BISWA

Bharat Integrated Social Welfare Agency

Annual Report
2007-08
Empowering women

Education to under priviledged

Ensuring better health services in villages

 Contents
SECTION – 1: ABOUT US
BISWA Governing Body 06
Policy & Programme Advisory Council 07
BISWA Senior Team 08
Chairman’s Reflection 09
About BISWA 11
Recognition & Awards 12

SECTION – 2: ABOUT OUR FLAGSHIP PROGRAMME

Livelihood Promotion & Social Security
Micro Finance 14
Micro Insurance 19
Micro Enterprise 20
Artisan Cluster Development 23
Micro Marketing 27
Social Development
Innovative Schools 28
Creche for infants of un-organised women labour 29
Water & Sanitation 30
Urban Waste Management 34
Waste Plastic Recycling Unit 35
Health & Nutrition 36
Swadhar & Family Counseling Centre 40
Programme for Differently able People 43
Relief and Disaster Management 44
Natural Resource Management 45
Food Security Programme 47
Tribal Development 49
Minority Empowerment 49
Niwano Peace Foundation Project 50

SECTION – 3 : BISWA UMBRELLA ORGANISATIONS

BISWA Network 52
BISWA Research and Innovation Centre 53

SECTION – 4 : ACHIEVEMENTS IN 2007-08

Application of ICT 56
BISWA in other States 57

SECTION – 5 : EVENTS, VISITORS & PARTNERS

Event full year 2007-08 60
Important Visitors 68
Our Partners in Development 72
BISWA Human Resource 73
Single Window Services 74

SECTION – 6 : AUDIT REPORT & FINANCIAL STATEMENTS

Auditors’ Report 77
Balance Sheet 78
Income and Expenditure Account 79
Receipt & Payment Account 80
 Upgrading traditional skill

Restoring water for harvesting

Branding SHG products for providing market support

 1
Section

About us
 BISWA GOVERNING BODY

Sri Khirod Chandra Malick, Chairman-BISWA , born in 1956 has served the State Bank
of India for 26 years and retired as a Senior Executive. He has a Master’s Degree in
Economics from Ravenshaw College and has a Bachelor’s degree in Law besides a Master
Degree in Business Administration. He is also a Certified Financial Analyst and is a Certified
Associate of Indian Institute of Bankers.
Mr. Malick is an eminent social worker and a professional banker, who has founded the
Bharat Integrated Social Welfare Agency (BISWA) in the State of Orissa. As Chairman of
BISWA, he is fully committed to the socio-economic development of the State, through an
integrated approach.
He is actively involved in social work as member of different social network organizations at district / state /
national level. Micro-Finance, Micro-Enterprise, Livelihood Interventions, Health, Natural Resource Management
and Capacity Building are an integral part of his professional forte.
Mr. Malick has honed his soft skills over the years, through regular interaction with individuals, communities,
government authorities, donors and mass media, meeting the challenges of today’s highly specialized networking.
With a decade of rural development exposure and 26 years of banking sector experience, Mr. Malick has been
able to sharpen his cognitive skills. His significant contributions have been recognized and appreciated by various
organizations of national and international repute.

Sri Pahelu Dip, President, is Sri Niranjan Tripathy , Vice-president,

associated with BISWA since 1994,
has served the Government of India
and after retirement, he has devoted
his time for upliftment of the
downtrodden women living in the slum
areas of Sambalpur. He became the
President of BISWA in 1995.
an eminent lawyer of Sambalpur
district and is known for his deep
insight into legal matters. He joined
BISWA as a member of the Executive
Body in the year 1997 and became the
Vice President in the year 1999.

Mrs Jagadamba Rao, Vice-president , Sri Pitabasa Sethi, Secretary, is

former member of the State Social
Welfare Board is an eminet social
worker of Sambalpur. She has joined
BISWA as the Vice President since
1997. Her specialization in women
rights has benefitted BISWA as well as
the community at large.
associated with BISWA for last decade.
He was inducted into the Governing
Body in the year 1999.
His clear understanding of banking
norms, and ability to effective laisioning
is an asset for the organisation.
 Sri Sunil Kumar Panda,
Asst. Secretary, is a Chartered
Accountant and a visionary financial
manager. His timely and vaulable
guidance has enabled the organisation
to tide off its troublesome situation in
the initial years.
Ch. Bijayabati, Treasurer , associated
herself with the organisation in the
year 1999 and in the same year was
inducted into the Governing Body. She
was elected as the Treasurer.

Ms. Sunita Padhi was exposed to the
development sector since late nineties.
Hailing from a backward district of
Orissa; Keonjhar. She joined BISWA as
a staff member but her understanding
of BISWA vision and mission paved her
way to the Governing Body.
Mrs. Phula Sibil, Member , Her
experience in understanding her own
community and effectively link them to
with the developmental activities of
the organization has placed her this
coveted post as a member of the
Governing Body.

Ms. Rajasini Sibil , Member ,Though
young, but found very matured in her
participation in the Governing Body to
provide proper direction to the
organisation in its community upliftment
programmes focussing the youth and
the adolescent.
Mrs. Rahil Sibil ,Member , is a social
activist from tribal community. Her
vision to uplift the downtrodden and
taboo infested tribal folk has ushered
the the organization to become
popular among her community.

BISWA POLICY & PROGRAMME ADVISORY COUNCIL

Dr. Bhagabanprakash, Chairman

Dr. Devi Prasanna Pattnaik
Sri Bibek Pattnaik
Dr. Diptibala Pattnaik
Sri. Maguni Jena
Sri. Raghunath Mishra
Sri. Pravakar Rout
Sri. Jogendra Mittal
Dr. Bhagbanprakash Prof. S. P. Dash
Sri. N. N. Sharma
Sri. Joy George
Sri. Prafulla Kumar Dhal
Sri. Khirod Chandra Malick, Convener
BISWA SENIOR TEAM

Bibhu Prasad Mohanty Jharana Mishra

Director (Operation) Manger - Research, Documentation & Consultancy

Ajoy Shroff
Prafulla Kumar Dhal Manger - Documentation
Director (Chief Executive - BISWA Research & Innovation Centre)
Sambit Satpathy
Manager Insurance
Sisir Sahoo
Director (Chief Executive - BISWA Network) Mamata Sahu
Manager - Micro Finance

Duryodhan Mallick Sunita Padhi

Deputy General Manager Manager - Project

Prasant Kumar Sahu Jayanta Swain

Assistant General Manager Manager - Planning

Debabrata Malick Arun Dash

Chief Manager - Information Technology Manager - Programme

Jaychandara Mishra Lingaraj Dash

Chief Manager - Audit / Accounts Manager - Water & Sanitation

Dharmendra Padhi Bhawani Shankar Mishra

Chief Manager - Micro Finance Manager - Health

Rakesh Dash Ninu Nair

Chief Manager - Risk Management Manager - Natural Resource Management

Arjun Rout Dhananjay Tripathy

Chief Manager - State Chattisgarh Manager - JBIC Team leader

Prabhasini Pradhan Shiva Prasad Meher

Chief Manager - Office Administration Manager - Public Relations

Bishnu Sethi Jiberdhan Kheti

Chief Manager - East Zone Manager - Training
Mamata Padhi Amarendra Raiguru
Manager - Administration (East Zone) Manager - Advisory Board
Kavita Padhi Sanjay Mishra
Manager - Administration Manager - Product
Mandar Dhar Nayak Sanjib Purohit
Manager - Internal Audit Manager - West Zone
Santanu Dash Subal Sahu
Manager - Human Resource Manager - Administration (West Zone)
Suprit Nayak Mrutyunjaya Rajendra Patra
Manager - Finance Manager - South Zone
Bhawani Shankar Panda K. Gouri Shankar Rao
Manager - Audit Manager - Administration (South Zone)
Chairman’s Reflection…
L aunched in 1994, BISWA is looking with pride its 14
years of eventful past. In these years we have been able
to carve a niche in the circle of civil society organizations.
Initially when we formed the first self help group of women,
we have not the faintest idea of where it may lead us to, as
more than a quarter of a lakh of the present strength of women
self help groups has given us a mighty recognition in the
social development sector. Our integrated approach has now
emerged as one of the successful means to holistic social
development by bringing convergence of Micro Finance,
Micro Enterprise, Micro Insurance, Micro Marketing. Our
development programmes now address poverty eradication,
livelihood promotion, basic health services, water and
sanitation, education, social marketing, natural resources
management, Corporate Social Responsibility and gender
equity. We are able to address the most frightening
unemployment issue in our society by mobilizing human
resources to its utmost level within our capacity. As a result
of it, BISWA is now being considered as one of the sought
after avenue for employment opportunity. Inspired by the
small successes, we are now in a position to fix our own
target of creating one million employment avenues by March
31st, 2011. We are treading firmly to achieve this goal as our
own MDG. Moreover resource mobilization and optimum
utilization thereof, is our core strength. Consequently, we
have been able to attract international donors and investors
and other likeminded organizations. This has enabled us to
develop high quality human resources, infrastructure,
technology and software for successful use and
implementation to achieve our goal. As a pro-developmental
organization, we are able to promote public-private-
partnership envisaged by Govt. Hatibari Health Home could
be an illustrious example in this context, wherein
socialization and rehabilitation of people with disabilities and
deformities on account of leprosy, being successfully
implemented.
We have always believed in innovation and renovation. Our
innovative approach to address the long felt large gap in the
field of primary educations is reflected in BISWA innovative
schools functioning in many remote villages. Similarly our
look out for renovation lead us to safeguard, improve and
utilize existing traditional approaches of water conservation,
brass & bell metal, folklore & music, weaving, terracotta
and bamboo craft. These programmes led to participation of
rural women folk in large number. Incidentally last year the
Nobel peace prize has been conferred to a great personality
Prof. Md. Yunus, of Grameen Bank fame, whose ethos, values
and approaches converge with that of ours. It has really
encouraged us to believe that the world peace cannot be
achieved without meaningful participation of progressive
minded people in the affairs of un-served and under
privileged rural population. It ultimately establishes that
 BISWA Bharat Integrated Social Welfare Agency
the Gandhian thought of peace and nonviolence is decreed
and inevitable. We are concerned and relentlessly working
towards fulfilling the goal targeted under Millennium
Development Goal (MDG) of United Nations. We have a
target of providing sanitation support to 200,000 poor and
marginalized families to own household toilets with water
facilities.
The actual design behind all these exercises is to promote
effective and efficient self governance by the people. BISWA
Federations of SHGs, in fact are functioning as Mutual
Benefit Trusts, and could be cited as ideal examples in this
context. In these years we have learnt from our own mistakes
and inspired by our bit of success and innovations. But the
quest for learning will remain with us forever. Meanwhile
we could reach out to 14 states and covering all districts of
Orissa and Chhatisgarh. And the process is still going on.
We started as a district level organization at the outset and
at present identified ourselves at the national level. The next
goal is obviously to reach out to other parts of the globe.
This could not have been possible without the continuous
support of Governing Body members, Advisory Board
Members, our colleagues, members of communities with
whom we are working, donors, investors, bankers and
financial institutions, altruist individuals and all the
10
annual report 2007-08
stakeholders at the grassroots level, who have reposed their
confidence on us. We are thankful to different Ministry and
departments of both State and Central Govt., people’s
representatives and PRI members for their continuous
support, guidance and cooperative attitude towards us. We
are very much grateful to both print and electronic media
for their continuous coverage of our activities and
achievements.
We are expressing our gratitude to ‘Resource Alliance’ and
‘Nand and Jeet Khemka Foundation’ for conferring us India
NGO Award 2007 for the East Zone in Large Category. We
are thankful to PlaNET finance and ING Vysya Bank for
conferring us Micro Insurance Award 2006-07 as Best Shine
in the Micro-insurance Sector. We are thankful to all our
compassionate donors those who supported and recognized
our ideas, initiatives and contributions.
I must thank the team of editors and development
professionals, and all those who contributed in preparing
this important document of BISWA. I sincerely thank their
collective team effort and wish them great satisfaction in
their work. Hope, users and readers of this report would now
understand us and our work better. We also need their
support to grow and expand our area of work.
[ Khirod Chandra Malick ]
About BISWA

Genesis Coverage of BISWA

As a banker fifteen years ago, Mr. Khirod Chandra Malick, founder Orissa
Chairman, Bharat Integrated Social Welfare Agency (BISWA), while
Angul Ganjam Malkangiri
working in western part of Orissa, realised and then visualized the Bolangir Jagatsinghpur Mayurbhanj
debilitating impact of real poverty in the vision. In fact, this was the Balesore Jajpur Nabarangpur
turning point in his life which generated an inner urge to start a Bargarh Jharsuguda Nayagarh
philanthropic organization with a group of like-minded people. Thus Boudh Kalahandi Nuapada
BISWA was born with a very well-defined Vision and Mission. It is Bhadrak Kandhamala Puri
now fully committed towards the sustainable development of the Cuttack Kendrapara Rayagada
people with special emphasis on women. During this period, the Deogarh Keonjhar Sambalpur
Organisation has expanded to other states thereby acquiring the Dhenkanal Khurda Sonepur
status of a prominent national level NGO. It has promoted 238 Gajapati Koraput Sundargarh
independent BISWA Federations known as MBTs (Mutual Benefit Chhattisgarh
Trusts). At present it has decided and planned to create one million Bastar Janjgir Champa Koriya
employment opportunities by March 2011 and to bring down poverty Bilaspur Jashipur Mahasamund
levels to twenty per cent by that time. Dantewada Kanker Raigarh
Dhantari Kawaedha Raipur
Vision Just and equitable society with emphasis on Durg Korba Rajnadgaon
Statement sustainable development, peace and harmony,
compassion, empathy and spirituality. Bihar
Gopalgunj Gaya
Mission To make a real and lasting social, economic,
West Bengal
Statement psychological and spiritual impact on individuals,
help build strong cohesive communities and South 24 Parganas Midanpur
generate substantial productive employment Kuchbehar North 24 Parganas
opportunity by increasing availability of a wider Kolkata metro
range of services. Jharkhand
Bokaro Lathehar
Location At: Danipali Ranchi 11
Post: Budharaja, Sambalpur
Uttranchal
District: Sambalpur,
Orissa, INDIA 768004 Lalkuan
Uttar Pradesh
Telephone 91-663-2533597 annual report 2007-08
Agra Varanasi
098610-16663 (Cell phone) Lucknow Gorakhpur
Tele-fax 91-663-2402115 Madhya Pradesh
e-Mail b_wa@redfiffmail.com Moorena
kc_malick@yahoo.com
Nagaland
Website www.biswa.org Kohima Mokochung
Contact Khirod Chandra Malick, Chairman Dimapur Tuensang

