BISWA

Bharat Integrated Social Welfare Agency

Another step forward…

Annual Report 2006-07

 BISWA Bharat Integrated Social Welfare Agency

Community Empowerment

Micro-enterprise

Annual Report
2006-2007

Health Camp
 CONTENTS

SECTION – 1: ABOUT US
Genesis, Mission, Vision, Code of Ethics
and BISWA Model 6
Chairman’s Reflection
(Looking back and Years ahead…) 7
BISWA- current profile 9
The Advisory Board and Governing Council 14

SECTION – 2: ABOUT OUR FLAGSHIP PROGRAMME

Livelihood Promotion & Social Security
Micro Finance 16
Micro Enterprise 19
Micro Insurance 21
Social Development
Innovative Schools 23
Water & Sanitation 25
Hatibari Health Home 26
Swadhar & Family Counseling Centre 27
Health & Nutrition 29
Waste Plastic Recycling 30
Emergent Sectors 31
Artisan Cluster Development 32
Grain bank 33
Tribal Development 34
Minority Empowerment 34
Disaster Response-Flood Relief 35
Niwano Peace Foundation Project 35
BISWA-Chhatisgarh 36
Civil Society Network
Advocacy, Capacity building, Networking 37
Network members list 38
3
SECTION – 3 : SUCCESS STORIES & GOOD PRACTICES
Success Stories & Good Practices 44 Annual Report
2006-2007

SECTION – 4 : EVENTS, ACTIVITIES & RECOGNITION

Eventful years 2006-07 52
Accomplishments (award and reward) 59

SECTION – 5 : PARTNERS, HR & FINANCE

Partners and Associates 62
Micro-finance Operational Disclosures 63
Future Plans (major thrust areas) 65
Human Resource ( Staff structure ) 66
BISWA Offices 67
Audit Report & Financial statements 69
 BISWA Bharat Integrated Social Welfare Agency

Seminar on Gender Issues

Handicraft Cluster Development

Annual Report
2006-2007

AIDs Awareness Rally

Section - 1
5

About us Annual Report

2006-2007
 BISWA Bharat Integrated Social Welfare Agency

BISWA
Bharat Integrated Social Welfare Agency

GENESIS OUR CODE OF ETHICS

BISWA is a community based organization in the voluntary
sector, working directly with the poor and marginalized. We
are registered under Society Registration Act XXI of 1860
and FCRA-1976. BISWA is also exempted under section
12A and 80G-5(F) of Indian Income Tax Act. Our strategic
focus is to create enabling environment in which people
have access to opportunities- to maximize their potential,
to participate actively in the development process and shape
the present and future of their communities and country.
In accordance with the National Policy on voluntary organizations,
BISWA will:
l Encourage and adopt transparent and accountable systems
of governance and management. Respect and practice internal
democracy and functional autonomy
l Follow legitimate methods to mobilize necessary resources for
programme support and sustenance
l Promote gender equity and social justice in all its programme
initiatives

OUR MISSION l Strengthen constructive relations with civil societies and private
sectors
To make a real and lasting social, economic, psychological l Bridging the gap between government and civil societies.
and spiritual impact on individuals; help build strong
l BISWA will not be involved directly or indirectly in party-based
cohesive communities and generate substantial productive
6 political activities
employment opportunities by increasing the availability of
a wider range of services.
Annual Report
BISWA MODEL
2006-2007

OUR VISION, VALUES & BELIEFS Phase – I Community Mobilizations

Our vision encompasses a just and equitable society with Phase – II Convergence and Integration (MF, ME, MI,
emphasis on sustainable development, peace and harmony, SD), Capacity building, Networking
compassion and spirituality. Our work is inspired by a set
of beliefs that include respect for diversity and human dignity Phase – III Institution building, Good governance,
and opposition to all forms of discrimination. We believe Sustainability
that human development goals can be achieved by joint Phase – IV Civil Society Development, Achievement of
initiatives of an effective state and an engaged civil society. MDG Achievement of BISWA’s short-
We reiterate our faith in the right to development as a basic term GOAL Fulfillment of BISWA’s
human right for all. Mission and Vision
Chairman’s Reflection…
With immense pleasure, I deliver this report of our activities
before you, the stakeholders. BISWA is committed to you
all- the back bone of all our achievements, the strength of
our endeavor and the inspiration behind all the advancing
steps.
You will be happy to note that we are marching ahead to
fulfill the long cherished vision of BISWA. We have many
feathers in our cap, but at the same time, we do remember
the challenges ahead. We are committed to generate 10 lakhs
self-employment opportunities through our various
employment generation programmes by the end of 2011. We
know, the journey is not easy, but our continuous efforts to
reach the goal will fulfill this vision.
Looking back….
I remember the year 1971, when my home district Jajpur
was affected by a severe cyclone. As a student, I rendered
voluntary service of providing relief and shelter to the
affected. I saw the sufferings of the people, especially the
poor. In 1976, I joined the State Bank of India at Khariar in
the newly formed Nuapada district where I observed what
poverty in Orissa meant. It was then that I perceived the
need to start a social service organization. My dreams were
realized on 1st January 1994 with the formation of BISWA
at the nondescript tribal village of Barmunda and
Ghungotipada slum in urban Sambalpur. As fate would have
it, I was given the responsibility of being the Nodal Officer,
Community Services Banking and posted at Sambalpur
Zonal Office to look after the 10 districts of Western Orissa.
This posting was the turning point of my life. My in-depth
involvement with these districts made me determined to stay
back in Sambalpur and pursue my social service objectives.
Initially we concentrated on organizing women into groups
for their empowerment, making them aware of their strengths
and motivating them to take up small ventures on their own.
BISWA initiated thrift and credit activities among the
women, when the SHG movement was not known in the
area. Besides doing plantation with the community’s help,
we also supplied improved stoves and latrines to a few
villagers. The first grant to BISWA amounting to Rs. 25,000
was received from NABARD for running a tailoring centre
at Barmunda.
7
In 1998, we expanded our activities to the neighboring
district of Baragarh and subsequently to Sonepur, Boudh Annual Report
2006-2007
and Deogarh. In the same year, BISWA worked for the
Reproductive Child Health project in Sambalpur district.
In order to empower women with financial freedom, we
formed SHGs among them and encouraged saving and
internal loan among the members. We also realized that our
core competency lay in the SHGs movement. We
concentrated on similar activities in Bargarh, Sonepur,
Deogarh, Boudh and Malkangiri districts. The mega health
camp, organized by BISWA in the year 2002 in Sambalpur
was the most effective programme of those days; more than
10,000 patients were treated with medicine and food for three
continuous days. This programme improved BISWA’s
 BISWA Bharat Integrated Social Welfare Agency

image. In 2002, we became a partner of the Care-Cashe The biggest challenge before us remains the elimination of
project of SHG movements and Microfinance activities for extreme poverty, hunger and capability gaps. We have to
SHPI in Orissa. That was the real turning point and the spread education, training and enterprise for self-
focus on our Microfinance activities in the state strengthened. employment, self-help and sustainable livelihood. Moreover,
we have to empower women and promote equity; and ensure
Ever since its constitution, BISWA has been keen towards
improvement in maternal, adolescent and child health; these
meeting social needs and demands. We decided to act in a
and combating HIV/AIDS, TB, malaria and other
focused and sustainable manner. Soon, Microfinance, Micro-
communicable diseases are among the major concerns. We
enterprise, Micro-insurance and Social Development became
have to conserve common property sources and ensure
the four pillars of BISWA’s plan and programme. We owe
coexistence of ecology and economy. We have to fight
our gratitude to Care-Cashe, Dikonia, My Heart, Smt.
injustice and exploitation, promote human rights and build
Jayshree Mohanty, Sri M R Mishra and many others who
partnerships and alliances for development.
extended to us the required support during the struggle-
filled initial phases of BISWA. Today, we have grown to be BISWA is committed. We have to mold and move our
one of the largest MFIs in the Asian subcontinent with more organization to match the trends of social needs.
than 23,000 SHGs and over 3,75,000 members. Microfinance is just a means for our development strategy,
not the end. All the SHGs we have formed will be federated,
We have crossed borders to extend our services to 10 more
and each of the federations will be linked directly with
states and thus graduated as a national organisation. The
BISWA-promoted NBFC for their micro-credit operations.
reason behind this growth and success is the commitment
BISWA believes in the total empowerment of the
and dedication of my dedicated staff, encouragement from
communities. All members of these federations have to take
various developmental and funding agencies, besides the
up different micro-enterprises for self-employment; thus
support from the people and media. I owe my gratitude to
reducing poverty. These exercises need a lot of training and
all of them.
many capacity-building activities. With an integrated
approach, BISWA will also give emphasis to education,
The years ahead… improvement of skills and techniques in the poor, betterment
8 We understand what our people expect from us. We are also of health conditions, total sanitation( by adoption of villages
and urban slums), waste management (to keep the
aware of the commitments made. We realise our contribution
environment clean) and of course to whatever is needed for
Annual Report
2006-2007
towards the development of the county upholding the
making life smoother.
democratic structure of our country. We have to respect basic
human rights and to contribute our share of efforts to the 8- Yet, along with all these, we need your continuous support
point Millennium Development Goals (MDG). It’s a to fulfill this dream.
challenging task and our plans and programmes are
structured accordingly. The BISWA MODEL, will be the
guiding force towards the fulfillment of this achievement.
[ Khirod Chandra Malick ]
 BISWA Current Profile - Past & Present
Acronym : BISWA MICRO FINANCE
Complete postal address : Danipali, Budharaja
BISWA aims to make financial services available to women from
Sambalpur - 768004,
the lower income group at the lowest possible cost at their
Orissa, INDIA
doorsteps; and revive the roots of banking besides making a lasting
Telephones : +91-663-2533597 social & financial impact on individuals. It is also working towards
+91-663-3096538 generating substantial job opportunities and economic benefits for
+91-9437056453 the society at large.
+91-9861016663
+91-9337300631 Objectives
Tele-fax : +91-663-2533597 l To bridge the gap between demand and supply
+91-663-2520198
l To provide collateral free loan to the poor
E-Mail : b_wa@rediffmail.co
l To bring changes in public policies and practices in favor of
kc_malick@yahoo.com
the poor and deprived, particularly in the areas- economic,
kcmalick@biswa.org
fiscal and social administration
Website : www.biswa.org
l To encourage & collaborate with people and institutions with
objectives similar to those of BISWA mFI
Legal Status
1. Registered under Societies Registration Act XXI of 1860, Ratings: 1. By M-CRIL as ß+
Government of India vide Registration number 20060-41 of
2005-06 dated 01.07.2005 (issued against old registration no. 2. By CRISIL as mFR3
4824-22 of 1996 dated 15.07.1995)
3. By Mix Market ****
2. Registered under Foreign Contributions (Regulations) Act 1976,
Government of India vide Registration number 105060053
dated 05.07.2000 An Overview of BISWA Micro-Finance Sector (31.06.2007)
3. Exempted under section 12 A and 80G of Indian Income Tax No of districts covered 51 (in nine states)
Act Total number of Self Help Groups 23,418
4. Income Tax Permanent Account Number (PAN): AAATB 4843L Total members 3,76,249
5. Registered under Orissa Sales Tax Act
Total Federations formed 191
9
6. Registered under Central Sales Tax Act
Total saving mobilized 154.63 million Rs.
7. Registered under Disabilities Act of Department of Women and Annual Report

Child Development, Government of Orissa Number of loans disbursed 20,739 2006-2007

8. Licensed to export handicrafts Amount of loan disbursed 1,818.046 million Rs.

9. Registered under Indian Labour Act Average loan size 87,663 Rs.
Total outstanding 897.28 million Rs.
Outreach
Rate of repayment (cumulative) 98 %
Orissa-30 districts, Chhattisgarh-16 districts, Rajasthan-1 district,
Uttaranchal– 1 district, Madhya Pradesh-1 district, Uttar Pradesh- Operational Self Sufficiency 115 %
1 district, Nagaland-1 district; West Bengal and Jharkhand through Portfolio at Risk 2%
partner NGOs, and NCT of Delhi. Sector wise distribution (%)

BISWA Agriculture 62

BISWA’s approach for social development is integrated with Micro- Small Business 27
finance, Micro-enterprise and Micro-insurance. It believes in Consumption 11
community laid and community driven institution building. BISWA
Total NGOs supported 33
aims to generate 10 lakhs self employment opportunities by 2011.
 BISWA Bharat Integrated Social Welfare Agency
BISWA NBFC
BISWA started its microfinance activities in 1994. Initially the activity
was concentrated in Sambalpur district. The external credit facilities
to the SHGs were either by directly linking the SHGs to the Banks
or BISWA availing small loans to extend the credit. NABARD was
first apprised of the SHG promotion of BISWA and it extended
promotional grant support. During the year 2002, CARE-India
(Orissa) conducted PACT Study. In June-2002, CARE-India
(Orissa) came up with the Credit and Savings for Household
Enterprise (CASHE) Project to be partnered with BISWA for
Sambalpur District. The main thrust of the partnership was to
promote BISWA’s microfinance program to become a separate legal
entity with increase in the outreach, scale & microfinance program
performance. During the four years of partnership, BISWA was
able to achieve many milestones on the SHG promotion &
strengthening front. The community-based institutions in the form
of small associations called MBTs were formed and legalized. The
journey never ended there. With continuous mentoring and support
from CARE-CASHE team, BISWA could think of legalizing its mF
operation as an NBFC for profit- the first of its kind in Orissa. In
this context, the support of a consulting firm from New Delhi called
Nimbus Consultancy and venture capital by Bell Whether are
noteworthy.
MICRO ENTERPRISE
BISWA has promoted micro-enterprise among the target groups
in its operational area irrespective of their membership in the SHGs
promoted by it or otherwise. The objectives of the Micro-
10 Entrepreneurship development programmes of BISWA are to bring
recognition, legitimacy, respect and opportunity to the 100,000
Annual Report
skilled micro-entrepreneurs in Orissa. It also intends to create a
2006-2007
Micro Enterprise
fair and level playing field for every micro-entrepreneur, so that
they need not be permanently dependent, just because they do
not qualify for mainstream finance.
Objectives
l Imparting skill-development trainings
l Creating community capital base to undertake production and
activities
l Establishing forward and backward linkages for smooth
operation
l Control and development of quality of produce with value
addition
l Export promotion of SHG products
l Networking among firms and Institutions
l Capacity-building of the rural, tribal & urban youth.
l Conducting technological workshops to impart technological
training
l Visits by of experts from recognized institutions
l Workshops on good health & work safety
Common Facility Centres
BISWA has established three Common Facility Centres (CFCs)
for different crafts. They include two CFCs for brass and bell-metal
artisans at Rengali in Sambalpur and Katapali in Bargarh and
another for leaf cup-plate makers at Boudh. The CFCs have been
beneficial for the artisans to produce finer objects with semi-
mechanised process. Common problems like raw-material,
marketing, new designs and finance have been solved.
Cluster Development
BISWA is presently developing 6 artisan clusters- four in Bamboo
and two in Dhokra. The Bamboo clusters include ones at
Jhankarbahali in Sambalpur Kudumulguma and Ghanabeda in
Malkangiri, and Gariabandh in Raipur. The Dhokra clusters of
Kishore Nagar in Angul and Bairapari in Malkangiri have also been
adopted.
Training cum Production Centers:
As of now BISWA has established 14 training cum production
centres in various parts of the state. They include ones on soap,
soft toys, tailoring, Badi and Papad making, weaving, candle
making, sisal fiber craft, Sambalpuri sarees, brass and bellmetal,
readymade garments, paper-plate making, tie and dye, leaf-cup
plate making and bamboo craft.
Micro Enterprise Development Institute (MEDI)
BISWA plans to establish a Micro Enterprise Development Institute
that shall act as a resource center for development of micro
enterprises. The institute shall facilitate forward and backward
linkages for micro-enterprises. It would also promote export of SHG
products. The proposed entity is to be registered as a not-for-profit
company under Companies Act.
SOCIAL DEVELOPMENT
Basic Needs Programme
The Basic Needs programme deals with drinking water, education,
food and healthcare. However the unique aspect of the programme
is its drive to provide all the four needs together and thus uplift the
marginalized to a basic standard of living. The programme was
initiated by Mrs. Joyasree Mahanti, a renowned social worker
residing in Michigan in the USA, after she came in contact with
BISWA in 2002. Since then, she has been working in association
with BISWA for the overall development of 48 villages. Sixteen of
these villages have already been covered and the rest are intended
Blood Donation Camp
Soya Milk Production
to be covered within the next two years. The following thrust areas
have been identified and intervened to better the situation.
l Availability of safe drinking water
l Establishment of innovative schools
l Enhancing health status
l Extension of credit service
l Livelihood support programme for SHGs
Socialization of Leprosy Cured Persons
Padmashree Dr. Isaac Santra, an eminent Gandhian social worker,
established an Ashram for persons affected by leprosy, at Hatibari
in the year 1951. The centre was named after the village as Hatibari
Kusthashram, which later came to be known as ‘Hatibari Health
Home’. The Home provides an opportunity to the leprosy affected
as well as cured persons to lead a normal life with self-respect,
dignity and without the feeling of being socially excluded.
Earlier, the infrastructure available at the Home viz. the cultivable
land, the industrial sheds (for black-smithy/ rope making/ tailoring/
handloom weaving), the fish ponds and the orchards enabled the
lepers to work with confidence and lead a respectable life. However,
11
Annual Report
2006-2007
Rehabilitation Camp
Agro-farming at Hatibari
 BISWA Bharat Integrated Social Welfare Agency
after the demise of Dr Santra, the maintenance of the infrastructure
went down gradually. Subsequently, the Hind Kushta Nivaran
Sangha advised BISWA to take over the infrastructure available at
the Home. Presently, the Home has 192 inmates out of which 97
are male and 95 are females. The inmates are now being imparted
functional vocational training support. BISWA has also involved
three other NGOs in the programme.
Reproductive and Child Health
BISWA, since 1999, has been implementing the Government of
India’s Reproductive and Child Health (RCH) program through its
Bhubaneswar based mother-NGO, My Heart. The activities have
been carried out in 20 Gram Panchayats of Sambalpur covering a
total population of more than 80,000. Till date, BISWA has
implemented programmes pertaining to reproductive and child
health benefiting more than 1,50,000 people across the district.
Similarly in Chhattisgarh, BISWA has covered Nawagarh block of
Janjgir Champa district under its RCH programme. As many as
375 households have been covered under three PHCs with one
each at Bargaon, Kukuda and Rigni.
Health camps
Conducting Health Camps has been an efficient method to ensure
quality in the health standards of the rural mass. BISWA has so far
conducted 76 camps in which almost 12000 persons have been
examined and provided medicines free of cost. Special emphasis
has been laid on population control, and the control of prevailing
diseases in rural and urban slum habitats.
CBD Centers
12
‘Heath for all’ has been a global cry for more than 10 years now.
Responding to this, BISWA in association with the community has
Annual Report
2006-2007
established a Community Based Dispensing system to gradually
empower the community and identify their health needs. In addition
to 10 CBDs covered under RCH, BISWA has established another
110 CBD centres covering Maneswar and Jujumora blocks of
Sambalpur district.
Ophthalmic Care
l 1856 patients were treated in various eye camps of BISWA
l 1626 patients were provided with medicines for their treatment
l 840 patients were provided with spectacles (glasses)
l 362 eye patients were operated in the eye ward of district
headquarters hospital; 562 cataract cases operated.
In a follow up, 94% were found to be successful operations. This
activity was organized in collaboration with National Blindness
Control Programme and the Chief District Medical Officer.
Family Counseling Center
The Central Social Welfare Board, through the State Social Welfare
Advisory Board extended its support to establish a Family
Counseling Center (FCC) covering Sambalpur district. The Center
was established on March 1, 2004. In 2007 alone there have been
as many as 28 cases pertaining to dowry, marital maladjustment,
extramarital affair etc. The subjected families are duly counseled
and a majority of them have overcome their differences.
Swadhar
The Department of Women and Child Development, Government
of India has supported BISWA to establish a SWADHAR home for
destitute women. The home is meant to provide shelter, food,
clothing, medical and legal assistance to the inmates. Besides, it
also provides counseling services and economic rehabilitation. The
home currently houses 50 inmates.
Urban Sanitation Programme
Sanitation within urban limits remains the responsibility of the local
self-governance system, the Municipality or the Notified Area
Council (NAC). Working in association with these bodies, BISWA
has been carrying out sanitation activities at Sambalpur, Bargarh,
Hirakud and Brajarajnagar areas. The sanitary workers have been
organized into Self Help Groups where they are no more
employees. What they do is what they own. The sanitation activities
in the wards under the control of BISWA are done with more
sincerity & involvement and therefore cost less.
Total Sanitation Campaign
BISWA has been identified as the key resource center of Orissa
State Water and Sanitation Mission for Sambalpur, Jharsuguda,
Bargarh, Sonepur, Deogarh, Sundargarh, Mayurbhanj and Boudh.
The broad programme components are:
l IEC Campaign
l Installation of Individual Household Latrines (IHL)
l Building up community level infrastructure for sanitation
By the end of May 2007, BISWA had covered 80 villages in 13
districts and constructed 2000 IHLs. BISWA has ensured
households access to a clean and secure supply of water besides
safe and convenient sanitary facilities.
 Total Sanitation Campaign is also being implemented in the
Nawagarh block of Janjgir Champa district of Chhattisgarh. BISWA
has been maintaining 37 Sauchalayas and Bath Complexes in
Dhanmantari and Sibinarayan area of Chatisgarh. In Chatisgarh
BISWA has constructed 2500 toilets for BPL families. In Swacha
Chatisgarh Abhijan, BISWA already installed 500 latrines to the
BPL families of Ambikapur District

This apart, BISWA has undertaken sanitation training programmes

targeting Anganwadi workers, auxiliary nurses, mid-wives and
Supply of Drinking Water primary school teachers in the target area. Also, 25 village Water
& Sanitation Committees (WSC) have been promoted by BISWA.

