August 2013 as like the first quarter. After the month of August 2013, the attendance rate has been fluctuating within 89% to 91%. The graphical illustration (Figure-61) also presented the by month average attendance rate of ten fixed villages, more in Annex-5. Like as Jamalpur one more meeting of a particular village as well incident of no meeting also considered in the analysis. In case of one more meeting average attendance of all meetings of a village is considered as the attendance of the particular month. Nevertheless, in case of no meeting, average attendance is prepared based on the status of those villages where meetings are held.

6.8.2 GS meeting attendance analysis by villages of Rangpur Region

Village wise picture of NJG members used to attend in GS meeting in 10 fixed villages is presented below: 1. Paschim Hindupara Village (Batch: VIII, Cluster: 02, Nilphamary):

All through the reporting period (Jan-Dec 2013) the percent of GS meeting

100 100 100

89 89 89 89 89

78

89

56

78

50

60

70

80

90

100


% o

f A

tten

dan

ce

Figure-60: GS meeting attendance rate in Dhukuria village by month (Jan-Dec 2013)



attendance was consistently 100% in Paschim Hindupara village. A graphical illustration given below (Figure-62):

2. Adoriapara Village (Batch: IX, Cluster: 04, Nilphamary):

January 2013 to August 2013 percent of GS meeting attendance was consistently 100%. However, in September 2013 it fell to 89% and consistently continued up to December 2013. A graphical illustration given below (Figure-63):

3. Teronia Village (Batch: VII, Cluster: 01, Dinajpur):

From January 2013 to May 2013, percent of meeting attendance was consistently 100%. It began fell in June 2013 (89%) and continued steadily to July 2012. Again it rose to peak in August 20013. From August 2013 to December 2013 the rate has been fluctuating within the range of 89% to 100% (Figure-64):


In February, July and November 2013 percent of meeting attendance was respectively 78%, 78% and 67% in Uttar Laxmipur village. However in rest of the months of the reporting period (Jan-Dec 2013) it was 100%. A graphical illustration given below (Figure-65):

5. Laxmir Khamar Village (Batch: VII, Cluster: 01, Kurigram):

Throughout the reporting period (Jan-Dec 2013) the percent of meeting attendance was not consistent. It has been fluctuating within the range of 78% to 100%. A graphical illustration given below (Figure-66):

100 100 100 100 100 100 100 100 100 100 100 100

90

92

94

96

98

100

% o

f A

tten

den

ce

Figure-62: GS meeting attendence rate in Paschim Hindupara village by month (Jan-

Dec 2013)

100 100 100 100 100 100 100 100

89 89 89 89

80

85

90

95

100

% o

f A

tte

nd

en

ce

Figure-63: GS meeting attendence rate in Adoriapara village by month (Jan-Dec 2013)

100 100 100 100 100

89

78

100

89

100

89

100

70

75

80

85

90

95

100

%o

f A

tten

dan

ce

Figure-64: GS meeting attendence rate inTeronia village by month (Jan-Dec 2013)

100

78

100 100 100 100

78

100 100 100

67

100

60

70

80

90

100

%o

f A

tte

nd

an

ce

Figure-65: GS meeting attendence rate in Uttor Laxmipur village by month (Jan-Dec

2013)



6. Ramkrisnopur Village (Batch: IV, Cluster: 01, Rangpur):

Except February 2013 (Attendance 100%), throughout the reporting period (Jan-Dec 2013), percent of GS meeting attendance was constant on 77% or 78%. A graphical illustration given below (Figure-67):

7. Purbo Ramjibon Village (Batch: I, Cluster: 10, Gaibandha):

Except July 2013 (Attendance 100%), throughout the reporting period (Jan-Dec 2013) percent of GS meeting attendance was consistently 100%. A graphical illustration given below (Figure-68):

8. Moddya Hat Bamunia Village (Batch: I, Cluster: 07, Gaibandha): In most of the months of reporting period (Jan-Dec 2013) percent of GS meeting attendance was consistently 100%. However in rest of the months it was constantly 89%. A graphical illustration given below (Figure-69):

9. Boro Durgapur-2 Village (Batch: II, Cluster: 03, Gaibandha): In January 2013 percent of GS meeting was 89%, which increased steadily and reached to peak in April 2013 and remained constant up to August 2013. It fell to 67% in September 2013, again began to increase from October 2013. A graphical illustration given below (Figure-70):

10. Natshal Village (Batch: VIII, Cluster: 03, Naogaon): From January to July 2013 percent of GS meeting attendance was consistently 100% and began to fell in August 2013

89 89

100 100

89 89

100

89 89 89

78 78

70

75

80

85

90

95

100

% o

f A

tten

dan

ce

Figure-66: GS meeting attendence rate in Laxmir Khamar village by month (Jan-Dec 2013)

78

100

77 77 78 77 77 77 78 77 77 78

70

75

80

85

90

95

100

% o

f A

tte

nd

an

ce

Figure-67: GS meeting attendence rate in Ramkisnopur village by month (Jan-Dec 2013)

100 100 100 100 100 100

89

100 100 100 100 100

80

82

84

86

88

90

92

94

96

98

100

% o

f A

tten

dan

ce

Figure-68: GS meeting attendence rate in Purbo Ramjibon village by month (Jan-Dec 2013)

100 100

89

100 100 100 100 100

89 89

100 100

80

85

90

95

100

%o

f A

tten

dan

ce

Figure-69: GS meeting attendence rate in Moddya Hat Bamunia village by month (Jan-Dec 2013)

89 8993

100 100 100 100 100

67

78

89

78

60

70

80

90

100

% o

f A

tte

nd

an

ce

Figure-70: GS meeting attendence rate in Borodurgapur-2 village by month (Jan-Dec 2013)



(Attendance 89%). The rate has been fluctuating within the range of 78% to 100% in August 2013 to December 2013. A graphical illustration given below (Figure-71):

7. Lessons Learnt PM Team has been capturing, documenting and sharing lessons of the project in a regular basis. Throughout the reporting period i.e. January to December 2013, following lessons are being learnt.

Lesson Learnt Practice of existing project cycle and fixing/ imposing the target in Nuton Jibon project influence the field staffs becoming implementers rather than facilitators, and ultimately impede institutionalization process.

Detail Insufficient time allocation for the ground level staff against assigned tasks, topped by shouldering additional responsibilities (e.g. dropout/turn over of staff or ad-hoc but priority unscheduled tasks), in most cases compelled them to become an implementers rather than a facilitators. This phenomenon generally leads to continued dependency of VO members on respective field staff and finally slows down the institutionalization process.

Action/Mitigation Initiatives are required from SDF management on multiple fronts, such as, rational for allocating the tasks, retaining staff, training on time management and gradual transfer of responsibilities (by field staff to VO members). A review of project cycle management and target fixing is recommended.

Lesson Learnt Fabricated and ‘doctored’ progress of a project sometimes brings (misleading) achievement, which often causes damage in the long run.

Detail To achieve the Appraisal milestone, special attention is given on updating documents and keeping OTR up to the mark. In many cases illicit ways and means are adopted to show fabricated progress. However, reviewing the status of some 2nd generation villages, inconsistent variations were observed on the trend of progress between pre and post graduation periods. Such attempt to achieve short-term gain, might lead to detrimental effect on the sustainability of the project.

Action/Mitigation Special attention is required from SDF management to stop the practice of showing fabricated progress by adopting and practicing accountability.

Lesson Learnt Lack of enabling & congenial environment and spaces in the community institutions for flourishing `` Power Within’’ hinders leadership development process.