Registrations Act 2I of 1860 Registration of Societies Rajasthan

Number: 4824-22 of 1995-96 Dhalpur
Date: 15th July 1995
Delhi
Act Foreign Contributions (Regulations)
Number: 105060053 NCT Territory
 BISWA Bharat Integrated Social Welfare Agency
Major Stakeholders and Intervention
Bharat Integrated Social Welfare Agency (BISWA) has been
working in the community and social development sector for the
last fourteen years. 96.4 per cent of people working with BISWA
sponsored programmes and activities are women. The major
activities of the organization run following a convergence approach
by linking the activities related to Social Development, micro
Finance, Micro Enterprise, Micro Insurance and Micro Marketing.
The main focus is on women empowerment, creating alternative
livelihood opportunities, enhancing educational status, protecting
environment, conservation of bio-diversity, micro financing,
development of micro and rural entrepreneurship, promoting for
social security, elimination of child labour, beggar rehabilitation etc
for a holistic development of the poor and backward section of the
society. In the pages that follow, these have been presented in
greater details.
Recognition and Awards
India NGO Award for BISWA
Recognition, applause and appreciation came to BISWA for its
decade and a half long effort in the area of poverty alleviation.
BISWA is the INDIA NGO Regional Awardee for East Zone in the
Large Category for the year 2007. BISWA’s module of Micro
Finance inclusive of Micro savings and credit, Micro Enterprise,
Micro Insurance and Social Development and an integrated
sustainability trait of a Self Help Federation, have finally received
its due acclaim. The award ceremony was held at The Sheraton
Hotel, New Delhi on 5th March 2008. Mr. P. Chidambaram, Union
Minister for Finance and Mr. N. R. Narayana Murthy, CEO- Infosys
Inc. Ltd. were the Chief Guests for the occasion who gave the
12 Awards to the NGO representatives.
India NGO Awards are constituted by the Nand and Jeet Khemka
Foundation and Resource Alliance to celebrate success and reward
excellence in Development sector. 2008, the second year of India
annual report 2007-08
NGO Awards received an overwhelming 131 entries from across
India for the prestigious Awards. The selection procedure at three
stages included a personalized field based evaluation.
It is needless to assert that encouragement in shape of recognition
is an essential ingredient for growth of any organization. This void
for recognition is thus filled by larger organization, foundation or
trust. BISWA has earned such recognition from Nand and Jeet
Khemka Foundation and was given India NGO Award, 2007 in the
large NGO category, which is very encouraging of course. It is not
the maiden award for BISWA, as it has earned many national and
international awards earlier. But this one seems very prestigious
for the organization as it included recognition from Government of
India. The Finance Minister of India has handed over this award to
BISWA in a ceremonial function at New Delhi.
Major Awards
l India NGO Award 2007 Conferred to BISWA for the East Zone
in Large Category by Nand and Jeet Khemka Foundation.
l Micro Insurance Award 2006-07 (Conferred to BISWA by
PlaNET finance and ING Vysya Bank jointly) As Best Shine in
the Micro-insurance Sector 2006-07.
l Memento (In recognition of contribution of BISWA in
governance sector by Indian society for Training &
Development Sambalpur Chapter).
l Memento (In recognition of contribution of BISWA in
microfinance section By SIDBI, CARE & Mission Shakti jointly).
l Memento for contribution of Mr. K. C. Malick, Chairman, BISWA
in Human Rights by Forum for Fact Finding Documentation
and Advocacy (An eminent Oriya Weekly).
l Certificate of Appreciation for contribution of Mr. K. C. Malick,
Chairman, BISWA in social service by Sambalashree (An
eminent Oriya weekly).
l Memento for contribution of Mr. K. C. Malick, Chairman, BISWA
in Human Rights by Forum for Fact Finding Documentation
and Advocacy (An eminent Oriya Weekly).
l Certificate of Appreciation for contribution of Mr. K. C. Malick,
Chairman, BISWA in social service by Bharat Drashan (An
eminent Oriya Daily).
l BISWA - The winner of Best Organization Award for
contribution in Health, Nutrition and population.
l Micro Finance process Excellence Award 2006 (Conferred to
BISWA by PlaNet finance and ABN Amro Bank jointly).
l Micro Finance process Excellence Award 2005 (Conferred to
BISWA by PlaNet finance and ABN Amro Bank jointly).
l Micro Enterprise Award 2004-05 (Conferred to Reena
Mahanad, a member of BISWA SHG Stationpada Group).
l Certificate of Participation Conferred to Sri K. C. Malick,
Chairman, BISWA for participation in Micro-Finance
Convention 2004 by CARE India.
l Memento (In recognition of effective participation in the Credit
And Savings for Household Enterprise (CASHE) Project of
CARE India 1999-2006.p
 2
Section

13

annual report 2007-08

About our
Flagship Programme
 BISWA Bharat Integrated Social Welfare Agency
Livelihood Promotion & Social Security
Micro-finance
Micro-finance is a financial innovation that has emerged through
many experiments with poverty-alleviation programmes carried out
in different developing countries across the globe. It has
successfully enabled impoverished people to engage in self-
employment projects that allow them to generate an income and,
in many cases, to build wealth and exit poverty. 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.
Bharat Integrated Social Welfare Agency (BISWA), a non-
government organization and microfinance institution (NGO-MFI),
is registered as a society and is one of the largest NGOs operating
in Orissa.
BISWA started its operations in 1994, focusing on integrated
development services to the rural poor of Sambalpur district in
Orissa. Since inception, the NGO-MFI has undertaken various
developmental programmes. BISWA receives grants on a
continuous basis from the state and central governments, and from
multilateral agencies for its developmental projects. Moreover, the
NGO-MFI also has various training cum production centers called
micro enterprise units for SHGs.
Two years after its birth, in 1996, BISWA started forming SHGs,
for which, it mobilized grants initially 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
14 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.
annual report 2007-08
SHGs meeting for credit linkage
BISWA aims to make available financial services to women from
the lower income group at the lowest possible cost at their doorsteps
and revive the root of banking besides making a lasting social &
financial impact on individuals. It is also working towards generating
substantial job opportunities and economic benefits for the society
at large.
BISWA has been working to increase the availability of wider range
of financial services for poor people and their use of those services
through the process of expansion as well as consolidation of the
micro-finance programme and creation/facilitation of a sustainable
community-based micro-Finance institution within the year 2011.
BISWA’s Micro-finance Strategy
l Create a fair and level playing field for every micro-
entrepreneur so that they do not need to be permanently
dependent just because they do not qualify for the mainstream
finance.
l Revive the root of banking, so that credit is once again based
on trust and relationship and a person’s wealth or poverty has
no bearing on his/her creditworthiness.
l Make a real and lasting psychological, social & financial impact
on individuals; help build strong, cohesive communities; and
generate substantial job opportunities and economic benefit
for society as a whole.
l Make available financial services at lowest possible cost at
the door step of the customers.
SHGs meeting for thrift activities
An overview of BISWA Micro-finance Sector

1st April 2007 31st March 2008

No. of states covered 09 11
No of districts covered 61 71
Total number of Self Help Groups 22,768 28,982
Total Members  364,325 464,160
Total Federations formed 164 233
Total saving mobilized (in million Rs.) 135.73 195.91
Number of loans disbursed 20,912 25,050
Amount of loan disbursed (in million Rs.) 1,751.77 3,455.09
Average loan size (per SHG in Rs.) 87,769 1,37,928
Loanee Members 261,482 337,928
Number of Loan Outstanding 15,170 17,959
Total outstanding (in million Rs.) 942.19 1,180.41
Rate of repayment (cumulative) 99 %  99 %   
Portfolio at Risk  0.30% 1.01 %
Sector wise distribution (%)
Agriculture 62 78
Small Business 27 14
Consumption 11 84
Total number of NGOs supported 33 48

Sectorwise distribution of mF investment growth by BISWA 15

from 2006-07 to 2007-08

annual report 2007-08

 BISWA Bharat Integrated Social Welfare Agency
As of March 2008, BISWA had presence in eleven states in India.
Its operational geographies cover all the 30 districts of Orissa and
16 districts of Chhattisgarh and in 19 other districts of nine other
states. BISWA operates in a number of districts and states through
partner NGOs and Mutual Benefit Trusts (MBTs). During 2006-08,
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 since June 2006.
BISWA lends to SHGs, NGOs and MBTs. MBTs are federations 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 percent per annum (on a declining balance
basis), and to MBTs and NGO partners of BISWA at 15 per cent
per annum on a declining basis.
These MBTs and NGOs lend to SHGs at the same rate of 20 percent
on a declining balance. BISWA had promoted 233 MBTs and
provided credit support to 62 MBTs. It has a partnership with 192
NGOs across six states – Orissa, Chattisgarh, West Bengal,
Jharkhand, Bihar and Uttar Pradesh. As on March 2008, it had
outstanding loans of Rs. 85.97 million towards its NGO partners.
As on March 2008, BISWA had 28,982 SHGs on its rolls (including
federated SHGs), with a loan outstanding of Rs. 1180.41 million
from 246,430 borrowers.
Out of Rs.1180.41 million outstanding as on 31 March 2008, 81.45
per cent was towards the SHG segment, 9.12 per cent towards
16 the partner NGO segment, and the remaining 9.43 per cent towards
the MBT segment.
Towards Greater Delegation and Autonomy
annual report 2007-08
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
(SHF). 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 (MBT) under the
Indian Trusts Act. By the end of March 2008, 233 such Federations
were formed having 2829 SHGs as constituent with 34,064
members.  Features include:
l It is a client-owned, client managed and client controlled
institution with authorized legal status
l It is a bigger platform to address social and other common
developmental 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 mind set
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 on a common platform
Ratings: 1. By M-CRIL as ß+
2. By CRISIL as mFR3
3. By Mix Market *****
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 (Self Help Promoting
Institute) 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 next 5 years.
Gradually, steps were taken for the new entity and consultancy
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
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 (MBTs)
l Lend money to network NGO-MFIs involved in micro finance
activities.
There is a target fixed, 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
Growth in terms of numbers of SHGs/ members over last 5 years
year 2010 while the portfolio of BISWA NBFC will increase. By the
year 2015, BISWA will have a portfolio of around Rs.5 crores only
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.
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, saves 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
17
annual report 2007-08
 BISWA Bharat Integrated Social Welfare Agency

A glimpse of BISWA’s Micro Finance Programme as of 31st March 2008

Delivery Channels Self Help Groups  (SHGs)
Self Help Federations  (SHFs)
Self Help Promoting Institutes (SHPIs)
No. of SHGs Total SHGs: 28,982
Total members: 464,160
Total SHGs credit linked: 25,050
Total members credit linked: 337,928
Total SHGs having outstanding: 17,959
Total members having outstanding: 246,430
No. of SHFs Total SHFs: 233
Total SHFs credit linked: 54
No. of SHPIs Total SHPIs credit linked: 84
Total SHPIs having outstanding: 84
Extension of credit Total credit extended during the year: 3455.09 mn.
Total outstanding end of FY: 1180.41 mn.
Some key ratios Operational Self Sufficiency: 212%
Debt Equity Ratio 11.25
Return on Performing Assets: 68%
Yield on Portfolio: 56%
Cost per Unit Money Lent: 0.01p.
Average portfolio per credit officer: 4,015,008
Average loan size: 137,928
Portfolio at Risk 1.01%
Insurance Coverage Life Insurance: 173,610
Health Insurance: 1,77,047
Assets Insurance: 77,328
Health Insurance (Oriental) 2728

Financing Institutions Linked and Liverage Status as on 31st March 2008

Sl. Name of the Institutions Outstanding
No. as on 31st March 2008

1 Rashtriya Mahila Kosh 8,200,000.00

2 ABN AMRO Bank 23,110,000.00
18 3 SIDBI 5,625,000.00
4 NMDFC 84,375.00
5 HDFC Bank Ltd. 19,276,213.28
6 Axis Bank Ltd. 72,690,469.62
annual report 2007-08

7 Bank of India 92,096,474.50

8 CITI Bank 6,375,000.00
9 ICICI Bank Ltd. (TL) 135,416,666.67
10 Bank of Baroda 28,444,000.00
11 CARE Inc. 8,865,421.00
12 Development Credit Bank Ltd. 50,000,000.00
13 INDUS IND Bank 235,100,000.00
14 Manaveeya Holdings and Investment Pvt. Ltd. 100,000,000.00
TOTAL 785,283,620.07
01 ICICI Bank Ltd. (Partnership) 199,188,495.33
GRAND TOTAL 984,472,115.40
Micro-insurance

This is a relatively new initiative, BISWA has been promoting as a
social security, financial inclusion and preventive measure. 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 and 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. As one of its development
interventions and as a social security measure, BISWA cover its
clients in three major micro-insurance schemes.
For LIFE with Janashree Bima Yojana of LIC and Sampoorna
Bima Yojana with TATA-AIG
For HEALTH with ICICI Lombard and Oriental Health Insurance
For ASSETS with Oriental Insurance Company

An overview of BISWA Micro-insurance Sector (as on 31.03.2008)

Particulars JBY (LIC) Tata AIG ICICI Lombard Oriental Oriental
life Life Health Health Assets
Members Covered 73,610 13,699 1,77,047 2728 77,328
Claims Settled       87 2 339 1 28
Claims Settlement Amount Rs.21,90,000 Rs.20,000 Rs.19,67,133 Rs.2,067 Rs.10,27,757
Scolarship Received Under Janashree Bima Yojana (JBY) of LIC 455 students are been awarded scholarship of
Rs. 2, 40, 500/-(two lakh forty thousand five hundred only).

BISWA’s continuous pursuance for social security 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.
BISWA in collaboration with TATA AIG Life has launched a scheme
entitled as WORSHIP (Western Orissa Social Household Insurance
Programme). Primarily, it was launched in 4 Districts of Orissa
namely Sambalpur, Bargarh, Jharsuguda and Deogarh and at the
later stage it has extended its sphere to 22 more districts in
September 2007. During launching of WORSHIP-II on behalf of
BISWA the Chairman handed over 954 policies and Demand Drafts
amounting to Rs.3, 55,292/- towards premium to Mr. Trevor Bull,
MD of TATA AIG.
Bima Village: It is another milestone of BISWA in our pursuit to
provide Insurance at the doorstep. 4 villages have been declared
as Bima Villages in this endeavor. It implies that every household
of the 4 villages has been covered with a Life Insurance Policy.
The names of the villages are:  Matikhai, Kankudipali and Balaranga
of Sambalpur District and Rangamatia of Bargarh District.
Health Insurance: BISWA, in collaboration with Oriental Insurance
Company Limited has launched health insurance Scheme in
October 2007. The premium is Rs.325/- per annum and coverage
is Rs. 15,000/ for a maximum of 4 persons (member & 3 specified
nominees). Besides, there is provision of Rs.300/- maximum per
year as transportation allowance and a maximum of Rs.800/- per
year as subsistence allowance for the insured member in case of
hospitalization only. Since beginning, leaflets have been prepared
19
in Oriya and widely circulated among the members for better
awareness and proper data collection.
Claim Settlement: In the year 2007-08, priority was given to
annual report 2007-08
settlement of claims in all Insurance Schemes. The result was quite
encouraging.  In case of LIC; it has increased from 24 to 87, 2 to
28 in case of Assets and from 68 to 271 in ICICI Lombard Health.