Plantation
As a special measure to restore greenery, BISWA has taken up
intensive plantation in its operational area. The programme
concentrates on replenishing existing forest-cover and creating
new vegetation in the wasteland. It has carried out:

l Plantation of 16,500 bamboo shoots in the jungle adjacent to

Jhankarbahali

Waste Plastic Recycling l Plantation of lemon, mango, bamboo, lichee, guava, papaya
and sisal fiber in 196 acres at Hatibari Health Home

l Plantation of lemon saplings at Maneswar

Plastic Recycling Unit

Since long, BISWA has been working for environmental protection;
the latest on the cards being waste management, especially for
the non-biodegradable kind (i.e. waste plastic products). It has
established an environment-friendly waste plastic recycling unit at 13
Sambalpur. The waste plastic materials collected from Sambalpur
and other nearby towns are molded and transported to other parts Annual Report
2006-2007
Unwed mother Urkuli’s marriage with her lover Daktar Bhoi at Swadhar
of the country to be re-cast. The unit gives special attention to
generate mass awareness among the common public about the
plastic use in Sambalpur and nearby areas.

Condensed course school

The Central Social Welfare Board has supported BISWA to
establish and run a school to impart education to school dropouts
and non-enrollees belonging to the age group 10-16. The course
offered is condensed and concerns to girl children alone. The school
has been established at Jahankarbahali village which is situated
in a remote and difficult area, far from heath and education facilities.
Staff Training
 BISWA Bharat Integrated Social Welfare Agency

Intervention for the disabled Networking of NGOs

BISWA and the District Disability Rehabilitation Center (DDRC)
jointly organized an “Identification and Follow-up Camp on
Disability” in different blocks of Sambalpur District where both
community awareness and Parent Counseling programmes were
conducted. As many as, 304 persons with different disabilities were
identified and referred to the District Treatment and Rehabilitation
Center, Sambalpur.
BISWA is also into identifying civil society bodies nourishing similar
dreams with an aim to bring them together and work collectively.
BISWA utilising its available skills, experience, work force and other
resources has been enhancing the capabilities of such NGOs. It
has already established a network of civil society organizations in
Orissa, West Bengal and Chhatisgarh. Presently there are 137
NGOs with the BISWA NETWORK to take up the social
development activities in a partnership model.

Our Leaders

Board of Advisors
Dr. Bhagbanprakash-Chief Advisor, Dr. Debi Prasanna Patnaik,
Sri Bibek Pattnaik, Dr. Diptibala Pattnaik, Sri Maguni Jena,
Sri Raghunath Mishra, Sri Pravakar Rout, Sri Prafulla Kumar
Dhal and Sri Khirod Chandra Malick.
Dr. Bhagbanprakash

14

Annual Report
2006-2007

Sri Khirod Chandra Malick
Governing Council
Sri Khirod Chandra Malick, Chairman, Sri Pahelu Dip,
President, Mrs. Jagadamna Rao, Vice President, Sri Niranjan
Tripathy, Vice-President, Sri Pitabas Sethi, Secretary, Sri Sunil
Kumar Panda , Asst. Secretary, Ch. Bijayabati, Treasurer,
Mrs. Phula Sibil, Member, Ms. Rajasini Sibil, Member and Rahil
Sibil, Member
Section - 2

About our
Flagship
Programme 15

Annual Report
2006-2007
 BISWA Bharat Integrated Social Welfare Agency
Livelihood Promotion &
Social Security
Micro Finance
2.1.1 Micro-finance involves mobilization of savings, extension of
small loans, micro-insurance and essentially an element of capacity
building of the beneficiaries to label them more pre-bankable than
non-bankable. Micro-finance services have been rendered under
different models; Individual lending, Joint Livelihood Group (JLG)
lending, Self Help Group (SHG) lending and Co-operative lending.
The formal financing institutions including banks with international
origin and presence operating in India have a large stake in the
micro-finance sector owing to two main factors; regulatory demand
by the central bank of the country (RBI) to invest with the rural and
urban poor, and a visible strength of the sector in generating a
sizeable profit for the bankers. In the early part of the century,
international development agencies such as CARE launched their
micro-finance programmes in different states, which not only
channeled a large amount of finance to reach the poor, but also
built up capacities of small mFIs in terms of professional approach
to micro-finance.
2.1.2 In 1996, BISWA started forming SHGs, for which, it mobilized
grants from NABARD and linked these to banks for credit. The
same year, it started on-lending activity after receiving loans from
the State Bank of India amounting to Rs.10,000 per borrower. In
2002, BISWA entered a successful partnership with the Credit and
Savings for Household Enterprises (CASHE) programme of CARE
India, which has given a thrust to its microfinance programme.
16 As of March 2007, BISWA has presence in ten states. Its operational
geographies cover all the 30 districts of Orissa and 18 districts of
Chattisgarh. Though it has only 42 branches, it operates in a
Annual Report
2006-2007
number of districts and states through partner NGOs and Mutual
Benefit Trusts (MBTs). During 2005-06, the NGO-MFI piloted the
microfinance programme in six new states, namely, Rajasthan,
Madhya Pradesh, Uttar Pradesh, West Bengal, Jharkhand and
Nagaland, with the help of partner NGOs. Going forward, BISWA
plans to intensify its microfinance operations in these states. The
NGO-MFI also started its microfinance programme in Bihar in June
2006.
BISWA lends to SHGs, NGOs and MBTs. MBTs are networks of
SHGs in a village. These MBTs are registered as trusts under the
Indian Trust Act, 1882. Each MBT has 11 to 50 SHGs (each SHG
consisting of 10-20 members) as its members. BISWA lends to
SHGs at a rate of 20 per cent per annum (on a declining balance
basis), and to MBTs and NGO partners at 15 per cent per annum
on a declining basis (until September 2006, the lending rate was
13 per cent per annum).
These MBTs and NGOs lend to SHGs at the same rate. As of
March 2007, though BISWA had promoted 164 MBTs, it had given
credit to 26 MBTs only; its loan outstanding in this segment was
Rs. 88.89 million. Moreover, it has a partnership with 83 NGOs
across three states – Orissa, Chattisgarh and West Bengal. As of
March 2007, it had outstanding loans of Rs. 85.97 million towards
its NGO partners.
As on March 2007, BISWA had 22,768 SHGs on its rolls (including
federated SHGs), covering 19.718 villages with a loan outstanding
of Rs. 856.22 million (own portfolio of Rs. 276.43 million and
serviced portfolio of Rs. 579.79 million) from 192,810 borrowers.
Out of Rs.942.19 million outstanding (as on 31 March 2007), 82
per cent was towards the SHG segment,5 per cent towards the
partner NGO segment, and the remaining 13 per cent towards the
MBT segment.
2.1.3 Promotion of Federations of SHGs
During 2005, as a consolidation process and a part of the expansion
plans, the Self Help Groups were formed into Self Help Federations.
Each Federation would have 11 to 50 SHGs operating in a compact
geographic area as its constituent member and would have its
legal entity as a Mutual Benefit Trust under the Indian Trusts Act.
By the end of September 2006, 98 such Federations were formed
having 2829 SHGs as constituent with 34,064 members and 28
out of them have already been registered under the said act.
Features include:
l It is a client-owned and managed institution with authorized
legal status
l It is a bigger platform to address social and other common
issues
l It is also a common platform for sharing experiences,
knowledge and skills
l Empowerment of SHGs and development of leadership quality
l Bringing SHGs to a common mindset
l Minimizing operational cost
l Creation of a profit center at community level
l Empowering community members to address their socio-
economic needs at their own level
l Utilization of capital of the SHGs rather than keeping them idle
with a bank or other institution
l Close monitoring of SHGs
l Ensuring sustainability of SHGs
l Use of leadership quality, and conflict resolution
l Recognition of local resources and its use for development
l Value addition to traditional activities
2.1.4 Promotion of Non-Banking Financial Company (NBFC)
Pursuing the road map prepared in 2003 for BISWA micro-finance
programme, a Non-banking Financial Company (NBFC) was
established to cater to the financial needs of the clients: the
Federations promoted by BISWA, the SHPIs and BISWA. Under
BISWA’s present legal status, it is very difficult to meet the financial
needs of the promoted SHGs, the promoted Federations and the
SHPIs. This is due to the volume and enhanced intake capacities
of the clients and the growth plans of the organization in the next 5
years.
Gradually, steps were taken for the new entity and advice was
sought from experts and consultancy firms. For the Business
Development Plan of the new entity, assistance was availed from
Nimbus Consultancy Pvt. Ltd, New Delhi. Similarly, legal assistance
was hired from Mr. V. Nagarajan, Chartered Accountant, New Delhi.
Following the experts’ opinion and constraint of equity deposit of
Rs. 2 Crores with RBI for registration of a new NBFC, BISWA
decided to take over an existing NBFC titled “Credible Securities
& Finance Pvt. Ltd’’, registered within the meaning of Section 2
(35) and 3 (1) (iii) of Company Act 1956, having its registered office
at New Delhi.
To know the financial and legal status of any existing NBFC, due
diligence needs to be exercised which was done for “Credible
Securities & Finance Pvt. Ltd’’ by Nagarajan & Co., Chartered
Accountants; and analyzing the status and the recommendation
of Nagarajan & Co., BISWA took over “Credible Securities &
Finance Pvt. Ltd” a Delhi based NBFC. An agreement was reached
450,000
SHG MBT NGO 400,000
350,000
300,000
5
13 250,000
SHGs
200,000
150,000
100,000
14,338
50,000
82
-
982
2002-03
Growth in terms of numbers of SHGs/ members over last 5 years
for the takeover. As per the guidelines of RBI, the NBFC needs to
have a paid-up capital of Rs. 2 crores. For the equity part, invaluable
support from some NRIs in the form of a loan fund amounting to
Rs. 51 lakhs was extremely helpful in taking over the NBFC. With
this loan fund, BISWA was able to generate the major equity of Rs.
76.5 lakhs (including the loan fund from the NRIs) and Rs. 73.5
lakhs was generated from Bellwether Micro Finance Fund (A
Netherlands-based Institution) which took the paid-up equity up to
Rs. 1.5 crores. With Rs. 2 crores convertible debt from Bellwether
Micro Finance Fund, the NBFC’s capital now stands at Rs.3.5
crores.
The lending structure of this NBFC will be:
l Lend money to BISWA.
l Lend money to BISWA-promoted Federations
l Lend money to network NGO-MFIs involved in micro finance
activities.
By 2010 BISWA will have a portfolio of 250 Crores while BISWA
NBFC will have a portfolio of Rs.200 crores. Gradually the portfolio
at BISWA will go on decreasing from the year 2010 while the
portfolio of BISWA NBFC will increase. By the year 2015, BISWA
will have a portfolio of around Rs.5 crores that will be with respect
to the newly promoted Self Help Groups that would not have been
federated.
In due course of time, the NBFC met all paraphernalia/ compliances
and submitted all the forms in prescribed formats to the RBI, the
Registrar of Companies and to the Ministry of Company Affairs for
the smooth operation of the NBFC. The NBFC has also applied for
the change of its title from ‘Credible Securities & Finance Pvt. Ltd’
to ‘BISWA Micro Finance Services Pvt. Ltd’.
Although the NBFC was taken over on 5 April 2006, due to these
legal compliances it could extend a loan on 16 November 2006 to
its first client “BISWA Self-Help Federation Dhankauda-01”, to the
tune of Rs. 89 lakhs. 17
Annual Report
2006-2007
365,325
Members 186,478
71,845
33,522
22,768
2,265 4,699 12,437
2003-04 2004-05 2005-06 2006-07
 BISWA Bharat Integrated Social Welfare Agency

A Glimpse of BISWA’s Micro-Finance Programme as of 31 March 2007

Delivery channels 1. Self Help Groups (SHGs)

2. Self Help Federations (SHFs)
3. Self Help Promoting Institutes (SHPIs)
No. of SHGs Total SHGs 22,768
Total members 365,325
Total SHGs credit linked 19,994
Total members credit linked 253,737
Total SHGs having outstanding 15,170
Total members having outstanding 192,810
No. of SHFs Total SHFs 196
Total SHFs credit linked 26
No. of SHPIs Total SHPIs credit linked 83
Total SHPIs having outstanding 83
Extension of credit Total credit extended during the year 1103.76 mn.
Total outstanding end of FY 942.19 mn.
Some key ratios Operational Self Sufficiency 118%
Debt Equity Ratio 11.25
Return on Performing Assets 17.6%
Yield on Portfolio 17.3%
Cost per Unit Money Lent 0.36p.
Average portfolio per credit officer 3,520,929/-
Average loan size 87,615/-
Portfolio at risk 0.3%
Insurance Coverage Life Insurance 60,196
Health Insurance 153,223
Assets Insurance 62,178
Financing Institutions Linked 1. State Bank of India
2. Rashtriya Mahila Kosh
3. ICICI Bank Ltd.
18 4. HDFC Bank
5. UTI Bank
Annual Report
6. ABN Amro Bank
2006-2007
7. National Minorities Development Finance Corpn.
8. Friends of WWB of India
9. Small Industries Development Bank of India
10. Credible Securities & Finance Pvt. Ltd.
11. United Bank of India
12. Swayamsree
13. SDCC

2.1.5 Impact of the programme

l Change in expenditure pattern.
l The intervention has enabled households to spend adequately
on the education of children, address health issues, better
housing conditions and above all, save for rainy days.
l Reduce vulnerability to social exclusion and poverty
l Assets creation
l Enhanced status of women
l Participation in social & political process
l Collective efforts for various social issues
l Elevation from being housewife to entrepreneur
Micro-Enterprise

2.2.1 India is being recognized as a country that has the potential
to emerge as a superpower and only economic prowess can
accelerate its journey to the group of developed countries. However,
a country recognized for its economic potential, also shares the
distinction of being the country with the largest section of people
below the poverty line. India seems to be inhabited by two kinds of
people living far apart.
Micro-enterprise is one of the initiatives to provide support and
develop effective strategies to improve the livelihood situation of
the poor. Generally, micro-enterprise refers to a small scale
business unit that starts with a budget between Rs. 25,000 to Rs.
75,000 and operates within this range.
Micro-enterprise aims at reducing poverty by providing
opportunities for self-employment and developing skill and
entrepreneurial attitude. Micro-enterprise is responsible for the
betterment of SLF model (sustainable livelihood framework) in
clusters/communities. It covers the all round development of various
livelihood assets (social, natural, physical, financial and human).
2.2.2 BISWA has already optimized resource support to more than
one lakh skilled micro–entrepreneurs in Orissa. It aims at creating
entrepreneurial attitude, reducing income poverty and generating
opportunities for self-employment. BISWA is into promotion of the
Micro Enterprise Development Institute (BMEDI), a resource center
for developing micro-enterprises. Besides promoting agro and
forest based micro-enterprises, three common facility centers for
artisans have been established at Rengali, Kantabanji and Balkati
(in Sambalpur, Bargarh and Boudh districts of Orissa).
2.2.3 Objectives of BISWA in micro-enterprise
l BISWA aims to reduce poverty by encouraging
entrepreneurship with focus on rural development and gender
equality.
l To enhance the human and institutional capacities required to
foster entrepreneurial dynamism and productivity.
l To organize rural artisans by networking them and spread
awareness on skillful business practices and knowledge on
market strategy.
l To set up a production centre for local and international
requirements with the available natural resources and skill.
l Empanelled master craftsmen in as many as 33 trades and
assured to support producer SHGs not promoted by BISWA.
2.2.5 Laxmipriya
BISWA has its own production unit called Laxmipriya. It is a chain
of marketing outlets that facilitates marketing of SHG and micro-
enterprise products. More than 1000 SHGs are linked to the
Laxmipriya chain which sells more than a hundred kinds of items
such as tailor-made garments, handicrafts and handloom ,brass
and bell-metal, Dhokra, processed food materials, leaf plates/cups
etc.
Poverty is often related to inadequate income, lack of livelihood
and employment. Micro-enterprise provides access to credit and
covers the larger part to support these three types of micro
enterprises.
l Home-based producers– produce items such as; candle, soap,
badi, papad, etc.
l Petty traders – Small, seasonal vendors of vegetables and
fruits
l Employment – provides services for the youth, who may be
engaged in activities such as doing local laundry, catering etc.
2.2.6 Training cum Production Centers (TCPC)
BISWA has developed a chain of training and production centers
to facilitate micro-enterprise training and productions in various
regions. Those are:
Soap Making: At Budapada village of Baduapali GP, Maneswar
Block, a soap production cum training unit has been formed with
financial assistance provided by one of BISWA’s allied organizations
in USA. The unit produces 200 kgs of washing soap per day and
can impart training to 20 trainees in a single batch. The unit was 19
established in February 2004. Presently the capacity utilization is
65% in terms of production and 80% in terms of imparting training.
The produce is distributed through wholesale and retail. Annual Report
2006-2007

2.2.4 Progress/Achievements
l BISWA has created direct employment opportunities for 67,814
persons and indirect opportunity for around 47,137 persons.
l It has established training cum production centers at rural and
urban locations and extended a credit limit of Rs 37 million to
artisans.
Soap Making
 BISWA Bharat Integrated Social Welfare Agency
Badi-Papad Making: The products of this unit located at Kamli
Bazaar of Sambalpur Municipality are marketed under BISWA’s
own brand name ODDISSI. The unit trains women entrepreneurs
and rehabilitates successful trainees as production assistants in
the unit.
Soft toys making: This unit is situated at Kamli Bazaar and has
been operating since 2002. Since its inception, it has trained 84
ladies in the trade and rehabilitated 14 women in the center. Around
20 women of a minority community are being trained at a satellite
unit established at Pensionpada, Sambalpur.
Candle Making: This unit functions at Hatibari Health Home for
the economic rehabilitation of the leprosy cured persons. Since
2002 the unit has trained 33 persons in the trade. It produces fancy
as well as utility candles for the local market.
Tailoring Unit: This unit operates as a local intervention. It provides
training to newcomers and then provides the trainees with
employment opportunities. In the past year, the unit has imparted
sewing and embroidery training to 23 women from Sambalpur urban
area.
Weaving Unit: This unit functions from Hatibari Health Home and
provides training as well as employment opportunities as a
rehabilitation measure. With minimum input, the inmates are able
to produce and market clothing for households at a reasonable
price.
Leaf Cup/Plate Unit : This unit utilizes locally available Siali leaves,
a minor forest product. It engages 20 lady inmates of the Health
Home in the making of leaf-cup/plates with the help of machines,
which caters to the local market on demand.
Bamboo Craft Unit : With an aim to promote the traditional
handicraft in bamboo, 120 artisans have been formed into 12 Self
Help Groups at Jhankarbahali and are being given latest inputs to
produce quality products with optimum use of raw materials. With
support from NABARD and the Government of Orissa, under its
20
Skill Development Program; the targeted people were imparted
skill development training. Training has been imparted to members
Annual Report
2006-2007
Papad Making
of 7 SHGs in Kudmulguma and 5 SHGs in Ghanbeda of Malkangiri
district in bamboo craft trade.
Sisal Fiber Unit: BISWA has established a training cum production
unit for Sisal Fiber at Hatibari Health Home. Fiber is obtained from
Sisal by an extractor, which can then be used to make various
utility and decorative items. The product has a high demand in
local as well as national markets.
Sambalpuri saree unit: Sambalpur is famous for its handloom
sarees. BISWA has established a saree weaving training cum
production center at Katapali of Bargarh. This unit imparts training
to around 100 traditional artisans and has ensured sustained
income for the traditional artisans of the area.
Brass and Bellmetal Unit: BISWA has established training cum
production center for brass and bellmetal artisans in Katapali,
Bargarh. With support from NABARD, this unit imparts training to
around 100 metal craft artisans under Rural Entrepreneurship
Development Programme. A Common Facility Center is to be set
up at Katapali in the Rengali cluster.
Readymade Garments Unit: The unit provides training to the SHG
members of Diptipur, Bargarh on readymade garments. So far
around 68 members from a minor community have received training
and are earning their livelihood successfully.
Tie and Dye unit : The Tie and Dye unit has been imparting training
to SHG members at Bheden and Marikel of Bargarh district.
2.2.7 Cluster Development
BISWA has been following the cluster model of development to
address the needs of the people in project areas. Three villages-
Ganesh Nagar, Rampela Camp and Chauladipo have been
adopted under the cluster building programme. The artisans have
been greatly benefited by the Common Facility Centers set up in
these villages.
l Bamboo cluster at Jhankarbahali, Sambalpur
l Dhokra cluster at Kishorenagar, Angul
l Dhokra cluster at Bairapari, Malkangiri
l Bamboo cluster at Kudumulguma, Malkangiri
l Bamboo cluster at  Ghanabeda, Malkangiri
l Bamboo craft (kandi) in Gariabandh of Raipur district (focusing
Kamar tribe)
2.2.8 Impact of the Programme
BISWA has till date assisted 4,259 entrepreneurs in self
employment and engaged 596 wage earners. The organization
has also created indirect employment opportunities for a population
of around 16,693 in rural areas by way of encouraging agro-
horticulture, promotion of handicrafts and encouraging petty
businesses.
Micro-Insurance

2.3.1 Micro-Insurance is the recent intervention in the development
sector. It is the provision of Insurance to low-income families. Poor
households are especially vulnerable to risk, in both the form of
natural calamities as well as more regular occurrences of illnesses
and accidents. Micro-finance institutions (MFIs) have played an
active role in reducing or protecting them against such situations
by providing credit for increasing income-earning opportunities;
and by providing savings services to build up resources that can
be utilized in cases of emergencies. However, such events still
translate into crisis for many poor households and erode the
economic gains they have made as clients of microfinance
programs. Credit and savings services are inadequate when
households are exposed to risks that cause losses beyond their
means. Insurance can serve as a promising response to such client
needs. Today micro insurers are providing different forms of
insurance for life, health, property, disability, agriculture (crop) etc.
Poor households pay a small premium for a limited coverage in
the event of losses.
As one of its development interventions and as a social security
measure, BISWA covers its clients under three micro-insurance
schemes.
l For Life with LIC’s Janashree Bima Yojana (JBY) and
with TATA-AIG;
l For Health with ICICI Lombard; and
l For Assets with Oriental Insurance Company
BISWA’s continuous pursuance has resulted in a massive growth
in its micro-insurance operation. As a recognition of BISWA’s
pioneering work in the field of micro-insurance, it was conferred
the national award by Planet India and ING Vysya Bank in 2007.
Three departments are working in BISWA Insurance cell
l LIC insurance cell
l ICICI Lombard insurance cell
l Tata AIG insurance cell
2.3.2 LIC insurance cell
BISWA initiated this cell in 2003-2004. This cell provides insurance
to people in the age group of 18-60 years in rural areas. Facilities
provided under this scheme:
l The nominee gets Rs 30,000 on natural death of the
policyholder and Rs 75,000 in case of accidental death.
l In an accident case with total disability, the policyholder gets
Rs 75,000.
BISWA has developed the social security of people by convincing
the SHG members to be insured. The organisation has covered all
30 districts in Orissa. A total of 69,250 members are covered under
this scheme.
2.3.3 ICICI Lombard health insurance cell
BISWA started this cell in October 2005. BISWA is working as the
partner organization of ICICI Lombard in implementing the health
insurance scheme in Orissa. It helps disseminate promotional
materials, product literature and helps in monitoring the scheme.
Each member has been offer a bouquet of four products. As of
now, 1,53,262 members from various SHGs are being covered
under the health insurance scheme.