100 100 100 100 100 100 100

89 89

100

78

89

70

75

80

85

90

95

100

% o

f A

tten

dan

ce

Figure-71: GS meeting attendence rate in Natshal village by month (Jan-Dec 2013)



Detail Timely reformation of committees is important in promoting new leadership and developing the capacity of VOs. While the tenure of the VOs has expired in many cases, sill no initiative is observed regarding reformation. On the other words there is a process fault for generating demand of leadership.

Action/Mitigation Leadership development is very critical for the sustainability of the community institutions thus it needs in-depth analysis to have an insight and accordingly it needs to develop intervention plan.

Lesson Learnt Enabling environment is needed for adopting cross learning culture, creating space for all level staff and communities, and encourage in practicing “Trial and Error approach’’.

Detail Absence of enabling learning environment has been prevailing in project system. Blaming culture, making CFs solely liable for the failure of attaining task without taking responsibility by entire team found exist. Poor enabling environment also limiting the learning and sharing culture.

Action/Mitigation Effective and timely communication of learning needs to be ensured. As well as congenial forum for all stakeholders to share their learning freely should be created.

Lesson Learnt Existing capacity building process is not enabling to enhance the awareness of VO members on the fundamental project rules that lead to organizational/institutional weakness.

Detail The understanding of project rules is essential for the sustainability of the village organization. Most of the general VO members have poor understanding on basic project rules. The scenario is not different in case of VO key person, but it is indispensable for the key person to have sound understanding on project rules.

Action/Mitigation Regular discussion on project rules should be ensured in VO meetings. The conflicts of the village should be mitigated according to project guideline.

Lesson Learnt Unfair benefits taken by the group leaders creates suspicious environment in the groups that stalled the normal functional process of VOs.

Detail In some cases the VO key persons are involved with financial misappropriation. Nevertheless, trend of irregularity in depositing savings and loan instalment (repayment) by the VO key persons is also revealed. Consequently many hard-core poor cannot mobilize savings/loan instalments and become frustrated.

Action/Mitigation The authority should take strong measures to ensure transparency at VO level. More communication and information exchange may increase trust in the community.

Lesson Learnt Effective O&M strategy needs to address by creating ownership feeling among the community people. Ownership crisis stand as an obstacle, which limiting the useful long-term use of implemented sub-projects.

Detail To enhance the social capital, with project support different types of sub-projects viz. roads, culverts, office, and drainage system have been implemented. The sub-projects have immense importance for the promotion of rural livelihood. However, the sub projects are losing



their potentiality due to absence of proper maintenance mainly due to lack of ownership among the beneficiaries. As a result, the condition of the sub-projects is deteriorating over time and limiting effective/optimum usages of the implemented facilities.

Action/Mitigation Common consensus of the community people is required.

Lesson Learnt It is required to tackle the irregular or defaulting trends of key persons. Said trend influenced other general members to follow the suit that blocking/hampering the recovery process of savings and loan instalments.

Detail Due to lack of willingness and absence of legal obligation, most of the key persons of the VOs are not paying their instalments on regular basis and some of them become defaulter after crossing their timeline of SF and IL recovery. The practice is creating doubts and dissatisfaction among the general members; and eventually they are not paying instalments following the course of defaulter leaders.

Action/Mitigation SDF management can arrange awareness program to make the key persons accountable to regular recovery and facilitate the VO members on taking exemplary action against the defaulter/irregular key persons.

Lesson Learnt More focus needs on institutionalization process. Emphasize on revolving of SF, rather than strengthening the institution ultimately causing huge overdue and idle fund that blocks the future revolving process.

Detail One of the major targets of SF is to promote of livelihood opportunity and income generation in the villages. After reviewing the 2nd generation villages, it is found that revolving process of SF is not functional as huge amount of money is remaining idle in the bank as well as overdue is remaining to be collected from default members. SF disbursement process is being hampered seriously as institutionalization process is almost absent here.

Action/Mitigation Proactive initiatives should be taken by SDF management to strengthen the village organizations. Additional effort also required to recover the overdue loan and for the disbursement of the idle fund.

8. Conclusion

This report presents the process monitoring activities which have been undertaken by the PMA during the last 12 months (January – December 2013). This report is the first Annual Report of activities in the current phase. PM Team prepared and submitted all the targeted deliverables of the reporting period. In all the cases of preparing and submitting the reports, PMA tried best to maintain schedule and quality. Mentionable, SDF has valued all the deliverables and PM findings. PM team brought a host of diversified issues and shared them with each tier (Community to Region). Furthermore, SDF has taken initiative to conduct monitoring and learning workshops at district, cluster and village level. PMA attended those meetings and shared the respective findings. Significant number of issues was resolved through this sharing process as the authority took quick actions just immediately after sharing of PMA findings. The institutionalization of learning mechanism would be very much effective for the betterment of project activities. Nevertheless, details analysis on the findings of the fixed villages also helps the concern stakeholders, particularly SDF to learn about the trend of some key indicators.



Annex 1: List of all issues of year-1 (February-December 2013)

List of all issues including issue subject, covered villages and management level are given in the table below:

Sl No. Issues Issue Subject # of observed villages

Level of issue

Jamalpur Region

February 2013

Position of secretary found absent in the composition of SSC key position.

Governance 7 Region

Gap in signing umbrella agreement

Governance 5 Region

March 2013

Functioning of youth group

Institutionalization 30 Community

Most of the vulnerable not use the one time grant to start IGA

Livelihood Improvement

14 District/cluster

Bank account of SSC operated by such a person who is not a member of the SSC

Governance 01 Community

Irregularities in disbursement of vulnerable grant


Selection rules are not followed in replacing former members


April 2013

Recovery process found absent on overdue of Swabolombi Rin that hinder the revolving process of SF

Livelihood development

08 Community

Selection of trade for youth skill development violating the direction of COM

Livelihood Development

11 District/Cluster

CPs and VO key persons are irregular in depositing savings and recovery of Swabolombi Rin


Functioning status of SAC Institutionalization 28 Community

Cheque issue register was not maintained properly by VOs

Transparency 20 Community

May 2013

Prioritization of trade not practiced in disbursement of Swabolombi rin (SR)


09 Region

VOs follows fortnightly savings (not weekly)

Institutionalization 20 Central

Delay in utilization of IDF


Absence of maintenance of implemented sub project

Sustainability

03 Community




Level of issue

Gaps in documentation process of GS/VCO cash book

Transparency 04 District/cluster

Direction of COM not addressed in purchasing of GS office land

Cost Effectiveness 14 Region

June 2013

Procedural anomalies in training

Capacity building 05 Region

Irregularities in Community contribution collection process

Governance 16 Central

Disbursement of Swabolombi rin (SR) without providing training

Capacity Building 09 District/Cluster

Irregularities in conducting GP meeting


Poor Performances of Procurement Committee

Accountability 31 Community

OTR analysis on pre and post period of graduating in 2nd generation

Institutionalization 07 Region

July 2013

Irregular recovery of youth skill development loan

Sustainability 15 Community

VO key persons are withdrawing money from Swabolombi Fund


Understanding level of VO members on Dash Neeti


Unsatisfactory Recovery Status of Swabolombi rin (SR) is in batch III villages


Improper functioning of Finance Committee


August 2013

Financial anomalies in purchasing GS office and training materials


Utilization of CISF-1 activity is delayed

Timeliness 12 Community

Embezzlement of Swabolombi Fund (SF) by GS & VCO key persons


Irregularities on the deposition of loan security fund


Community Assessment Process (CAP) not functioned properly

Accountability 47 District/Cluster

September 2013




Level of issue

Incorrect information generated in Input form

Governance 42 District/Cluster

Swabolombi Rin recovery rate shows a declining trend


Irregularities in conducting monitoring & learning workshop at cluster level

Learning & Communication

10 Region

VO members are not conscious about the importance of meeting


Poor utilization of youth skill development training loan fund

Capacity Building 26 Region

Training learning /experience not disseminated among NJG members


33 District/Cluster

October 2013

Non-compliance of the steps in disbursement/operation of “Swabolombi Rin”