BISWA Micro-insurance at a glance in 2007-08

Particulars JBY(LIC) Tata AIG ICICI Lombard Oriental Oriental
life Life Health Health Assets
Members Covered 19,112 13,699 407 2728 29942
Claims Settled 46 2 271 1 26
Claims Settlement Amount Rs. 13,40,000 Rs. 20,000 Rs. 17,10,851 Rs. 2,067 Rs. 5,26,523
Scolarship Received Under Janashree Bima Yojana (JBY) of LIC 37 students are been awarded scholarship of
Rs. 24, 900/-(twenty one thousand six hundred).
 BISWA Bharat Integrated Social Welfare Agency
Micro-enterprises
Introduction
Poverty amidst plenty in the world is the biggest challenge. At the
start of the new century, poverty remains a global problem of huge
proportion. Out off the World’s 6 billion people 2-8 billion live a
less than 1 US$ a day. Future geographic change will add to the
challenge of poverty. In the next 25 years, roughly 2 billion people
will be added to the world’s population, most of them live in
developing countries. Orissa is a state of great deposits of minerals
and rich biodiversity materials. Mineral and rich biodiversity are
the basic stock materials for prosperity of any state. Unfortunately
Orissa could not be benefited from those. Thus coexistence of
poverty and base materials for human prosperity is very much
paradoxical in this state. Operational areas of BISWA in other states
are mostly experiencing similar conditions.
Poverty is often related to inadequate income and lack of livelihood
and employment. A distinction between poverty alleviation and
reduction therefore becomes pertinent. Poverty alleviation is a
short-term improvement of the Poor’s capital endowment. Poverty
reduction is a long-term elimination of the Poor’s dependency on
social relations and of vulnerability with respect to changes in their
environment. Poverty alleviation covers providing material
possessions and opportunities to obtain income to meet basic
needs. It also implies sustainable alleviation of poverty through
creating gainful youth employment and livelihood. Micro finance
is a potent tool not only for poverty alleviation but also because of
its role in poverty reduction micro finance implies providing the
poor especially women with savings and credit facilities to set up
or expand businesses, invest in self-employment activities and
increase household security. Microfinance enables the poor to
save, improve their confidence and livelihood conditions.
20 Consumption credit lead to reduced dependence on moneylenders,
increased food security and enhanced access to health, education
and information. Production credit enables the entrepreneurial
poor to undertake income generation activities especially among
annual report 2007-08
Enterprise on leaf plate making
the youth. Income generation and livelihood practices enable youth
and women to have access to income, enhanced decision making
on health, education and consumption among others.
While micro-enterprise provides access to credit, it goes to the
larger part, to support these three types of micro-enterprises:
a. Home-based producers : they make or produce products, such
as candle making, handloom products, soap making,
handicraft items, textiles etc.
b. Petty traders: - They are basically small, seasonal venders,
who sell vegetables, fruits etc.
c. Providers of service and labours : these are especially youth,
who may be engaged in activities such as cleaning, local
laundry, catering etc.
Approach
Business opportunities are not created by external intervention—
they arise from markets and entrepreneurial capabilities. The issue
is to enable rural women into successful entrepreneurs and to take
advantage of market opportunities. Micro- enterprises (ME) are
affordable and manageable by rural women. This creates a large
number of non-farm employments and income opportunities in
relatively poorly developed areas like Sambalpur these require
small capital and little sophisticated managerial and technical skills.
Micro enterprises are also the seedbeds for a broad development
of the private sector throughout the country, forming the foundation
for the national economy and social development at the grassroots.
Individual entrepreneurs are a driving force for competitive MEs
as a growth base. However, the policy and institutional framework
needs to be conducive to encouraging entrepreneurial initiatives.
Human capabilities and the right institutional framework are the
necessary conditions for entrepreneurship to flourish, particularly
in rural areas.
Enterprise on cotton spinning
BISWA’s “Triple-A” Approach for ME Development
Analysis
Identification of the trainees
ç
Assessment
Assessment of present skill and motivation of the trainees
ç
Action
Providing skill training in different trades
l Techno – skill up gradation of Self Help Group members
l Encouraging procurement of marketable products
l Networking among Federations (Comprised of SHGs) in order
to cater the market demand
l Common brand building of the products
l Encouraging after sales service
Programme Principles
Strategic focus: The focus is poverty reduction through micro
enterprise establishment
Women – centered: The approach had been women-centered
and therefore starts with the characterization of the target groups
i.e. women. The factors impeding their inclusion into economic
mainstream and growth activities were analyzed with participatory
approaches to identify the entry points of the techno – skill
assistance.
Gender sensitive: The programme was gender focused; at each
step of the project, importance had been given to understand the
causes of gender inequalities and possible discriminatory effects.
Over all the project focuses to make the targeted women as
successful entrepreneurs and to shorten the gender gaps in the
targeted area.
Locally specific: The project focuses to enhance existing
methodologies, skills, technologies that were adoptive to local
conditions and complexities. Moreover the focus had been to exploit
existing natural resources in sustainable manner.
Asset-based: Rather than pursuing a needs-based approach, this
programme aims to build on existing assets, abilities and initiatives
of the women and aimed to strengthen them.
Participation: The programme was focused in encouraging women
to participate in the programme from initial stage. From identification
Business Development Service
l Financial Linkage for establishment of enterprise and
further growth.
l Facilitating, strengthening and provide support services
for augmenting the entrepreneurship development.
ç l Provide effective monitoring services for the development
of the enterprise cluster.
l Provide a platform for dissemination of information and
mutual learning with the overall objective of holistic
development of the cluster
l Research and innovation for the enterprise growth.
to implementation every participants was encouraged to put their
view for effectiveness of the programme.
Sensitization meetings were conducted in the targeted SHGs and
federations to discuss the trades, identification and assessment
of present skill level, level of skill input needed to the trainees.
More over trainees were identified in different trades and profiles
of the trainees were systematically prepared.
The processes followed are
l Orientation to field staff about product based Micro – enterprise
l Sensitization meeting with federation and Self Help Groups
l Assessing of the existing skills
l Profile making of the trainees are supported by NABARD,
MISSERIOR, ABN-AMRO, Directorate of Handicrafts &
Cottage Industries, Government of Orissa.
Thus in Sambalpur district of Orissa 10 Federations of around 300
SHGs with about 4500 women members were covered in the 21
process. A committee of 6 members for smooth implementation of
the programme and process is functional where it was formed
comprising of 2 members representing BISWA, 2 from the annual report 2007-08
Federation and 2 from local CBOs.
Major trades and outcomes under Micro-enterprises
Development
33 trades are identified as per the availability of local resources
and BISWA could build up the capacity of 1742 SHG members
comprising of more than 30000 women and artisans. It has created
job for more than 75000 people. Under 3A approaches of capacity
building in microenterprises, there have been efforts to facilitate
financial support in form of grant and credit from Govt. agencies,
banks and microfinance support from BISWA to the stakeholders
in SHGs.
 BISWA Bharat Integrated Social Welfare Agency

Major trades supported with capacity building approaches in 30 districts of Orissa

Sl.  Trade No. of SHGs Sl.  Trade No. of SHGs

No trained and involve No trained and involve
in the trade in the trade

1. Vegetable Cultivation 195 18. Paper Plate 10

2. Vegetable Vending 85 19. Tailoring 12
3. Betel Cultivation 5 20. Soft Toy 10
4. Goatery 140 21. Agarbatti 25
5. Dairy 50 22. Sisal 30
6. Poultry 15 23. Soap 15
7. NTFP 75 24. Phenyl 30
8. Forestry 15 25. Candle 10
9. Stonework 30 26. Sabai rope 10
10. Dhokra 15 27. Coir 180
11. Brass/Bell 20 28. Small Business Processing 15
12. Bamboo 35 29. Badi/Papad 60
13. Jewellery 5 30. Vermicelli 20
14. General 90 31. Spices 70
15. Weaving 255 32. Dry Fish 30
16. Tie / Dye 20 33. Puffed Rice 10
17. Leaf Plate 155

Strategy adopted for enterprise growth 5. An attitude of being social entrepreneurs.

1. Strong follow up for enterprise establishment
2. Networking among the SHG clusters in operational area.
3. Innovative product to cater the need of rural people.
22 4. Strong leadership quality among the cluster actors.
annual report 2007-08
6. Facilitating physical infrastructure all over the operational area.
7. Access to market information.
8. Facilitating strong presence at every segment of the market
9. Access to ICT (Information Communication Technology).

Enterprise training on fisheries Enterprise training on tailoring

Artisan Cluster Development
BISWA & Artisan Development
Number of studies and researches in the field of artisan clusters in
Small and Micro-enterprises revealed that the artisans 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
capacity building.
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,
Katapali and Balakati (Sambalpur, Bargarh and Khurdha Districts
in Orissa).
Artisan cluster development on bamboo craft
The cluster development programmes implemented by BISWA
covering major productive areas of the state are as follow:
1. Brass and Bell metal cluster at Rengali, Sambalpur
2. Brass and Bell metal cluster at Katapali, Baragarh
3. Bamboo Craft Cluster at Jhankerbahali, Sambalpur
4. Bamboo Craft Cluster at Kudumuluguma, Malkangiri
5. Dhokra Craft Cluster at Boilapari, Malkangiri
6. Dhokra Craft Cluster at Kishorenagar, Angul
7. Handloom cluster at Dhama, Sambalpur
8. Handloom cluster at Matikhai, Sonepur
9. Handloom cluster at Barapali, Baragarh
Intervention Strategy in Cluster Development Programmes
l Market led and need based interventions in Skill Up-gradation
Training, Technology, design and product development
l Developing
l Network among the artisans and other stakeholders for
profitability
l Design Development training with development of new
prototypes
l Develop entrepreneurial and marketing skill of the trained
artisans
l Business Development Service for collective efficiency of the
cluster
l Promotion of joint action and self reliance through SHG and
other mode of cooperation
l Dissemination of best practices from other clusters and
awareness building programmes such as exposure visits,
workshop, seminars etc.
23
annual report 2007-08
Artisan cluster development on brass and bell metal
 BISWA Bharat Integrated Social Welfare Agency
Important Cluster Development Programmes
Thousands of artisans have received skill up-gradation training
with these systematic approach and interventions, which has
helped them to up-grade and diversify their traditional skills. Their
productivity and production level has increased a lot and so as
their level of income. Through the formation of SHG and SHG
federations, the artisans are now able to work in mutual cooperation
and common agenda for development. Backward and forward
List of cluster development programme carried out last 2007-08
Name of the Programme Location
Brass & Bell metal Cluster Rengali
Brass & Bell metal cluster Katapali
Bamboo Craft Cluster Jhankerbahali
Bamboo Craft Cluster Kudumuluguma, Malkangiri
Dhokra Craft Cluster Kishore Nagar, Angul
Dhokra Craft Cluster Boilapari, Malkangiri
Handloom Cluster Dhama, Sambalpur
Handloom Cluster Matikhai Sonepur
Total Families
Further, selected artisans from different clusters have been taken
to different vibrant clusters outside the state to acquire knowledge
regarding best practices in terms of use of modern tools and
machineries, use of raw material and marketing strategies and
emulate the same at their respective clusters.
As a measure of technological intervention modern hand tools and
equipments have been distributed among the artisans and as a
result their productivity and production basket has been increased
24 substantially. All the artisans of these clusters have been covered
under insurance measures for life and health insurances under
schemes of LIC and ICICI-Lombard.
annual report 2007-08
Interventions in Handicraft Sector
Handicrafts constitute an important segment of the organized sector
of our economy. Originally started as a part time activity in rural
areas, it has now transferred into a flourishing business model
due to significant market demand over the years. Handicrafts
segment has greater business potential as the sector sustains not
only the existing millions of artisans spread over the length and
breadth of the country but also a large numbers of new entrants in
the craft activity. Currently handicrafts sector is contributing
substantially to the employment generation and export basket. The
handicrafts sector has been suffering a lot due to various factors
such as very nature of being in the unorganized sector with
linkages has established through linking them to BISWA micro-
finance programme for providing them loan assistance to procure
raw material, small tools and other basic inputs. Substantial efforts
have been taken by BISWA to link these artisan clusters with
potential buyers and market to sale their products. Artisans from
these clusters have been sent to attain exhibitions, marketing
events and sourcing show through out the country for providing
them marketing linkage and exposure.
Number of Families
150 artisans
300 artisans
120 artisans
200 artisans
100 artisans
75 artisans
105 weavers
140 wavers
1190
additional constraints like lack of education, capital, poor exposure
to new technologies, absence of market intelligence and poor
institutional framework.
In order to overcome these constraints, BISWA has taken up various
initiatives with the support from various government and non-
government agencies. The approach/initiative of intervention has
remained need based and integrated development of artisans
through cluster development and ensured participation of the craft
persons at all the stages of implementation with the ultimate
objective of empowering and sustaining them.
Common Facility Centers (CFCs)
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 at Boudh for leaf cup-plate makers. These CFCs are
equipped with modern machineries and tool-kits, such as, lathe
machine, spinning lathe, ball press machine, electric grinder,
electric policy machine etc. The artisans are getting service of these
facilities to improve their productivity and quality. The CFCs have
been beneficial for the artisans to produce finer objects with semi-
mechanized process. Common problems like raw-material, new
designs marketing and finance have been solved.
Skill Development Training to Rural Artisans SHGs
Several Skill up-gradations training for rural artisans and other
members of various self help groups have been conducted by
BISWA. The skill up-gradation measures have been taken to
enhance the existing skill of the rural artisans and also develop
technical skill among the SHG members so as to create additional
income for the trainees and given them a substantial income
throughout the year.
The trainees are also provided with entrepreneurship development
inputs where they learn about developing their own enterprise.
Design and Technical Development Programme details
Name of the Programme
Design & Technical Development Workshop on Brass & Bell metal
Design & Technical Development Workshop on Bamboo Craft
Design & Technical Development Workshop on Bamboo Craft
Design & Technical Development Workshop on Dhokra Craft
Total Families
Training-cum-Production Centers
As of now BISWA has established several training-cum-production
centers in various parts of the State. These are running well with
productions on soap, soft toys, tailoring, badi and papad making,
weaving, candle making, sisal fiber craft, Sambalpuri Sarees, brass
and bell metals, readymade garments, paper plate making, tie and
dye, leaf cup-plate making and bamboo craft.
Brass Initiatives in Cluster Development
BISWA has established training cum production center for the brass
and bell metal artisans at Katapali in Bargarh. There are 280
enterprises in this cluster which provides employment to 1500
people and NABARD has supported to organize 15
Entrepreneurship Development Programmes (EDP) for skill up-
gradation of the artisans. The basic objective of this programme is
to ensure holistic development of the cluster through intervention
in various strategic areas.
Diagnostic study of all 280 enterprises was undertaken to
understand the updated status of the clusters and to figure out the
scope of improvement. The up-dated statuses of the clusters is:
l Diagnostic study revealed that the area of technology up-
gradation 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 in Uttar
Pradesh.
Skill Up-gradation Training Programmes (SUTP) conducted by
BISWA in the year 2007-08 are;
l SUTP on Bamboo Craft at Malatigunderpur, Sambalpur
l SUTP on Dhokra Craft at Basupali, Sambalpur and Saida,
Deogarh
l SUTP on Detergent Making at Budapada, Sambalpur
l SUTP on Sisal Fiber weaving at Tuhilamal, Deagarh
l SUTP on Leaf Plate Making at Baramunda, Sambalpur
l SUTP on Soft toys making at Mahulpali, Sambalpur
Location Number of Families
Covered
Rengali, Sambalpur 30
Jhankerbahali, Sambalpur 30
Kudumuluguma, Malkangiri 30
Boilapari, Malkangiri 30
120
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 25
both the buyers and sellers to understand market need and
requirements.
l A databank of business-development service-providers has annual report 2007-08
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 oversees the progress to ensure that the suggestions
and guidelines are properly followed by these entrepreneurs.
 BISWA Bharat Integrated Social Welfare Agency

Skill Up-gradation Training

Name of the Programme Location Number of Families

Skill up gradation Training on Detergent making Budapada, Sambalpur 20

SUTP on Bamboo Craft Malatigunderpur, Sambalpur 20
SUTP on Dhokra Craft Basupali, Rengali 20
SUTP on Dhokra Craft Saida, Deogarh 20
SUTP on Terracotta Ghodaghatapada, Sonepur 20
SUTP on Brass & Bell metal craft Rengali, Sambalpur 20
REDP on Brass & Bell metal Katapali, Baragarh 40
REDP on Leaf plate making Baramunda, Sambalpur 30
REDP on Sisal Fiber weaving Tuhilamal , Deogarh 30
REDP on Candle Making Burda, Bolangir 20
Vocational Training on Soft Toys Mahulpali, Sambalpur 25
Vocational Training on Garment making Jujumura, Sambalpur 30
Vocational Training on Bamboo Craft Tangerjuri, Sambalpur 40
Micro-enterprise Development Programme on Barkot, Deogarh 30
Leaf Plate making
Total Families 365

Future Course of Action

BISWA has visualized the project with the following activities:
l To conduct workshops covering technology, marketing, export,
ISO 9000, etc.
l To organize buyer-seller meets to strengthen linkages for the
clusters.
l Emphasis on strengthening of local industry associations and
26 promoting of capacity-building activities for cluster actors.
l Documenting best practices to facilitate demonstration for other
pro-active entrepreneurs.
annual report 2007-08
l Technological implementations leading to improvement in
quality and productivity.
l People’s seminars and capacity building approaches 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
has been trying to explore the possibility of direct export
linkages.)