BISWA’s Micro-Insurance Coverage and Benifits 21

Sl. Insurance Details of policy Premium details by Support provided
No. Company coverage the SHG members by BISWA Annual Report
2006-2007

1 LIC Life coverage

1. Janashree Bima Yojana Rs. 100 per annum Role of Insurer and intermediary
2. Scholarship for 2 children No extra premium facilitation for early claim settlement
2 ICICI Lombard Health coverage Rs. 325 per annum Role of Insurer and intermediary
facilitation for early claim settlement
3 Oriental Insurance Assets coverage Claim from Role of Insurer and intermediary
1. Janata Personal Accident Policy Rs. 50,000 to facilitation for early claim settlement
Rs. 1,00,000
2. Kisaan Package Policy Rs. 60 to Rs. 250
3. Shopkeepers Insurance Rs. 60 to 250
4. TATA-AIG Life coverage Role in Insurer and intermediary
Sampoorna Bima Yojana As per the age but facilitation for early claim settlement.
sum assured is Advance premium payment, if
Rs. 10,000 necessary
 BISWA Bharat Integrated Social Welfare Agency

BISWA’s Micro-Insurance Achievements

Sl. Police Insurance Company Total clients covered Number of claims Claims settled and
No. Coverage and when started up to Sept’07 made upto Sept’07 payment received

1 LIFE LIC 69,250 78 58

March 2003 Rs. 13,40,000
2 LIFE TATA AIG 5,106 NA NA
June 2007
3 HEALTH ICICI Lombard 1,53,262 314 204
January 2006 Rs. 12,42,334
4 ASSETS ORIENTAL 62,178 14 5
February 2006 Rs. 8,21,357

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Annual Report
2006-2007

TATA-AIG Insurance officials field visit Oriental Insurance Awareness Workshop

Social Development
Innovative School
2.4.1 Aims and Objectives
Aiming at furthering the goal of education, change and social
development in Sambalpur, BISWA with the help of “Asha for
Education”, a philanthropic trust in USA and friends from
abroad, launched 20 schools in rural Sambalpur and Kalahandi
titled the “Innovative Schools”. These schools were
conceptualised with the vision of undertaking support, sponsor
study and spread education in its different forms. It aimed to;
l Impart all types of formal & non-formal education with constant
search for innovative ideas & techniques.
l Facilitate total development, in body, mind and spirit through
provision of external stimulation based on the inner urge and
motivation of target groups.
l Development and strengthen the necessary institutional
framework in rural & tribal areas which will initiate, promote &
sustain the objective of education & social transformation.
l Establish open communication channel between people and
policy makers.
l Equip children with the knowledge necessary to become active
participants and positive contributors to their communities.
l Provide children with a joyful and creative school atmosphere
that incorporates the education and skills relevant to a
meaningful and dignified existence.
A frend from USA discussing with school children
2.4.2 Activities
These schools impart elementary education from class one to
seven according to the state course curriculum. In addition,
traditional systems in land-use, water-use and water harvesting,
agriculture, animal care, food preservation and herbal medicine
are taught. A host of other activities like bamboo work, pottery,
and broom-making have invariably proved to be ecologically sound
and innovative for the students.
BISWA attempts to prove that traditional systems are extremely
important even in the so-called world of modern science and
technology.  Their ecological rationality remains valid even in the
modern context.  School children and the illiterate villagers know
their environment very well and experts in fact should learn some
basics from the villagers. The students are made aware of their
livelihood pattern and its impact on the environment and ways and
means of regenerating the lost component. The schools run from
7 AM to 10 AM on every working day and each school is managed
by a single teacher. The students are provided with a mid-day-
meal consisting of a balanced diet, as healthy children are effective
learners. The students are also supplied with study materials free
of cost. Girl students, who get promoted from these innovative
schools are distributed cycles, so that they can commute
comfortably to different schools for further studies.
2.4.3 Monitoring & Evaluation
To continue in the right direction and implement better strategies, 23
there will be a half-yearly evaluation of the project’s progress, which
would indicate the position of BISWA on the set objectives. This Annual Report
evaluation may suggest a need to change the plan of action charted 2006-2007
at the beginning of the project.
2.4.4 Project sustainability
Mrs. Joysree Mohanty (NRI), the promoter of this project has
already raised the required funds through generous donations
made by several US based non-resident Indians. She has also
ensured proper utilization of the donated funds as well as effective
implementation of major plans. During project implementation,
BISWA has sensitized the villagers about the advantages of being
educated and their responsibilities in securing the future of their
children. Meanwhile BISWA through its micro-credit support has
been improving the standard of livelihood by supporting the families
of these students through several income generation activities. In
the long run, BISWA plans to motivate the village community to
contribute towards the running of these schools on their own.
 BISWA Bharat Integrated Social Welfare Agency

2.4.5 Details of the Innovative Schools

Sambalpur

Sl. No. Location of the School Grampanchayat Total students Classes Started on

1 JHANKARBHALI Baduapalli 59 I to V 15 December ‘02

2 RATHIPADA Baduapalli 20 I to V 15 December ‘02
3 TANGARJURI Baduapalli 31 I to V 15 December ‘02
4 BUDAPADA Baduapalli 28 I to V 15 December ‘02
5 KANKUDIPALLI Batemura 42 I to V 15 November ‘03
6 MENDALIPALI Baduapalli 45 I to V 15 November ‘03
7 KUNDEBAHAL Baduapalli 19 I to V 15 November ‘03
8 BOLBANGA Dakara 27 I to V 15 November ‘04
9 ANTAPALLI Baduapalli 30 I to V 15 December ’04
10 BALARANGA Batemura 34 I to V 15 December ’04
11 BASUNMURA Sahaspur 30 I to V 15 December ’04
12 JADULUSINGH Dakara 30 I to V 15 December ‘04
13 MAHULPALLI Baduapalli 50 I to V 15 December ‘04
14 MATIKHAI Batemura 28 I to V 15 December ‘04
15 KANBAR Huma 27 I to V 17 January ‘05
16 TABLOI Degaon 40 I to V 25 December ’06
17 BABUPALLI Jujumara 26 I to V 25 December ’06
18 Dharakhaman Dakara 40 I to V 17th January ‘07

Kalahandi

Sl. No. Location of the School Grampanchayat Total students Classes Started on

1 RUDIPADA Rugidipa 36 I to VI 6th February’06

2 GOHIRAPADA Takarla 42 I to VII 6th February’06

24

Annual Report
2006-2007

Prayer meeting Personnel counselling Soya milk breakfast

Water and Sanitation Mission
2.5.1 Orissa has a population of around 37 million of which 86%
live in rural areas (Census 2001). Less than 20% of the rural
population of the state has access to protected water. While less
than 1% have an access to piped water supply, less than 5% have
access to sanitation. Lack of access to safe drinking water is a
major factor leading to health and loss of productivity. BISWA has
striven to prove that communities can lead a healthy and dignified
life by working together to address the issue of water supply and
sanitation.
2.5.2 BISWA’s Approach
l Provide drinking water and sanitation facilities to every rural
household and thus, develop the quality of life in the state
through collaboration with the Governments of Orissa and India
for their programmes.
l Ensure that each household in its operational area has access
to safe drinking water and convenient sanitation facilities
through water and sanitation programme.
l Every household be equipped with separate sanitation facilities
and should have a source of clean and safe drinking water.
l Hygiene promotion in schools to create conditions where
children themselves are agents of change in their families,
community and living environment
2.5.3 Broad Program Components of BISWA
l IEC Campaign: An integrated approach for maintaining the
health and hygiene in rural areas. Bhubaneswar based BGVS
(Bharat Gyan Vigyan Samiti) has been selected to act as the
state co-coordinating agency for the IEC project.
l Installation of Individual Household Latrines (IHL)
l Building community level infrastructure for sanitation
2.5.4 Awareness Campaign
l Diseases and infections resulting from contamination of water
l Drinking water supplies that contain high amounts of certain
chemicals (like arsenic and nitrates) causing serious health
conditions.
Individual Household Latrine
l Reckless over-consumption and misuse
l Restrict pollution of natural and ground water sources
l Check depletion of underground water levels
2.5.5 Swajaldhara
BISWA plays a key role in successful implementation of the
Swajaldhara programme at various locations in its area of operation
on priority basis.  BISWA has launched the Swajaldhara programme
in 40 villages of Maneswar Block, and has targeted to cover another
50 in 22 districts by the end of 2007.
2.5.6 Construction and Maintenance of Souchalaya
Apart from water sanitation program, BISWA is also involved in
construction and maintenance of Janata Souchalaya in Orissa.
Recently, BISWA completed the construction of Janata Souchalaya
at Atachakipada, Burla with strong collaboration with the Health
and Urban Development Departments of Orissa. At present, BISWA
maintains 37 souchalayas cum bath complexes in Dhanmantari
and Sibinarayan area besides constructing 7 new souchalayas in
Chhattisgarh. BISWA is also into construction of individual low-
cost sanitation (ILCS) units in the slum areas of Birgaon and Raipur
in Chhatisgarh. It has already constructed 2500 toilets for BPL
families where the sanitation facilities were lagging behind. In the
Swacha Chhattisgarh Abhiyan, BISWA has installed 500 latrines
for the BPL families of Ambikapur District.
2.5.7 Roof Top Water Harvesting Structure
Roof top water harvesting is highly encouraged in BISWA’s
operational area. A RTWHS has been constructed at Jujumura
girl’s high school of Sambalpur and handed over to the
management committee for proper maintenance. More RTWHSs
are being encouraged in other areas.
25
2.5.8 Water Harvesting Structure (WHS)
BISWA is taking initiatives to encourage construction of water-
harvesting structure in the rural pockets of Western Orissa to Annual Report
2006-2007
increase surface storage capacity. This will lead to increase in
groundwater level and easy availability of water during off-season
for human consumption.
2.5.9 Management activities & Micro credit initiatives towards
water & Sanitation
BISWA provided micro credit facilities to the SHGs for the
construction of toilets. It also provided loans for drinking water
program for BPL and APL families in rural areas. The village health
and water sanitation committee that undertakes the management
consists of members of Self Help Groups and PRI members of the
village with close collaboration with BISWA. Sanitation loan were
also provided through SHGs and village sanitation committee to
make the programme a complete success. BISWA has already
constructed 2,000 Individual Households Latrines(IHL) in many
villages of twelve districts of Orissa.
 BISWA Bharat Integrated Social Welfare Agency

Hatibari Health Home

2.6.1 Lepers have sores and wounds on their bodies. But, these making, handloom weaving and sisal fiber work, it has revived
ugly wounds of society are seldom cured. The best they receive gainful employment and hope of life for them. By providing them
from family, friends and neighbors is rejection. The disease called with an enhanced stipend of Rs 250 and a decent meal consisting
leprosy affected more than just the body. It bought immense mental of rice, dal and curry, it has striven to raise their standard of living.
pressure resulting from the unemployment, loss of respect and This is reflected in their level of confidence.
eventual inequality. Only death could free them from a life of Of the 102 acres of land available for cultivation, only 5 acres had
begging and hiding. But that was when Hatibari had not proved been utilized. BISWA’s efforts brought another 81 acres under
itself. productive utilization. 46 inmates are engaged in agricultural
An inspiration spread over 563 acres of rural hinterland amply activities. Such small farming and manufacturing activities
demonstrates the strength of human will. Turning the tables, BISWA constitute micro enterprise development.
has healthy people following rehabilitated patients cured of leprosy, Proper training for manufacturing and development of work-related
inspired by the success of Hatibari Health Home in socialization of skills has made them experts in practices like agriculture,
these real untouchables. Every aspect of this Home is worthy of pisciculture, goat-rearing, cloth weaving, sisal work, candle making,
recognition and replication. toy making etc,. For this, they receive wages ranging from Rs 350
The center has been unique from its very inception. The founder, to Rs 150.
Dr Santra had foreseen an economic backbone for the inmates of Credit linkages have been established with formal financing
this home. Therefore, along with the usual barracks and medical institutions for extension of credit to the members of the SHGs
facilities, one sees a planned layout aimed at improving the financial under DRI scheme of the State Bank of India, Hatibari. The three
condition of the cured patients. From 1951 until his death in 1968,
SHGs formed by BISWA among the women at the Health Home
Dr Isaac Santra nurtured the home and saw it grow beyond
and one in Santrapalli (a village outside Hatibari for completely
proportions. When the upkeep started suffering in the subsequent
cured people) have regular meetings and awareness sessions.
years, the organisation then in control of the home seriously
reviewed the situation and suggested steps. Consequently, BISWA 2.6.2 Basic Statistics: Hatibari
took over the charge under mutually agreed terms and conditions.
Gram panchayat Nrusinghagarh & Jhankarbili
Block Jujumara
District Sambalpur
Distance 25 kms from Sambalpur city
Capacity 194
Total inmates 192
Males 97
Females 95
26 Hospitalization ward (beds) 20 (Male-12 Female-8)

Annual Report Description Total

2006-2007

Cultivable land 102 acres

Residential land (Two colonies, barracks,
Statue of the founder Dr. Isaac Santra at Hatibari Health Home kitchen, hospital, roads, etc.) 149 acres
Forest coverage 200 acres
BISWA found much of the infrastructure in shambles and morale Tanks (four) 26 acres
among the inmates extremely low. The sheds meant for industrial Land available to BISWA for agriculture /
activity, cooking and residence were dilapidated and needed repair. horticulture purposes 86 acres
The income-generation programmes had lost steam and Total Area 563 acres
government aid was meager. Of the four industrials sheds, only
two were usable. Five of the 17 looms were dysfunctional and all
10 sewing machines were useless. With no proper backup for Involvement of inmates in various income-generating activities:
earning, the inmates once cured of the disease went back to beg. Goat-farm 03 Cow-shed 06
The restoration of dignity was still incomplete. Rope-making 07 Sisal fiber
BISWA, in its short span of management has set the wheel of Candle-making 03 Weaving 13
change turning. Through training and production facilities in candle- Agriculture 46 Other 33
As the lease period has been extended by 3 years, BISWA has
proposed certain activities with an intention to make the Home
self-sustainable.
l Agro-forestry to be the prime concern
l 5000 saplings to be planted in the existing forest land and
orchards
l Provide adequate infrastructure such as irrigation/ water
harvesting structure/ repair of sheds and roads for better yield
from the fields.
Candle making by the inmates at Hatibari Health Home
SWADHAR – the home for destitute
2.7.1 Women constitute half of the world’s 7 billion people.
However, a simple check on the number of oppressed reveals a
startling ratio. The sufferers are pre-dominantly women and the
tormentors are no strangers; it is their own men- husbands and
lovers, who wrong them. In some cases, the indifference by the
families aggravates the situations. Recognizing the gravity of such
situations, BISWA set up SWADHAR. It is much more than just a
shelter for the women deprived of their basic rights.
Supported by the Department of Women and Child Development
Govt. of India, BISWA established SWADHAR- a home for destitute
women. The Home is meant to provide shelter, food, clothing,
medical and legal assistance, counseling services and economic
rehabilitation to the inmates. It has a housing capacity of 50.
2.7.2 SWADHAR is open to
l Widows deserted by their families and relatives.
l Female prisoners released from jails and without family support
l Women survivors of natural disasters, who have been rendered
homeless and are without any socio-economic support
l Trafficked women/girls escaped/rescued from brothels etc.
l Women/girls who are victims of sexual crimes and disowned
by family
l Mentally challenged women(except psychotic cases that
require special attention) without caregivers
l Imparting vocational and skill development training in a more
effective manner
l Three phase electrification for industrial processes
l Preparation of a product catalog
l Planting other plant species to maintain bio-diversity
l Tourism plans for sites in the Home area
l Construction of sales and parking area by the authorities
Weaving by the inmates at Hatibari Health Home
l Women with HIV/AIDS deserted by family/or lost husbands to
AIDS
2.7.3 Objectives
l To provide the primary needs; shelter, food, care and clothing
l To facilitate emotional support and counseling
l To rehabilitate these women socially and economically through
education, awareness, skill upgradation and personality 27
development
l To arrange medical and legal support Annual Report
2006-2007
2.7.4 A day at SWADHAR...
For the inmates, there is a planned schedule of activities to make
them feel at home. They avail recreational facilities and other value-
based support systems.
2.7.5 Management
The project is managed by a dedicated team consisting of a
superintendent, a fulltime counselor, an accountant, a cook, a peon
and security personnel. A lawyer has also been engaged for legal
support. The Home has its own neighborhood committee for smooth
functioning of the centre. The functioning of SWADHAR will be
monitored and evaluated by a district level committee.
The SWADHAR scheme aims at addressing the specific
vulnerability of such women in difficult circumstances through a
Home-based holistic and integrated approach.
 BISWA Bharat Integrated Social Welfare Agency

2.7.6 Family Counseling Centre – Activities : 2007

Sl.No. Name of Beneficiary Date ofAdmission District Age Type of Case

1 Subarnamanjari Nayak 02.04.07 Sambalpur 27 Marital Maladjustment.
2 Kartik Gadtia 18.04.07 Sambalpur 28 Marital maladjustment
3 Bijayini Hota 19.04.07 Sambalpur 36 Extramarital affair
4 Anta Samal 27.04.07 Sambalpur 24 Dowry torture
5 Sombari Suna 11.05.07 Sambalpur 21 Dowry problem
6 Pramila Sahu 17.05.07 Bargarh 34 Deserted by her in-laws
7 Tapaswini Beriha 26.05.07 Sambalpur 37 Deserted by her family
8 Anjali Sethi 25.09.07 Sambalpur 32 Extramarital affairs
9 Santosini Panda 28.05.07 Sambalpur 26 Deserted by husband
10 Aushmati Bag 04.06.07 Sambalpur 24 Problem with in-laws
11 Bhagabati Barala 04.06.07 Sonepur 33 Deserted by husband
12 Gomati Barik 04.06.07 Sambalpur 32 Marital adjustment
13 Nandini Deep 07.06.07 Baud 27 Marital maladjustment
14 Pratima Behara 08.06.07 Sambalpur 32 Deserted by husband
15 Liwan Kashyap 14.06.07 Unknown 12 Missing
16 Anu Mohanty 29.06.07 Dhenkanal 21 Deserted by husband
17 Haripriya Pradhan 22.06.07 Sambalpur 38 Marital maladjustment
18 Jipa Bag 10.07.07 Sambalpur 33 Extramarital affair
19 Puspa Meher 17.07.07 Bargarh 41 Marital maladjustment
20 Sandhyasini Pradhan 23.07.07 Sambalpur 30 Dowry problem
21 Gulapi Kumbhar 12.07.07 Sambalpur 21 Marital maladjustment
22 Nilam Pradhan 28.07.07 Sambalpur 24 Marital maladjustment
23 Rukmani Jipuria 16.08.07 Sambalpur Deserted by the society
24 Menka Tandia 06.09.07 Sambalpur 26 Deserted by husband
25 Nandini Mahanand 29.08.07 Sambalpur 29 Came for job
28 26 Rajiv Dash 04.09.07 Bargarh 20 Earlier registd. marriage
27 Urkuli Bhua 05.09.07 Sambalpur 18 Maladjustment
Annual Report
2006-2007
28 Nitu Mishra 22.09.07 Bargarh 27 Marital maladjustment