20 District/cluster

Unsatisfactory functioning of Youth Volunteer Group

Capacity Building 25 District/cluster

Rescheduling of Swabolombi Rin


Follow-up is absent on reported recommendations of SAC

Accountability

38 District/cluster

Absence of recovery of overdue SF deterred the revolving process of SF


November 2013

Irregularities in accumulation of emergency fund

Inclusiveness

31 District/cluster

Performance of batch-I villages is deteriorating


Impractical sub-project budget/plan for setting up of tube-well

Cost effectiveness 1 District/cluster

Prescribed design was not followed in drain construction

Cost-effectiveness 1 Community

Fund release service standard not maintained

Cost-effectiveness 27 Central

Knowledge inadequacy of SPC members about their own responsibilities


December 2013

Anomalies in trade wise utilization of Swabolombi Fund


15 District/cluster

Improper management of VOs Accountability 49 Community




Level of issue

display board (DB)

Impoverish performance of producer groups in 2nd generation villages


GS office construction lags behind

Cost effectiveness 10 Community

Irregularities in execution of SDF management decision regarding Van

Information Sharing

30 District/cluster

Deviation of Process in signing MoU between GS and VCO

Governance

15 District/cluster

Rangpur Region

February 2013

Recovery process of the youth skill development loan is not functioning properly


Youths received training on computer, failed to be employed


3 Central

March 2013

Deviation in VCO bank deposition and documentation

Transparency and Accountability

5 District/cluster

Same persons holding executive positions both in VOs and NJCSs

Governance 4 District/cluster

PC does not submit monthly report to GS

Transparency and Accountability

12 Community

April 2013

Documenting OTR through applying wrong calculation


Swabolombi rin recovery sheet is not being updated regularly and different formats are used

Accountability 20 District/cluster

Significant dependency on CF still prevails in 2nd generation villages

Capacity Building 16 Central

Unauthorized persons operate VCOs’ financial activities


VOs are not updating display information


May 2013

Environmental and social impact assessment is not assessed properly

Inclusiveness 26 Region

Utilization of CISF (Others) centralized only on Roads and Culverts

Cost effectiveness 21 Region




Level of issue

Disaster preparedness measures are not taken properly

Sustainability 44 District/cluster

Absence of reformation practice of VOs limiting the leadership development process


Utilization and recovery status of Swabolombi rin


29 Community

June 2013

Monitoring system at VO level is not functioning properly


A good number of youths are being excluded from project benefit

Inclusiveness 39 Central

VOs are not formed with youths as provisioned in COM

Inclusiveness 39 Community

Community assessment process (CAP) is not functioning properly


July 2013

Livelihood options and trainings are limited to few activities


49 Central

Comparison on OTR status before and after of graduation in 2nd generation

Sustainability 16 Region

NJGs are not active on collecting swabolambi rin as the process is more VCO and CF dependent

Inclusiveness 22 Community

Household List is not updated on a regular basis

Inclusiveness 47 Central

A good number of indigenous people are excluded from Nuton Jibon Project

Inclusiveness 09 District/Cluster

August 2013

Dissemination and Follow up of the QMLW decisions is not effective


45 Region

Analysis on the content of GP meeting resolution


Loan Assessment Committee is not working properly


20 Community

Same persons are holding the key positions both in SSC and VCO by violating COM


Association with MFIs is still Sustainability 21 Region




Level of issue

active within the beneficiaries of Nuton Jibon project

September 2013

Dissimilarities between actual verses input form information

Governance 28 District/Cluster

Exclusion of vulnerable people from project support

Inclusiveness 51 Region

Poor functioning of youth groups (/Capacity Building)


Non-functioning of Internal Lending increased the trend of idle fund

Sustainability 49 Central

October 2013

Fund release service standard not maintained

Cost-effectiveness 33 Central

Occupational harmony not maintained in formation of Producer Group


14 Region

CISF expenditure related documents found absent

Transparency 5 Community

Key positions are becoming irregular/ defaulter in recovery of Internal Lending/Swabolombi Rin


Sign Boards are not installed in implemented sub-projects


November 2013

Increasing trend of overdue and idle fund hindered the revolving of SF in 2nd generation villages


Excessive dependency hindered functioning of the Community Book Keepers


Absence of maintenance of implemented sub-projects


Involvement of VO members’ spouses is hampering the VO activities


Non-compliance of procurement procedures


December 2013

Yearly disbursement and number of loans are declining gradually in the 2nd generation villages

Sustainability 20 Region

Performance of the 2nd Institutionalization 23 Region




Level of issue

generation villages has deteriorated

Participatory method of allocation of VDRRF to VOs was not followed

Governance 29 Central

Irregularities in disbursement of SF-1


17 Region

Comparative analysis on self-employed vs. wage employed youths


42 Central

Analysis on the functioning of the villages of different Batches




Annex 2: Specific observation on action status of PMA findings (February 2013 to November 2013)

A. Jamalpur Region

Sl.no

Findings/Issues Issue Subject

Decision Responsibilities & time line

Decisions wise actions Status

Issues wise actions status

February 2013

01. Position of secretary found absent in the composition of SSC key position

Governance

- Ensure proper follow up to resolve such types of gap.

CF, CTL, DT. Time: Continuous

Partially Resolved

Partially Resolved

02. Process deviation in signing umbrella agreement

Governance/Transparency

- All contents and clauses of any sorts of agreement must discuss in formal meeting of respective VOs and documented in the meeting minutes. In violation of said decision, action will take against respective field staffs

CF, CTL, DPO. Time: Continuous

Resolved Resolve

March 2013

03. Comparison on the functioning of youth group

Institutionalization/Capacity Building

- Required action will be taken by specialist youth employment.

RS (Y&E). Time: Continuous

Partially Resolved

Partially Resolved

04. Irregularities in disbursement of vulnerable grant

Governanc/Transparency

- Grant should not disburse among the outsiders of listed vulnerable. Considering physical condition, other family member can assist the grant recipient to manage the fund.

RS (Livelihood). Time:; Continuous

Resolved Resolved

- Specialist livelihood should take action in this regard

RS (Livelihood). Time:; Continuous

Resolved

05. Most of the vulnerable not use the one time grant to start IGA

Livelihood/Sustainability

- Ensure right trade selection for the vulnerable. Trade for the vulnerable must select according to the own opinion of the vulnerable.

RS (Livelihood). Time: Continuous

Mostly Resolved

Mostly Resolved

- Specialist livelihood should take required action regarding this.

RS (Livelihood). Time: Continuous

Mostly Resolved

06. Bank account of SSC operated by such a person who is not a member of the SSC

Accountability/Transparency

- Though it is a single incident but alarming. Field level staff should be more conscious to resolve such types of gap.

CF, CTL& DPO. Time: Continuous

Resolved Resolved

07. Rules are not followed in replacing of VO members

Governance/Sustainability

- All sorts of replacement must accomplish following the guideline of COM.

CF, CTL& DPO. Time: Continuous

Resolved

April 2013

08. Recovery process found absent on overdue of SwabolombiRin that hinder the revolving process of SF

Livelihood Improvement/Sustainability

- Physical visit should paid in village leve and discuss in GP meeting to collect the over due loan.