Skill upgradation training on sisal fibre Skill upgradation training on dhokra casting
Micro-marketing
BISWA has been promoting livelihood and micro enterprises
through SHGs. This effort has used the local resources in
systematic manner and produced desired cost effective consumer
products . The products are usually marketed among local
households and nearby SHGs under cross marketing strategy.
BISWA has made a preliminary effort to consolidate the existing
cross marketing system and bring several networks of SHGs basing
on their products and promote those in existing regular markets.
To strengthen this strategy BISWA has been supporting SHGs and
Federations of SHGs through Micro-Finance and provide technical
knowhow and management skill input to the entrepreneurs.
Laxmipriya
The establishments of viable enterprise have demonstrated the
fact that they provide people with alternative livelihoods which help
improve their living standard. In fact developing large scale micro
enterprises both in urban as well as rural areas and linking them
with market forms to be one of the key strategies in poverty
reduction programmes. It not only helps poor to enhance their
livelihood and income but also brings economic and social support
in their struggle for a decent living. In addition, micro entrepreneurs
become less marginalized politically and are better positioned to
take advantage of global markets. They are also more engaged in
emerging social, economic, development and political process.
Having realized the need and relevance of micro enterprises and
their lasting impact on poor Laxmipriya Micro Enterprise (P) Ltd.
has been created for comprehensives promoting micro enterprises
in its operational areas. It is encouraging various individuals group
based economic activities for clients.
Recently the Organization has taken a strategic decision to
accelerate the process and promote micro enterprise in a planned
and sustainable manner. The company Laxmipriya Micro Enterprise
(P) Ltd. has been spearheading micro enterprise promotion, which
is primarily a marketing company (non profit making). It acts as a
Participating in exhibitions
market outlet for several rural products of thousands of SHGs and
entrepreneurs in Orissa.
The noble mission of the enterprise is to harness the potentiality
of rural marketing by making it more inclusive for poor with
sustained benefits for them. In its mission and goal the venture
has aimed at providing demand based business development
services for SHG producers to enhance their household income
and targeted at creating one million successful micro entrepreneurs
through market access by the year 2012. Now this marketing
initiative has invested a sum of Rs.300000/- as the initial step and
linked with all the districts through existing network and
infrastructure of BISWA to achieve its objective.
Efforts of Laxmipriya to achieve the targets
l Improve the competitiveness of micro entrepreneurs in the
local, regional and national/ international markets.
l Gain access to business development services that improves
access to higher value or more competitive markets and
provide employment opportunities.
l Achieve economics of scales through collective actions for
increased productions and marketing.
l Diversify in to higher value products that are linked to export
market.
l Create and build up a network of Producers, Organizations,
Marketing Agencies, Professional Institutions Services
provides including private players to meet the BDS needs of
micro entrepreneurs.
l Laxmipriya, as a marketing outlet facilitates marketing of
products from SHG and micro-enterprise initiated by BISWA .
More than 1000 SHGs are linked to Laxmipriya chain which
sells more than a hundred kinds of items such as tailor-made 27
garments, handicrafts and handloom, brass and bell-metal,
Dhokra, processed food materials, leaf plates/cups etc.
annual report 2007-08
Laxmipriya shop at Ekamra Haat, Bhubaneswar
 BISWA Bharat Integrated Social Welfare Agency
Social Development
Innovative Schools
Stepping out towards Universalization of Elementary Education
(UEE) and aiming at furthering the goal of education, change and
social development, BISWA in association with “Asha for
Education”, a philanthropic trust in USA and with the help of
some friends abroad, launched 20 schools in rural pockets of
Sambalpur and Kalahandi district titled the “Innovative Schools”.
These schools were conceptualised with a vision of lending support,
sponsor study and spread of education in its different facets. This
initiative was taken up from 15th Dec 2002 and till date this has
made a great impact in at different places in Sambalpur and
Kalahandi districts, plagued by teacher absenteeism.
According to the school curriculum of the state these schools impart
elementary education from class one to seven. 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.
In its attempt to prove that the traditional systems are extremely
important even in the so-called world of modern science and
technology BISWA has ascertained that the ecological rationality
remains valid even in the modern context.  School children and
28 the unlettered villagers know their environment well. In fact children
should learn many of the basic facts about environment from the
villagers in their own way.  The students are made aware of their
annual report 2007-08
Schools with innovations
livelihood pattern and its impact on the environment and ways &
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. More than 750 students of
innovative schools in different locations are also supplied with study
materials free of cost. Girl students, who are promoted from these
innovative schools, are distributed cycles, so that they can commute
comfortably for higher study in different schools away from their
villages.
Sustainability of the Innovative School
Mrs. Joysree Mohanti (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 role & 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 by
their own for self sustenance sans any outside support.
Learning while playing
Details of the Innovative Schools

Sambalpur District
Sl. Location of the School Grampanchayat Total Classes Started on
No. Students

1 Jhankarbahali Baduapali 59 I to V 15 December ‘02

2 Rathipada Baduapali 20 I to V 15 December ‘02
3 Tangarjuri Baduapali 31 I to V 15 December ‘02
4 Budapada Baduapali 28 I to V 15 December ‘02
5 Kankudipali Batemura 42 I to V 15 November ‘03
6 Mendalipali Baduapali 45 I to V 15 November ‘03
7 Kundebahal Baduapali 19 I to V 15 November ‘03
8 Bolbanga Dakara 27 I to V 15 November ‘04
9 Antapali Baduapali 30 I to V 15 December ’04
10 Balaranga Batemura 34 I to V 15 December ’04
11 Bausenmura Sahaspur 30 I to V 15 December ’04
12 Jaduluisingh Dakara 30 I to V 15 December ‘04
13 Mahulpali Baduapali 50 I to V 15 December ‘04
14 Matikhai Betamura 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 Babupali Jujumura 26 I to V 25 December ’06
18 Dharakhaman Dakara 40 I to V 17th January ‘07

Kalahandi District
Sl. Location of the School Grampanchayat Total Classes Started on
No. Students

1. Rugudipada Rugudipada 36 I to VI 6 February’06

2. Gahuriapada Takarla 42 I to VII 6 February’06 29

Crèche for infants of un-organised women labour annual report 2007-08

Creche of BISWA served children in Koraput District
BISWA has been taking care of women in poverty as its major
thrust area. Under this objective there has been effort made to
address the problems of women in unorganized sector where there
kids are sent to crèche centre initiated in different parts of Koraput
and Sambalpur districts. Under this activity 12 creche centre in
Sambalpur and 10 in Koraput are very active in rural pockets. This
activity has been supported by Orissa Council for Child Welfare
(OCCW), Central Social Welfare Board(CSWB) and State Social
welfare Board of Orissa (SSWB) for last few years. In Sambalpur
out of total 359 Children it has been serving maximum 39% ST
 BISWA Bharat Integrated Social Welfare Agency

families children. Similarly in Koraput out of total 371 it has been

serving maximum SC children and women labourers. Creche of BISWA served children in Sambalpur District

These 22 creches helped many poor women to be relaxed and

confident of good care for their children while they are in work
field. It ensures food and livelihood security of hundreds of
women.

Water & Sanitation

BISWA has been identified as a Key Resource Centre of Orissa l Every house-hold should be equipped with separate sanitary
State Water and Sanitation Mission for eight districts: Sambalpur, facilities and should have a source of clean and safe drinking
Jharsuguda, Bargarh, Sonepur, Deogarh, Sundargarh, Mayurbhanj water.
and Boudh under the Total Sanitation Campaign (TCS).  It works
l Hygiene promotion in schools will be taken up to create
with government and other partners to create conditions for change-
condition where children themselves are agents of change in
or enabling environments to ensure the effectiveness and
their families, community and living environment.
sustainability of all water and sanitation campaign. 
In the State of Orissa, Information Education and Communication Total Sanitation Campaign Project
(IEC) activities have been taken up in Malkangiri, Sundargarh and
Promoting sanitation is an integral component of BISWA’s
Kendrapada Districts with the financial assistance of Central
social sector strategy. Our approach is based on an integrated
Government and State Government on 50:50 sharing basis.
water resource perspective that ensures- social, economic,
Government of India had requested to select maximum four districts
environmental and technical dimensions those are taken into
for IEC activities which will be funded entirely by them as grant-in-
account in the management and development of water resources.
aid. They have indicated that while selecting these districts, the
Effective water resource management programme can improve
following criteria are being taken into consideration.
water supply for irrigation and households, provide power, mitigate
l Districts having large number of NC habitations. floods, and help manage the complex web of water uses.  They
l Districts having serious water quality problems. can also play an important role in climate change-as a tool to help
30 l Districts prone to diarrheas disease. countries adapt to evolving hydrologic conditions and to reduce
fossil fuel consumption. Following are the major features of this
l Districts having serious problems of availability of fresh water
project.
sources.
l Allocation based Central Rural Sanitation Programme
annual report 2007-08

Accordingly, four districts, namely, Angul, Nuapara, Jagatsinghpur

and Gajapati have been selected for implementation.
BISWA has been working with water and sanitation mission with
following objectives.
l To provide drinking water and sanitation facilities to every rural
house-hold to improve quality of life in our state through
collaboration with Government of Orissa and India and their
development programmes.
l BISWA will ensure that each house-hold in its operational area
will have access to safe drinking water and convenient sanitary
facilities through water and sanitation programme.
(C.R.S.P) has been phased out with effect from 1.4.2002.
Under its phase out programme community led and demand
driven Total Sanitation Campaign (TSC) is active in a few
districts of Orissa . Government of India sanctioned 3 TSC
projects in districts such as Ganjam, Balasore and Sundargarh
during 1999-2000, 2 projects in Khurda and Bhadrak during
2001-02, 3 projects in Cuttack, Jajpur & Nayagarh during 2002-
2003 and 7 projects during 2003-04 in Puri, Kendrapara,
Jagatsingpur, Kandhamal, Bolangir, Rayagada and Koraput.
In the remaining districts, CRSP is being continued for
utilization of the balance amount available with Govt of India.
Also in T.S.C. districts, the ongoing works under CRSP will be
 completed by utilizing the available balance fund. Apart from
this BISWA has a mission to perpetuate the Water & Sanitation
program through out the State of Orissa and Chhatishgarh.
l IEC Campaign: Lack of proper sanitation is also major
challenge in the rural area. Provision of safe drinking water
will not serve the purpose of ensuring health and hygiene in
the rural area if the water is contaminated after being taken
from the safe source and used for drinking water purpose.
Hence, an integrated approach is required for water and
sanitation for maintaining the health and hygiene in the rural
areas. Bharat Gyan Vigyan Samiti (BGVS), Bhubnaeswar have
been selected to act as State Co-coordinating Agency for IEC
project.
l Installation of Individual Household Latrines (IHL)
l Building up community level infrastructure for sanitation
Awareness Campaign on Water & Sanitation
It is well proved that without the awareness on implications of
sanitation on social changes and human development, people
targeted under this project will devalue the process and underutilise
the infrastructure that defeats the whole objective. Therefore at
the onset of implementation of this noble and effective programme
of Govt of India , BISWA has been creating awareness on Sanitation
among stakeholder families. Awareness was created on water
Awarness to SHGs members on total sanitation
Individual house-hold latrine in remote villages
borne diseases such as hepatitis, typhoid, cholera, dysentery,
diarrhoea etc. For personal hygiene, skin and eye infection the
role of water was discussed and IEC materials distributed among
people. During the programme the effects of water based projects
(including dams and irrigation structures) that inadvertently provide
habitats for mosquitoes and snails that are intermediate hosts of
parasites that cause malaria, schistomsomisis, lymphatic filariasis,
onchocerciasis and Japanese encephalitis. Wherever there is
cases of high contamination of fluoride, nitrate and arsenic in water
special care has been taken in creating awareness among people.
BISWA advised and tried on following approaches to address the
issue
l Checking of reckless over-consumption and misuse
l Restrict pollution of natural water
l Restrict pollution of under ground water
l Check depletion of under ground  water level
This could help to enhance the knowledge for conservation of fresh
water which is a great necessity human survival. Otherwise
tomorrow will be grim, drier and barren to live through. Needless
to say that there are a number of steps which can be undertaken
to minimize wastage of water resources and to make more efficient
use of available water. Attempts were made to educate people on
many of those approaches.
31
annual report 2007-08
Impact analysis survey on total sanitation
Low cost individual house-hold latrine
 BISWA Bharat Integrated Social Welfare Agency

Status of IHL completed in 2007-08

Name of Name of Name of Name of the No. of IHL Work in

District the Block the GP Village Completed progress
BPL/APL

Sambalpur Maneswar Baduapali Baduapali

Mahulpali 44 /46
Tangarjuri 07
Jogipalli 10
Kundebahal 13/04
Rathipara 8
Sahaspur Bousenmura 12 20
Sindurpankh Takba 56/07 25
Tumesingha 80 35
Jujumura Jhankarpali Jhankerpali 15 40
Sitrenpali 10
Jhankarpali
Rengali Nisanbhanga Nisanbhanga 100 cont
Jharsuguda Lakhanpur Panchgaon Panchgaon 77
Rengali 91
Sukhpalli 21
Patramal 7
Bijapalli 10
Palsada Palsada 36
Naichenmura 50/04
Bargarh Bheden Bheden Bheden 205
Jamdol 42/30
32 Lupursingha Lupursingha 62/20 30
Kubedega Chalkunda 42 30
Bakti Burda 50/20
Sohela Dumberpali Khairpali 120
annual report 2007-08