Activities by the inmates at Swadhar Family Counselling at Swadhar

Health and Nutrition
2.8.1 In order to deliver the wealth that comes with good health,
BISWA has taken many initiatives such as health camps, RCH
fairs and other health awareness programmes including CBD
centers and Malaria control programmes.
2.8.2 Healthcare through Community Based Drug Distribution
Centres (CBDs)
BISWA emphasizes on establishing Community Based Drug
Distribution Centers (CBDs) under RCH programme in Sambalpur
district. In addition to 10 covered under RCH, BISWA has
established another 110 CBD centres covering Maneswar and
Jujumora blocks of Sambalpur district.
Health activities are being carried out by BISWA to check prevailing
health disorders and generate awareness on healthy living, hygiene
and sanitary practices. The CBD Centres are established in the
villages having Self Help Groups (SHGs) promoted by BISWA and
selected members are provided with necessary training on health
grounds to run the CBD.
2.8.3 Activities
Medicines for common ailments, equipment for childcare etc. are
provided at the centres. These CBD centres have proved to be
very useful in the control of prevalent common diseases,
reproductive and child health, healthful living practices etc. As a
strategic application, governmental health programmes have been
merged with the programs of these centres and information.
Communication and education materials have been extensively
used to disseminate information, educate the mass and establish
effective communication with the community.
Awareness Rally for Safe Motherhood
2.8.4 Malaria Control Programme
Every year, malaria claims countless lives in India, especially in
Orissa. Fever, body ache and chill are the main symptoms of this
disease. Malaria may precipitate in miscarriage, abortion, or stillbirth
and may complicate pregnancy by causing severe anemia and
low birth-weight infants, and in severe cases, death of the newborn
or/and its mother.
2.8.5 Prevention measures for malaria
Mosquitoes are the only known vectors responsible for transmitting
this disease. Therefore, one of the most important malaria
prevention measures is to avoid mosquito bites. Bed nets/mosquito
nets are used to keep off mosquitoes. It works even better when
treated with an insecticide. BISWA provides ITNs to all households
to cover beds and sleeping areas. As the nets need to be retreated
with insecticide chemicals every six months to remain effective
against mosquitoes; volunteers from BISWA retreat the nets with
insecticide free of cost. BISWA provides two types of loans for
these nets. The first type pays only for the nets on purchase, but
demands cash payments in six months and in 12 months. The
second type of loan pays both for the net and for the next six re-
treatments.
2.8.6 EYE CAMPS in 2005-06
l 1856 patients were treated in various eye camps in BISWA
l 1626 patients were provided with medicines for their treatment
l 840 patients were provided with spectacles (glasses)
l 362 eye patient were operated in district headquarters hospital
l 562 cataract cases also operated
29
Annual Report
2006-2007
Health Camp
 BISWA Bharat Integrated Social Welfare Agency
Waste Plastic Recycling
2.9.1 Waste management is an important step to improve
environmental conditions, community health and living standards.
BISWA initiated Waste Plastic Management project with a slogan:
‘For a Greener and Better Environment’.
2.9.2 BISWAs’ Approach
The modern world generates tons of plastic waste everyday. BISWA
believes in creating wealth by proper utilization of waste that
communities generate, through the intelligent process of waste
collection and recycling. BISWA also aims at generating
employment opportunities among urban youth through waste
management and plastic recycling.
2.9.3 Objective: Motives of Waste Plastic Management are to:
l Create awareness on the threat that plastic waste poses to the
community’s well-being.
l Encourage and promote enterprise-based solutions for effective
management of plastic waste.
l Make utility oriented products by improvising the use of waste
plastic.
2.9.4 This project works in three stages:
Recover: Plastic wastes are recovered
Recycle: Plastic wastes are processed, refined and recycled
Reuse: New objects are made from the recycled materials for reuse.
2.9.5 Intervention
The Urban Waste Management project initiated by BISWA covers
3 urban bodies, i.e. Sambalpur Municipality, Notified Area Councils
of Hirakud and Burla.
30
Annual Report
2006-2007
Waste Plastic Recycling
Specialists from BISWA analyzed the land, assessed the quantum,
the location of waste that needs collection, suitable recycling
technologies and the interest and involvement of the community
in this regard.
2.9.6 Recycling Process
Process of recycling occurs in six stages:
l Collection and Segregation
l Cleaning and Drying
l Sizing / Chipping
l Agglomerating / Coloring
l Extrusion
l Fabrication into end product
2.9.7 Impact of Biswa’s Intervention
On the environmental front, the Waste Plastic Management project
has helped to improve baseline information on plastic waste
management in projected areas and generated awareness among
the locality. The project resulted in building up of a hygienic, clean
and healthy environment. It was also found helpful in restoring soil
fertility and conservation of national energy. This project had a
notable impact on the socio-economic development in the project
region. Being productive by nature, the Waste Plastic Management
project generates enterprise opportunities in all municipalities.
BISWA plans to rehabilitate beggars and needy people by extending
employment opportunities under this project.
Ingots from Plastic Waste
Emergent Sectors
2.10.1 Natural Resource Management
This is not a paradigm shift in BISWA’s structural programmes,
rather an addition to the existing. Integration at this level is an
indication of our readiness to accept innovation while thriving to
uphold the organizational vision and mission. This sector is being
explored keeping in mind the intrinsic values of community
involvement, participatory approach and need based intervention.
Soil, water and vegetation are the three basic natural resources
and BISWA recognizes their importance. While the earlier attempts
were limited to organizing awareness campaigns and plantation
drives, the present stage has taken a number of programmes into
its fold. Our firm belief rests on the notion that regeneration and
restoration of degraded ecosystems will increase their productivity;
and that there can be generation of employment through these
activities.
Forest conservation programmes can make headway now, as it
has become a major thrust of the Central Government. Many forest
development and conservation projects have been initiated
throughout the nation (e.g. NFDP, NFIP, CFCP and OFADP). We
have collaborated with district administration functionaries in forest
conservation projects. At present, Orissa Forest Area Development
Programme is being run in two districts – Deogarh and Keonjhar;
and we are to begin in Sundargarh and Angul too. The programme
aims at integrated forest development and biodiversity conservation
through people’s participatory approach.
Watershed Development
In the area of water management, BISWA has envisaged plans for
integration of water sources with static water bodies; in which the
degraded land in the command area of the static water body is
converted to cultivable and the farmers can plan a second crop.
The initiatives are in accord with the Government of India’s
declaration of 2007 as the Year of Water Productivity and the
prioritization of Development of Water Resources in the 11th five-
year plan. Work has started Maneswar Block of Sambalpur, where
community mobilization has been done for efficient land use and
forest conservation.
Focal Areas
l Water Management: Application of innovative techniques for
maximizing availability of water and optimizing its use
l Watershed Development: Efficient use of rainwater and
balancing the ecological cycle for land development resulting
in increased soil productivity.
l Forest Management: Mobilization of SHGs and VSS for
entrepreneurship development on forest products and forest
waste utilization/ Utilization of forestland inside forest, without
disturbing the ecology
l Aquaculture, dairy and poultry development
2.10.2 Alternate Energy
Energy is an essential requirement for every household, be it power
for irrigation or fuel for lighting and cooking. However, in the easy
utility of the so-called traditional energy, we tend to ignore its finite
presence and effects on the environment. Our initiative to this end
has been two-pronged – protect ecology on one hand and provision
of alternate energy for the people on the other.
Our project on setting up a biomass unit has been initiated with
support from BE Foundation, Bangalore and HIVOS India. In the
last three months, extensive feasibility study has been done in 20
villages across Sambalpur district and approaches have been made
to different agencies for carrying the project forward.
Focal Areas
l Biomass unit: Utilising animal dung supplemented with kitchen
waste and dry leaves to provide smoke free cooking system to
rural women
l LED: Reaching the areas where grid electricity is not a visible
reality, with LED lamps, a cost effective and efficient form of
energy 31
2.10.3 Industrial Relationship Building
Annual Report
Industrial Relationship Building (IRB) envisions a future model of 2006-2007
finance flow to the development sector. As is widely practiced, the
Non-Governmental Organisations depend upon external/ foreign
funding to meet the programme costs. However, as we cast an
eye on the ever-shrinking funds, its unreliability is realized.
Considering this, a programme on Industrial Relationship Building
was formulated, which we expect to be a replicable model.
Focal Area
l Human Resource Assistance: Utilising our personnel for
capacity building of industry staff and training modules for
mutual benefit
It is a step forward in bringing relevance to the programmes. Our
intervention in these unexplored sectors is expected to direct the
attitude of the people towards gaining benefits from the government
projects.
 BISWA Bharat Integrated Social Welfare Agency
Artisan Cluster Development
2.11.1 Research in the field of industrial clusters of Small and Micro-
enterprises indicates that they have shown ability to grow, innovate
and compete successfully under recessionary conditions. The
clusters have assumed further significance in the wake of
liberalization.
The handicraft sector has experienced many difficulties. The much-
required expansion in business commonality developed a collective
approach towards the market and this approach resulted in inter-
firm linkages. This approach is the main reason behind the success
of clusters. Along with the competition in production and domestic
marketing, the clusters observe a co-operative behavior, such as
establishing common facility centers and common brand building
for the export market on some fronts.
The requirement of support may not be usually in terms of
commercial activities, but more in terms of contributing towards
awareness generation, developing cluster vision and action plan,
creation of common facilities, marketing under a common brand,
encouraging network formation and in capacity building.
2.11.2 Cluster Development Programme
BISWA has initiated Cluster Development Programmes with an
aim to reduce poverty, generate self-employment opportunities and
to nurture entrepreneurial attitude among the traditional artisans.
Under this programme, BISWA has optimized resource support to
more than one lakh skilled micro–entrepreneurs in Orissa and
formed 3 common facility centers for the artisans in Rengali,
Kantabanji and Balkati (Sambalpur, Bargarh and Boudh districts
in Orissa).
Katapali, Bargarh
32 Katapali is an industrial city in Bargarh district. It is famous for
manufacturing household articles with brass and bellmetal along
with fancy and decorative pieces.
Annual Report
2006-2007
Dhokra Cluster Development Inauguration
2.11.3 Brass initiatives in cluster development
BISWA has established training cum production center for the brass
and bellmetal artisans at Katapali in Bargarh. There are 280
enterprises in this cluster that provide employment to 1500 people;
NABARD supports 15 Rural Entrepreneurship Development
programmes and skill upgradation.
The basic objective of this programme is to ensure holistic
development of the cluster through intervention in various strategic
areas.
Activities carried out as a part of cluster development programme:
Diagnostic study of all 280 enterprises was undertaken to
understand the updated status of the clusters and to figure out the
scope of improvement.
l Diagnostic study results revealed that the area of technology
upgradation lacks business development services and
accessibility to new technology. In order to overcome this
problem, BISWA provided exposure facilities to a group of
artisans in various technological areas at Moradabad, Uttar
Pradesh.
l Industry Structure Analysis and SWOT analysis to understand
the growth potential of clusters
l An awareness workshop was organized to circulate the findings
of the diagnostic study and to chalk out a new action plan
l Seminars were designed to address cluster-generic problems
to improve the performance of the enterprises.
l Importance on buyer-seller meets to strengthen backward
linkages for the clusters. These links provide a platform for
both the buyers and sellers to understand market requirements.
l A databank of business-development service-providers has
been developed with the purpose of helping entrepreneurs in
sourcing quality BDS.
l A cluster map was developed with the information about all
stakeholders in the cluster and their linkages. This map also
furnished updated institutional matrix that proved useful in
network building.
l BISWA has introduced the provision of personal counseling
on an average of 2-3 hours for the entrepreneurs by its staff
members.
l BISWA scrutinizes the progress as to whether the suggestions
and guidelines are properly followed by these entrepreneurs.
2.11.4 Future course of action
BISWA has visualized the project with the following activities:
l BISWA has plans to carry on conducting workshops covering
technology, marketing, export, ISO 9000, etc.
l BISWA plans to organize buyer-seller meets to strengthen
linkages for the clusters
l Importance to be given to strengthening of local industry
associations and promoting of capacity-building activities for
cluster actors.
l Documenting best practices to facilitate demonstration for other
pro-active entrepreneurs
l Technological implementations leading to improvement in
quality and productivity
l Seminars on technology, diversification and marketing have
been planned to make entrepreneurs aware of the ‘best
practices’ to improve their performance.
l Developing a better market linkage for the enterprises,
BISWA is exploring the possibility of direct export linkages.

Grain Bank

2.12.1 Concept: Though India is a land of agriculture, every year 2.12.8 Records: Grain Bank members need to maintain proper
this country suffers from food shortage due to natural calamities record with all details. Each Grain Bank needs to maintain records
like floods and droughts. It makes people, especially the poor ones on:
in rural area prone to exploitation by wealthy moneylenders § Meetings (Resolution)
exploited them.
§ Saving
BISWA initiated the Grain Bank concept as a support to farmers
§ Loan disbursement
and people related to agriculture to meet the scarcity.
§ Grain bank member’s details
2.12.2 Goal: Through the Grain bank project, BISWA aims to ensure § Matching grant (Contribution register)
food security during lean period of 3 to 4 months every year (from § Loss & Benefit
July to October) and to meet the emergency needs of the
community.
§ A single register for all above the records

2.12.3 Objectives 2.12.9 Management: Grain Banks need to form a managing

§ Form & strengthen Grain Banks in all operational villages and
§ Meet food deficiency in the lean period
2.12.4 Strategy: BISWA has plans to meet the situation on
community basis. The organisation is keen to involve each
household of the community.
2.12.5 Member Composition: A Grain Bank will be formed with a
minimum of 10 members involving all households of the community.
Priority will be given to the poor and needy persons.
2.12.6 Saving: Individual savings may vary from 5 tambis to 10
tambis. Therefore, the saving quantity will be fixed by the
community, which will be decided after considering the saving
committee for smooth operation and management. There should
be at least 10 members in a committee. One member will be
nominated from GS executive body to look after all grain bank
related matters along with a member from the grain bank. The EC
member would be called ‘Sasyagar Parichalak’ and the member
from grain bank ‘Sasyagar Upaparichalak’. Rotation of
management will be done every two years.
A general meeting of Grain Bank members must be held quarterly
i.e. four times in a year. In case of necessity, it can be more than
that. 33
2.12.10 Storage & Utilisation: Proper storage of grains will be
ensured with indigenous practices at a common place. Grains need
Annual Report
to be well preserved. The stock can be used for emergency 2006-2007

capacity of the poor members. The saving benefit will always be

purposes of the community and individuals.
added to groups and the group will decide about the individual
benefits. So far, BISWA has formed 8 Grain Banks in Maltideipur block.

2.12.7 Loan: The Grain Bank can disburse loans in case there is Sl. Name of the Grain Bank Village / Block Members
a need and the community will decide whether the need for loan is No
genuine or not. Repayment will be made after harvesting. In case 1 BISWA Gramyadevi Grain Bank Jhankerbahali 34
of drought/emergency, the group will decide on future action. No
2 BISWA, Maa Mauli Grain Bank Budapada 10
recurring loan will be entertained.
3 BISWA Bira Bajrangbali G.Bank Tangerjuri 36
Priority will be given to non-loaners and the upland beneficiaries
of the respective villages will return the support amount to the Grain 4 BISWA Radhamadhaba G. Bank Antapali 24
Bank after harvesting. 5 BISWA Ramji Grain Bank Mahulpali 34
The interest rate will be fixed at 25% per Year i.e. 5 tambi per 20 6 BISWA Maa Jogipali BudharajaG.B. Jogipali 10
tambi grain. Matching grant will be provided for a period of minimum
7 BISWA Maheswari Grain Bank Mendhalipali 17
three years as against the deposit of the members, which may be
extended after observing the availability of fund. 8 BISWA Laxmi Grain Bank Rathipada 20
 BISWA Bharat Integrated Social Welfare Agency
Tribal Development
2.13.1 With a vision to create a poverty-free society, BISWA has
started intervening in the tribal areas of Gariabandh, Manipur and
Chhura blocks in Raipur district of Chhatishgarh. BISWA conducted
a baseline survey and found that economically, these regions are
much below the national average and this moved BISWA to
intervene. The survey report reflects that the per-capita income of
a Kamar Tribe family is Rs. 300 per month. This tribe is dependent
on the bamboo trees in the Maleiba Hills, a nearby forest to earn
their livelihood. Not only this, the tribe had to live in a detrimental
condition and therefore bound to face various health hazards.
2.13.2 Initiatives from BISWA
As a part of its intervention in Kanthidadar village of Gariabandh
block, BISWA imparted training to 20 SHGs on making bamboo
stick (khadi) that is used in incense sticks. Many women in the
area were trained on making cup and plates with Siali leaves. A
Leaf Plate making by a Tribal Girl
34
Minority Empowerment
Annual Report
2006-2007
2.14.1 People of the minority Muslim community are under extreme
hardship in almost all ways of life. Lack of proper livelihood is the
main cause behind this hardship. BISWA has initiated a programme
for the empowerment of this minority community under NPF
programmes in Sambalpur and Jharsuguda districts. These two
districts have a Muslim population of 23.4% and 21% respectively.
Bamra, a block headquarters in Sambalpur district with 68% Muslim
population, gets special attention.
BISWA has established a Muslim Cell at Motijharan, Sambalpur
and formed seven SHGs with an aim to empower the women there.
The members of these groups get vocational training to improve
their economic status by enhancing various livelihood opportunities.
Under the Innovative School Project, BISWA runs an Islamiya
Innovative School in Motijharan, Sambalpur for the upliftment of
children. This school is managed by BISWA’s Minority Cell.
small manual machine was provided to the incense stick makers
and the other group received 40 machines for making leaf cup
plates. These groups were then linked to the market.
It comes out as a completely different story in just six months. Few
days of training and support increased the per-capita income of
these tribal women to Rs. 40 per day. Aided by the training, a blind
lady of 62 years age earns Rs. 20 to Rs. 25 per day now. As the
market for their products is booming, the per-capita income of this
tribal community has increased. For example, the weekly sale of a
local vendor has increased from Rs. 300 per week to Rs. 3000 per
week.
This micro-enterprise development program from BISWA has not
only supported the poor tribes women with a better livelihood
opportunity, but also proved helpful in checking deforestation and
enhanced forest revenue for the government.
Bamboo Stick for Incense Stick by a tribal
School’s Name: Islamia Innovative School / Location: Motijharan,
Sambalpur / Number of Students: 54 / Teacher: Ms. Gajala Parween
(B.A.) / Project coordinator: Ms. Mumtaz Parwin / Management:
Minority Cell, BISWA
BISWA has always shown interest in the betterment of the minority
community and upliftment of the children in this community as they
are the least cared for. From the experience of Islamia Innovative
School in Motijharan and observations of BISWA coordinators,
children from the minority community in Motijharan are not
interested to go to school or attracted by food, recreation and
healthcare. Therefore, BISWA is to implement other ambitious plans
for them.
Disaster Response - Flood Relief
2.15.1 A flash flood hit Sambalpur town on 21 August 2006 and
the calamity caused severe damage in urban and rural areas. As
the Mahanadi swelled with flood water, frothing flood water of one
of its tributaries Haradjori was forced back into Kuluthkani,
Putibandh areas and Dhanupali and Gobindtola situated on its
banks in Sambalpur urban area. This unprecedented situation
caused havoc in the affected area forcing hundreds of households
to evacuate to safer temporary camps.
Around 9422 persons in 65 villages in 38 Gram-Panchayats of 7
blocks and Sambalpur and Rairakhol urban areas were affected.
The affected had lost their homes and livelihood. Most of these
were daily labourers, rickshaw pullers and belonged to the working
class. So, the damage was precarious to them.
Different voluntary organisations along with the administration
extended aid to the stranded people. But, just after 2 days, the
relief operations got affected in 6 camps except the one at Guru
Nanak Public School (GNPS). To mitigate the impact of the disaster,
the district administration of Sambalpur asked BISWA to provide
relief in 7 relief centres in Sambalpur town.
Niwano Peace Foundation Project
2.16.1 BISWA joined hands with Niwano Peace Foundation for its
project for effective and sustainable approaches to eliminate
poverty and ensure food security as adopted in the drought-prone
areas of Sambalpur district.
2.16.2 Activities & Achievements of the project
Livelihood Pattern Analysis: BISWA has chosen 20 themes from
local issues like; Community development, Socio-economic
development, Empowering rural women, Water conservation,
Forest management, Income generating opportunities , Micro
finance, Grain banking, and such others. It intends to generate
awareness. Every month, two Focus Group Discussions are
conducted in each of the project villages.
2.16.3 Awareness Camps: Every month, one awareness camp is
organised in each village. The subject for awareness camp was
same for all villages in a particular month. Adult Education, literacy,
child rights and such other issues are discussed in the project
villages. This programme has made the villagers well aware of
various schemes and facilities available for their sustainable
development. They can now meet the district administration, local
governance and discuss their problems and needs.
As a leading NGO, BISWA contributed its services as and where
required. With a team of 19 volunteers, BISWA started its services
round the clock to assuage the sufferings of the affected people.
The district administration decided to run the relief centre at the
GNPS until 3 August 2006.
BISWA decided to restore the minimum household needs such as
utensils, clothes, beddings with blankets and not to forget, study
material for the school-going children.
Though the administration had declared a compensation of Rs.
6,000 for each fully damaged house, Rs. 2,000 each for partially
damaged houses and each severely damaged house between
these two limits depending on the severity. BISWA found this
amount insufficient to construct a house of minimum standards
and decided to arrange some funds to complement this meagre
compensation.
As most of the affected persons were from the lower income group,
BISWA helped those distressed people with a small amount to
restart their livelihood with micro-finance support in the form of
SHGs.
2.16.4 Water Harvesting Structure: The water harvesting
structures in Budapada, Jhankarbahali and Tangarjuri village were
completed by 31st March 2006. The core committee has imparted
training on effective water management to enhance the knowledge
base of members on effective management of water in terms of
35
storage, seepage, ground water recharge, etc.
2.16.5 Enhancement of role of SHGs as Peer Health Educators Annual Report
2006-2007
(PHE): BISWA has provided health training to SHG members to
provide health facilities in the project villages lacking health facilities.
Around 100 SHG members have been trained as PHEs to attend
to the health disorders in their respective villages.
2.16.6 Establishing and Managing Grain Banks in the
Villages: Grain Banks are developed to ensure food security during
stress periods and to meet emergency needs of the community. In
all, ten grain banks have been formed in the project villages to
mitigate food scarcity.
2.16.7 Promotion of Role Play & Dance: BISWA had organised
role-play based on local issues to sensitise the local community of
the project area. The theme of the play was the roles and
responsibilities of different persons in a community towards
integrated and sustainable livelihood development. This play
motivated the villagers to get involved in the project interventions.
 BISWA Bharat Integrated Social Welfare Agency
BISWA in Chattisgarh
2.17.1 With a vision to ensure a socio-economic development of
the society, BISWA extended its network to Chattisgarh in May
2005. BISWA was appointed a Nodal Agency for the state of
Chattisgarh by the Rashtriya Mahila Kosh under the aegis of Dept.
of Women and Child Development, Govt. of India. Presently BISWA
covers 16 districts.
2.17.2 Objectives - BISWA aims to:
l Create maximum job opportunities with special attention to
women, youth and artisans
l To enhance the social status of women
l To ensure healthful living standards in rural and slum habitats
l To ensure a friendly environment
BISWA’s activities in Chattisgarh reflect these objectives. The
activities have received much attention and approval in the state.
2.17.3 Activities - BISWA has already established an NGO network
there. BISWA has implemented the following programmes in the
state since its interventions begun in 2005:
2.17.4 Promotion of Self Help Groups: By the end of February
2006, BISWA had extended financial help to 97 SHGs in Berla
block of Durg district and 237 SHGs in 4 blocks; namely Nawagarh,
Pamgarh, Akaltara and Sakti in Champa district under SGSY special
campaign. Various income generation activities such as leaf cup/
plate making, plastic moulding and petti-coat making have been
undertaken in this district.
2.17.5 Capacity building of NGOs in micro-credit activities:
BISWA is keen to organise interface programmes for the NGOs to
sensitize them regarding the micro-credit program of BISWA/ RMK.
36 This program focuses on one of the most backward districts, Bastar.
2.17.6 Extension of credit: Credit has been extended to as many
Annual Report
2006-2007 as 17 partner NGO MFIs for on-lending to SHGs promoted by them
and to 22 SHGs to pursue income generation activities such as
petticoat making, leaf plate/cup making, plastic toys making etc.
The bulk lending to NGOs amounts to Rs. 96,21,750/- and the
lending amount to SHGs is Rs.20,66,300/-.
2.17.7 Implementing Reproductive & Child Development
programme: BISWA has taken initiatives to implement
Reproductive and Child Health (RCH) programme in Nawagarh
block in Janjgir Champa district.
2.17.8 Total Sanitation Campaign: With an objective to create
awareness among the people about potable drinking water and
proper sanitation, BISWA has initiated its Total Sanitation Campaign
(TSC) in the state of Chhatishgarh. Initially, BISWA in Chhatishgarh
runs the Total Sanitation Campaign in four districts; Raipur, Durg,
Mahasamud and Janjgir-Champa district. In Nawagarh block of
Janjgir-Champa district, BISWA launched the Water and Sanitation
Programme under groups, Group A and Group B. BISWA
Chhatishgarh held training on ‘Gram Swachhatta Aviyan’ for the
Group-B people on 11 August 2006.
The training of Trainers (TOT), ANMs, Anganwadi Workers, (AWW),
Village Level Water and Sanitation Members (VWSCs), Block Level
Water & Sanitation Members (BWSCs) was completed successfully.
The Block Level Water & Sanitation Members will explicate the
work and the Village Level Water and Sanitation Campaign
members will help them in successful implementation of this
programme in villages. The ANMs are to create awareness for
proper sanitation.
2.17.9 Integrated development: To promote income-producing
activities among the tribal population, BISWA has paid special
attention to a tribe called ‘Kamara’ for integrated development.
The activities are concentrated in 4 blocks; Gariabandh, Chura
and Mainpur in Raipur district and Nagri block of Dhamtari district.
2.17.10 Support to micro-enterprises: BISWA is working as a
leading NGO for Micro-Finance activities in the state of
Chhatishgarh. Though BISWA has its own chain of SHGs, it also
helps several small NGOs with finance and guidance. BISWA has
organized two Business Development Workshops on behalf of the
Rashtriya Mahila Kosh and one training programme on Participatory
Rural Appraisal (PRA) for 60 women SHG leaders at Raipur to
promote its micro-finance activities. The Bamboo artisans, farmers
and micro-entrepreneurs of Basna, Saraipali and Pithora blocks
of Mahasamund district have been receiving support for their micro-
enterprise activities on technical and financial aspects.
2.17.11 Achievements
In the last 12 months, BISWA, Chattisgarh has thrived by building
raport with the state administration and working in close association
with local NGOs in all 16 districts.
BISWA has initiated a network with 13 NGOs working in different
districts and supported them with Micro-Finance and capacity
building facilities.
BISWA, Chattisgarh has been able to create a base for its micro-
credit activities and women empowerment. It has promoted more
then 350 Self Help Groups in Durg and Mahasamund districts,
along with 237 SHGs under SGSY in Janjgir Champa district.
2.17.12 Conclusion
BISWA aims at a developed, educated and healthy Chhattisgarh,
having sufficient employment opportunities and enough capital to
invest in income-generating activities. It targets to create at least
10 lakh job opportunities in the next fiscal, extend at least Rs 10
crores as credit and strengthen the state’s economy to come out
of poverty. BISWA dreams of seeing everybody in the state without
fear of hunger, illness and illiteracy.
Civil Society Network
Biswa Network
2.18.1 BISWA NETWORK, a national network of civil society
organizations is promoted by BISWA to undertake various
developmental work at the grass root level with the joint effort of
its partner NGOs. The prime objective of the network is to develop
the capacities, management abilities and good governance of the
partners.
2.18.2 Establishment of BISWA Civil Society Study Centre
To achieve this goal, BISWA is also planning a centre for civil society
studies (BCCSS) that will work towards strengthening local
democracy, panchayati-raj institutions, good governance system
for pro-poor development issues and democratic accountability.
The centre would also work towards documentation, publication,
research, and dissemination of best practices in social sector
development, microfinance and micro enterprise.
2.18.3 Mission Statement
To create an association of responsible civil society organizations,
working for socio-economic development in the state of Orissa
and play the role of a facilitator in optimizing livelihood initiatives
through various interventions. The BISWA NETWORK will help its
member-organizations, to serve the poor, destitute and
downtrodden, for a better quality of life with a stable livelihood.
2.18.3 The Objectives
BISWA NETWORK will identify issues, open dialogues with partners
and create a common platform to advocate/lobby the common
cause and find out solutions for issues affecting all. The network
would handhold partners, upscale their activities through various
resources support both in terms of finance and experience sharing.
To fulfil the above objectives, the scope of work for BISWA
NETWORK, are as follows...
Consultation Meeting with partner NGOs
l To provide a common forum for organizations involved in
livelihood, finance and income generation activities for both
rural and urban poor.
l To strengthen the capacities of organizations (NGOs) through
research, consultancies and training in different aspects of
livelihood finance.
l To establish linkages between members and resource
institutions, such as funding agencies, financial institutions,
training, research and consultancy firms.
l To disseminate and publish documents, papers, journals, news-
letters relevant and useful for the members.
l To co-ordinate and cooperate with similar networks and
coalitions.
l To make representation in Government and other regulatory
and policy making bodies to promote the cause of the partners
and help create favorable policy environment for livelihood
finance and income generation initiatives.
l To advocate for enhanced credibility, acceptability and
recognition of the work done by the voluntary sector in the
eyes of the government, the donor community, the corporate
sector, the media and the public.
l To act on establishing an accreditation system for the voluntary
sector.
l To carry out other actions, that may be conducive to and
beneficial for the members to fulfil the broad objectives of the
BISWA NETWORK.
2.18.4 Members 37
Within a year of operation, BISWA NETWORK has enrolled 152
members from four state. Ninty NGOs from Orissa, twenty seven Annual Report
from West Bengal, ten from Chhatisgarh and one from Jharkhand. 2006-2007
NGO Leaders at the Partners Meet
 BISWA Bharat Integrated Social Welfare Agency