Respective DPM, DPO, CTL, CF &GP. Time: August,2013

Resolved Partially Resolved

- Recovery of overdue ensured by June’13 20%, July’13 40% and August’13 100%. Regional Program Director will supervise the recovery of overdue amount

RPD, Respective DPM, DPO, CTL, CFs &GP. Time: August,2013

Partially Resolved

09. CPs and VO key persons are irregular in depositing savings and recovery of SwabolombiRin

Accountability/ Sustainability

- By June’13 recovery of due savings and installments of the CPs and VO key persons have to be ensured. Action will take against the defaulter CPs.

Respective DPM, DPO, CTL &CFs Time: June’13

Partially Resolved

Partially Resolved

10. Selection of trade for youth skill

Livelihood developme

- COM guideline regarding SDTL disbursement should be followed

RS (Y&E), DPM (All), DPO (Y&G)

Partially resolved

Partially resolved



Sl.no





development violating the direction of COM

nt/Sustainability

All, All CF & CTL. Regular work

- Profitable trade has to be considered for selecting the SDTL. COM guideline should be followed during loan disbursement on computer and tailoring. Otherwise action will be taken against respective persons

RS (Y&E), DPM (All), DPO (Y&G) All, All CF & CTL. Regular work

Partially resolved

- Involvement of youth group members of less than 18 years is strictly prohibited

RS (Y&E), DPM (All), DPO (Y&G) All, All CF & CTL. Regular work

Partially resolved

11. Functioning status of SAC

Institutionalization/Capacity building

- Handy training should provide for the capacity building of SAC. Meeting resolution and report of SAC should not be written by CF. If written then action will take against responsible person.

RS (G&A) and DPO (G&A), CTLs, CFs. Time: Continuous.

Partially Resolved

Partially Resolved

- For the capacity building of SAC discussion should be held in regular basis at field level

DPMs and CTLs. Time: July’13

Partially Resolved

- Initiative should be taken for the reformation of SAC with the other skill and educated members of a village.

RS and DPO (G&A), CTLs and CFs. Time: July’13

Mostly Resolved

12. Cheque issue registers not maintained properly

Accountability/Transparency

- Using of cheque issue register in all respective VOs should be ensured by June’13 and continue the updating process in regular basis.

DPM, RS and DPO (CF), CTL and CF(BK) Time: June’13 , regular work

Resolved Resolved

May 2013

13. VOs Follow Fortnightly Savings Arrangement (not weekly)

Institutionalization/Sustainability

- The importance and advantages of weekly savings should discuss in VO level to aware the members on weekly saving. In all villages one Van has to be purchased, beside IGA it will use for the bank deposition of VOs

CT, DT and RT, regular work

Not resolved Not Resolved

- Initiative should be taken to alter the monthly savings to fortnightly and fortnightly to weekly. Monthly deposition will not allow in further

RS (CF), DPO (CF) and CF (BK) Time: July’13

Not resolved

- A discussion will be held in SDF management level on time frame of savings deposition.

RS (CF), DPO (CF) and CF (BK). Time: July’13

Ongoing

14. Absence of Maintenance of Implemented Sub-projects

Sustainability/ Cost Effectiveness

- Conduct discussion with SPC/VDMC in a regular basis on the O&M of implemented sub-projects. During their field visit all project staffs must visit the sub-project sites and take measures accordingly

DPO (Tech) & CF(Tech) Regular work

Not Resolved Not Resolved

DPO (Tech) & CF(Tech) Regular work

Not Resolved

15. Direction of COM not addressed in purchasing of GS office land

Linkage building/ Cost Effectiveness

- Initiative should take to indentifyKash land/donor for GS office. Project staff will share with legal advisor about the procedure of the registration of donated/ Kash land and inform SDF management.

RPD, DPM(all) CFs and CTLs. Regular work, Time: June,2013

Ongoing Ongoing

- If anybody wants to donate land for GS office, it can accept but

RPD, DPM and CTLs. Time:

Ongoing



Sl.no





registration has to be ensured in name of VO. The name of land donor can be written in GS office nameplate

Continuous

16. Gaps in document-tation process of GS/VCO cashbook

Transparency/Sustainability

NA DPO (CF) & CF (BK), Time: Continuous

Ongoing Ongoing

17. Prioritization of trade not practiced in disbursement of Swabolombirin (SR)

Livelihood improvement/Sustainability

- It is needed to ensure the trade priority list according to COM before disbursement of SR.

All DPM, all DPO (Livelihood). Time: Continuous

Not Resolve Not Resolve

- On hand training should provide to the project staffs about the process of trade prioritization.

RS (Livelihood) all DPO (Livelihood). Time: Aug’13

Not Resolve

18. Delayed Utilization of IDF


- Initiative should take to spend the idle IDF according to plan without any delay.

CT and DT. Time: July’13

Resolve Resolve

June 2013

19. Irregularities in Community contribution collection process

Inclusiveness/Sustainability

- Awareness building about the purpose of community contribution and involvement on contribution process of villagers is required.

DPM, DPO, CTL, CF and GS. Time: Sept’13 and Continuous


20. OTR analysis on pre and post period of graduating in 2nd generation


- Recommendation to 2nd generation villages is inadmissible without achieving target.

AMT and DT. Time: Sept’13 and regular work

Follow up ongoing

Partially Resolve

- Recovery of all loans in 2nd generation villages should be above 95%. Everyone should be sincere to not fall the recovery rate.

RPD, DPM, DPO, CTL, CF and GP. Time: Sept’13 and regular work

Partially Resolve

21. Procedural anomalies in training

Capacity building/Transparency/Livelihood

- Training will be conducted to the prepared subject wise training module.

RS & DPO (Livelihood), CB Cell. Time: Oct’13

Resolve Mostly Resolve

- Regular observation is needed so that CPs/LSPs provide training according guideline.

DPO,CTL & CF Time: Regular work

Mostly Resolve

22. Irregularities in conducting GPmeeting

Accountability/Inclusiveness

- No decision will be taken without satisfying the quorum of GP meeting. Proper action will be taken if GP book found occupied by project staff members.

All DPM, DPO, and CTL. Time: Sept’13. Regular work

Partially Resolve

Partially Resolve

- Meeting date and time should not be fixed according to the convenience of cluster team. Fixing of meeting time and date must be conducted by discussing with villagers by October, 2013. Respective project staff members will ensure the GP meeting conduction according scheduled time.

DPM, RS & DPO (MEL), CTL, CF. Time: Oct’13 Regular work

Partially Resolve

23. Disbursement of Swabolombirin (SR) without providing training

Capacity Building/Livelihood improvement/Sustainability

- It has to be ensured in field level that no loan disbursement will be occurring without training

DPM, RS & DPO (Livelihood), CTL, CF. Time: Sept’13 Regular work

Resolve Resolve

- Training will be provided to beneficiaries who have received loan without training.

DPM, RS & DPO (Livelihood), CTL, CF. Time: Sept’13 Regular work

Resolve

24. Poor Performances of Procurement Committee

Transparency/Accountability

- COM guideline should be followed during procurement. PC will inform the GP and GS regularly about the procurement.

CTL, CF (BK), GS, PC. Time: Sept’13. Regular work

Partially Resolve

Partially Resolve



Sl.no





All procurement related discussion will be took place in procurement committee meeting and should be documented

July 2013

25. Irregular recovery of youth skill development loan

Capacity building/livelihood improvement/sustainability

- All overdue loan amount needs to be recovered by December, 2013.

DPM, RS, DPO, CTL, CF and GP. Time: Dec’13

Partially Resolve

Partially Resolve

26. VO key persons are withdrawing money from Swabolombi Fund (SF) in disguise


- The said money needs to be collected by November, 2013. The village list will be collected from report of PMA.