Gaislet Raisalpadar Raisalpadar 58+76

Amlipali 58+30 70
Bargarh Pradhanpali Pradhanpali 30 30
Sonepur Binka Sarkara Kaudia Munda 50
Bankigiridi Bankigiridi 43
Deogarh Dhoblipathar Dhoblipathar 67
Mayurbhanja Raruan Raruan Khuntapara 30 40
Boudh Boudh Khuntabandha Khuntabandha 14 50
Nayagarh Bhappur Salapada Barabati 72 30
Dhenkanal Gondia Santapur Arnapur/Sapuajhar 44 20
Management activities & Micro-credit initiatives towards
Water& Sanitation
Sanitation of the urban limits is a mandate of the local self-
governance system, the Municipality/ Notified Area Council (NAC).
Working in association with these bodies in Sambalpur, Bargarh,
Hirakud and Brajarajnagar, BISWA has undertaken all the sanitation
activities. The sanitary workers are formed into Self Help Groups
and they are no more the employees. What they do is what they
own. The sanitation activities wards (divisions of these urban
bodies) under control of BISWA are done with more sincerity &
involvement and incur less expense. The construction and
implementation of water and sanitation activities under take by the
BISWA SHGs as a leading force in all the areas. The entire
activities/programme is bestowed to the SHGs for its successful
implementation of water Supply &Sanitation program. Riding on
the experience of 100% consensus and working together Water
and Sanitation, communities build up experiential learning of
collective organization and management. The initiation of
programme is subject to the generation of beneficiaries’ contribution
by the village as labour, materials, cash and kind ensure by the
SHG/Village Committee. Biswa provided the micro credit facilities
to the SHGs for construction of toilets (low cost latrine) and also
provided the loan for drinking water program for both BPL as well
as APL families in rural areas to make 100% coverage of healthy
sanitation provision. SHG comprise of Women, and women
comprise at least 50% of the village are enable to fully and
confidently participate in all village decision making activities, where
women play leadership role. The management activities is under
taken by the Village Health Water Sanitation Committee, consisting
members of Self Help Groups and PRI members of village with
the close collaboration with agency(BISWA)and also provided
sanitation loan through SHG/VWSC to make 100% success of the
programme by BISWA Micro-finance activities. BISWA constructed
2000 IHL in different rural village of different districts of Orissa
during the financial year 2007-08.
Construction of Swajaldhara project in villages
Swajaldhara
Swajaldhara is a major and necessary component under water
and sanitation programme.  Water scarcity is one of the burning
problems in rural areas which needs complete awareness on
effective water resource management.  To ensure its role in Natural
Resource Management (NRM) the Government of India has
lunched a programme, namely, “Swajaldhara” as an important issue
to cater water scarcity.
Keeping the above in our activities on NRM and especially in Water
Resource Management (WRM), BISWA plays a key role in
successful implementation of Swajaldhara programme in various
locations of its area of operation.  BISWA has lunched Swajaldhara
programme in 40 villages of Maneswar Block and has a target to
cover 50 villages in three / four districts of Orissa. Total number of
tube-wells installed by BISWA till August 2007 is 42 in Maneswar
block of Sambalpur District. Besides, we have taken initiative to
provide safe drinking water in our operational areas throughout
the state under Swajaldhara Programme. BISWA is implementing
Swajaldhara programme in 14 districts of Orissa, covering 21 blocks
in 67 villages.
Construction and Maintenance of Souchalaya
BISWA was actively involved in construction and maintenance of
Janata Souchalaya in Orissa and Chhatisgarh. Janata Souchalaya
at Atachakipada in Burla Block in collaboration with the Health &
Urban Development Department in Govt. of Orissa has been
completed by BISWA. Presently, BISWA maintains 37 Souchalayas-
cum-bath complexes in Dhanmantari and Sibinarayan area besides
constructing 7 new Souchalayas in Chhatisgarh. BISWA is also
continuing with the 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 33
people lack sanitation facilities. In the Swachha Chhattisgarh
Abhiyan, BISWA has also installed 500 latrines for the BPL families
in Ambikapur District.
annual report 2007-08
Impact of water resource management
 BISWA Bharat Integrated Social Welfare Agency
Story of Sagunapali
The village Sagunpali with a population of 500, with male: female
ratio almost same, is a small village asided by a canal, 25
Kilometers away from Sambalpur City, in Western Orissa. The
prime source of livelihood of the villagers is agriculture. All the
houses in the village are thatched huts. Diarrhoea and malaria
are endemic here. The last child death of the village due to
diarrhoea made the family obstinate on making the village free
of the killer diseases of children.
Smt Nalini Sahu, is the president of one of the Self Help Groups
(SHGs) promoted by BISWA at Sagunpali. Under her dynamic
leadership, members of six SHGs including all the women of the
village tried to initiate a problem exploration exercise during
November 2007. The topic of discussion was their children’s
future. Concerned Anganwadi Worker and Thana Lingraj were
invited to participate as Resource Persons for the well being of
children. The worst problem as explored, responsible for the
morbidity and mortality of children caused by the polluted water
of the pond. There were four tube-wells in the village, but of no
use except one with scarce water out put. Since the last two
years the tube-wells were not working. So the local people
dependent on the pond and canal for day to day activities. Water
from the pond used for drinking purpose was very unhygienic
and full of weeds and bushes giving vent to mosquito breeding.
Hardly ten houses have sanitary latrine and in use.
While many of the men in village being subjected to the habit of
drinking local wines, the whole household management fall back
on the frail shoulders of women. Women of the village decided to
34
Urban Waste Management :
Converting waste into wealth
annual report 2007-08
“Save Environment to Save Lives”: this is one of the frontline
slogans carried out by the conscious people throughout the world
with a view to promoting environmental awareness. Shrinking of
ground water level, fluctuating climatic condition, soil erosion,
severe loss of crops and food grains, natural calamities are covering
all the major dossiers everyday at the front page. Environmentalists
say that all the basic elements for human life are being
contaminated and polluted day by day. Rapid industrialization,
excessive population growth, massive urbanization and lack of
awareness of people are the prime factors for these environmental
hazards which is a matter of high concern at present.
clean the pond on priority basis. Second priority was sanitary
latrines in every house. They joined together and sought the
help of elected representative of Panchayati Raj Institution for
cleaning the pond and provision of safe portable drinking water
but help became stuck on the way as usual. They turned back to
men folk of the village and returned back with a sneer from them.
Rounds of discussion continued over months, for an appropriate
solution to the problem. Lastly a request was made to the
Chairman, BISWA for required equipments and technology. In
between each of the house in the village donated their contribution
in form of rice and dal, and whatever spare money they could
manage to save from household expenses. The dream took the
shape of action in 16th January at about 7a.m. hundreds of
women, irrespective of age congregated by the side of the pond.
Professional staffs from BISWA joined them with equipments and
other assistance. Cleaning expedition started and went over the
days. During the time when the group work was going on another
group of women and girls was preparing food in community
kitchen for everybody. Free from the day’s hard work they all
enjoyed the common food. At present they are maintaining the
pond and present it with pride. Practice of hygiene and clean
environment become the attitude of the villagers. The success
has made them to fight and to search for support for sanitary
latrines.
The sparse life in the sleepy small village with harsh condition
has blossomed into something very much remarkable. It was
possible because of the women’s unity.
In this line of thought, waste management is an important step to
protect environmental conditions and simultaneously to improve
community health and enhance living standards of people.
Sensitizing this situation well and standing at this critical juncture
of environmental degradation BISWA initiated Waste Plastic
Management Project with a message to the society: “clean
environment for green environment” and “Converting waste into
wealth”.
BISWA believes in creating opportunities and employment by
proper utilization of waste that communities generate, through
adopting the strategy of 3Rs i.e. Reduce, Recycle and Re-use.
Waste Plastic Recycling Unit

The Urban Waste Management Project initiated by BISWA covers
3 urban bodies, i.e. Sambalpur Municipality, Notified Area Councils
of Hirakud and Burla. 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. Under this intervention a waste
plastic recycling unit is established by BISWA.
Marketing: Presently, lumps from the Plastic recycling unit are
marketed to Krishna Sales Corporation, Gujarat; Lal Associates,
Ahmedabad and M/s. Bairagi Plastics, Rourkela. Negotiations with
other parties are also on for further marketing nexus. Accordingly
there has been arrangements to organize more number of people
in need of work to collect and segregated the waste plastic materials
at different locations and bring to the recycling unit.

Infrastructure of waste plastic recycling unit

Land and Building Total land & construction cost is
Rs.18,16,662/-
Plant and Machinery Total plant and machinery purchase
cost is Rs.13, 99, 225/-
Electrification Total cost of installation of electrical
infrastructure is Rs.9,71,028/-
PHD Water Supply The total cost of installation of PHD
connection is Rs.29,334/-
Assets The total cost towards purchase of
various assets is Rs.1,07,299/-
Recycling process of waste plastic
Impact of BISWA’s Intervention
On the environment front, the Waste Plastic Management Project
has helped to improve the baseline information on plastic waste
management in projected areas and generate awareness among
the people in 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 natural energy. This
project has a notable impact of the socio-economic development
in the region where it has implemented. Being productive by nature,
the Waste Plastic Management Project generates enterprise
opportunities in municipal areas.

Process of recycling occurs in six stages starting from collection BISWA plans to rehabilitate beggars and needy people by extending
and segregation in first stage followed by cleaning and drying, sizing employment opportunities under this project and strengthen the
/ chipping, agglomerating / colouring, extrusion and finally activity in and around Sambalpur municipality area.
fabrication into the end product.

35

annual report 2007-08

Recycled plastic ingots for reuse

Recycling of waste plastic

 BISWA Bharat Integrated Social Welfare Agency
Health and Nutrition
Health and Nutrition occupies an important part in human life and
for overall development of the society. It is generally believed that
a healthy mind dwells in healthy life. In order to enable the people
to manage their livelihood comfortably and to be able to create
wealth that comes with good health, BISWA has taken many
initiatives, such as, health camps, RCH programmes along with
some health awareness programmes including CBD centers, Eye
Camps and Blood Donation Camps etc. to make basic health care
a reality for the rural and tribal people.
Health Care through Community Based Drug Distribution
Centers (CBDs): Health activities are being carried out by BISWA
to check prevailing health disorders and generate awareness on
healthy living, hygiene and sanitary practices. The Community
Based Drug Distribution Centers (CBDs) 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.
BISWA has emphasized on establishing CBD Centers under RCH
programme in Sambalpur District In addition to 17 covered under
RCH 14 villages of in Tampergarh and Chhamunda panchayats
of Jujumara Block, BISWA has established another 27 CBD centres
covering Maneswar Block of Sambalpur District. Other remaining
66 CBDs are in other districts of Orissa.
Medicines for common ailments, equipment for childcare etc. are
provided at these CBD centres. These Centres have proved to be
very useful in the control of prevalent common diseases, promoting
reproductive and child health, healthy living practices etc. As a
36
strategic application, health programmes of Government have been
merged with the programmes of these centres and Information
annual report 2007-08
Happy moment after the eye camp
Education and Communication (IEC) materials have been
extensively used to disseminate the key health messages, educate
the mass and establish effective communication with the
community.
Malaria Control Programme
Every year, malaria claims countless lives in India, especially in
Orissa. Tribal pockets are mostly affected by this menace where
superstitions, social stigmas and traditions make people risk prone.
The major dossiers of the state often highlight the death cases
caused by malaria. Fever, body ache and chill are the main
symptoms of this disease. Malaria may precipitate miscarriage,
abortion, or stillbirth and may complicated pregnancy by causing
severe anemia and low birth-weight infants, and in severe cases,
death of the newborn or/and its mother. 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. Under the pilot project programme BISWA has been
involved in 3 districts i.e., Bolangir, Keonjhar and Kandhamal which
are mostly infested with malaria problem. BISWA has been
continuously working on malaria eradication programme for last
10 years in very intensive manner. It is a in-house core programme
BISWA continues without any funding support from external
sources. Awareness on malaria among own staff and people in
the field is a compulsory programme. Insecticide treated Bed nets
/mosquito nets were distributed among villagers at subsidized rate
in villages to keep off mosquitoes. These medicated mosquito nets
were also sold to poor people at subsidized rate in operational
area of BISWA.
In order to eradicate malaria in the rural and tribal pockets of Orissa
and to create a massive consciousness among the rural people
Laying of foundation stone of BISWA hospital
BISWA provides ITNs to all households to cover beds and sleeping Tampargarh Village of Jujumura Block on 23rd June 2007. It was
areas. As the nets need to be retreated with insecticide chemicals meant to create awareness among the villagers through AWW,
every six months to remain effective against mosquitoes; volunteers TBA and ASHA worker. Same day another camp was also organized
from BISWA are deputed to retreat the nets with insecticide free of by BISWA at Jujumura block which was meant for ANC/PNC. 65
cost. BISWA provides two types of loans for these nets through patients attended this camp and got quality health services along
with advices on ANC and PNC.
micro finance. The first type pays only for the nets on purchase,
but demands cash payments in six months and in 12 months. The
On-going Reproductive Child Health (RCH) Programme
second type of loan pays both for the net and for the next six re-
treatments. In Jujumura block of Sambalpur District one RCH project of BISWA
in two sub-centers i.e. Tampargarh and Chhamunda. There are 11
Awareness on Cancer villages being benefited by these two sub-centers. The villages
are; Tampagarh, Beheramal, Gadapal, Khajuripali, Basupali,
Several formal and informal programmes at districts head office
Taleimal, Rangalkani, Chhamunda, Nua-adhapada, Burda and
level are usually organised on cancer awareness. Technical staff
Bhatli. This project aims for the development of health of the
and social worker of BISWA are trained by premier research
pregnant mothers and infants. This is also working for the
organisation of country to support, advise and serve people with
psychological and physical development of the adolescent boys
this dreaded disease at different stage. BISWA could make linkage
and girls. During this reporting year BISWA has organized 48 ANC/
with several medical houses those who have been free or low cost
PNC camps, 48 immunization camps, 18 adolescent health check-
services to rural and urban core suffering from cancer.
up camps, 4 PRI meetings, 4 health melas, 8 RTI/STD camp, 4
HIV / AIDS Prevention gender sensitization workshop, 4 orientation programmes for Asha
and Anganwadi workkers. Apart from that BISWA has also
HIV / AIDS has been the burning issue for the globe. Orissa has organized 4 health awareness rally on the eve of World AIDS Day,
been suffering from this dreaded invincible disease for last so many World Health Day and World Breast Feeding Day. In order to
decades. BISWA has been targeting this disease to prevent and minimize the MMR and IMR BISWA has also rendered referral
restrict its spread by focusing in the district, where migration of services to the pregnant mother at the nearby hospitals.
labour and trafficking is high. Thus on regular basis BISWA could
conduct 15 programmes on HIV/AIDS prevention at district level It is a matter of pride for the organization that it has been able to
in Jharsuguda, Sundergarh, Bolangir, Nuapada & Kalahandi on achieve the prime objective of this project to reduce maternal
different occasions. Special classes and training programmes have mortality and infant mortality rate to a significant extent. The record
been taken in staff induction programmes at BISWA in different and information reflects that last year there has not a single
time. Maternal Mortality or Infant Mortality occurred in the area of
operation.
37
RCH-II Programme
Orissa has the dubious distinction of having the highest incidence
of Infant Mortality Rate (IMR) in the entire country along with the
annual report 2007-08
incidence of high level Maternal Mortality Rate (MMR) in the State.
One of the main reasons for this awful health status in the state is
lack of knowledge and less infrastructure facilities. Ante-natal care
for the pregnant mothers is quite ignored at the rural pockets. It is
due to lack of awareness on minimum three ante-natal cares which
are necessary for every expectant mother. In order to improve this
situation a series of activities were organized by BISWA during
this reporting year. BISWA facilitated the basic health care support
services to the families suffering from a host of health problems.

During this reporting year, three health camps under Reproductive

Child Health-II programme were organized by BISWA in Aids awareness rally
 BISWA Bharat Integrated Social Welfare Agency

Health Care Camps

Several health camps were organized by BISWA to reach the Pattnaik, Dr Usharani Mishra, Dr. Dhabaleswar Chaoudhury and
unreached masses in the rural area. This enabled the target people Dr. Rajaram Sarangi supported the camps with their active
to get the referral and curative services at no or low cost. Dr. Diptibala participation and inspired the volunteers and staff of BISWA.

Sl.No. Health Care Camp location Villages covered No.of patients treated and services provided

1. Tampargarh School, Tampargarh Tampargarh, 150 patients attended and calcium and iron tablets
Basupali, and Khajuripali distributed among teenaged girls
2. Chhamunda School, Chhamunda Patients from 7 villages 213 patients attended and free medicines distributed.
participated An awareness rally by students of the school was also organized
3. Gudapal panchayat Patients from 3 villages 123 patients participated and free medicines distributed
participated
4. Tampargarh ANM centre Patients from 4 villages 98 patients participated and free medicine distributed
participated

Eye Care and Eye Camps

Eye is one of the most useful and sensitive organs of our body. In total 1631 nos. of patients were treated from rural areas and 239
order to provide right vision and services on eye problems to the cataract cases were treated free of cost at B.K.M.M eye hospital,
rural poor and tribal people , BISWA organized a series of eye Dhenkanal which is managed by BISWA. Free power glasses were
camps at different locations of its operational areas. In these camps also provided to the patients in the camps.