Network Member List

List of Members: Orissa
Sl Name of the NGO District
No.
01 Banki Adivasi Harijan Kalyan Parishad (BAHKP) Cuttack
02 Gram Utthan Kendrapara
03 Sambala Vikas Swayang Sahayak Samabaya Kendra Kandhamal
04 People Awareness & Hilly Area Development (PAHAD) Kandhamal
05 Society for the Aggrieved & Vulnerated Earthlings (SAVE) Kandhamal
06 The Eastern Multipurpose Cooperative Society Ltd. Khurda
07 Lok Sampark Kalahandi
08 Jan Kalyan Sanstha Kalahandi
09 Manab Vikash Niyojan Samiti (MANI) Kandhamal
10 Mahila Vikash Prathamika Sanchaya Samabaya Ltd. Khurda
11 Orissa Women Development Association (OWDA) Boudh
12 Society for promotion of Rural Technology & Education (SOPORTE) Bhadrak
13 Free Duty of Mankind (FREEDOM) Bhadrak
14 DRUSTI Puri
15 SAKSHYAM Bhadrak
16 Mahasakti Foundation Kalahandi
17 Debadutta Club Baragarh
18 Swayamshree Cuttack
19 Gateswar Multipurpose Co-operative Society Ltd. Jagatsinghpur
20 India Peoples Service (IPS) Nawarangpur
21 Gramya Vikash Parishad Boudh
22 Utkal Social Service Association (USSA) Bhadrak
23 Biswa Kalyan Sevak Samaj (BKSS) Jajpur
24 Parivartan Kalahandi
25 Sanginee Secondary Co-operative Kalahandi
26 Gopabandhu Kalashree Club Puri
27 Organisation for Development Integrated Social & Health Association (ODISHA) Ganjam
38 28 Organisation for Development Coordination (ODC) Malakangiri
29 Budhanath Yubak Sangha Kendrapara
Annual Report 30 Dr. Ambedkar Adibasi Harijan Gramya Unnayan Seva Parishad Nayagarh
2006-2007
31 Palli Unnayan Parishad (PUP) Cuttack
32 Visionaries for Integrated Social Intiatives of Network (VISION) Kalahandi
33 ARUNI Rayagada
34 Universal Service Organisation (USO) Rayagada
35 Mahila Adhikar Surakhya Samity (MASS)
36 ANGNA Sundargh
37 Gramya Shree Seva Sangha (GSSS) Khurda
38 Indian Management and Technical Society (IMTS) Khurda
39 VIKASH Keonjhar
40 SHEVA Mayurbhanj
41 Gramya Mangal Parishad (GMP) Kendrapara
42 Janakalyan Pratistan Gajapati
43 Human Resource Development Organisation (HRDO) Khurda
44 Netajee Multipurpose Co-operative Society Ltd. Cuttack
List of Members: Orissa
Sl Name of the NGO District
No.
45 Social Awareness and Research Centre(SARC) Keonjhar
46 SRADHA Keonjhar
47 Raghunath Pathagar (RNP) Ganjam
48 Biswa Swayam sahayak Bunakar society Baragarh
49 The Adult Education Family Planning & Environment Society Sambalpur
50 Indira Gandhi Mission India (IGMI) Puri
51 Help Line Rayagada
52 SRADHA Dhenkanal
53 Pratikar Cuttack
54 Ama Gaon Prakalpa Puri
55 Bapuji Jana Seba Club (BJSC) Khurda
56 Society for Regular Information Planning Awarness and Thousand Initiation Nayagarh
57 National Environment & Education Development (NEED) Koraput
58 Service Association for Rural Progress (SARP) Keonjha
59 Jana Sahajya Kalahandi
60 Peoples Legal Aid Association Network (PLAAN) Puri
61 ASHA Dhenkanal
62 YUBA Chetana Kendra Kandhamal
63 Rural Research and Development Conucil Mayurbhanj
64 Sundargarh Zilla Mahila Parishad Sundargarh
65 SURAKSHA Gajapati
66 Social Development Society (SDS) Malkangiri
67 Integrated Social Women’s Awarness & Research (ISWAR) Khurda
68 Agency for Social Action (ASA) Puri
69 PRAGATI Dhenkanal
70 Human Development Center (HDC) Jagatsinghpur
71 ANUSHREE Maurbhanj
72 Maitri Self Help Cooperative Ltd. Jagatsinghpur 39
73 Indian Women Development Society (IWDS) Nabarangpur
74 People’s United for Social Participation and Awarness Centre (PUSPAC) Malkangiri Annual Report
75 UPKAR Puri 2006-2007

76 Friends United Welfare Organisation Jajpur

77 Social Action For Humanitarian Assistance & Relief Agency Kandhamal
78 Pankajini Vikash Social Organisation (PVSO) Jagatsinghpur
79 Asian Institute For Rural Regeneration (AIR) Cuttack
80 Gandhian Institute of Technical Advancement (GITA) Khurda
81 Nandini Mahila Samiti Keonjhar
82 PARIVARTAN Bolangir
83 SAHARA Nabarangpur
84 Krushak Nidhi Khurda
85 Unnayan Khurda
86 THE HUMANITY Bolangir
87 NAMI Dhenkanal
88 ADARSHA Cuttack
 BISWA Bharat Integrated Social Welfare Agency

List of Members: Orissa

Sl Name of the NGO District
No.
89 ANEWSHA Tribal Art & Crafts Khurda
90 CPSW Khurda
91 Swami Vibekananda Youth Association Jajpur
92 Society For Women Empowerment Through Development Action Puri
93 Rashtriya Nari Jagaran Parishad Khurda
94 Monomanini Khurda
95 Gramya Mahila Vikash Samiti Cuttack
96 SACHETANA Khurda
97 Vishwa Jeevan Seva Sangha Khurda

List of Members: West Bengal

Sl Name of the NGO District
No.
01 Association for Rural development Barasat
02 Mahakal Environment & Welfare Society Cooch Behar
03 Sunderban Indira Khadi Bhawan South 24 Praganas
04 Phakrichhak Matrumangal Samiti East Medinpur
05 Tarun Sangha East Medinpur
06 Muldia Bidut Sangha South 24 Praganas
07 Prayashi Grama Vikash Kendra South 24 Praganas
08 Neoda Samaj Kalyan Kendra South 24 Praganas
09 Rageen sangha South 24 Praganas
10 Ramakrishna Social Welfare Society New Barrackpur Kolkata
11 Santosh Nagar Sandhatara Mahila Samity South 24 Praganas
40 12 Ullon Social Welfare Society (USWS) South 24 Pragans
13 Radhakantpur Kalyan Samity South 24 Praganas
14 Balarampur Mother Teresa Pally Unnayan Samiti South 24 Pragans
Annual Report
2006-2007
15 Tara Nagar Tarun Sangha South 24 Praganas
16 Nimpith Vidyasagar Seva Samity South 24 Pragans
17 Chak-Kumar Association for Social Service West Midinpur
18 Piparkhali Sukanta Nazrul Memorial Club South 24 Praganas
19 Fakirchak Govindchak Deshbandhu Club East Midinpur
20 Hariharpur Kazi Nazrul Sangha South 24 Praganas
21 Sukrullapur Nelua Unnayan Kendra East Midinpur
22 Nimpitha Tulsighat Netaji Sangha South 24 Praganas
23 Sahapur (south) Gram Unnayan Samity South 24 Praganas
24 Mallabpur People Rural Development Society South 24 Praganas
25 Uttar Kasiabad Atul Smriti Seva Sangha South 24 Praganas
26 Gabberia Sathi Centre South 24 Praganas
27 Radha nagar Palli Unnayan Samity South 24 Praganas
List of Members: Chhatisgarh
Sl Name of the NGO District
No.

01 Pragnya Samanya Seva Sanstha (PSSS) Jagadalpur

Dantesarda
02 Smart Social Welfare Society Raipur
03 Baster Samajik Jana Vikash Samity (BSJVS) Dantewada
04 Nai Kiran Mahila & Balbikash Samity Durg
05 Kalp Samaj Sevi Sanstha Janjgirchampa
06 RAHI Samaj Sevi Sanstha
07 Kukuda Shiva Yuba Sangathan Samity
08 Adarshdeep Akshamta Punarwas Kendra Raipur
09 Mahila Yuba Sasaktikaran Sanstha Bilaspur
10 Ekata Samity
11 Jan Vikas Parisad & Anusandhan Sansthan Bilaspur
12 Jan Chetana Samity, Tila Raipur
13 Chhattisgarh Mahila Bikash Samity Bilaspur
14 Chetana Sangha Raipur
15 Kusumdihi Pragatisila Yuba Samity
16 Mahila Mandal Rasali Bhilai
17 Nirmal Sahayogi Samaj Sevi Sanstha Bilaspur
18 Nav Yubak Mandal
19 Social Organisation for Community Health (SOCH) Rajnandgaon
20 Vikash Samity Mahasamund

41

Annual Report
2006-2007

Chairman making a presentation to Funding Agency Visit of Development Partners to Network Office
 BISWA Bharat Integrated Social Welfare Agency

Malnutrition Remediation Initiative

Technology Intervention

42

Annual Report
2006-2007

School Uniform Distribution

Section - 3

Success
Stories &
Good Practices43

Annual Report
2006-2007
 BISWA Bharat Integrated Social Welfare Agency

Success Stories &

Good Practices

Dhankoda Federation ..
Finding women at the helm of affairs managing crores of rupees Striding towards a secure future……
themselves, in some lesser known pocket of underdeveloped Of the many successful stories the federation has to relate is one
Orissa is a rare achievement indeed. No surprise, the Dhankoda on the Talab SHG. In 2005, this 13 member group was extended a
block in Sambalpur has earned the coveted title of being the most loan amount of Rs 1.69 lakh. The money was invested on cultivation
successful SHG federation in the state. Dhankoda has every reason of paddy. Accessing the timely repayment of loans, performance,
to rejoice as it continues to weave stories of success one after and the profits made by the SHG members, the Dhankoda
another. This all-woman federation consisting of 250 SHGs was federation extended another Rs 6.5 lakh to the group in a span of
started by BISWA’s Chairman K C Malick in January 1994. Today, two years. Most of
the federation stands strong with 3025 members and is divided the members in the
into five sub federations, all of which are managed by the group are landless
federations’ internal governing body. and have been
cultivating on land
Recognizing the expertise and experience of the members, BISWA taken on lease.
has included two federation members in its own governing council. Currently 80 acres of
The members who were initially finding it difficult to save even Rs land is under
10, today easily manage to save Rs 60 to Rs 100. Not limiting cultivation and each
itself to credit and thrift, the women members have taken up the member saves Rs
challenge of social empowerment as well. Villages have been 100 on an average
every month.
electrified, roads have been constructed, education stressed,
sanitation improved and all the credit goes to these women who “Earlier it was difficult to celebrate festivals even. Now we celebrate
have gained confidence over the years. They now realize their each one. We are happy and feel more secure about our future,”
rights and are fighting for it. The federation had already disbursed said Laxmi Bishal of the SHG. We now save around Rs 10,000
Rs 6.61crores and has a saving of Rs 30.69 lakh. every year, she added

BISWA, after handing over the entire governance to the federation
has limited its activities to providing credit support to the federation.
44
The federation itself pays for the salary of the staff support provided
by BISWA to maintain record on accounts. The federation has been
Annual Report registered under the Mutual benefit trust act.
2006-2007
The women have also formed the Nari Shanti Sena that works
towards fighting alcohol intake. Besides, a community drug
distribution centre has been formed. Empowerment has also shed
the communal feelings that existed earlier. Tribals, non tribals and
people from all castes now stay together. Girl child education is
being encouraged and migration checked.

Thrift and Credit Operation of Dhankoda Federation

Federation Staff SHG Loan sanction

01 14 50 320,68,332
02 14 50 187,88,700
03 14 50 80,02,000
04 14 60 68,21,000
05 14 40 5,00,000

Total Loan 70 250 661,80,032

Total Saving 30,69,540

Successful Talab SHG
Innovative Schools
BISWA initiated the concept of innovative schools with an aim to teacher in the school is a graduate and receives a salary of Rs.
introduce students to elementary education besides training them 2,000 every month.
on subjects ecologically relevant to them.
Classes start from 7 AM to 10 AM and the routine include two
Well wishers from USA, institutions and individuals together hours study on main course and half an hour on general knowledge.
supported BISWA to establish 20 schools under this program in 16
Every afternoon, Bahamani and her friends have their fair share of
villages and two urban slums in Sambalpur and Kalahandi. The
soymilk and bread. It’s tasty and nutritious. Satyaram Dibi and
Budhapada innovative school was initiated by the efforts of Mrs.
Lilyani Gudia, who study in the same school, supply the soymilk
Joysree Mohanty, NRI on 15 December 2002 and was implemented
and bread for the students. They too are happy and enjoy studying.
by BISWA.
The Budhapada School and four similar innovative schools at
Jhankarbahali, Rathipada & Tangarjuri are supported by Asha for
Education-USA.The schools follow the state course curriculum to
impart elementary education from class-I to class-VII. The students
are also trained on water harvesting, agriculture, animal care, food
preservation, herbal medicine, bamboo work, pottery, and broom
making etc. In addition the students are provided with a mid-day-
meal consisting of a soymilk and bread.