RPD, respective DPM, DPO, CTL, CF and GP. Time: Nov’13

Partially Resolve

Partially Resolve

27. Unsatisfactory Recovery Status of Swabolombirin (SR) is in batch III villages

Livelihood Development/Sustainability

- Recovery of SwabolombiRin cannot be less than 95% in any circumstance. The recovery rate of the said villages should be improved by visiting it.

Respective DPM, DPO, CTL, CF and GP. Time: Spt’13


28. Improper functioning of Finance Committee


- All payments during procurement will be paid by finance committee.

CTL, CF (BK) and GS. Time: Regular work

Mostly Resolve Mostly Resolve

- Finance committee will prepare report according to format.

DPO (CF), CTL, CF (BK) and FC. Time: Regular work.

Mostly Resolve

29. Understanding level of VO members on Dash Neeti

Empowerment/Sustainability

- Regular discussion should be performed in GP meeting and group meeting.

DPO, CTL, CF, GS. Time: Regular work

Partially Resolve

Partially Resolve

August 2013

30. Financial anomalies in purchasing GS office and training materials

Transparency/Accountability/Governance

- Regional team will take action oriented initiative in this regard.

RT. Time: December’13

Partially Resolve

Partially Resolve

31. Utilization of CISF-1 activity is delayed

Cost-effectiveness /Institutionalization

- Initiative has to be taken to expedite the utilization of CISF.

Respective specialist and field team. Time: Jan’14


32. Embezzlement of Swabolombi Fund (SF) by GS & VCO key persons

Transparency/Accountability/Governance

- Regional team will take action in this regard.

RT. Time: December’13


33. Community Assessment Process (CAP) not functioned properly

Governance/Accountability/Capacity building

- Action has to be taken on regular basis in conducting CAP.

CF, CTL and DPM. Time: Continuous


34. Irregularities on the deposition of loan security fund

Accountability/Transparency/Governance

NA CTL, CF Time: Sep’13

Resolve Resolve

September 2013

35. Incorrect information generated in Input form

Governance/Information Sharing

- Tier wise (Field to HQ), sample basis follow up can reduce the extent of dissimilarities. Circular by MD should be issued regarding crosschecking of data and on producing authentic information in input form by level of staff.

Manager M&L and field level concerned staff. Time: Jan’14

Partially Resolve

Partially Resolve

36. SwabolombiRin recovery rate shows a declining trend

Livelihood Development/Sustaina

- A quarterly or monthly milestone will be set for field level staffs to ensure improvement in OTR.

RS (CF) and DT. Time: Jan’14




Sl.no





bility

37. Irregularities in conducting monitoring & learning workshop at cluster level

Information Sharing/ Institutionalization

- SDF-HQ monitoring department would draft an office order on timely conduction of monitoring workshop at region, district and cluster level and circulate through MD.

Manager M&L. Time: Jan’14

Resolve Resolve

38. VO members are not conscious about the importance of meeting


- Immediate action will be taken to make the VO members aware on the importance of meeting.

CB cell, field team. Time: continuous


39. Poor utilization of youth skill development training loan fund

Livelihood development/Capacity Building

- Specialist youth employment should provide the reviewed findings to PMA, PMA field team further cross-check the findings.

RS (Y&E) and PMA Time: Dec’13

Partially Resolve

Partially Resolve

40. Training learning /experience not disseminated among NJG members

Capacity building/ Information sharing

- A directive on this regard will be circulated.

Manager M&L. Time: Jan’14

Ongoing Ongoing

October 2013

41. Non-compliance of the steps in disbursement/operation of “SwabolombiRin”

Livelihood Development/Capacity building

- The steps should be reviewed and rearranged in revised COM based on the field learning.

RT. Time:Jan’14 Ongoing Ongoing

42. Unsatisfactory functioning of Youth Volunteer Group

Capacity Building/Sustainability

- Immediate action has to be taken to make the volunteer group more functional.

Respective Specialist, CF, CTL and DPM. Time: Continuous

Partially Resolve

Partially Resolve

43. Follow-up is absent on reported recommendations of SAC

Governance /Accountability

- SAC members will be facilitated with more training and simple reporting template should be designed for SAC in the revised COM.

Governance Department SDF-HQ, CF, CTL and DPM. Time:Jan’14

Ongoing Ongoing

44. Absence of recovery of overdue SF deterred the revolving process of SF

Livelihood Development/Sustainability

- Quick and effective initiatives will be taken to recover the overdue installments.

RS (CF), CF, CTL and DPM. Time: Continuous

Partially Resolve

Partially Resolve

45. Rescheduling of SwabolombiRin

Livelihood/Accountability/Governance

- Reschedule must not be allowed other than genuine cases and it would not be more than 4-5 installments. Clear guideline on rescheduling issue will be incorporated in revised COM.

RS (CF). Time: Continuous

Resolve Resolve

November 2013

46. Performance of batch-I villages is deteriorating


- For improving the performance of Batch-I/2nd generation villages required initiative should be taken from next month.

Respective Specialist and field team. Time: Jan’14

Partially Resolve

Partially Resolve

2. A periodic (quarterly or monthly) milestone will be set for field level staffs to improve the OTR status.

RS (CF) and DT. Time: Jan’14

Partially Resolve

Partially Resolve

47. Prescribed design was not followed in drain construction

Cost-effectiveness/Transparency

- Payment should be given based on the actual construction. Respective officials will ensure it.

CF (Tech) and DT Time: Dec’13

Resolve Resolve

48. Irregularities in accumulation of emergency fund

Governance /Accountability

- A clear guideline on emergency fund will be prescribed in revised COM.

Respective specialist Time:Jan’14

Ongoing Ongoing

49. Fund release service standard not maintained

Timeliness/Cost-effectiveness

- In COM revision, uniform time line of fund release service standard has to be ensured.

Specialist Team Time: Jan’14

Ongoing Ongoing

50. Knowledge Institutiona - SPC member selection process Respective Not Resolve Not Resolve



Sl.no





inadequacy of SPC members about their own responsibilities

lization/Sustainability

will be sharpened further.

Specialist HQ, Cluster and Regional team. Time: Continuous

- Arrange refresher training for already trained members.

Respective Specialist HQ, Cluster and Regional team. Time: Continuous

Not Resolve

51. Impractical sub-project budget/plan for setting up of tube-well

Cost effectiveness/information sharing

- Technical estimation will be cross checked and fixed.

RS (Tech). Time: Jan’14

NA Ongoing

Summary of the action status of Jamalpur region is given in the table below: Sl. no

Present follow up status of Findings/issues

Total number

%

1 Resolved 10 20

2 Mostly Resolved 5 10

3 Partially Resolved 19 37

4 Ongoing 8 15

5 Not Resolved 9 18

51 100

B. Rangpur Region

Sl.no





February 2013

01. Recovery process of the youth skill development loan is not functioning properly

Sustainability

Employment opportunities must be linked up while providing any kind of training.

Cluster and District team, Regional specialist Time: Continuous Process

After visiting in 29 villages, it is found that in 16 village’s recovery process of the youth skill development loan is functioning properly.

Partially Resolved

02. Youths received training on computer, failed to be employed


For computer training, education (minimum HSC level), scope/opportunities, and capacity level of the youths must be taken under strong consideration. The beneficiaries of computer training must be finalized with the concurrence of respective district and regional officials.

Cluster and District team, Regional specialist Time: Continuous Process

After visiting 16 villages, it is found that in 10 villages youths are employed after receiving training on computer.

Mostly Resolved

March 2013

03. Deviation in VCO bank deposition and documentation

Transparency

Immediate initiative should be taken to resolve the irregularities. - The all field staffs should aware on further repetition of such gap.