Sl.No. Eye Camp location No.of Patients treated Cataract cases identified

1. Kiat U.G.M.E School, Khandapada, Nayagarh 177 37

2. Bhapur, Dhenkanal 750 105
3. Lingaraj Nodal M.E. School, Khalisahi 261
4. Kantilo Primary School, Kantilo, Nayagarh 210 36
5. Bahada Primary School, Banmalipur 233 61
Total 1631 239

Blood Donation Camps

Donating blood is a noble deed to save victims in the critical stage blood donation camps in different locations of its operational areas
38 of life. Visualizing the concept on “service to mankind is service to to save lives on casualty.
God” BISWA, in its sincere effort, has undertaken a high volume of

Sl. Blood donation camp location Date Units of blood

No. organized
annual report 2007-08

1. Malkangiri 15th Dec 2007 12

2. Nayagarh 24th Dec 2007 11
3. Waste Plastic Unit, Sambalpur 6 Jan 2007
th
15
4. BISWA West Zone Office, Thakurpara, Sambalpur 26th Jan 2008 Republic day 12
5. BISWA Gajapati District Office at Shiv Mandir premises of
Chitrakarsahi in Paralakemundi, Gajapati 26th Jan 2008 Republic day 17
6. BISWA, Nayagarh District Office in association of District Health
Administration at District Blood Bank premises 26th Jan 2008 Republic day 25
7. BISWA, Balasore District Office in association of District Health
Administration at District Blood Bank premises 26th Jan 2008 Republic day 13
8. BISWA, Boudh District Office in association of District Health
Administration at District Blood Bank premise 26th Jan 2008 Republic day 25
Total 8 Blood Donation camps 130 units
Health care activities for urban poor HATIBARI Health Home
An innovative service to urban poor has been designed to meet Padmashree Dr. Isaac Santra, an social worker of repute,
their health need in difficult hours where they do not have the free established an Ashram at Hatibari for the persons affected by
access to Govt. hospital care. At Thakurpada, Sambalpur BISWA leprosy; in the year 1951. The centre was named after the village;
has this unit opened in 2007-08 with a team of physicians, a nurse Hatibari Kusthashram and later renamed as ‘Hatibari Health
and a pharmacist. BISWA provides medicines at a subsidized rate Home. After the demise of the great soul Dr. Santra in August
where patients can purchase it at a very low cost within its paying 1968, the management of the Home came under the control of
capacity. Around 5000 people belonging to low income group and Hind Kustha Nibaran Sangha (HKNS), a national organization
labour class are dependent on this centre. working for case detection, treatment and rehabilitation of  persons
suffering from. The sangha as well as provided opportunity to the
Particulars No. of patients treated people suffering from the disease and made deformed  the cured
Geriatric Care persons to lead a normal life with self-respect, dignity and without
Rheumatoid Arthritis 20 a feeling of being socially excluded. The infrastructure available at
Gastro Intestinal problems 30 the Home, viz. the cultivable land, the industrial sheds (for
Ophthalmic problems 53 blacksmith/ rope making/ tailoring/ handloom, weaving), the ponds
Hearing Impairing 23 for pisciculture and the orchards provided them to work with
confidence and provided them an opportunity to lead a respectable
Cardiac Issues 62
and dignified life.
Malnutrition 75
Maternity Care The disease prevalence rate came down because of introduction
Anaemia 84 of MDT, a short span treatment for leprosy in late eighties. This
Malaria 33 was available to patients free of cost at the door step. At the same
Ante-natal Check up and counselling 42 time complacency prevailed over. The situation was viewed
Post-natal Check up and counselling 55 seriously and discussed several time in a series of meetings of
District HKNS. Many a voluntary organizations were requested to
Paediatric Care
take over the management as Government management was
Diarrhoea 73 gradually withdrawing. None of the organizations came forward.
Malaria 50 So in 2003, the then district Collector & President of HKNS
Nutritional problems 85 suggested to BISWA in 2003 to take over the management of the
Low weight 78 inmates and infrastructure available at the Home (vide their letter
Skin Diseases 96 No. 990 dated 24.05.2003) to make the lives of the inmates more
Common cough, Cold and fever 90 comfortable.  BISWA entered into an agreement with the DHKNS
39
General care on 21.07.2003 to take over charge of the Home under terms and
Hyper-acidity 133 conditions mutually agreed.
Malaria 46
Basic Statistics: Hatibari annual report 2007-08
Skin problems 33
Cardiac Problems 47 Gram Panchayat Nrusinghagarh and Jhankarbili
Diarrhoea 67 Block Jujumara
Arthritis 36
District Sambalpur
Distance 25 kms. from Sambalpur City
Ambulance Services Capacity 194
Ambulances are services available at subsidized rate for 24 hours Total inmates 192
in Boudh and Sambalpur district head quarters. It usually caters to Males 97
the need of SHG members of BISWA in difficult times. Under this
Females 95
service 2 ambulances are available which provides linkage with
Hospitalization wards 20 (Male-12 Female-8)
major specialist hospitals in Orissa.
 BISWA Bharat Integrated Social Welfare Agency

Description Total
The full system includes four components: A pedal-operated
grinding / blending system, a steam boiler, a pressure-cooking
Cultivable land 102 acres
vessel and a filter press. The use of steam-injected pressure-
Residential land (Two colonies,
barracks, kitchen, hospital, roads, etc.) 149 acres cooking is up to 10 times more energy-efficient than traditional
Forest coverage 200 acres open stove cooking. Some of the foods can also be prepared
without the cooking section.
Tanks (four) 26 acres
Land available to BISWA for agriculture The VitaGoat’s processing capability features economical, high-
/ horticulture purposes 86 acres protein and healthy soya foods, in the form of soymilk and its
Total Area 563 acres derivatives such as tofu and yogurt. Other cooked and processed
foods such as soups, sauces and purees, can be made from various
Involvement of inmates in various income-generating activities:
fruits and vegetables. An extra food-preserving vessel is in
development to allow for long shelf-life. The cycle-grinder alone
Activity No.of Activity No.of
can process peanut butter, soy and other nut butters, and grind
inmates inmates
cereals and grains into meals and some flours.
Goat-farm 03 Cow-shed 06
Rope-making 07 Sisal fiber rope 40 This vita goat project of BISWA was started on july-07 under the
partnership with Mal Nutrition Matters, Canada and World bank.
Candle-making 03 Weaving 13
In this project the resource support was from Mal Nutrition Matters,
Agriculture 46 Other 33 Canada and financial support was from World Bank. BISWA is the
implementing agency in this collaboration. The ultimate aim is to
Soya Milk Promotion provide nutritious food in form of SOYA milk to the poor students in
rural area. Now 4 sites such as BOLBANGA,BOLARANGA,
The Vita Goat is a food processing system for developing countries.
ANTAPALI AND BAUSENMURA are actively functional in
It serves as a principal vehicle for micro-enterprises, while providing
Maneswar block of Sambalpur district where BISWA provides Soya
the local community or social institution with high-quality nutrition.
milk at free of cost to 750 students of 18 innovative schools. The
It is operated without electricity or generator. It uses locally-available
other aim of this project is to create employment in rural area. In
fuels, including wood or other biomass, or bottled gas, for the
all the 4 sites, people in the villages are engaged in producing
cooking section of the operation. This is a critical feature that due
soya for this purpose. When the demand will increase then the
to the unavailable or unreliable electricity supply, and/or high cost
employment opportunity will proportionately be more. Thus in
of electricity in most developing countries, many such innovative
addition to providing the nutritious materials to children BISWA is
and efficient system failed to cater the need of poor people. But
also concentrating on more income generation activities.
this is an exception.
40

SWADHAR and Family Counselling Centre

annual report 2007-08

Indian family as a social institution grass root democratic unit is of joint family system. Sometimes society itself drives such women
well known for the emotional bond and physical support, it provides out of the system to lead lives of sub human existence. More often
to its extended members. Many a time it fails to respond the specific vulnerable women in distress end up as beggars or prostitutes for
needs of women, especially for women in difficult circumstance their own survival and survival of the dependent children.
like widows, destitute and deserted women, women ex-prisoners,
State intervention available through Old Age Home, Short Stay
victims of sexual abuse and crimes, including those trafficked and
Home, Nari Niketan etc., cover only a fringe of the problems of
rescued from brothels, migrant or refugee women rendered
such women. Therefore, the scheme ‘SWADHAR’ has been
homeless due to natural calamities, mentally challenged women,
designed with a more flexible and innovative approach to cater to
women victims of terrorist violence etc.  Often the supports of
the need of women in distress. Till date 78 residents and 44 children
immediate or extended family are not available due to economic
were admitted in SWADHAR, BISWA.
instability of the family to provide such support to the breakdown
For BISWA, SWADHAR is a not only a programme but a philosophy.
In SWADHAR S stands for Service, W for Women, A for Assistance,
D for Dedication, H for Help and Home, A for Activity and R for
Rehabilitation. This is to address the specific vulnerability of each
group of women in difficult circumstances through a home based
holistic and integrated approach.
As per the objectives of SWADHAR, it has been providing primary
need of shelter, food, clothing and medico, psycho and social
attention to the marginalized women/girls living in difficult
circumstances deprived of socio economic support. It also provides
emotional and homely atmosphere as well as counselling support
to them . It rehabilitates them socially and economically through
education, awareness, skill up gradation and personality
development through behavioural change for communication (BCC)
trainings. It also arranges for specific clinical, legal and social
supports to distress women and children through networking with
Govt administration, hospitals, police station, mental asylums,
DSWO etc. There is a toll free help line no operates 24X7 in
SWADHAR premises to provide help to distress at the time of
emergency.
Women
self-employed
after
Vocational Training
programmes by
SWADHAR-2007-08
Workshop on health issue in shelter home
It has been supporting following categories of women
l Widows deserted by their families and relatives and left
uncared.
l Women prisoners released from jail and without family support
l Women survivors of natural disaster who have been rendered  
homeless.
l Trafficked women and girls rescued or runaway from brothels.
l Women victims of terrorist or extremist violence
l Mentally challenged women having no support.
l Women with HIV/AIDS deserted by their family and without
any financial support.
Vocational Training Imparted at SWADHAR, BISWA
For economic rehabilitation of inmates vocational training are on
various trades like Tailoring, Agarbati, Phenyl, Papad, Door mat,
Soap, Soft toys making and packaging of spices and food items.
All training program are continuing in training cum production centre
managed by BISWA.25 inmates are engaged in all this training
and 40 of them left SWADHAR with vocational training.
41
annual report 2007-08
Awareness rally on safe motherhood
 BISWA Bharat Integrated Social Welfare Agency

Sl No. Type of case Total Category

SC ST OBC / Minorities Others

1. Desertation 18 3 7 4 4
2. Domestic Violence 4 - - 4 -
3. Dowry Torture 2 - - 2 -
4. Family Dispute 11 6 3 2
5. Fake Marriage 1 - - 1
6. Mentally Challenged 5 2 1 2 -
7. Missing 1 1
8. Orphan 4 - - 4 -
9. Rape 1 - 1 - -
10. Trafficked 1 - - 1 -
11. Unwed Mother 7 - 5 2 -
12. Widow 8 2 6 -

Management Committee of SWADHAR Sl. Type of Rehabilitation Total no of

No. successful cases
SWADHAR is managed by a dedicated team consisting of a 1. Marriage 03
Superintendent, a full-time Counselor, an Accountant, a Cook, an 2. Reconciliation 11
Attendant and a Security Man. A Lawyer has also been engaged 3. Legal Support 02
for legal support. The home has its own managing committee 4. Restoration 20
headed by Dr. Diptibala Patnaik for smooth functioning of the centre. 5. Suitable Placement 07
6. Medical Support 05
Rehabilitation achievements of SWADHAR
Infrastructural facilities at SWADHAR
Broadly at SWADHAR eight types of rehabilitation are being
A home covered with boundary wall at all sides, Well furnished
provided. Such as Psycho-Social Counselling, Moral support,
room with attached bathroom, Recreation Hall ( Provision of
Restoration, Help line, Medical Service, Legal Service
Television with Cable Connection), Common Kitchen, Training Hall,
Rehabilitation, Food and Clothing and Vocational Trainings.. Office Room, Telephone, Helpline and Other facilities such as
42 Bedding, Mattresses, Pillow, Clothes, Cosmetics, Vocational
Trainings etc.

Swadhar service rendered to women in difficult circumstances 2007-08

annual report 2007-08
Family Counseling Centre (FCC) FCC handled following domestic violence cases of women
in last fiscal year 2007-2008
The Central Social Welfare Board, through the State Social Welfare
Advisory Board has been extending support to establish one Family
Counseling Center (FCC) to cover Sambalpur District. The Center Dowry Demand 4
was established on 1st March 2004. Last year more than 60 Marital Maladjustment
complex family disturbance cases were registered in the center, Spouse 1
where FCC provided counseling and legal support to them. The In laws 3
families could overcome their differences and start the life in a Both 1
harmonious way. As per the programme component, two women Maladjustment in family
professional act as counselors those have adequate educational Personality differences 3
and professional backgrounds. Interference of parents/ in-laws 7
Extramarital relationship 9
BISWA FCC could deal with above 54 no. of very complex domestic Alcohol/drug addiction 14
violence cases and completed the intervention with different logical Family Conflict for the property distribution 5
ends and settled the issues. FCC also conducts regular awareness Mental disturbances 1
among federations of women SHGs on different women issues Physical disability 4
where domestic violence and family disturbances make the women Teenage issues
vulnerable. FCC has the significant achievements in dealing with Infatuation/conflicts 2
domestic violence with help of SHGs and counseling approaches.

Anti liquor moment of women

All women SHGs of BISWA have strong conviction to go against
liquor drinking and addiction which creates social maladies.
Consequences of drinking finally max women and children
vulnerable. BISWA with its women SHGs leading “Mada Mukti
Abhijan” for last five years. Thus anti liquor movement at grass
root level influence the house-hold economy, social peace and
family prosperity as well. Hundreds of incidents and events occured
in last fiscal year under “Mada Mukti Abhijan” which are
documented and published by the local news paper. BISWA is
proud leader and confident service provider in this dimention of
development.

Programme for differently able people

The emphasis in development has shifted over the last decade
from being serviced biased, providing services to those who most
need them, to a rights based approach recognizing the basic rights
of each person whoever he or she might be. The rights of women
have taken some prominence and are now gradually becoming an
important issue for the younger and next generations. Today there
remain many in the society who are still marginalized whether
through poverty, disability, illness or the lack of education. They
are excluded from the benefits of participating in the mainstream
of society and their rights are not upheld.
BISWA is working with many such groups who are excluded. It
has a mandate to serve persons with single or multiple disabilities
without any discrimination of cause, caste, gender, religion or
language. Unfortunately in our society their rights are encompassed
within the Person with Disability Act passed in the mid 1990’s. But
43
as yet we have not been able to use that information to cater for
the special needs of those people in providing aids, appliances or
adaptations to enable them lead a comfortable life.
annual report 2007-08
BISWA believes that people who have any kind of disability have
as much right to become members of an SHG as any other. To
enjoy the benefits of a micro finance programme leading to
participation in micro enterprise and join with other marginalized
or vulnerable groups of a community to join the mainstream of
society, BISWA has been working on people who are differently
able. BISWA has appointed no. of staff with several types of
disabilities and also efforts are on to identify differently able people
from villages under several categories where they are supported
with health and care services and encouraged with microfinance
support to different income generating activities. Thus many of
them have small business and agriculture activities.
 BISWA Bharat Integrated Social Welfare Agency
A group of professionals in SWADHAR of BISWA have been
relentlessly working for people with disability due to old age,
physical deformity and mental illness etc. These professionals,
with strong academic background in sociology, psychology,
anthropology, Social Work and business management and
development practices. BISWA has undertaken no. of awareness
programmes in several districts and built up the capacity of its
village level workers and managerial staff members on identifying
and serving people with disabilities. Steps have been taken to
prioritize the mF activities in favour of differently able people under
BISWA mF programme to build up and strengthen the livelihood
promotion activities. There is also an effort by BISWA to mainstream
the inclusion of people with disabilities. With this objective BISWA
has initiated collaborative effort with state and central Govt agencies
and Voluntary Services Overseas (VSO), New Delhi. Staffs from
BISWA are being trained by VSO on Right to information Act and
serving people with disabilities.
Relief and Disaster Management
Disasters are as old as humanity and used to occur even much
earlier. Natural and man made disasters are on the rise in almost
all parts of the world. Orissa has been regularly suffering from
natural disasters such as flood, cyclone, and sun stroke etc for
last 200 years. The degree varies from one location to other but
the occurrences are regular. Due to the natural calamities Orissa
population has been witness to death, displacement and
dislodgment of enormous number of populace for last 60 years.
Natural calamities Orissa has remained as major constraint of
development that causes destruction and obliteration to the natural
resources and ecosystem on which entire Odia population is
dependent for life and livelihood.
44
Taking serious note of different disasters in the coastal and tribal
belts of Orissa during past, BISWA has undertaken a number of
annual report 2007-08
Relief support at the time of disaster
activities in enabling the people to overcome such untoward events
through disaster management, preparedness and mitigation
activities. Some awareness programmes has also been carried
out to create a sense of responsibility and accountability to solve
the problems at community level.
Major activities in 2007-08
Sambalpur city is mostly hit by flash flood and the calamity causes
severe damage in both 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.
During the devastation caused by flood, last rainy season in 2007,
around 9422 persons in 65 villages in 38 Gram-Panchayats of 7
blocks of Sambalpur and Rairakhol urban areas were affected.
The affected had lost their homes and livelihood. Most of these
were daily labourers, rickshaw pullers and belong to the
unorganised labour class. So, the damage created deep scar on
the economy of the people.
Different voluntary organisations along with the administration
extended aid to the stranded people. But, just after 2 days of the
heavy rain and flash flood, the relief operations could successfully
intervene in 6 camps except the one at Guru Nanak Public School
(GNPS). To mitigate the impact of the disaster, in collaboration
with the District Administration of Sambalpur, BISWA could provide
necessary relief and rehabilitation in 7 relief centres in Sambalpur
town in that extraordinary disaster situation.
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 address the sufferings of the affected people.
The District Administration decided to run the relief centre at the
GNPS until slumping of flood. 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 may
receive severity assessed by the Administration in between these
two limits. 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 through
SHGs.
Natural Resource Management
Natural Resource Management (NRM) is an integral part of
BISWA’s operation in Orissa and Jharkhand. We have tried to
integrate the NRM projects with the core Micro Finance programme
for bringing sustainability to the interventions. It is our belief that
environmental awareness can be translated into betterment of the
environment, only when people see tangible benefits coming out
of it. Micro credit in the sectors of agriculture and environment
development instills a sense of ownership and ensures active
community participation.
mechanism. The degradation of forest has resulted into the vicious
poverty cycle wherein absence of livelihood options encouraged
the local people for more and more removal of forest produces in
unsustainable manner leading further degradation of forest with
spread of poverty and unemployment. Thus, the project is
necessary for improving the living condition of the people residing
in and around the forest by providing them livelihood options
consistent with conservation of forest and its sustainable
management.