A learning with difference

Bahamani Lagoon now loves going to school. She is ten and a
student of Class V in the Budhapada innovative school.
Bahamani learns medicine, health and general knowledge and
studying was never so much fun for her. Renu madam, the only
Learning while playing

Village Sanitation Program

Identified as a key resource center of Orissa water and sanitation
mission for western Orissa under the total sanitation campaign
BISWA works with the Government and other partners to create
conditions for change and ensure the effectiveness of all water
and sanitation campaigns. BISWA has taken initiatives to construct
& maintain IHLs for effective sanitation.
Towards hygiene …towards health…..
The villagers admitted that the practice of open defecation was
leading to many diseases.
The Sarpanch, PRI members, schoolteachers and senior members
of the village were then personally contacted. They were sensitized 45
on the long-term consequences of open defecation and the benefits
of good hygiene practices. The impact was encouraging and many
Annual Report
SHG members came together and agreed upon installing Individual 2006-2007

About 128kms drive from Bargarh in Gaisilet block, is the
Raisalpadar village. Not long ago, the entire population of about
519 households followed the age-old practice of open defecation.
There were just 12 IHL then. But the same village today stands
out for the successful adoption of village sanitation programme.
All community centers including the school, the Anganwadi center
and the Panchayat office is now well equipped with modern day
sanitation facilities. The cleanliness of the village would impress
any visitor. Eighty percent of the villagers now have Individual
House-Hold Latrines (IHL) –thanks to BISWAs’ efforts
BISWA began the initiative by consulting the senior members of
the village and the SHG members asking them to find out a solution
to the problem. Though every one expressed their embarrassment
on the situation, they were clueless about how to get out of it.
Household Latrines (IHL). Today the village wears a new looks.
Most of the villagers are comfortable having a toilet of their own.
Hygienic practices are gradually developing. Now, these villagers
themselves ensure to maintain a healthy and hygienic environment.
The Sarpanch, Ms Kshirabati Sahu requested for the construction
of a toilet in the Panchayat office that further helped in creating
interest among the villagers here. The installation of IHLs in the
school and Anganwadi centers also developed hygienic toilet habits
among students. Now, these students in turn, do their bit by
spreading awareness about the necessities of toilet in every
household for a healthier life.
With the support from BISWA, 387 IHLs have already been installed
in the village. The success can be attributed to the innovative credit
support approach through SHGs of BISWA for having IHLs.
 BISWA Bharat Integrated Social Welfare Agency
Water harvesting
With a vision to provide safe drinking water and sanitation facilities
to every rural household, BISWA has been initiating
SWAJALDHARA, Rooftop water harvesting structure (RTWHS) &
Water harvesting structure (WHS) programs in areas that face
shortage of groundwater. BISWA has been initiating
SWAJALDHARA, Rooftop
water harvesting structure
(RTWHS) & Water harvesting
structure (WHS) programs at
selected areas.
Save water, save life
Jhankarbahali, a small hamlet
under the Baduapalli Gram
Panchayat in Maneswar block
has a population of 937. Like
most villages, people here
remained troubled with
regular health problems rising
out of polluted water.
Waterborne diseases such as viral fever, hepatitis, typhoid, cholera,
dysentery and diarrhea were common and there seemed no
Hatibari Health Home
Hatibari Health Home is a rehabilitation center for leprosy-cured
persons who are trying to live with self-respect and dignity.
Padmashree Dr. Isaac Santra, an eminent Gandhian and social
worker, established an ashram for persons affected by at Hatibari
in 1951. The center later came to be known as Hatibari Health
Home.
46
BISWA supports these patients with small farming and
manufacturing units training them on agriculture, cloth weaving,
Annual Report
2006-2007 sisal work, candle making, toy making etc. The micro-enterprise
development project implemented by BISWA plays a vital role in
socialization of the leprosy-cured persons. Those working in
different production units including handloom weaving, candle
making, sisal work get wages around Rs.350 to Rs 150. Besides,
BISWA has also appointed its staff to monitor and supervise the
projects at Hatibari. BISWA has established three Self Help Groups
among the women inmates there and among the women of
Santrapalli. The members regularly hold meetings and other
awareness programmes.
Living with dignity
Tapaswini Nath, an inmate of Hatibari health home is a sisal fiber
trainer. Thirty five years ago after being diagnosed of leprosy,
Tapaswaini was deserted by her family. Ever since, Hatibari has
been her home.When admitted, Tapaswini was at an advanced
permanent solution to it. It was then that BISWA with the help of
SHGs, motivated the villagers to establish Water Harvesting
Structures.
By initiating the water-harvesting project in Jhankarbahali and
Budhapada village, BISWA motivated the villagers to encourage
water recourse, re-use & recycling, develop an efficient distribution
system, reduce pollution in surface water system, enhance surface
storage capacity, improve underground storage capacity and
maintain balance in the existing water resource
Villagers were also asked to adopt better sanitation habits by setting
up IHLs through microfinance. Water & sanitation problems were
analyzed and the investment was calculated. Members of Self Help
Groups interacted with the villagers regarding the hurdles the
project was facing and BISWA extended micro-credit to those
unable to invest.
The program conducted in close co-ordination with district officials,
executive engineers, rural water and sanitation services department
has finally paid dividends. Jhankarbahali now has 46 tube-wells
and has access to clean and safe drinking water. Water borne
diseases and the hardships villagers faced during summer is a
history now.
stage of the disease. She recovered gradually and is completely
cured now. She was then trained under the Sisal Fiber production
cum training unit at Hatibari . She was taught how to extract fiber
from Sisal by an extractor and prepare utility and decorative items
out of it. Tapaswani picked it up fast and now trains the other
inmates on the procedure. The products have a high demand in
local as well as national markets and she earns a decent income
out of it. There are
others who learn
candle making and
weaving. Yet, she
does not want to
return to her family
and wishes to live at
the HHH campus
with self-respect and
dignity.
BISWA provides
sustainable
livelihood to the
inmates of Hatibari
Health Home and
supports them in
income generation.
Malnutrition remediation initiative in schools
Malnutrition remediation program with Soya-milk is a new concept
in Orissa. The programme got acclamation with World Bank’s
Development Market Place Award in 2007. Malnutrition Maters,
an organization from Canada and their system Vita Goat, provides
technological support to BISWA for the implementation of this
innovative concept. This programme has enabled BISWA to provide
soya-milk to 140 students in 4 schools of Antapalli village for six
days a week bringing tremendous impact on their general health
conditions.
Swadhar
With support from the Dept. of Women and Child Development
and the Ministry of HRD BISWA initiated the SWADHAR home at
Sambalpur.
SWADHAR is designed in a flexible and innovative approach to
address the specific vulnerability of each group of women in distress
through a home based holistic and integrated approach Besides
emotional support and counseling to we provide food, clothing,
shelter and care with social, legal and economic support. BISWA
has also taken the responsibility to rehabilitate them and upgrade
their skills and personality through behavioral training. As many
as 78 destitute women and 44 Children have been admitted in
SWADHAR so far.
At SWADHAR, the inmates are imparted training on phenyl making,
badi making, incense-stick making, papad making and tailoring.
The residents with small children are engaged in relatively easier
jobs such as packing chana, spices, mattresses, pillow, clothes,
cosmetics etc. SWADHAR has so far aided three women in their
weddings, provided legal support to two distressed women,
reconciliation to 11 and medical support to five. The organization
has also helped rehabilitate 20 women besides providing suitable
placement to seven destitute women.
Accepting challenges… the challenges of life with confidence. BISWA provides support to
It was 11th April ’07- Urkuli still remembers the date. This was the
day when the 18 year old unwed mother was brought to Swadhar.
Good nutrition, better education
Antapalli has four schools different from other schools in the area.
They are special for the students in these schools relish the
nutritious soymilk and bread supplied to them. These schools have
witnessed 100 percent attendance even on rainy days. Soy milk is
a high-quality nutrition diet processed by Vita Goat.
Vita Goat runs without electricity and can be operated using locally
available fuels, like wood, bottled gas and other biomas It comprises
of a steam boiler, a cycle grinder, a cooker and a press. Laxmi
and Champa are two SHG members at Antapalli. With assistance
from BISWA, the duo now produce high-protein and healthy Soya
foods in the form of soya-milk using the Vita Goat processing
system. They earn Rs. 75 each for each 2-3 hours of operation.
Earlier both the women worked as agricultural laborers. The new
enterprise has helped them with a better livelihood.
Everyday 14 liters of soymilk is produced by the villagers and
distributed to the four schools.The entire process of milk production
and distribution takes a maximum of three hours. With minimum
investment sans hassles, the children are supplied warm milk with
bread.
Hailing from the Bijepur village of Bargarh District, this teenager
was an expectant mother with a pregnancy of 30 weeks. Deserted
by her lover Daktar Bhoi and abandoned by family members Urkuli
was still strong at heart. Going against the wishes of Bhoi’s and
her own family members’ wishes, Urkuli refused to terminate the
pregnancy. The issue went public but neither Bhoi nor his family
members agreed to the marriage proposal. Urkuli’s father then 47
lodged an FIR against Bhoi at the Bijepur Police Station but no
anvil.
Annual Report
2006-2007
In the absence of any accommodation for destitute women at
Bargarh, the case was referred to BISWA and Urkuli soon had a
shelter at SWADHAR. Urkuli was weak both physically and mentally
and members at SWADHAR took up the challenge to provide her
the medical care and counseling she requited. With the constsnt
efforts of the staff at SWADHAR, the villagers were motivated to
pressurize Bhoi’s family to agree to the marriage. Their effort finally
succeeded and a formal marriage took place at SWADHAR
premises on 2 May 2007. Urkuli now lives a happy family life.
SWADHAR is keen to establish a society where no woman gets a
feeling that her existence is a curse; rather she is taught to accept
these deserted women at every level.
 BISWA Bharat Integrated Social Welfare Agency
Micro-finance
BISWA has successfully emerged as a leading Micro finance
institution in India, ranking high in micro insurance as well. Micro-
credit delivery of BISWA MFI program is being carried out through
the SHG model. By 3ist June’ 07, BISWA had already promoted as
many as 23,418 SHGs across its area of operation and almost
96% of these SHG members belong to the BPL category. We at
BISWA, aim to boost the future of micro-finance and utilize it for
the socio-economic development of the society.
Rekindling hopes….
BISWA brings a few examples from different hamlets in the district
of Deogarh to show how Microfinance can play an effective role in
changing lives.
Villagers of Purunapalli village in the district of Deogarh never knew
that even watermelon cultivation could spell wonders. Of the several
SHGs operating in the hamlet was one engaged in traditional
bamboo work. The earning was insufficient and the members of
these had failed to repay their earlier loans on time. After studying
the conditions, BISWA considered generating some additional
source of income for these people. The land and climatic conditions
were examined and found suitable for watermelon cultivation.
It arranged for 13 acres of land on lease and extended a loan
amount of Rs. 4 lakhs to the group. All 12 members were then
engaged in this exercise. The result was a record. The total sale
went up to Rs.19,70,000 and the SHG earned a net profit of
Rs.9,40,000. The loan was paid back in 18 weeks time. All the 12
members now have personal savings of Rs.5-12,000 each, apart
from raising their socio-economic status, the members are now
more confident.
On October 2006, the SHG members opened a school of their
own to let their children. Earlier, their children were not allowed to
48
Annual Report
2006-2007
study at the general school owing to the cast feelings prevalent in
the village. The school now has 32 students. The success of this
group resulted in the formation of six more SHGs in the village.
Another SHG in Jhumpra village in Deogarh with 14 members can
be counted as a successful example of how microfinance changed
their lives for better. The members were previously dependent on
agriculture alone. The meager earning that came out of it was
insufficient to cater to their needs. After constant liaison with the
district administration, the group was allowed to supply bread and
biscuits to 12 govt. schools.
In September 2005, BISWA extended a loan of Rs.80,000 to this
group who wanted to set up a broiler farm. This was followed by
yet another of Rs. 1,20,000 in November 2006. A month later, the
group again availed a loan of Rs.1.95 lakhs from BISWA for a
biscuit factory and a bread unit
The members were optimistic about earning more than Rs.1,80,000
from these three units and opened an account in Barkot Co-
operative Bank. They repaid the boiler loan in time. The group
members are now self-sufficient and do not have to depend on
banks or BISWA for funds.
Similarly, The Maa SHG group in Deogarh with a loan of Rs 1 lakh
from BISWA began a business on Mahula (an NTFP) and paddy.
Soon, the total sales rose to Rs.1,20,000, giving them a profit of
Rs.20,000. All the 10 members of this group then went ahead with
yet another loan from BISWA, This loan of Rs 2 lakh was used to
set up a shop unit. Besides, the SHG set up an STD booth-cum a
Xerox and Lamination centre. This apart, a transport vehicle has
been purchased that is hired out on demand. All the group
members now lead a comfortable life with a monthly income of Rs.
5-7, 000 each.
Micro-enterprise
BISWA initiated micro-enterprise in a bid to provide support and
develop effective strategies to improve the livelihood of the poor.
Micro-enterprise basically means a small-scale business unit that
starts with an investment of Rs. 25,000 to Rs. 75,000 only. BISWA,
through micro-enterprise aims at providing opportunities for self-
employment by developing skill and entrepreneurial attitude to
reduce poverty.
We have, till date, optimized resource support to more than one
lakh skilled micro–entrepreneurs in Orissa. Besides promoting agro
and forest based micro-enterprises, three common facility centers
for artisans have been established at Rengali, Katapalli and Balakati
in Sambalpur, Bargarh and Khurda districts of Orissa.
Path to excel
Manoj Kumar Maharana is a well known craftsman of Rengali
village in Sambalpur district. He works on brass and bell-metal
and has his own unit and is popular among the fellow artisans in
the area. But things were not the same for Manoj till a few years
ago. This 30-year old artisans’ family depended on the traditional
brass and bell-metal craft and a small patch of agricultural land for
livelihood.
With a family of three sons and four daughters, it was a hard task
for Manoj’s old father to meet the basic requirements of this
oversized family. This drove Manoj’s brothers to Rangoon in search
of jobs. Unlike his siblings, Manoj preferred to stay back and help
his father with the craft. When Manoj married at an early age of
22, his income was Rs.6,000 per annum with an average of Rs.
500/- per month.
In 1999, Manoj learnt about the NABARD cluster development
programme and the REDP conducted by BISWA. Soon he joined
the BISWA-SHG for artisans and was trained under the upgradation
training to be a semi-skilled craftsman in brass and bell-metal craft.
After the 45-day REDP training and 15-day training in design
development, Manoj skill enhancement helped him make more
decorative items as per the market demand. This training also made
him eligible as an artisan entrepreneur under which he could avail
loan of Rs. 1,00,000. With the loan, Manoj established his own
unit in Rengali which boosted his earning to a decent Rs. 20,000
per annum
49
Annual Report
2006-2007
 BISWA Bharat Integrated Social Welfare Agency