Concern DPM,CTL and CF Time: Continuous Process

After visiting in 29 villages it is found that in 6 villages there are dissimilarities in the documentation and bank deposition.

Resolved

04. Same persons holding executive positions both in VOs and NJCSs

Governance Immediate initiative should be taken to resolve the irregularities. Within 3 months of inclusion in NJCS the village level positions of the included persons will be abolished. Respective field staffs will take action accordingly.

DPM,CTL and CF Time: Continuous Process

Resolved Resolved



Sl.no





05. PC does not submit monthly report to GS

Accountability

DPM Kurigram will send the format to SDF-HQ. SDF management will review the format and take initiative to circulate a common matrix for field level use.

DPM Dinajpur, SDF Management Time: May’13

After visiting in 13 village’s report of PC is not found in 7 villages. Partially resolved.

Partially Resolved

April 2013

06. VO’s are not updating display information

Accountability

By August 2013, all the Display Boards should be updated and the process should continue on regular basis.

CTL, CF (All) Time: August 2013 Regular work

After visiting 51 villages, it is found that the process is not followed in 14 villages.

Mostly Resolved

07. Documenting OTR using wrong equation

Transparency

OTR should be calculated following the prescribed method. Collected advance and due amount might not be added with current realization of the particular month.

Specialist (Community finance), CTL, concern DPO (All) Time: Regular work

After visiting in 34 villages, it is found that in 30 villages the documentation process is being followed properly.

Resolved

08. Swabolombi rin recovery sheet is not being updated regularly and different formats are used

Accountability

Uniform recovery sheet should be used in all villages and updating of recovery sheet must be ensured on regular basis. To get required recovery sheet requisition should be send to SDF-HQ.

Specialist (Community finance) Time: August 2013

After visiting in 36 villages, it is found that in all villages, VO’s are using same type of recovery sheet. It is also found that in 32 villages VO’s are updating their recovery sheet on regular basis.

Resolved

09. Significant dependency on CF still prevails in 2nd generation village

Capacity Building

Needs to improve the facilitation skill of CFs. Initiative should be taken to arrange related training.

DPM (Gaibandha), Specialist(ICB) Time: Sept 2013

After visiting 6 villages in Gaibandha, it is found that activities of the VO’s are remaining highly dependent on CF’s although CF’s received training from regional office.

Partially Resolved

10. Unauthorized persons operates VCO’s financial activities

Governance Outsider as well as project staffs must not be involved with any sorts of financial dealings. Immediate initiative should be taken to recover the embezzled amount and stop interfacing of outsider’s in the observed villages.

DPM, CTL, (All) Time: July 2013

After visiting 35 villages, involvement of outsiders in VOC’s activities cannot be found.

Resolved

May 2013

11. Disaster preparedness measures are not taken properly

Sustainability

Necessary equipments regarding first aid box and Rikshaw van will be purchased in villages that have received 1st and 2nd installments of IDF.

Regional specialist (ECCRR) Time: Sept 2013

After visiting in 26 villages it is found that in 24 villages first aid box has been purchased and in 6 villages it is found that Rikshaw van has been purchased.

Partially Resolved

12. Utilization of CISF (Others) centralized on Roads and Culverts

Cost-effectiveness

Using the fund of CISF (Others) will be extended among other sub-projects based on local demand.

Specialist (Technical), Concern DPO, CTL. (All) Time: Regular work

After visiting in 23 villages, it is found that in 19 village’s allocation of CISF (Others) is confined among roads and culverts. In the 4 villages of Naogaon and Dinajpur district has taken subprojects on sanitary latrine and tube well.

Not Resolved

13. Absence of reformation practice

Institutionalization

Discussion is needed with SDF management regarding

SDF Management

After visiting in 17 villages, it is found that

Resolved



Sl.no





of VOs limiting the leadership development process

the reformation of VOs Time: August 2013

in 14 village’s leadership positions changed partially. In 1 village, leadership positions changed on time. In two villages the issue has been discussed in the GP.

14. Utilization and recovery status of Swabolombi rin


SF needs to be utilized in the appropriate IGA. To do so the initial planning of IGA could be revised.

Regional Specialist (Community Finance), Concern DPO, CTL (All) Time: Regular work

Ongoing Ongoing

June 2013

15. VOs are not formed with youths as provisioned in COM

Inclusiveness

Steps will be taken to redefine youth before correction of COM. Inclusion of youths in VO’s will be ensured.

SDF management Time: August 2013 Regional Specialist ( Youth and Employment), DPM, CTL ( All) Time: Regular work

After visiting in 24 villages, it is found that in 12 villages inclusion of youths in VO’s are as provisioned as COM.

Partially Resolved

16. A good number of youths are being excluded from project benefit

Inclusiveness

A regional workshop will be conducted regarding the youth issues. After analyzing in the workshop necessary steps will be taken.

Specialist (Youth & employment) Time: September 2013

In December, 2013, conducted regional workshop and developed further planning for incorporation. However, in 27 visited villages it is found that in all villages eligible youths are remaining excluded.

Partially Resolved

17. Community assessment process (CAP) is not functioning properly

Accountability

Training will be provided to increase the number of skilled CP’s on conducting CAP.

Specialist ( ICB), DPM, CTL, All Time: Sept 2013

Training has been provided and the process is ongoing.

Ongoing

18. Monitoring system at VO level is not functioning properly

Accountability

Monitoring system in the VO level needs to effective and should be on regular basis.

Regional Specialist ( ML), concern DPO, CTL, CF. Time: Regular work.

After visiting in 23 villages SAC report has found in all villages, display board has been updated in 18 villages and only one village found where GS progress report has been submitted in GP.

Mostly Resolved

July 2013

19. Livelihood options and trainings are limited to few activities


The diversified livelihood options should be explored and facilitated

Specialist Livelihood CF, CTL and DPM Time: Continuous

After visiting in 29 villages, it is found that diversified livelihood options are available in 4 villages.

Not Resolved

20. Comparison on OTR status before and after graduation in 2ndgeneration

Sustainability

Membership criterion should be cross checked if they are full time or associated members. In case of full membership the observed

Regional team, PMA Time: December 2013

PMA cross checked list of the reported villages and found that those villages are full member of NJCS

Not Resolved



Sl.no





picture is not acceptable.

21. NJGs are not active on collecting Swabolambirin as the process is more VCO and CF dependent

Inclusiveness

A method for creating group pressure will be prescribed in revised COM

Specialist Team Time: January 2014

After visiting in 21 villages, it is observed that NJG’s are not collecting Swabolambirin.

Not Resolved

22. Household List is not updated on a regular basis

Inclusiveness

Timely update of household list has to be ensured on regular basis.

Regional team, CF, CTL and DPM Time: Continuous

After visiting in 20 villages, it found that PIP has been updated in 9 villages.

Partially Resolved

23. Some indigenous people are excluded from NutonJibon Project

Inclusiveness

Regional team will take action for the inclusion of indigenous people in group.

Regional team, CF, CTL and DPM Time: January 2014

The issue already been resolved.

Resolved

August 2013

24. Dissemination and Follow up of the QMLW decisions is not effective


A directive on this regard will be circulated.

HQ and Regional Team Time: December 2013

The issue already been resolved.

Resolved

25. Analysis on the content of GP meeting resolution

Accountability

The VOs should be facilitated on selecting appropriate agenda for GP meeting.

CF, CTL and DPM Time: Continuous

After visiting 29 villages, it is found that in 8 village’s content of GP meeting have been written properly.