Orissa Forestry Sector Development Programme (OFSDP)
BISWA is a facilitating NGO for OFSDP, a forest conservation
programme started in Orissa by the Ministry of Environment and
Forest, Government of India. The programme requires treatment
for regeneration and reforestation through community participatory
BISWA is currently working in 3 Field Management Units (FMUs)
in Deogarh and Keonjhar districts. The administrative structure
involves a Team Leader and two Community Development Officers
for each of the FMUs. The BISWA staff works in close co-ordination
with the Forest Department staff and in a participatory manner
with the people.

Deogarh Forest Range, Deogarh District (Reamal Block)

Village/VSS Names Rampali Puipani Chirguni Kudar Phuljhari Khairrandha
Pudapada Rairatanpur Bramhanipali Siarimalia Arakhpal
Andhari Sadhubahali Laxmipur Badkunarkhol Bhaluchaba
Malichua Khandadhuan Bardanali Ghamamunda Iswarpali
Deogarh Forest Range, Angul District (Khamar Block)
Village/VSS Names Jambua Tamur Arjun Jhari Nuagaon Bahadakani
Padaposhi Hansala Bankhuli Sahargurujang Alluri
Basalia
Keonjhar Forest Range, Keonjhar District (Telkoi Block)
Village/VSS Names Siriabahal Sailakela Purnapani Chandrabahal Sanklei
Haldipani Satlangi Kamalangi Dhananajaypur 45
Purushottampur Malanda Krishnapur Danthanjhari

annual report 2007-08

Highlights of the Programme
l Community driven forest planning programme were conducted l Community Building – One community building is built in each
by using tools of Participatory Rural Appraisal (PRA) like Social of the operational villages to provide a space for community
Mapping, Resource Mapping, Time Mapping, Venn Diagram meetings and gatherings.
and Seasonality Chart. In Telkoi Block BISWA was the first
l Social Forestry – Forest protection and forest thinning activities
Implementing NGO to complete and submit the micro plan.
have been undertaken in the forests surrounding the
l Participatory Approach – An active participation of the people operational villages.
in the planning and events are undertaken for forest
conservation. l Self Help Groups – Existing SHGs in the villages have been
identified for nurturing and setting up of micro enterprises.
l Nursery Plantation – One nursery for every two operational
village is raised.
 BISWA Bharat Integrated Social Welfare Agency

National Environment Awareness Campaign (NEAC)

The National Environment Awareness Campaign (NEAC) was programmes under the National Environment Awareness
supported by the Ministry of Environment and Forests every year Campaign. The programmes aim at mobilizing the people on
since 1986 with the objective of creating environmental awareness environment related issues for eliciting people’s support towards
at the National level. BISWA implemented 3 awareness future interventions.

Our Experience
Bankholi VSS

Bankholi is a small tribal village with 80 households having a population of 410. It is located about 40 kms away from the
Khamar Block head quarter and about 75 kms from the Angul District head quarter.

The village is predominantly inhabited by the tribal communities (65 families) along with the General Caste (13 families) as
well as the Schedule Caste (2 families) Households. These families irrespective of their caste / community used to depend
upon Non Forest Timber Products (NTFPs) like Sal leaves, seed, glue and Mohua flowers during the lean season. These
products were then exchanged for general commodities like salt and oil from the nearby towns. Excess harvest of forests
resulted with difficulties to get NTFP’s from the forests. Shri Ganeswar Sahu, an old person from this village says, “With the
growth of towns, it became easy to sell wood at a better price and supplement our income levels. But the indiscriminate
felling of trees had a very bad impact on the forest density and wild life”.

This was here that BISWA intervened in the village through the Orissa Forestry Sector Development Programme (OFSDP).
The earlier programmes from the Government aimed at Forest Protection and afforestation through Social Forestry which
was coupled with constant confrontations between the Forest Officials and the Community. Today, they share better
relationships working hand-in-hand under the umbrella of OFSDP.

The villagers have been organized into Vana Samarakshana Samitis (VSSs) to participate in the awareness meetings,
social and resource mapping and preparation of micro plan. The micro plan is a blue print for the village development which
addresses their problems and proposes subsequent development plan.

Campaigns Place Date No. of community

participants
46 Biodiversity conservation and plantation Jhankarbahali, Sambalpur district 27th March 85
Protected Areas-Aid to Bio diversity Reamal, Deogarh district 26th March 54
Biodiversity conservation through Lanjiberna, Sundargarh district 17th March 35
medicinal plants
annual report 2007-08

The programmes were conducted with active participation from Water education and Water Harvesting Structure (WHS)
community leaders, youth club members, SHG members and
Construction of Water Harvesting Structures is one among the
school students. The resource persons for the events were
major activities of BISWA under water education management
Panchayati Raj members, Academicians, Prakruti Mitra Awardees
programme. Due to improper maintenance and ignorance,
and BISWA district level officials. During each of the events,
traditional water harvesting structures and rural water bodies are
Information Education Communication materials were circulated
being silted and eutrophicated in most part of our state.
and the participants passed resolutions on environment protection
Encroachment of these traditional structures is another serious
and conservation.
problem as the population is booming at its highest rate. BISWA is
taking initiatives to encourage construction of water harvesting
structure in rural pockets of Western Orissa to increase the surface
storage capacity and ground water level. BISWA already
constructed four Water Harvesting Structures in Maneswar Block
of Sambalpur district in the village of Budapada, Jhankarbahali,
Tangarijuri and Rathipada. This finally led to increase the ground
water level and easy availability water during off season for human
consumption, livestock use and cultivation.      concentrates on replenish existing forest cover and create new
Roof Top Water Harvesting Structure
Roof Top Water Harvesting Structure (RTWHS) is one of the major
focused activities in the operational areas of BISWA. Unnecessary
wastage of rain water as run off during rainy season is the main
cause of water scarcity during off season. Collection and storage
of this excess water during rainy season help to recharge the
ground water table. Roof top water harvesting has been proved
highly encouraging in and around the operational areas. Under
this programme BISWA has constructed RTWHS at Jujumura Girl’s
Food Security Programs
Hunger and starvation have become regular phenomena in the
context of poverty in Orissa. People, who mostly engage
themselves in different agriculture and cultivation sectors, are the
highest sufferers in this situation. In spite of abundant natural
resources and large scale agricultural practices, every year the
state suffers from food shortage due to natural calamities like floods
and droughts. It makes people; especially the poor ones in rural
area prone to exploitation by wealthy moneylenders. BISWA could
fund a large no of families with micro finance to support its client
households all over its operational area to address acute hunger,
agriculture issues, family food consumption and initiated small
business.
Grain Bank
BISWA initiated the Grain Bank activities in villages as a support
to farm families and labour class people in agriculture to strategically
meet the need of food in lean periods. Through the Grain Bank
Project, BISWA aims to ensure food security during lean period of
3 to 4 months every year (from July to October) and to meet the
emergency needs of the community. BISWA has the objective to
form and strengthen Grain Banks in all operational villages and
meet food deficiency in the lean period. Under the systematic
High School in Jujumura Block of Sambalpur District and handed
over to the committee for its proper management and maintenance.
More numbers of RTWHS are also in future plan in other areas of
operation.
Plantation
As a special measure to restore greenery, BISWA has taken up
intensive plantation in its operational area. The programme
vegetation in the wasteland.
It has carried out :
l Plantation of 16,500 bamboo shoots in the jungle adjacent to
Jhankarbahali
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 block.
strategic approach BISWA meets the situation by working along
with communities. It is keen to involve each household of the
community to eradicate hunger and food insecurity issues and make
the poverty history.
A Grain Bank is formed with a minimum of 10 members involving
all households of the community. Priority is given to the poor and
needy persons. Individual savings may vary from 5 tambis to 10 47
tambis ( 1tambi is 40 Kg.). Therefore, the saving quantity is fixed
by the community, which is to be decided after considering the
saving capacity of the poor members. The saving benefits are
annual report 2007-08
always be added to groups and the group decides about the
individual benefits.
The Grain Bank can disburse loans in case there is a need and
the community decides whether the need for loan is genuine or
not. Repayment will be made after harvesting. In case of drought/
flood / emergency, the group decides on future action. No recurring
loan is entertained. Priority is always given to non-loaners and the
up lend beneficiaries of the respective villages to return the support
amount to the Grain Bank after harvesting.The interest rate is fixed
at 25% per year i.e. 5 tambi per 20 tambi grain. Matching grant is
to be provided for a period of minimum three years as against the
 BISWA Bharat Integrated Social Welfare Agency

deposit of the members, which may be extended after observing maintenance of stock and its over all management . For each grain
the availability of fund. bank a committee of at least 10 members is there. One member
is to be nominated from Gram Sabha. Executive Body of Grain
Record Keeping in Grain Bank - Grain Bank members need to
Bank looks after all Grain Bank related matters along with a member
maintain proper record with all details. Each Grain Bank needs to
from the grain bank. The Executive Body members are called
maintain records on:
“Shashyagar Parichalak” and the member from grain bank
l Meetings (Resolution) “Shashyagar Upaparichalk”. A change in membership is
l Saving administered by people in the management body in every two years.
l Loan disbursement A general meeting of Grain Bank members must be held quarterly
l Grain Bank member’s details i.e. four times in a year. In case of necessity, it can be more than
l Matching grant (contribution register) that.
l Loss and Profit
l A single register for all the above records Storage and Utilization - Proper storage of grains are ensured
with indigenous practices at a common place. Grains need to be
Management – Each Grain Bank has a Managing Committee for well preserved. The stock can be used for emergency purposes of
smooth operation and management of grain distribution, the community and individuals.

Sl. No. Name of the Grain Bank Name of the Village Members

01. BISWA Gramyadevi Grain Bank Jhankarbahali 34

02. BISWA Maa Mauli Grain Bank Budapada 10
03. BISWA Bira Bajarangabali Grain Bank Tangerjuri 36
04. BISWA Radhamadhaba Grain Bank Antapali 24
05. BISWA Ramji Grain Bank Mahulpali 34
06. BISWA Maa Jogipali Budharaja Graini Bank Jogipali 10
07. BISWA Maheswari Grain Bank Mendhlipali 17
08. BISWA Laxmi Grain Bank Rathipada 20

48
annual report 2007-08

Promoting vegetable cultivation Awareness workshop on DRIP

Tribal Development Programme
Orissa is the second-poorest state in India, where the incidence of
rural poverty is very high. Poverty is highest in the areas of tribal
concentration and especially in the south-western part where it is
reported to be 74% as per 2001 census. Despite some progressive
activities carried out by the Government, most of the poverty
indicators remain worse at these tribal pockets of Orissa.
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 Chhattishgarh. 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.
Promoting entrepreneurship among tribal youth
Minority Empowerment
Constitution of India has bestowed the fundamental rights to its
people to live with peace and harmony keeping in view the
Secularism of the country. Since the inception of Indian Constitution
“Unity in diversity” has been the mantra in Indian context of
secularism. But, a large number of communities, so called ‘minority
groups’ are still ignored and being isolated in major affairs of
national issues and in some cases forced behind in getting similar
opportunities to live as a citizen.
People of the minority Muslim community are under extreme
hardship in almost all ways of life. Lack of proper livelihood support
is the main cause behind this hardship. BISWA has initiated a
Initiatives by 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 from Siali leaves. A
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 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 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 programme from BISWA has
not only supported the poor tribal women with a better livelihood
opportunity, but also proved helpful in checking deforestation and
enhanced forest revenue for the government.
Promoting enterprise among tribal women
49
annual report 2007-08
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 in 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 Innovative
School in Motijharan in Sambalpur to provide elementary education
 BISWA Bharat Integrated Social Welfare Agency
and basic education as a fundamental right of children. The name
of the School is Islamia Innovative School which is managed by
the Minority Cell of BISWA where Ms. Gajala Parween is the teacher
and Ms. Mumtaz Parwin is the Project Coordinator. The total
strength of students is 54 at present.
BISWA has always shown interest in the betterment of the minority
community and qualitative improvement of education of the children
Niwano Peace Foundation Project
BISWA joined hands with Niwano Peace Foundation to bring
effectiveness and sustainable approaches for its projects to
eliminate poverty and ensure food security as adopted in the
drought-prone areas of Sambalpur District.
Activities and Achievements of the Project
Livelihood Pattern Analysis
BISWA has short listed and 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. The organization intends to
generate mass awareness and for which two Focus Group
Discussions are being conducted every month in each project
villages.
Awareness Camps
Awareness camps are regularly being organized by BISWA in each
50 project village once in a month. The theme of the awareness camp
remains the same for all villages in a particular month. Adult
annual report 2007-08
Drinking water project in schools
in this community as they are the least cared for. It has revealed
from the experience of Islamia Innovative School in Motijharan
and observations of BISWA coordinators says that children from
the minority community in Motijharan were neither interested to go
to school nor attracted by provision of food, recreation and health
care. But, now the scenario is altered and keeping in view to all
these affairs of child education BISWA is planning for other
ambitious plans for them.
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.
Water Harvesting Structure
BISWA has established three Water Harvesting Structures in
Budapada, Jhankabahali and Tangarijuri villages. In order to
enhance the knowledge base of the members they were imparted
training by the core committee on effective management of water
in terms of storage, seepage, ground water recharge, etc.
Enhancement of the Role of SHGs as Peer Health Educators
(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.
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.
Awareness Generation on Development Issues
by Role Play and Dance
BISWA has organized different role-plays based on local issues to
sensitize the local communities of the project area. The themes of
the plays are on the roles and responsibilities of different persons
in a community towards integrated and sustainable livelihood
development. People are getting motivated by these plays to get
involved in the project interventions.
 3
Section