Workshop on Road Safety

Seminar on Maternal Health Care

50

Annual Report
2006-2007

World Disable Day Celebration

Section - 4

Events,
Activities &
Recognition 51

Annual Report
2006-2007
 BISWA Bharat Integrated Social Welfare Agency
Events of the year
Advocacy
Regional workshop on Juvenile Justice (Care and Protection
of Child) Act - 2000
Sambalpur, March 13; A regional workshop on Juvenile Justice
(Care & Protection of Children) Act, 2000 was organized here by
BISWA in collaboration with Basundhara, Cuttack. The workshop
was conducted at the BISWA Training Institute (BTI), where Dr.
Diptibala Pattnaik, consultant, BISWA presided over the meeting.
Issues like Quality Institutional Care (QIC) and Alternatives for
Children (AC) on Juvenile Justice Act were discussed. Mr. Harihar
Naik, Coordinator, Basundhara described the motto of Juvenile
Justice Board and the means to protect children in conflict with the
law. Mr. Naik described the procedures required in the formation
of a Child Welfare Committee (CWC) and the protection of child
rights under Juvenile Justice Act-2002. Mrs. Saila Behera from
Basundhara summarized the aims and objectives of the workshop
besides explaining the measures needed to be followed for the
protection of poor, neglected, trafficked and abandoned children.
She also described the role and functioning of CWC toward social
rehabilitation, reintegration of deprived children, role of press in
childcare, alternative family restoration, etc. Salient features of
juvenile justice and role of community and civil society organizations
in the protection of child rights were also conferred upon in the
workshop.
Legal Literacy Awareness camp
Sambalpur, March 25; BISWA, in association with the District Legal
Services Authority (LSA), organized a one-day Legal Literacy/
Micro-finance & Micro-insurance
52 Training on Financial management
Sambalpur, July 24; A three-day training program on financial
Annual Report
management was organized by BISWA from 24th July to 26th July
2006-2007 at Panthanivas. This training program supported by CARE,
Bhubaneswar aimed to enhance the knowledge of participants on
financial management. Mr. K.C. Malick, Chairman, BISWA
inaugurated the program and explained the objective of the
programme. Resource persons from CARE-CASHE, State
Coordinator of BISWA, Chattisgarh and district co-coordinators in
Orissa participated in the program.
Oriental Insurance workshop
Sambalpur, July 5; A Workshop-cum-Awareness meeting was
organized by the Oriental Insurance Company at the BISWA
Training Institute here. All the state/zonal/district coordinators,
second line staff members and other key functionaries of the BISWA
Head Office participated in the workshop
Federation Training Program
Deogarh, July 13: BISWA organized a comprehensive Federation
training program at Deogarh on 13 July 2006. The program intended
Awareness Camp. The meeting held at the Naktideul College
premises was presided over by Mr. A.K. Bir, President, Bar
Association, Rairakhol. Several dignitaries graced the occasion
and conferred on the need for legal awareness. Narrating the aims
and objectives of the workshop, Mr. M.K. Mishra, Secretary, DLSA
remarked that law is essential for social security. He explained the
legal procedures and appealed that the participants should go in
for one-to-one discussion to generate mass awareness. Apart from
the judicial staff, around 400 women members from 40 SHGs
attended the meeting. Different Acts and court procedures were
discussed in the workshop and the response was overwhelming.
Resource persons from the legal field welcomed BISWA for this
initiative and cleared the doubts that the participants had on various
legal issues.
Paribarik Mahila Lok Adalat
Sambalpur, April 7; The first state level Paribarik Mahila Lok Adalat
(PMLA) was organized by the District Legal Services Authority, in
collaboration with BISWA at District Civil Court. Honorable Justice
Mr. I.M. Quddusi graced the occasion with his expert guidance.
During the session that was held from 11 AM to 1 PM, the
counselors of BISWA brought 64 cases to notice, of which six cases
were settled with mutual understanding of the parties. At the end
of the Adalat, the Chairman of State Legal Services Authority
appreciated the efforts of BISWA and expressed interest in future
collaboration with the team in other districts.
to highlight the importance of federations in future. The program
also covered training in record-keeping and other documentation
procedures related to federation. All the Area Coordinators and
Unit-Coordinators from Deogarh participated in the training
program.
Workshop on Micro Finance
December 2006 : BISWA in December organized three workshops
to sensitize the public regarding the benefits of insurance coverage.
The first workshop organized on 26 December 2006 at Koraput
was attended by ten persons. Similarly the second workshop
organized on 27 December 2006 in Kalahandi was participated by
12 people. The third workshop was organized on 28 December
2006 at the central office of BISWA at Danipali, Sambalpur. Fifteen
persons participated in the event. The objective of these workshops
was to identify the existing norms in micro insurance and to draw
a common view on need assessment, product design and delivery
mechanism in micro-insurance.
Health & Sanitation
Total sanitation campaign and role of BISWA
Safe drinking water and sanitation are critical determinants of public
health. Together, they can reduce the burden of fighting
communicable diseases. Though central and state governments
have extended budgetary support for Total Sanitation Campaign
(TSC), the unfinished task, particularly in sanitation, is enormous.
BISWA, on 14 Dec 2006 organized a sensitization programme on
TSC in collaboration with Gram Vikas at Nuapali village of Bheden
Block. More than 300 persons attended the programme including
members from SHGs and the ward.
The objective of the programme was to ensure availability, use
and maintenance of sanitary latrines for safe and hygienic disposal
of human excreta in rural areas.
A three day programme was held on TSC at three different places
namely Balipatna village in Khurda district, Krushnadaspur of
Kendrapada district and Barbati village of Nayagarh district on 17,
18 and 19 Jan’ 07 respectively.
The objective of the programmes was to create awareness among
the villagers on the problem of improper sanitation and diseases
caused by using contaminated water.
Though it is not an easy task to achieve 100 percent proper
sanitation in rural areas, BISWA firmly believes that nothing is
impossible. A change of attitude, proper attention and an effective
implementation policy can ensure the success of Total Sanitation
Campaign.
Health camp at Baramunda Federation Office
Date: 4-5 February 2007
BISWA with support from ABN-AMRO Bank and Sandoz at
Baramunda Federation Office organized a health camp on 4
February 2007. More than 350 patients were treated by a team of
doctors headed by Dr. R.C. Agarwal, Dr A.T. Panigrahi and Dr.
Kishore Barei. Apart from common cold, cough, anemia and
arthritis, the physicians found some patients with TB symptoms.
Another health camp was organized by BISWA at Jhankarbahali
on 5 February 2007 where more than 350 patients were treated by
Dr. Kishore Barei. Most of the patients were suffering from common
cold and cough. The camps saw the presence of representatives
from BISWA, ABN-AMRO and Sandoz.
BISWA in TI program of OSACS
Orissa State AIDS Control Society (OSACS) has launched its Phase
III Targeted Intervention (TI) program all over the state to control
the pandemic, AIDS. The objective of this intervention is to provide
care services to the identified core and non-core group s and to
create consciousness regarding the pandemic among the public.
Field Training of ASHA volunteers
29-30 January 2007
BISWA organized a three-phased training program, in collaboration
with the National Rural Health Mission, for Accredited Social Health
Activists (ASHA) volunteers at Jujumura and Lipinda CHCs. The
first phase was organized on 29-30 January 2007 whereas the
other two were organized on 31 January and 1 February 2007 and
14-15 February 2007 respectively. Representatives and health
workers from BISWA contributed positively as resource persons in
this three-phase training program.
Orientation program on water and sanitation
7-8 March 2007
BISWA organized an orientation program on water and sanitation
at its district office in Dhenkanal on 7 March 2007. The details of
water and sanitation project implementation, plans and procedures
were discussed with the DC, the organizers, field staffs and office
staffs during the meeting.
A similar program was organized at Barbati village in Bhapur block,
Nayagarh district on 8 March 2007. A committee was formed during
this meeting to raise awareness on health, water and sanitation
53
among the villagers. The meeting attracted wide participation from
the villagers.
Annual Report
Observation of World Health Day 2006-2007
7 April 2007
BISWA observed the World Health Day at its central office at
Danipali, Sambalpur; with the theme given by WHO for 2007.
BISWA’s approach towards health is an integrated one, which
includes elementary education, skill development, water and
sanitation and economic empowerment.
A panel discussion was organized where International Health
Security was discussed. It is opined that health security needs to
be addressed through coordinated action and cooperation between
the Governments, corporate sector, civil society and individuals.
Workshop on Safe Motherhood
Deogarh, April 26: Thousands of women die of various problems
related to pregnancy and childbirth. Thousands more experience
 BISWA Bharat Integrated Social Welfare Agency
complications during pregnancy, many of which are life threatening
for them and the newborns, leaving them with severe disabilities
at times.
These dangers related to childbirth can be reduced with proper
health check up during pregnancy.
BISWA organized a one-day workshop on ‘Safe Motherhood’ at
Parposhi village of Tileibani Block in Deogarh district on 26 April
2007. The workshop was supported by Nehru Yuba Kendra
Sangathan in collaboration with UNICEF.
Issues related to safe motherhood and related government
schemes were discussed in this workshop. The participants actively
involved themselves in the event. Resource persons from health
sectors explained Janani Surakshya Yojana (JSY) to the
participants and a detailed discussion on the facilities extended to
mothers was discussed.
Safe Motherhood Adalat
18 to 22 July 2007
BISWA coordinated an Adalat on safe motherhood at Sambalpur
Auditorium on 14 September 2006. More than a thousand mothers
gathered to lodge their grievances before the Orissa State Women
Commission (OSWC). Sri K.C. Malick, Chairman, BISWA presided
over the function. Speaking on the occasion, the guests outlined
their role in organizing programs on safe motherhood. The
participants clarified their doubts on safe motherhood during this
interactive program.
International Voluntary Blood Donors Day
14 June 2007
The ‘International Voluntary Blood Donors Day’ was celebrated
worldwide on 14 June 2007 under the theme ‘Safe Blood for Safe
Motherhood’. The Day has been endorsed by World Health
Organization, which cosponsors the event. This day provides a
special opportunity to thank all the voluntary (non-remunerated)
blood donors. BISWA organized a meeting to felicitate the voluntary
54 blood donors on this day. Mr. K.C. Malick, Chairman, BISWA
informed the house on the existing facilities at BISWA related to
Annual Report
2006-2007
World Aids Day Rally
health care and conferred on the plans to enhance these facilities.
He assured to provide ambulance service in all the districts of
Orissa. A resolution was made to make it compulsory to organize
blood donation in every health camp organized by BISWA. As the
Chairman, Mr. Malick shared BISWA’s plans to donate contribute
100 units of blood in every district of Orissa.
Health camp of RCH-II
23 June 2007
A health camp on Reproductive Child Health-II was organized by
BISWA at Tampargarh village in Jujumura block on 23 June 2007.
The main objective of this health camp was to create awareness
among the villagers on AWW, TBA and ASHA workers. On the
same day, another health camp on ANC/PNC was organized by
BISWA in Jujumura block
Orientation Program on Water and Sanitation
24 September 2006
A two-day orientation program on water and sanitation was held at
Nuapali village of Kubedega Gram Panchayat in Bargarh district
on 20 September 2006. The main objective of this program was to
sensitize the people on water and sanitation related issues. People
from Gram Vikas Parishad and BISWA Self-Help Groups members
participated in the event.
BISWA in world AIDS Day Celebration
1 December 2006
As a part of the daylong celebration in connection with World AIDS
Day on 1 December 2006, a motor cycle rally was organized by
the Students of N.S.C.B. College in collaboration with BISWA.
Leaflets on AIDS awareness were distributed among the public.
BISWA Old Age Home
16 February 2007
The foundation stone of BISWA Old Age Home at Huma was laid
by Mr. K.C. Malick, Chairman, BISWA. The home will have eight
rooms designed for care and comfort of its inmates (elderly persons)
referred by the compassionate donors for the cause.
Drug Distribution Camp
Livelihood & Income Generation
Rooftop water harvesting structure
9 June 2006
BISWA organized a handover ceremony of a rooftop water
harvesting structure at Jujumura Girls High School of Jujumura
block on 9 June 2006. This structure was constructed by BISWA
with support from AGRAGAMI, Kashipur, Rayagada. On
completion, it was handed over to the Roof Top Water Harvesting
Structure Committee (RTWHSC) of Jujumura block.
BISWA Intervention in Tribal Development
A base line survey conducted by BISWA in the tribal areas of Raipur
District in Chhattisgarh revealed that the development in this area
is much below the national average. As per the survey, the per-
capita income of the Kamar tribe in this area was Rs. 300/- per
month. The locals were dependant on the nearby forest called
Maleiba Hill with bamboo as the only means of their survival.
However, in the process they were destroying the forest.
These findings moved BISWA to intervene in these areas. The
project was initiated from Kantidadar village in Gariabandh block.
It imparted training to 20 SHGs on making bamboo stick (Khadi)
for incense. Women in these areas were given training on making
cups and plates with Siali leaves. BISWA provided 40 machines
for this purpose and helped the producers establish a market link.
After six months, the per capita income of these tribal women
increased to Rs. 40 per day.
This project under the micro-enterprise development program of
BISWA has brought sustainable change in the economical
conditions of these poor tribal women.
The process was also found to be helpful in checking deforestation.
There is a noticeable boost in the school attendance and the per
capita income of the tribal people has also increased.
Sisal Fiber Weaving Training
24 April 2007
BISWA, organized a 2-month training programme on ‘Sisal Fiber
Weaving’ at Deogarh. It was inaugurated by Mr. Ambika Prasad
Bamboo Craft Training Participants
Mishra, District Magistrate & Collector, Deogarh on 24 April 2007
at Tuhila village of Riamal block. The Training was supported by
NABARD.
On the same day, another awareness camp on Bamboo cultivation
and its benefits was organized by BISWA, at Bamparada village in
Barkot block. The main objective of this camp was to raise the
financial conditions of the schedule tribes of Bamparada village,
whose prime source of livelihood is the sale of bamboo products.
Livelihood pattern analysis
24 September 2006
A training program on Livelihood Pattern Analysis was organized
at Sambalpur with supports from Newano Peace Foundation (NPF),
Japan on 12 July 2006.
The main objective of his training program was to analyze the
livelihood pattern of people in the Maneswar Block. Various
resources (such as human, natural, financial, social and
institutional) available in that region that have direct impact on the
livelihood of the people were also analysed. Around 15 participants
attended the training program and conferred on various measures
to promote livelihood.
SHG product Exhibition
21- 30 March 2007
An exhibition of SHG products was organized by BISWA,
Sambalpur at Panihati Municipal Hall in Kolkata. This exhibition
was held from 21 to 30 March 2007. D.C. Handicraft (Ministry of
Textile), New Delhi sponsored this exhibition.
Five master artisans of bamboo craft, Sambalpuri handloom, palm
leaf, Patta Chitra and bell/brass metal exhibited live demonstrations
on the crafting procedure of the products. 21 artisans participated
in the exhibition.
Workshop on Solid waste management
55
24 April 2007
A workshop on ‘Solid Waste Management’ under National
Environmental Awareness Campaign was organized by BISWA on Annual Report
2006-2007
Income Generation Activities by a Tribal
 BISWA Bharat Integrated Social Welfare Agency
24 April 2007 at Gopal U.G.M.E. School, Gopalmal. Members of
SHGs, students of 6th and 7th grade and the teachers of the school
participated in this workshop program along with BISWA
representatives.
Valediction of SJSY training Programme
5 May 2007
BISWA celebrated the valediction of ‘Swarna Jayanti Swarojgar
Yojana (SJSY)’ training program on candle making, incense-stick
making and food preservation at Kalyan Mandap, Hirakud NAC on
5 May 2007. The training program aimed at providing skills to
participants for their economic empowerment through small
enterprises. Members from different SHGs in Hirakud NAC
participated and benefited from the training.
PRI sensitization workshop
31 March 2006
BISWA organized a sensitization workshop for PRI members in
Tampargarh Gram Panchayat of Jujumura block on 31 March 2006.
My-Heart, a Bhubaneswar based organization supported this event.
The main objective of the workshop was to convince the PRI
members to contribute in improving the health and sanitation
conditions and establish Community Based Drug Distribution (CBD)
centers in their villages. PRI members from this locality participated
in the workshop.
AGP Organizers’ Training at BISWA
20-27 June 2007
A 7-day training programme for the organizers of Awareness
Generation Programme (AGP) was held at BISWA Head Office,
Sambalpur. The programme was sponsored by Central Social
Welfare Board, New Delhi and State Social Welfare Board, Orissa,
Bhubaneswar. It was managed by Vishwa Jeevan Seva Sangha
(VJSS), Khurda. As many as 30 participants from districts of
Western Orissa representing various NGOs, clubs, and unions
56 participated in this training camp.
Entrepreneurship Development Program
Annual Report 22-23 June 2006
2006-2007
BISWA organized a two-day training program for SHGs at its central
office in Sambalpur on 22 and 23 June 2006. The objective of this
training program was to develop entrepreneurship skill among the
members of Self Help Groups. The program aimed at providing
adequate knowledge and opportunity to people along with financial
support at grass root level that would enable them to invest their
money for livelihood generation.
Sensitization of SHG leaders
16 July 2006
BISWA organized a program on ‘Sensitization of SHG leaders’ at
Kala village, Deogarh District on 16 July 2006. This program was
supported by NABARD. The main objective of this program was to
enhance the leadership qualities of SHG members. All the district
level and block level officials from Deogarh district participated in
the program.
BISWA SHG Convention
24 September 2006
BISWA and CARE jointly organized an urban convention of women
Self Help Groups at Aranyaka Mancha, Sambalpur on 24
September 2006. More than a thousand members were present
during the convention. The event was organized under Mr. K.C.
Malick, Chairman, BISWA. Earlier, a similar regional-level women
SHG convention took place at Rairakhol on 13 September 2006.
Relief and Health camp for Fire Victims at Kandheriapada
31 March 2006
An accidental fire mishap rendered about 200 people homeless
late on 31 March 2006 at Kandheriaparda near Jamtangi Chowk,
Boudh district. BISWA took immediate action and organized relief
work with food, clothing and sheltering material (polythene sheets).
It also supplied ready-made garments to children on 3 April 2006.
BISWA organized a health camp at Kandehriapada on 8 April 2006
for the fire victims who were seriously affected by the tragedy.
Around 300 persons were treated in the camp by Dr. Anil Mishra,
Asst. Professor, VSS Medical College and Hospital, Burla. Free
medication facilities were provided to the fire victims.
Smiles at SWADHAR
6-8 March 2007
A three-day training programme was organized from 6-8 March,
2004 through an NGO Ranjai, Pune, with the collaboration of CPCB
Zonal Office-Vadodara for the NGOs located in western states,
with an overall objective to educate them in the field of environment
and pollution control.
Observation of Road Safety week
29 April 2007
BISWA celebrated the Global Road Safety Week on 29 April 2007.
Speaking on the occasion, Mr. K.C. Malick, chairperson, BISWA
expressed concern about road accident situations in India. He
highlighted the initiatives taken by BISWA to address road accident
victims.
The Chief Guest Mr. Agnihotri, Transport Commissioner lodged
his concern and highlighted the importance of a control room and
help-lines to handle mishaps. He praised BISWA activities and
assured BISWA of his support.
Observation of ‘World Environment Day’
5 June 2007
BISWA observed the World Environment Day under the leadership
of Mr. K.C. Malick. Showing BISWA’s concern in this regard, Mr.
Malick Chairman, BISWA said that the organization would plant at
least 1 lakh trees in Sambalpur urban area to protect the
environment.
Women Empowerment
BISWA in MSS movement
14 February 2007
A three-day conference of Mahila Shanti Sena (MSS) took place
at Sarnath, Varanasi from 14 February 2007. MSS, meaning the
“Women’s Peace Force”, aims at creating a peaceful society by
boosting the morale of women. The organization has a strong cadre
of 5,000 women members from Bihar, Assam, Arunanchal Pradesh,
Tripura and Manipur.

Representatives from different states presented notes on the

progress of the movement in their respective areas. Considering
the fact that more than 98% of members of SHGs being promoted
are women, BISWA was included in the movement to further the
cause in Western Orissa. Ms. Kiranbala Acharya, APRO,
represented BISWA in this conference.

BISWA: Activities in the Districts

Kandhamal: BISWA has joined hands with CMF to carry out anti-
malaria campaigns in 9 villages of Chakapada, Tikabali, Phiringia,
Raikia blocks of Kandhamaal district. It also plans to provide
mosquito nets to the locals in these villages under anti-malaria
campaign.
Cuttack: BISWA has organized three eye camps in Khuntuni, Bali
and Kakhadi villages in Athagarh block of Cuttack. By the end of
September 2007, three enterprise-training programmes (one on
goat rearing and two on diary) were undertaken while three other
enterprise-training programmes on vegetable farming and micro-
business training are scheduled to embark in October 2007 in Banki
and Mahanga blocks.
Bargarh: The training for the first three batches on brass and bell
metal in Katapali village has been completed. 60 persons (20
artisans in each batch) have been benefited from this training.
of BISWA. An awareness programme for SHG members was held
at Burda in Loisingha block in January 2007 where 100 women
SHG members from 40 SHGs (from both BISWA & ICDS)
participated. The programme was financed by NABARD. Under
its health projects, BISWA held a malaria eradication and
awareness campaign in joint collaboration with the Institute for
Financial Management and Research Centre (IFMR). A survey on
malaria was conducted in 33 villages, covering 1550 members
from 132 SHGs. As a part of anti-malaria campaign, free insecticide
treated nets were distributed in this area.
Malkangiri: Training programmes under the TCPC project was
held in various blocks of Malkangiri District. The bamboo craft
training programme started on December 2006 with 75 members
at Kanbai and 30 members from Panaspur Gram Panchayat. Tribes 57
in Padmagiri Gram Panchayat were trained on Dhokra casting.
180 persons were trained in Bamboo Craft and 75 on Dhaokra Annual Report

Jharsuguda: Around 4,000 locals in Jharsuguda district were casting. 2006-2007

benefited though five filaria eradication activities and 10 health

camps conducted under the health initiative of BISWA. The
organization also arranged for free eye operation to 100 patients
and implemented sanitation programmes in Lakhanpur block.
BISWA has also provided employment to 45 youths in the area.

Nuapada: Under the TCS projects, BISWA assisted the

construction of toilets along with water supply at 39 places including
the SSD Hospitals and girls’ hostels in Nuapada district. A Bamboo
Craft Training unit of BISWA is also functioning in the district to
provide training and livelihood support to the needy.

Bolangir: A training programme on candle making was held from

18.04.2007 to 02.05.2007 at Burda village in Loisingha block. The
programme was financed by NABARD for around 20 SHG members
 BISWA Bharat Integrated Social Welfare Agency
Jajpur: So far, BISWA has covered seven out of 10 blocks in Jajpur
forming 460 SHGs in 231 villages. It is also operating training and
marketing unit for the weavers in Gopalpur. A health camp for these
weavers was organized in March 2007. BISWA has aided the SHGs
to develop small-scale industries and enterprises here.
Dhenkanal: Under its health initiatives, BISWA has been organizing
eye-camps in Dhenkanal during 2006-07 benifitting around 100
Visits
Our humble initiatives have had the good opportunity to be noticed
by experts in various fields. This can be judged by the visitors we
had during the past few months. BISWA thanks all its well wishers
for their interest shown. Their visits have inspired us to work more
diligently towards fighting poverty.
Exposure visit to BISWA
January 27: A team of 60 persons from NISWARTH, a Nayagarh
based NGO headed by Mr. Arun Kumar Mohanty, Chairman;
NISWARTH visited BISWA and had a discussion with Mr. K.C.
Malick
TATA AIG Officials Field Visit
July 17-20 ‘2007" A group of High-level TATA AIG officials visited
BISWA to study the health scenario in the region The delegates
who took a trip to Kuchinda discussed issues with SHG members.
The team also visited Rairakhol that was followed by a meeting at
BISWA Head Office
Visit to AMBABHONA
12 July 2007:Mr. Abhijit Banerjee, Manager, TATA AIG, Eastern
Zone visited Bargarh District Office on 12 July 2007. and discussed
the changes that have been observed in the last year with BISWA
Self Help Federation.
58
Annual Report
2006-2007
With Development Partners and Funding Agencies
people in this area. This apart, 43 families have had advantage of
the sanitation programmes held at the Gondia block under the
Water and Sanitation Programme of BISWA.
Kendrapara: BISWA has as many as 530 SHGs with 6633
volunteers working in this district. It has provided Water and
Sanitation facility at Krushnadaspur and Bhomonda villages in this
district besides holding training programmes on micro-enterprises
for 20 SHGs in Kendrapara, Mahakalpada and Derabisi.
Guests’ visit
Eminent guests from CMI and ASA; Mr. Willen Nolem, Mr. Martijn
Bollen, Md. Ashraf Ul Choudhury and Md. Azim Hossain visited
BISWA for 3 days. They visited BISWA’s CFC at Rengali, and
Dhankuda Federation at Barmunda and the Deogarh Branch office
of BISWA to study branch and group functions.
SIDBI officials visit
Mr. Ranjoy Choudhury of Small Industry Development Bank of India
(SIDBI), Bhubaneswar, visited BISWA office at Bhubaneswar and
SHGs in the villages of Balipatna & Balianta on 9th Dec 2006. The
objective was to discuss their activities and plan of action of BISWA
for these groups in detail.
Visitors from ABN AMRO Foundation
Ms. Aletta Dominique Jansen, Member from Holland, ABN AMRO
Foundation visited BISWA on 7 July 2007 and stayed here for a
week. Mr. N. Sunil Kumar, Head of ABN AMRO Foundation, Mumbai
joined Ms Jansen on 10 and 11 July 2007. During this visit, they
toured to see the activities carried out by BISWA in rural areas.
They went to Hatibari Health Home, Rengali, Laxmipriya, Waste
Plastic Unit Baduapali, Dhankuda, Katapali and Chouldipo Para. A
small introductory meeting was organized at the Head Office during
their visit.
Accomplishments
Award and Reward

Micro Finance Award Micro Finance

Process Excellence
Micro Finance Process Award 2005
Excellence Award 2006

Conferred to BISWA jointlyby

Conferred to BISWA jointly by PlaNet Finance
PlaNet Finance and ABN Amro Bank
and ABN Amro Bank

Memento Micro Insurance

Award 2006-07

In recognition of effective Conferred to BISWA jointly by

participation in the Credit And PlaNet Finance
Savings for Household and ING Vysya Bank
Enterprise (CASHE) project
of CARE India
As Best Shine in the Micro
1999-2006
Insurance sector 2006-07

59

Memento Micro Enterprise Annual Report

2006-2007

Award
Conferred to Reena
In recognition of contribution of
Mahanand by Citigroup
BISWA in governance sector
As Best Entrepreneur
by Indian Society for Training
& Development,
Reena Mahanad is a member
Sambalpur Chapter
of BISWA SHG,
Stationpada Group No. 1
 BISWA Bharat Integrated Social Welfare Agency

Accomplishments
Award and Reward

Memento Certificate of
Appreciation

In recognition of contribution For contribution of

of BISWA Jointly Mr. K.C. Malick, Chairman,
in Microfinance sector by BISWA in social service
SIDBI, CARE
& Mission Shakti by
Sambalashree
An eminent Oriya weekly

Memento BISWA
The winner of Best
Organisation Award for
For contribution of contribution in
Mr. K.C. Malick, Chairman, Health, Nutrition and
BISWA in Human Rights
Population
by
Forum for Fact Finding
Documentation and Advocacy
An eminent Oriya Weekly

60

Annual Report
2006-2007
Certificate of KM Memorial Award
Appreciation
Conferred to BISWA for
Outstanding Contribution
in Creating Environmental
For contribution of Awareness
Mr. K.C. Malick, Chairman, by
BISWA in social service Nehru Institute of Youth
by Affairs
Bharat Drashan
An eminent Oriya Daily
Section - 5

Partners, Supports,
Human Resources
& Finance 61

Annual Report
2006-2007
 BISWA Bharat Integrated Social Welfare Agency

International Partners
Name Country Scheme
IGSSS Germany Vocational Training
Dikonia Emergency Germany Emergency Relief
Dikonia Sweden Integrated Tribal Development Programme
NOVIB(Through FFDA) Netherlands Human Rights Protection
FVT-Katholocshe Zentralstelle Germany Vocational Training
Sight & Life Switzerland Ophthalmic care
Misereor Germany Common Facility Center
Niwano Peace Foundation Japan Integrated Rural Development
SEEDS USA Plantation
Orissa Foundation USA Innovative schools
Asha for Education USA Non Formal Education
CARE-India (Orissa) India Micro Finance Programme
UNIDO India Handicrafts & Handloom Cluster Development
UNICEF India Child & Mother Welfare

National Partners
Name Scheme Purpose
CARE-India Orissa CARE SHG Training Promotion of SHGs and their capacity building
CARE-India Orissa CARE-Micro Finance Micro credit to SHGs and their thrift & savings
Mahila Vikas Samabaya Nigam Vocational Training Employment opportunity creation through tailoring
Development Commissioner (Handicrafts) AHVY Income generation of the artisans
NABARD SHG promotion Promotion of SHGs and their capacity building
Ministry of Health & Family Welfare RCH RCH activities throuth MY-HEART
Family Planning Association of India (FPAI) Family Planning Programme Counseling and clinical service to the poor
CPR Environment protection Environment protection
DSWO, Sambalpur Vocational training Income generation programme for Leprosy
National Child Labour Project (NCLP) Child Labour Education Vocational training for better future income
62
OBA Bignyan Mela Science awareness
Central Social Welfare Board, Govt. of India Family Counseling center Family Counseling
Annual Report
2006-2007
Directorate of Handicrafts Cluster development Training to bamboo artisans
Ministry of Environment & Forest NEAC Environment awareness

Other Institutions Financial Institutions & Insurance

l Entrepreneurship Development Institute of India l State Bank of India l Rashtriya Malila Kosh
l Forum for Fact Finding & Documentation (FFDA) l ABN AMRO Bank
l Opportunity Micro Finance India Ltd. l ICICI Bank l LIC of India
l Family Planning Association of India l AXIS Bank l ICICI Lombard
l Department of Women & Child Development, GOI l HDFC Bank l TATA AIG
l Ministry of Human Resources Development, GOI l SIDBI l Oriental Insurance
l Ministry of Environment & Forest, GOI l Bank of India Company
l Mahila Vikas Samabaya Nigam, Govt. of Orissa l Citi Bank
l State Social Welfare Board l Utkal Gramya Bank
l Orissa Bigyan Academy l FWWBI
 BISWA MICRO FINANCE - Operational Disclosure
BISWA MICRO FINANCE PROJECT
PROGRESS PERFORMANCE AT THE END OF JUNE-2007

    1994-02 As on As on As on As on As on As on As on
  Mar-03 Mar-04 Mar-05 Mar-06 Mar-07 May-07 Jun-07

A. GEOGRAPHICAL COVERAGE
1 No. of State 1 1 1 1 9 9 9 9
2 No. of Districts         61 61 61 61
B. S.H.G ANALYSIS              
1 Total SHG Formation 558 982 2,265 4,699 12,437 22,768 23,411 23,418
2 Average SHG per SHG Promoter 56 49 67 50 52 60 62 62
3 Total S.H federation formed     3 12 67 164 191 191
C. GRADATION OF SHGs            
1 Grade-A   238 244 1,467 5,135 11,241 12,374 12,782
2 Grade-B   157 482 1,133 3,084 6,531 7,264 7,549
3 Grade-C   198 118 136 947 1,280 466 550
  Total   593 744 2,736 9,166 19,052 20,104 20,881