Partially Resolved

26. Same persons are holding the key positions both in SSC and VCO by violating COM

Governance Immediate action will be taken to reform the VOs.

CF, CTL and DPM Time: January 2014

After visiting in 35 villages, it is found that in 22 villages same persons are not both key positions in SSC and VCO.

Mostly Resolved

27. Loan Assessment Committee is not working properly


Initiatives have to be taken for the capacity building of loan assessment committee


After visiting in 28 villages, it is found that in 10 villages loan assessment committee is not functional.

Partially Resolved

28. Association with MFIs is still active within the beneficiaries of Nuton Jibon project

Sustainability

Action will be taken to find out the reasons why still the NJG members maintain link with other MFIs, and will take corrective measures accordingly.

Respective Specialist CF, CTL and DPM Time: Continuous

In the visited 25 villages, it is found that in all villages members are associated with other MFIs.

Not Resolved

September 2013

29. Dissimilarities between actual Versus input form information

Governance Tier wise (Field to HQ), sample basis follow up can reduce the extent of dissimilarities. Circular by MD should be issued regarding crosschecking of data and on producing authentic information in input form by staff at all levels.

Manager, M&L and field level concerned staff Time: January 2014

After visiting in 23 villages, it is found that in 14 input form information and actual information are same.

Mostly Resolved

30. Exclusion of vulnerable people from project support

Inclusiveness

Immediate action will be taken

CF, CTL and DPM Continuous

In the visited 23 villages, it is found that vulnerable peoples are remaining excluded in all villages.

Not Resolved

31. Poor functioning of youth groups


Importance and necessary actions have to be ensured for the better functioning of youth groups.


After visiting 23 villages, it is found that in all villages’ performance of the youths is not functional and satisfactory.

Not Resolved

32. Non-functioning of Sustainabili In revised COM new Specialist Team After visiting in 34 Partially



Sl.no





Internal Lending increased the trend of idle fund

ty modalities on operation of internal lending will be incorporated.

Time: January 2014

villages, it is found that in 18 villages internal loan has been disbursed on regular basis. Partially resolved.

Resolved

October 2013

33. Occupational harmony not maintained in formation of Producer Group


Regional team will take initiative to reform the groups.

Regional Team Time: January 2013

After visiting 8 villages of Gaibandha district it is found that producer groups have been reformed for maintaining the occupational harmony.

Resolved

34. Sign Boards are not installed in implemented sub-projects

Accountability

Immediate action should be taken to install the signboards.

CF, CTL and DPM Time: January 2014

After visiting in 14 villages, it is found that signboards are not available in 7 villages.

Partially Resolved

35. CISF expenditure related documents found absent

Transparency

Timely update of procurement/expenditure related documents have to be ensured.


After visiting 9 villages, it is found that CISF related expenditure documents are available in all villages.

Resolved

36. Key positions are becoming irregular/defaulter in recovery of IL and SF

Accountability

Field team should take special initiative to resolve the said irregularities.


After visiting in 20 villages, defaulter found from the key positions in 11 villages.

Partially Resolved

37. Fund release service standard not maintained

Cost-effectiveness

In COM revision, uniform time line of fund release service standard has to be incorporated/ ensured.

Specialist Team Time: January 2014

Resolved. Resolved

November 2013

38. Increasing trend of overdue and idle fund hindered the revolving of SF in 2ndgeneration villages


Quick action will be taken to recover the overdue. Learning from three better villages will be disseminated.

Specialist Community Finance, field team Time: January 2013

After visiting in 8 villages, it is observed that in all villages there is a increasing trend of the overdue loan.

Not Resolved

39. Involvement of VO members’ spouses is hampering the VO activities

Governance Immediate Action will be taken to reduce the involvements of spouses on operation of VO activities.

CF, CTL and DPM Continuous

After visiting 25 villages, this issue is not found in any villages.

Resolved

40. Non-compliance of procurement procedures

Transparency

In obligatory cases collection of quotation should be ensured.

Cluster and Regional Team Time: Continuous

After visiting 17 villages, it is found that in 4 villages quotations are not collected during the procurement period.

Mostly Resolved

41. Excessive dependency hindered functioning of the Community Book Keepers (CBK)

Capacity Building

A TOR of bookkeepers will be circulated

SDF HQ Time: December 2013

After visiting in 12 villages, it is found that in 4 villages dependencies on book keepers are excessive.

Mostly Resolved

42. Absence of maintenance of implemented sub-projects

Sustainability

Immediate action will be taken

CF, CTL and DPM Time: December 2013

After visiting in 17 villages, it is found that in all villages, VO’s has taken responsibility for the maintenances of the subprojects

Resolved

Summary of the action status of Rangpur region is given in the table below: Sl. Present follow up status Total %



no of Findings/issues number

1 Resolved 13 31%

2 Mostly Resolved 7 17%

3 Partially Resolved 12 28%

4 On going 02 5%

5 Not Resolved 08 19%

42 100

Summary of the action status of Northern Zone (Jamalpur & Rangpur) is given in the table

below: Sl. no

Present follow up status of Findings/issues

Number of Issues Total %

Jamalpur Rangpur

1 Resolved 10 13 23 25%

2 Mostly Resolved 05 07 12 13%

3 Partially Resolved 19 12 31 33%

4 On going 08 02 10 11%

5 Not Resolved 09 08 17 18%

Total 51 42 93 100



Annex 3: Specific observation on OTR status of Swablombi Rin in fixed villages

A. Jamalpur Region

Month Recoverable amount (Tk.) Recovered amount (Tk.) OTR (%)