D. MEMBERS STATUS  
1 Total Members 8,055 14,338 33,522 71,845 186,478 346,125 375,272 376,249
2 Average member per SHG/year 14 15 15 15 15 15 16 16
3 Average members per SHG Promoter 805 717 798 764 774 961 988 995
E. SAVING ANALYSIS                
1 Savings mobilized with the Group 2,154,996 3,563,644 8,374,605 15,864,140 38,984,200 95,456,892 107,870,683 109,476,030
2 Savings with the Institution       3,675,440 17,340,651 40,280,507 43,709,947 45,162,309
3 Total Saving Mobilized       19,539,580 19,539,580 135,737,399 151,580,630 154,638,339
4 Saving rate per member/year 268 249 333 272 105 392 404 411
5 Average Saving per SHG/year 3,862 3,830 4,930 4,158 1,571 5,957 6,475 6,603
6 JBY Insurance Coverage 0 0 0 3,780 14,598 60,196 68,342 73,222
7 ICICI LOMBARD-Health Insurance 0 0 0   44,852 153,223 153,223 153,534
63

2006-2007
Annual Report
 2006-2007
Annual Report
64
1994-02 As on As on As on As on As on As on As on 
      Mar-03 March 04 Mar-05 Mar-06 Mar-07 May-07 Jun-07 

F LOAN ANALYSIS                
1 No of Loan Disbursement 114 372 875 2,537 9,826 19,994 20,404 20,739
2 Amount of Loan Disbursed 552,775 9,606,913 23,610,052 86,027,150 648,007,642 1,751,772,310 1,798,930,327 1,818,046,760
3 Loan Size 4,849 25,825 26,983 33,909 65,948 87,615 88,166 87,663
BISWA

4 Lonee Members 1,318 4,598 10,895 31,612 123,027 253,737 258,563 262,801
5 No of Credit Officer 6 16 25 42 104 294 294 294
6 No of loan per Credit Officer 19 23 35 60 77 68 69 71
7 No. of Loanee per loan officer 220 297 436 753 961 863 879 894
8 Portfolio per credit officer 75,697 311,595 452,201 781,410 4,357,196 3,117,095 3,160,113 3,129,729
G. LOAN OUTSTANDING                 
1 No. of loan outstanding 114 372 742 1,658 8,044 15,170 15,481 15,749 
2 Amount Outstanding 484,151 4,985,512 11,305,028 50,451,116 557,721,112 942,194,633 929,073,198 899,140,392 
Bharat Integrated Social Welfare Agency

3 Avarage Outstanding 3,984 13,402 15,235 30,429 69,334 62,109 60,014 58,425 
4 No of active members 1,318 4,598 9,111 22,362 101,721 192,810 195,200 198,950 
5 Portfolio at Risk 0.50% 1% 1% 1% 30% 0.30% 0.30% 0.30% 
H REPAYMENT STATUS                 
1 Repayment from Borrowers 98.00% 99% 99% 99% 99.80% 99% 99% 99%
 Outreach BISWA has a plan to cover another 5 states by the end of 2008, totaling to 16 states. 26500 SHGs are
planned to be formed and nurtured; covering at least 424000 memberships.

Social Development BISWA shall focus on all its existing social dimensions giving thrust on both vertical and horizontal
development. The existing programmes shall be intensified and additional programmes shall be taken
up to cover aspects of quality of human lives which have not yet been addressed by BISWA; e.g.; labour
issues, reclamation of wasteland, conservation of bio-diversity, technical issues concerning
entrepreneurship etc.

Micro-enterprise BISWA plans to establish one Micro Entrepreneurship Development Institute (MEDI) with legal entity
under section 25 of Companies Act (not for profit). BISWA has met with all legal paraphernalia for the
purpose and the legal sanction is awaited. The title of the MEDI shall be Laxmipriya as accepted by the
Registrar of Companies.

The proposed MEDI shall be a resource institution in the micro-entrepreneurship development sector in
imparting training, providing technical and managerial guidance, provide consultancy on turn-key basis,
procurement of raw materials and other marketing facilities to BISWA as well as other institutions active
in the sector.

Micro-finance The micro-finance programme of BISWA follows a well planned road map. Following the map, BISWA
65
has established one Non Banking Financial Company at the apex level to cater the financial needs of
the sector. It has also promoted Self Help Federations at the community level. The Federations are
conglomeration of SHGs in a compact geographical area having legal entity as Mutual Benefit Trust Annual Report
2006-2007
(MBT) under the Indian Trusts Act. These Federations are community based client owned client managed
socio-economic intermediary institutions.

BISWA has a plan to promote 250 such Federations by the end of FY 2008 and build up the capacities
of the institutions so as to enable them to discharge their own financial and social obligations.

The NBFC and the credit programme of BISWA follow a well calculated projection (cash flow) for coming
5 years. Accordingly it is planned to disburse credit to the tune of Rs. 200 crores to as many as 26500
SHGs with an outstanding of Rs 193 crores. BISWA projects the net worth to be about 14 crores by the
end of FY 2008.

Savings by the clients (which is not utilized by BISWA) is projected to be mobilized to the tune of 28
crores; deposited in various banks or utilized by the respective SHGs as internal lending.

Under the social security programme, BISWA envisages to cover all the active members under its Life/
Health and Assets insurance schemes. BISWA is the corporate agent of LIC of India and is also associated
with ICICI Lombard and Oriental Insurance Co. Ltd.
 BISWA Bharat Integrated Social Welfare Agency

Human Resources

Despite being a civil society organization, BISWA stands out for its
Our In-house News Letter
professionally managed human resource. Our employee work on
set goals and are driven by strong human resource plans and
policies. The staff at BISWA is categorized into 8 different scales
starting from Assistant Manager to General Manager, where each
scale maintains a specific function. Besides, the village level
organizers working for community development and social
empowerment come under the ‘Special group’ category.

Presently the total staff strength exceeds 1300, who, besides being
a part of BISWA’s payroll enjoy the benefits of health insurance
and provident funds. Also they are eligible for staff loans with small
interest rate and easy repayment schedules.

BISWA follows strict appointment procedures and maintains a

personal file for each of its employee where his/her career growth
is stressed. In house and out house training of the staff is
emphasized and BISWA has its own training cell for the purpose.
The staff is also sent out to attend various training and workshops.
Every year there is a performance appraisal followed by salary
increment and promotion.

Our Staff…

Professionally educated (PhD holders, 7%

MBA & Rural Management)

Postgraduate 14%

Graduate 61 %

Undergraduate and Others 18 %

66

Annual Report
2006-2007
Chairman in discussion with Senior Staffs
BISWA Offices

Head Office National Liaison Office

Bharat Integrated Social Welfare Agency (BISWA) A-16, 4th Floor, Masjid Moth
At: Danipali, PO: Budharaja South Extension, Part-II
Dist: Sambalpur-768 004, Orissa, India New Delhi - 110049, India
Telefax: +91-663-2533597, Cell: +91 9437056453 Office: +91-11-46035197
E-mail: office@biswa.org, kcmalick@biswa.org E-mail: office@biswa.org, kcmalick@biswa.org
Website: www.biswa.org Website: www.biswa.org

BISWA Network Office Orissa West-Zone Office

38 Dharma Vihar Zonal Office, BISWA
Bhubaneswar - 751 030, Orissa, India At: Danipali, PO: Budharaja
Office: +91-674-6417338, Cell: +91-9937782343 Dist: Sambalpur, Orissa, India
E-mail: biswanet_mail@yahoo.co.in, sisir@biswa.org Office: +91-9238774825, Fax: +91-663-2533597
Website: www.biswa.org / biswanet E-mail: office@biswa.org, Website: www.biswa.org

Orissa East Zone Office Chhattisgarh State Office

Bharat Integrated Social Welfare Agency (BISWA) K-7, Agroha Grihanirman Society
Infront of GGP High School, PO: Rasulgarh, Bhubaneswar Sector-II, Ring Road-1
Dist: Khurda, Orissa, India Raipur, Chhatisgarh, India
Telefax: +91-674-2370544 Office: +91-771-6451927, Cell: 09754178349
E-mail: office@biswa.org, Website: www.biswa.org E-mail: cz_state@biswa.org, Website: www.biswa.org

District Offices

Deogarh Jharsuguda Kendrapada

At/Po: Mahuldhipasahi Lalobira, PO: Kutarimal, Via: Bamra At: Dhuria, Pandri, PO: Jamdar
Bolangir Bargarh Dhenkanal
At: Barpalipada (3rd Lane) Kali Mandir Chowk, Near College Road At/PO: Korian (BISWA)
Sundergarh Malkangiri
At: D 321, Sector-16, PO: Rourkela Puri
At: Post Office Line
At: Mousima Mandir, Grand Road
Sonepur 67
Angul
At: Bagmari, Near Hospital Chowk At: Similipada (Backside of PTC) Cuttack
PO/PS: Birmaharajpur UCO Bank Building, 2nd Floor, BK Road Annual Report
Koraput 2006-2007

Nawarangpur Nayagarh
At: Lingaraj Nagar, PO: Jaypur
At: Gaduaguda, Khandapara Road (near Mishra Colony)
(Near Telephone Bhawan) Jajpur
Mayurbhanj
Sambalpur At: Toramandan
At: Panchpur Women’s College, Karanjia
At: Danipali, PO: Budharaja, Jagatsinghpur
Ganjam
Kalahandi At/PO: Tirttol (D.I. Office Grant)
Panobika Sahi, Bhapur Bazar, Berhampur-1
At: Ram Nagar Pada, Bhawanipatna
Kandhamal
Gajapati
Boudh At/PO: Tikabali
Ram Nagar, Hatibari Road, Paralakhemundi
At: Batupali NAC (Near Forest Gate)
Keonjhar
Rayagada At/PO: Padampur, Via: Karanjia Bhadrak
At/PO: Balaram Nagar (Gurupur), Piteipur, Kantapada, Dasharathpur
Khurda (Bhubaneswar)
Nuapada Plot No. E/7 (Opp. GGP High School) Balasore
At/PO: Khariar, Near Civil Court PO: Rasulgarh At: Asimila, PO: Bahanaga
 BISWA Bharat Integrated Social Welfare Agency

Community Empowerment Training

Chairman with Swadhar Inmates

68

Annual Report
2006-2007

Women Member at Training & Production Centre-Chhatisgarh

 M PANIGRAHI & CO.
1099/3688, Satabdi Nagar,
Unit-8, Bhubaneswar
Pin-751 003, Ph: 9437003939

BHARAT INTEGRATED SOCIAL WELFARE AGENCY (BISWA), SAMBALPUR

AUDITOR’S REPORT TO THE MEMBERS

We report that we have audited the attached Balance Sheet of BHARAT INTEGRATED SOCIAL WELFARE AGENCY (BISWA),
SAMBALPUR, as at March 31, 2007 and also the Income & Expenditure and the cash flow statement for the year ended on that date,
annexed thereto. These financial statements are the responsibility of the Organisation’s Managing Committee. Our responsibility is to
express an opinion on these financial statements based on our audit.

We conducted our audit in accordance with auditing standards generally accepted in India. Those standards require that we plan and
perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatements. An audit
includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes
assessing the accounting principles used and significant estimates made by the management, as well as evaluating the overall financial
statements presentation. We believe that our audit provides a reasonable basis for our opinion.

Further to our comments in the annexure referred to above, we report that:

a) We have obtained all the information and explanations which to the best of our knowledge and belief were necessary for the
purpose of audit.

b) In our opinion proper of books of account as required by law have been kept by the Organisation, so far as it appears from our
examination of those books.

c) The Balance Sheet and Income, Receipt & Payment and Income Expenditure account dealt with this report are in agreement with
the books of account.

d) In our opinion, and to the best of our information and according to the explanations given to us, the said accounts together with
the notes thereon give the information required by the appropriate Act, in the manner so required and reflects the true and fair
view of the state of affairs of the Organisation in conformity with the accounting principles generally accepted in India.

i) in the case of the Balance Sheet, of the state of the Organisation’s affairs as at March 31,2007; and

ii) in the case of income & expenditure account, for the year ending on 31st March 2007; and 69
iii) in the case of Receipt & Payment Account for the year ending on 31st March 2007.
Annual Report
2006-2007

For M Panigrahi & Co.

Chartered Accountants

M. Panigrahi, ACA
Chartered Accountant
Bhubaneswar July 11, 2007 M No: 60115
 2006-2007
Annual Report
70
BHARAT INTEGRATED SOCIAL WELFARE AGENCY (BISWA), DANIPIALI, BUDHARAJA, SAMBALPUR
CONSOLIDATED BALANCE SHEET AS ON 31.03.07
Liabilities Amount (Rs.) Amount (Rs.) Asset Amount (Rs) Amount (Rs.)
Fy 2005-06) Fy 2006-07 Fy 2005-06 Fy 200-07

Capital Fund Fixed Asset

Opening 59,888,594.20 59,888,594.20 63,404,892.78 Opening 15,334,187.89 15,334,187.89
Add during the period 2,627,270.58 Add during the year 3,464,410.00
(Excess of Income over Exp) Less: Depreciation 2,343,580.94 16,211,449.95
Add Transfer FC Account 889,028.00 Less: Sale of Asset 243,567.00
Reserve Current Asset
Reserve Fund for Asset 1,065,020.00
Opening 0.00 63,500.00 1,128,520.00 Stock of materials 2,085,574.10 2,563,001.17
Add during the year Cash & bank balance 42,648,276.71 12,458,662.93
Temporary resticted Fund 4,198,582.81 2,029,169.34 Sundry debtors 766,506.50 1,951,079.94
BISWA

Funds & other receivable 2,845,052.50 6,580,244.50

Equity Capital (Margin Money) - 480,000.00
Loan and Advance
Reserve for unforeseen expenses - 65,000.00
Loans to SHG 557,721,112.00 942,194,632.47
Loans & Advances Advances 261,720.00 852,163.00
Loan from FFIs 516,122,007.63 841,160,756.68 Loan to different project 4,156,436.59 11,660,205.87
Loan from Gen fund 25,425,082.65 42,881,874.87 Deposits
CD Loan 1,528,990.00 2,072,802.00 Security deposit 298,901.00 283,913.00
Loan from Swadhar - 32,000.00 Fixed Deposits 2,575,000.00 2,575,000.00
Current liabilities & provision
Outstanding Expenses 5,310,676.00
Bharat Integrated Social Welfare Agency

Security Deposits 17,340,651.00 30,994,498.00

Provision for doubtful debt. 2,979,249.00 7,690,222.16
JBY premium 124,790.00 70,041.00
Scholarship to children 19,800.00 9,900.00
Total 628,692,767.29 997,330,352.83 Total 628,692,767.29 997,330,352.83
FUND MANAGEMENT ON BEHALF OF ICICI
Loan Fund
Loan outstanding-ICICI 407,989,240.69 329,749,500.72 Loan to SHGs-ICICI 407,989,240.69 329,749,500.72

Total 407,989,240.69 628,692,767.29 329,749,500.72 997,330,352.83 Total 407,989,240.69 628,692,767.29 329,749,500.72 997,330,352.83

For Bharat Integrated Social Welfare Agency For M Panigrahi & Co

(Biswa)
sd/-
Place: Bhubaneswar sd/- M. Panigrahi, CCA
Date: 11.07.07 K.C. Malick (Proprietor)
Chairman Membership No:60115
 BHARAT INTEGRATED SOCIAL WELFARE AGENCY (BISWA), DANIPALI, BUDHARAJA, SAMBALPUR
CONSOLIDATED INCOME & EXPENDITURE ACCOUNT FOR THE YEAR ENDING 31.03.2007

Expenditure Amount (Rs.) Amount (Rs.) Income Amount (Rs.) Amount (Rs.)
Fy 2005-06 Fy 2006-07 Fy 2005-06 Fy 2006-07

Stock 495,291.00 1,998,208.10 Grant in aid 12,195,265.36 15,935,548.00

Rawmaterials 3,193,524.00 3,715,486.00 Other Donation 60,693,771.70 1,821,165.00
Program Cost 31,940,065.22 39,711,916.30 Organisation Contributions 3,300,459.00 5,054,233.00
Financial Cost 11,322,096.72 68,680,819.86 Membership subscription 65,000.00 44,000.00
Administrative & Maintenance Cost 14,792,758.17 34,909,942.98 Membership subscription 43,560.00
from Network membeers
Deprictiation 1,912,650.14 2,343,580.94 Sale Proceeds 2,671,959.50 6,102,365.44
Provision & Taxes 2,322,864.00 4,710,973.16 Service Charges 36,693,500.77
Organisation Contribution 3,519,282.00 5,054,233.00 Loan Processing Fees 874,540.00 5,287,419.50
Equity Capital (Margin Money) 480,000.00 Intrest Received from bank 35,125.83 688,023.64
Reserve for unforeseen expenses 65,000.00
Interest received from SHG 32,717,892.00 87,700,079.40
Transfer to Various Program 43,516,267.70 84,850.00
Transfer to Reserve Fund for
Assets 488,200.00 63,500.00
Membership Subscription Premium from Individual 197,311.00
Transfer to Capital fund 889,028.00 Received from other Projects 43,516,267.70 84,850.00
FC Accounts
Other Misc. Collection 1,357,910.00 3,329,618.00
Miscellaneous expenses 156,357.00 Provident fund 231,168.00
Transfer to mFI as Corpus Fund 29,064,116.70 - Closing Stock 2,003,158.10 2,475,635.17
Transfer to mFI 9,178,268.00 -
Excess of Income over 71
expenditure 7,883,276.54 2,627,270.58
Total 159,628,660.19 165,491,165.92 Total 159,628,660.19 165,491,165.92 Annual Report
2006-2007

For Bharat Integrated Social Welfare Agency For M Panigrahi & Co

(Biswa)

sd/-
sd/- M. Panigrahi, CCA
Place: Bhubaneswar K.C. Malick (Proprietor)
Date: 11.07.07 Chairman Membership No:60115
 BISWA Bharat Integrated Social Welfare Agency

BHARAT INTEGRATED SOCIAL WELFARE AGENCY (BISWA), DANIPALI, BUDHARAJA, SAMBALPUR

CONSOLIDATED RECEIPT & PAYMENT ACCOUNT FOR THE YEAR ENDING 31.03.2007

Receipts Amount (Rs.) Amount (Rs.) Payments Amount (Rs.) Amount (Rs.)
Fy 2005-06 Fy 2006-07 Fy 2005-06 Fy 2006-07

Opening balance 3,539,239.33 42,648,276.71 Capital Expenses 11,368,388.00 3,464,410.00

Grant in Aid 16,114,425.78 12,987,583.53 Rawmaterial 3,263,069.00 947,976.00
Other Donation 61,093,771.70 1,821,165.00 Program Cost 31,728,179.22 37,173,750.30
Transfer from other projects 43,516,267.70 94,850.00 Financial Cost 11,322,096.72 68,680,819.86
Organisation Contributions 3,519,282.00 5,054,233.00 Administrative Expenses 14,920,844.17 34,909,942.98
Interest received from bank 35,125.83 688,023.64 Loan to individuals - 2,928,267.00
Interest received from SHG 32,717,892.00 87,700,079.40 Loan to SHG 648,007,642.00 1,103,764,668.00
Premium from Individuals - 38,019,917.00 Loan to Various Programs 2,873,811.50 9,561,105.50
JBY premium from SHGs 1,443,241.00 4,404,600.00 CD Loan 705,160.00 2,104,682.00
Loan processing charges 874,540.00 5,287,419.50 Loan repayment to GF 1,989,247.00 2,057,336.22
Sale Proceeds 2,084,957.00 5,087,792.00 Loan and Advances 261,720.00 603,700.00
Miscellaneous 1,357,910.00 38,601,574.77 Refund to ICICI - 14,107,171.15
Membership Subscription 65,000.00 44,000.00 Refund Loan to FIs 72,112,931.97 517,962,171.70
Membership Fees NGO Network - 43,560.00 Security Deposit 1,487,366.00 32,390,525.00
Loan collection from SHG 140,737,646.00 719,291,147.53 Refund to Member-JBY - 900.00
JBY Premium 1,123,140.00 4,458,449.00
Loan from FIs 533,682,800.00 853,617,462.75 Premium deposit - 38,268,380.00
Loan from Individuals - 13,499,862.09 Scolarship to children - 115,500.00
Loan from Swadhar - 32,000.00 Organisation Contribution 3,519,282.00 5,054,233.00
Loan and advance 33,408,703.65 9,561,105.50 Transferred to general fund 43,516,267.70 94,850.00
CD Loan 1,939,000.00 2,648,494.00 Transfer to mFI corpus fund 29,064,116.70 -
Sale proceeds- Fixed assets - 243,567.00 Transfer to mFI 9,178,268.00 -
Receipt from the receivable 398,476.00 - Loan to NBFC 2,483,787.00 -
Provident Fund - 231,168.00 Claim paid - 839,320.00
72 Ins. claim received - 583,736.00 Miscelleneous expenses - 150,357.00
Security Deposits 14,789,441.00 46,044,372.00
Annual Report
2006-2007
Advance realised - 261,720.00
Scholarship from LIC 19,800.00 105,600.00
Stationary Collection - 1,421,544.00
Loan refund 1,989,247.00 2,057,336.22
Security collection 4,443.00 14,988.00 Closing balance 42,648,276.71 6,459,813.93
Cash at Bank
Transfer from general fund for mFI 38,242,384.70 - Cash in hand - 5,998,849.00

Total 931,573,593.69 1,892,097,177.64 Total 931,573,593.69 1,892,097,177.64

For Bharat Integrated Social Welfare Agency For M Panigrahi & Co

(Biswa)
sd/-
sd/- M. Panigrahi, CCA
Place: Bhubaneswar K.C. Malick (Proprietor)
Date: 11.07.07 Chairman Membership No:60115