Name of village: Khamarsingjani-2, cluster-01, Mymensingh

January’13

February’13

March’13 74712 74712 100

April’13 98956 98956 100

May’13 155584 155584 100

June’13 107712 107712 100

July’13 113696 113696 100

August’13 56848 56848 100

September’13 113696 113696 100

October’13 125576 125576 100

November’13 127468 127468 100

December13 198660 177800 89

Name of village: Panch Khahonia- cluster-05, Mymensingh

January’13 - - -

February’13 - - -

March’13 - - -

April’13 - - -

May’13 - - -

June’13 - - -

July’13 - - -

August’13 - - -

September’13 16225 16225 100

October’13 0 0 0

November’13 111980 110855 99

December13 111980 111980 100

Name of Village: Baniapara, Cluster-02, Jamalpur

January’13 136500 86150 63

February’13 136500 104530 77

March’13 136500 105520 77

April’13 169950 65750 39

May’13 182000 100945 55

June’13 95700 0 0

July’13 90025 24285 27

August’13 108900 40330 37

September’13 108900 38470 35

October’13 86130 25300 29

November’13 79530 37640 47

December13 51700 38665 75

Name of Village: Kazaikata, Cluster-08, Jamalpur

January’13 78760 78760 100

February’13 92620 86020 92

March’13 99110 40312 41

April’13 101640 78210 77

May’13 100870 72170 72

June’13 98340 72040 73

July’13 119707 79100 66

August’13 105641 82800 78




September’13 83270 66550 80

October’13 120230 78950 66

November’13 115170 74750 65

December13 75200 66430 88

Name of Village: Moja Ata, Cluster-10, Jamalpur

January’13 16500 16500 100

February’13 16500 00 00

March’13 16500 00 00

April’13 35200 00 00

May’13 35200 18700 53

June’13 25300 00 00

July’13 25300 16500 65

August’13 18700 00 00

September’13 18700 00 00

October’13 18700 00 00

November’13 18700 18700 100

December13 00 00 00

Name of Village: Kuzghor, Cluster-13, Jamalpur

January’13 38280 33900 89

February’13 31570 31005 98

March’13 70295 66469 95

April’13 58996 47849 81

May’13 68062 64436 95

June’13 17621 17621 100

July’13 68246 64550 95

August’13 37005 34782 94

September’13 66844 55409 83

October’13 35431 30956 87

November’13 68706 50928 74

December13 40853 27692 68

Name of Village: Naldair Purbopara, Cluster-16 Jamalpur

January’13 65340 65340 100

February’13 66880 66880 100

March’13 68420 65010 95

April’13 51920 50545 97

May’13 70840 66990 95

June’13 78265 71665 92

July’13 99495 87230 88

August’13 114895 109285 95

September’13 101310 95975 95

October’13 74745 69740 93

November’13 104555 99055 95

December13 110605 75355 68

Name of Village: Purba Kolospar Uttar, Cluster-03, Sherpur

January’13 - - -

February’13 - - -

March’13 - - -

April’13 - - -

May’13 - - -

June’13 - - -

July’13 - - -

August’13 - - -




September’13 44110 44110 100

October’13 89320 89320 100

November’13 89320 84256 94

December13 89320 79885 89

Name of Village: Brammangathi, Cluster-01, Sirajganj

January’13 4576 4576 100

February’13 13728 13728 100

March’13 46640 44440 95

April’13 76890 73625 96

May’13 80256 80256 100

June’13 81598 53284 65

July’13 104720 69710 67

August’13 21406 16666 78

September’13 85624 33872 40

October’13 85624 52704 62

November’13 90024 45364 50

December13 90024 35536 39

Name of Village: Dhukuria, Cluster-05, Sirajganj

January’13 - - -

February’13 - - -

March’13 - - -

April’13 4200 4200 100

May’13 48375 48375 100

June’13 49975 48774 97

July’13 91925 86265 94

August’13 60365 47800 79

September’13 82865 60985 74

October’13 74975 46460 62

November’13 73325 45100 62

December13 83300 52750 83

B. Rangpur Region

Month

Paschim Hindupara

Adoriapara Teronia Uttor Laxmipur

Laxmir Khmar

Ramkisnopur Purbo Ramjibon

Moddya Hat

Bamunia

Boro Durgapur-

2

Natshal Average

Jan’13 100 - 100 94 99 77 100 77

95 - 93

Feb’13 100 - 100 91 99 72 100 100

98 - 95

Mar’13 100 - 100 94 94 83 100 97

100 - 96

Apr’13 100 - 100 95 94 69 97 99

98 - 94

May’13 100 - 100 85 96 95 97 99

53 - 91

Jun’13 100 - 100 98 95 100 100 79

72 - 93

Jul’13 99 - 100 88 94 100 97 87

89 - 94

Aug’13 100 - 100 68 84 97 96 87 90 - 90

Sept’13 99 - 100 84 83 100 95 63

95 - 90

Oct’13 100 100 97 75 83 88 100 57

96 100

90

Nov’13 100 100 97 75 75 95 95 61

97 100

90

Dec’13 100 100 100 68 84 95 96 66

48 100

86



Annex 4: Specific observation on NJG members used to savings in fixed villages

A. Jamalpur Region

Name of village Percent of NJG members used to deposit savings in ten fixed villages of Jamalpur Region (Jan-Dec 2013)

Jan Feb Mar April May June July August Sept Oct Nov Dec

Kuzghor 88 62 93 100 100 100 100 100 96 51 61 61

Kazaikata 76 58 48 100 48 100 75 75 78 78 60 34

Moja Ata 100 100 100 94 94 94 0 0 0 0 0 0

Baniapara 100 100 100 67 43 53 44 44 53 53 44 55

Brammongati 82 60 73 77 54 55 74 71 64 82 34 19

Naldair Purbopara 88 87 87 68 81 79 83 83 92 92 82 81

Khamarsinghzani-2 92 89 100 100 89 93 87 89 83 91 94 80

Dhukuria 88 78 81 87 68 52 47 34 38 40 42 43

Panch Kahnia 100 100 100 96 100 92 97 100 100 100 100 94

Purbo Kolospar Uttor

97 100 97 100 98 99 97 93 97 86 85 92

Avarage 91 83.4 88 89 78 82 70 69 70 67 60 56

B. Rangpur Region

Month Percent of NJG members used to deposit savings in ten fixed villages of Rangpur Region (Jan-Dec 2013)

Paschim Hindupara

Adoriapara

Teronia

Uttor Laxmipur

Laxmir Khamar

Ramkisnopur

Purbo Ramjibon

Moddya Hat

Bamoni

Boro Durgapur-

2

Natshal

Average

Jan’13 92 72 87 67 76 37 98 85

95 95 80

Feb’13 90 78 85 63 73 41 99 86

93 96 80

Mar’13 94 76 84 68 74 41 97 88

97 100 82

Apr’13 94 76 85 100 77 29 97 80

95 91 82

May’13 92 80 81 54 77 34 96 71

90 89 76

Jun’13 92 70 82 62 70 33 98 67

88 96 76

Jul’13 91 69 75 59 68 30 94 66

85 72 71

Aug’13 88 54 80 50 67 29 89 55

88 60 66

Sept’13 87 74 74 58 60 27 94 51

85 52 66

Oct’13 87 71 73 95 66 23 96 34

81 45 67

Nov’13 87 59 67 94 59 31 86 43

82 52 66

Dec’13 84 53 71 69 63 34 85 42

80 59 64



Annex 5: Specific observation on GS meeting attendance in fixed villages

A. Jamalpur Region

Name of village Percent of GS meeting attendance in fixed villages of Jamalpur Region (Jan-Dec 2013)


Kuzghor 89 89 89 0 89 89 95 100 89 89 0 78

Kazaikata 100 100 100 0 0 89 78 89 89 78 11 89

Moja Ata 89 95 67 67 56 67 67 67 67 67 100

Baniapara 85 89 89 89 56 67 67 89 89 100 78

Brammongati 100 94 89 89 89 89 89 67 72 - 78 0

Naldair Purbopara

78 78 89 78 67 89 100 89 44 84 100 89

Khamarsinghzani-2

100 100 100 100 100 100 100 100 100 100 100

Dhukuria 100 100 100 89 89 89 89 89 78 89 56 78

Panch Kahnia 100 100 100 83 89 89 97 100 100 100 100 100

Purbo Kolospar Uttor 83 100 87 78 78 94 81 71 72 78 78 83

Avarage 94 94 94 67 76 84 86 84 80 86 69 77

B. Rangpur Region

Month

Percent of GS meeting attendance in fixed villages of Rangpur Region (Jan-Dec 2013)

Paschim Hindupa

ra

Adoriapara

Teronia

Uttor Laxmip

ur

Laxmir Khamar

Ramkisnopur

Purbo Ramjibon

Moddya Hat

Bamunia

Boro Durgapur-2

Natshal

Average

Jan’13 100 100 100 100 89 78 100 100

89 100 96

Feb’13 100 100 100 78 89 100 100 100

89 100 96

Mar’13 100 100 100 100 100 77 100 89

93 100 96

Apr’13 100 100 100 100 100 77 100 100

100 100 98

May’13 100 100 100 100 89 78 100 100

100 100 97

Jun’13 100 100 89 100 89 77 100 100

100 100 96

Jul’13 100 100 78 78 100 77 89 100

100 100 92

Aug’13 100 100 100 100 89 77 100 100

100 89 96

Sept’13 100 89 89 100 89 78 100 89

67 89 89

Oct’13 100 89 100 100 89 77 100 89

78 100 92

Nov’13 100 89 89 67 78 77 100 100

89 78 87

Dec’13 100 89 100 100 78 78 100 100

78 89 91

1st ar pm nz january-december 2013

Documents