51

BISWA
annual report 2007-08

Umbrella
Organisations
 BISWA Bharat Integrated Social Welfare Agency
Networking with Civil Societies
BISWA was a partner in the recently brought out CIVICUS civil
society study report for Orissa-2006 which is an eye opening
assessment of the current civil society status in Orissa. The
findings indicate that there is a need to strengthen the structure
and impact dimensions for a vibrant civil society in Orissa. A
healthy external environment and a sound value system seem
to act as facilitators for a strong and resilient civil society.
According to this study not all is well with the health of civil society
in Orissa and so also other state of India.
l The civil society is yet to become active enough to boost
development initiatives. Sustained efforts towards common
issues of social concern are lacking.
l Transparency and accountability issues are a matter of
concern also to the CSO.
BISWA Network
To create an association of responsible civil society organizations,
working for socio-economic development and play the role of a
facilitator in optimizing livelihood initiatives through various
interventions. The BISWA NETWORK will help its member
organizations, to better quality of life with a stable livelihood.
Objective of BISWA Network
52
BISWA NETWORK (BN) will identify issues, open dialogues with
partners and create a common platform to advocate/lobby for the
common causes and find out the solutions for issues affecting all.
annual report 2007-08
Networking with international partners
l There is as yet neither any system in place to ensure self
regulation or CSOs nor have there been any efforts in this
direction.
l Civil society action to promote gender equity at the societal
level in Orissa is not very satisfactory.
l Inadequate networking among CSOs on common issues
and the effectiveness of existing networks are yet to be seen.
These are few important concerns also for BISWA to start a Civil
Society Network to devise action plans for future interventions in
building a strong, vibrant and resilient civil society. The potential
of civil society can be better harnessed to bring about a desired
socio-economic change.
The BN would handhold partners, upscale their activities through
various resource supports both in terms of finance and experience
sharing. To fulfill these objectives the scope of work for the BISWA
NETWORK, are as follows…
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 non-government organizations
through research, consultancy and training in different aspects
of livelihood finance.
Network partners in a meeting
l To establish linkages between members and resource l To act on establishing an accreditation system for the voluntary
institutions, such as funding agencies, financial institutions, sector.
training, research and consultancy firms.
l To establish a civil society study center for civil society research
l To disseminate and publish documents, papers, journals, and studies.
news-letters, relevant and useful for the members.
Members of BISWA Network (as on 31st March 2008)
l To co-ordinate and cooperate with similar networks and
coalitions at the state, nation and international level. Sl. No. Name of the State Total Members

l To make representation in Government and other regulatory 1 Orissa 141

and policy making bodies to promote the cause of the partners 2 West Bengal 028
and help create a favorable policy environment for livelihood 3 Chhatisgarh 020
finance and income generation initiatives.
4 Jharkhand 001
l To advocate for enhanced credibility, acceptability and
5 Bihar 002
recognition of the work done by the voluntary sector in the
eyes of the government, the donor community, the corporate 6 Uttar Pradesh 001
sector, the media and the public. TOTAL 193

BISWA Research & Innovation Center (BRIC)

BISWA Research & Innovation Center is the proposed Research
and Innovation wing of Bharat Integrated Social Welfare Agency
(BISWA). This institution is going to be established to meet
increased research need and interest of BISWA in the related issues
of innovation, globalization, human development, the knowledge-
based economy, social sustainability, and the problem of social
exclusion (basic educational and primary health and livelihood
choices and options to overcome food insecurity and problems of
quality of life indicators), and emerging issues of global warming,
climate change and environment, water scarcity, gender, local
governance of services and entitlements and human rights. BRIC
has been envisaged with a mandate to provide knowledge,
research and extension support to BISWA for development
intervention.
Vision, Mission, and Goals of BISWA Research & Innovation
Center
The vision of BISWA Research & Innovation Center is to be
recognized as an institution of excellence in action research,
innovation and extension for social change.
The mission of the BISWA Research and Innovation Center is to
53
create, disseminate and transfer knowledge from Bharat Integrated
Social Welfare Agency (BISWA) to public and private businesses,

annual report 2007-08

Research on banana cultivation Research on goat farming

 BISWA Bharat Integrated Social Welfare Agency
policy makers the civil society organizations and the community at
large.
We focus on two main thematic areas:
1. Innovation, technology and organizational change
l Knowledge networks and innovation systems.
l Indicators for measuring knowledge-based economy and
society.
l Relationships between science, industry, and government.
l Human capital and knowledge based economy and
society.
l Commercialization of science and ethical issues.
2. Development and social exclusion
l The sources of social exclusion.
l Social institutions and social exclusion.
l Key indicators for measuring social exclusion.
Proposed Activities
l To organizing seminars, conferences, and publishing a
series of Working papers and development Journals,
Promotion of new Knowledge systems.
l Innovations in the field of social development (basic
education, Health and Livelihood promotion).New
Innovations to measure outcomes and impacts of
development interventions (OHDR, YDI, Strategic
54
annual report 2007-08
Research on vegetable farming
planning, techniques to measure impacts of interventions
of poverty, partnership, governance PPP, CSR etc)
l Peoples University by 2010.
l Innovations in the field of integrated water resource
management (IWRM ) and equity of Water WATSAN
programme.
l BISWA Micro enterprise Institute.
l Conceptualization of the collaborative Research for BISWA
with corporate, government and development agencies
and come out with hig quality and world standard thematic
research findings to influence public policy.
l Strategic linkage of BISWA progarammes with others and
play as catalyst NGO.
l To provide highest standards of academic perspectives
to BISWA interventions.
l To organize of thematic trainings and conferences and
seminars.
l Fundraising for innovative projects of BISWA.
l Consultancy services to other agencies and government.
Collaboration with universities and research institutions and
promotions of internships. BISWA Innovation AWARD (annual)
to high quality innovations by individuals and institutions.
Partnership meet for working together
 Section

4
in 2007-2008
Achievements
55

annual report 2007-08

 BISWA
Achievements
Application of ICT
In 2007-2008 BISWA could be the proud owner and user of a
state-of-art information communication technology and
computer system with following softwares in its operation.
Hardwares
1. Cisco Networking equipment (Cisco A8A5500 series)
2. VPN Appliance
3. Gate Protection Appliance
4. IBM System & Server
5. IBM Storage & Back-up device
6. Cisco Router & 2mbps leased line
7. IBM H-Series Blade System
Softwares
1. Windows Server 2003 sp2 (64 bit)
2. Share Point Portal 3
3. Trend Micro Client / Server Security v3.6b
(Antivirus, 350 licenses)
4. Office Applications
5. Tally 9.2 Server Edition
6. Remote Access and Chat Applications
7. Backup Applications
56
8. FTP Application in
9. mFiva2008 (by Ochre Technology)
Thus to operationalise the vision and mission of the organisation,
annual report 2007-08
BISWA leaped in to hi tech hardware installations with dynamic
electronic network system for reporting, data entry, daily updating
on the progress in both micro-finance and development activities
in different districts of different states including Orissa. At present
300 desktops and laptops are operational in BISWA operational
region. More than 60 printers including 5 heavy duty printers, 25
dedicated scanners, 10 of Fax machines, dedicated photo copier
machines are available day and night for the professionals and
technicians of BISWA. For the capacity building of the staff
members on use of these machines BISWA has undertaken several
in house ICT programmes where more than 800 trainee days are
devoted during the year for 129 staff members those who are
directly dealing with different dedicated softwares exclusively
Bharat Integrated Social Welfare Agency
serving micro finance activities. BISWA head office at Danipali could
be successfully networked with Cisco Wireless (Wi-Fi) system.
20 nos of Cisco AIR wireless Access point are presently available
in BISWA office. Looking at the enormity and importance of BISWA
operation necessary several protection measures and easy data
inflow approaches with modern soft and hardware are utilised. More
than 500 Tata indicom phones are exclusively used by staff in
different locations in Orissa and other states where BISWA has
operational presence. In addition to above facility all the senior
leaders of BISWA have the access to telephone and net services
from different companies and BSNL.
The out come of the computer networking has been multifaceted.
System Department of BISWA could manage to update the data
base of mF activities and completed the entire data punching for
all the districts.
Advantages
After successful installation of electronic network system
following changes in the progress of BISWA activities.
l Accurate Interest calculation & support to DCs on 100 %
recovery of loans.
l Obtaining of all the MIS reports in easy process & in time.
l Easy flow of information from different centers & points.
l Accuracy in data analysis by using effective software tools
l Regular follow up & data supplement to Organizers/ Area
coordinators/ ADC/DC & Research unit & others.
Obtaining detail data about SHG (Coverage of GP, Block,
l
village, District, State)
l Loan Sanction (Date wise, Month wise, Cumulative)
l Loan Disbursement (Date wise, Month wise, Cumulative)
l Loan Recovery (Date wise, Month wise, Cumulative)
l Interest calculation 100% accurate and day wise.
l List of over dues with ageing analysis so that we can easily
trace out Hardcore Groups.
l Demand statement we get day-wise, Month-wise demand
for appropriate follow up
l Organizational value, visibility across nation increased
BISWA in other States
BISWA has been working in states in addition to Orissa. Our activity
profiles in these states are given below:
Jharkhand
BISWA started its independent operations in Jharkhand from
January 2008. Earlier to this, we were working in the state through
BISWA network NGO partners. The operations are well co-
ordinated through the state office in Ranchi and a nodal office in
Chas Bokaro. The operations have begun with innovative
programme interventions including financial inclusion and
integrated development of the area.
Technology driven: Banking at your doorstep
BISWA is working as the Business Correspondent for the Financial
Inclusion Project as partners to Punjab National Bank (PNB) and
HCL Info Systems Limited in Tamar Block, Ranchi District. The
project aims at providing banking services at the doorstep of rural
people by using frontier technological interventions. Banking is
facilitated through online application form registration, identification
through thumb impression using the biometrics machine and issue
of smart cards for bank transaction.
During the first Community Mobilisation gathering in Parasi village,
out of the 200 villagers only two had seen a bank and one had a
bank account. This was a striking revelation. The 20 villages have
been selected for piloting the technology with Parasi as the main
nodal village. The identified cluster of villages is 65 kms away from
Ranchi city. The rural people earn on a daily basis and save tiny
amounts and find no mechanism to save the money. In order to
make bank deposits, they lack the confidence to approach the
bank officials or make expenses to reach the bank branch.
Application of technology at BISWA
In this project, BISWA facilitates community mobilization,
awareness on banking, account opening and transactions. At
present, BISWA has opened ~2,500 bank accounts of the people
from the 20 villages of Tamar Block. The end goal is to increase
the saving capacity of the people and empower the rural poor with
economic independence.
Integrated Development in Bokaro and Latehar
In the villages of Bokaro and Latehar, BISWA is working on an
integrated development project. The first phase of programme
implementation has involved initiative on socio economic study.
Information from the socio economic study will form the benchmark
for proposing developmental programmes and making a
comparative study after the completion of the programme. In the
22 villages of Bokaro, BISWA has completed village profile with
details regarding the demographics, land, water resources and
economic standards.
Community Mobilisation
Before initiating the developmental programmes, a number of
community mobilization meetings were conducted. The strategy
for community mobilization has included mass meetings, group
discussions and individual interactions for rapport building. As part
of the ‘Introductory Campaign’, BISWA has prepared the
Information Education Communication (IEC) materials in Hindi as
well as English which are distributed for the benefit of the people.
The process will involve Participatory Rural Appraisal (PRA) and
Household level data collection. The objective of this extensive
intervention will be to teach the rural people the nitty-gritty of
57
financial management for better standards of living and finding
newer opportunities for income augmentation.
annual report 2007-08
SHG empowerment in other states
 BISWA Bharat Integrated Social Welfare Agency
Chhattishgarh
With a vision of creating a sound socio-economic development
model, BISWA extended its network neighboring 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 in this state.
With following objectives BISWA works to :
l Create maximum job opportunities with special attention to
women, youth and artisans
l Enhance the social status of women
l Ensure healthful living standards in rural and slum habitats
l Ensure a friendly environment
Chhatishgarh Sanitation Programme Details
Name of the program Activity
ILCS Construction of Individual
Low Cost Sanitation
Swacha Chatishgarh Construction of individual
Abhijan Project Souchalaya
Maintaince of Souchalaya & Maintaince 37 nos. of BISWA
Bathe Complexes Bikalpa Souchalaya
Key Resource Center on TSC Orientation to the block
Chatishgarh as well as PRI members.
Providing Mason Training
Integrated development: To promote income-producing activities
58 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 overall development of
annual report 2007-08
‘Kamara’ is the target of BISWA at present.
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, Saraiplai and Pithora blocks
Mahasamund district have been receiving support for their micro-
enterprise activities on technical and financial aspects.
BISWA activities in Chattisgarh reflect these objectives. The
activities have received much attention and approval in the state.
Activities - BISWA has already established an NGO network there.
BISWA has implemented the following programmes in the state
since its interventions begun in 2005:
Promotion of Self Help Groups: By the end of February 2007,
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 Donapatta
making, plastic moulding and petticoat making have been
undertaken in this district.
Operational Areas Progress
Raiput Nagar Nigam 337 nos. toilets
Birgaon Nigam Sakti 150 nos. toilets
in progress
Ambikapur Nagar Nigam 100 nos.
Durg Nagar Nigam 60 nos.
Dhamtai district 37 nos. units
Champa & Shakti District
Achievements
In the last 12 months, BISWA, Chhattisgarh could build up 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, Chhattisgarh 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.
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 economy of the State
to come out of the prevailing poverty condition. BISWA dreams
of seeing everybody in the State without fear of hunger, illness
and illiteracy.
 5
Section

59

annual report 2007-08

Events,Visitors
& Partners
 annual report 2007-08

60
Major Events of the Year: 2007-08

CAPACITY BUILDING
A. TRAINING & WORKSHOPS
S.N Date Events Venue Resource Persons Target Group Objective of the Programme

1. 07.03.2007 to Orientation Dhenkanal & Mr. Gouranga Charan Dash, Presence of Self A committee was formed during this meeting
08.03.2007 programme on village Barabati District Co-ordinator, Help Group members, to raise awareness about the relationship
Water & Sanitation Bhapur block of Gram Vikas PRI members and between health, water & sanitation among
Nayagarh district ANMs. the poor villagers
BISWA

2. 25.03.2007 Awareness camp Sambalpur Mr. A.K. Bir, President,
at Naktideul Bar Association, Rairakhol,
Mr. G.C. Tripathy, District
Judge, Sambalpur was the
Hon’ble Chief Guest of the
programme, Mr. R.C. Chinara,
Chief Judicial Magistrate,
Sambalpur, Mr. M.K. Mishra,
Judicial members Speaking on the aim and objectives of the
around 400 women programme the RPs mentioned that law is a
members from 40 source through which one can get profit. Law
Self Help Groups is essential for social security. Law is no more
attended the camp the property of rich people; now it is very
liberal & free for poor women, mentally
challenged & children. The procedure of
applying in the court & appeal was a part of
Bharat Integrated Social Welfare Agency

Secretary, DLSA, Mr. Ignes the discussion, which is considered very

Lakra, Revenue Officer, essential for generating mass awareness.
Rairakhol and Mr. A.K. Shroff For quick and effective redressal the
participants were advised by the RPs to follow
the following 4 points
* To know their rights
* To know their legal rights.
* To be conscious and make others aware of
these rights.
* To achieve their rights.
S.N Date Events Venue Resource Persons Target Group Objective of the Programme

3. 29.03.2007 Workshop on sharing Sambalpur Programme graced by: Senior Citizens Many of them with no support whatsoever
Senior Citizen’s Mr. Dhaneswar Pati, and there are nearly 200000 centenarians
Wisdom and Retd. IG, Dhanupali, in India. With this backdrop idea a group of
Experiences Mr. Binod Bihari Tripathy, energetic people so called senior citizens of
Retd. Deputy Registrar, Sambalpur assembled in the workshop for
Sambalpur University, sharing their wisdom and experience. 90%
Dr. Ram Naryan Nanda, of older persons are from the unorganized
Retd. Director Health sector, with no special security, at the age of
Services, Govt. of Orissa 60, 30% of older persons live under the BPL
Mr. Bijaya Agrawal, and another 33% just marginally over it, 80%
Businessman, literate in rural areas and 73% are illiterate
Dr. Narayani Panda,
Mr. Giridhari Lal Kedia,
Businessman and President
Chamber of Commerce,
Sambalpur, Mr. Gopa
Ranjan Dubey, Chairman
CWC and Retd. Deputy
Secretary, Govt. of Orissa,
Mr. Subodh Chandra Pujari,
Retd. Banker and
Mr. Gopinath Mishra, President
Bharat Vikas Parisad,
State Branch
Dr. Swasat Chandra Pujari
4. 07.04.07 Mahila Paribarik Sambalpur Mr. K.C. Malick, Chairman, About 64 cases were brought to the Adalat
Lok Adalat Honorable Justice out of which 6 cases were settled with mutual
Shri I.M. Quddusi, understanding from both the parties (2 cases
Sri R.C. Chinara, agreed to live together hereafter, 3 were
Chief Judicial Magistrate, settled on compensation and 1 criminal case
Sambalpur settled on mutual agreement).
Interacting with the representatives of BISWA,
the Chairman of State Legal Services Authority
showed his interest in future collaboration
with such a committed team of BISWA in other
districts.
61

annual report 2007-08

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62
S.N Date Events Venue Resource Persons Target Group Objective of the Programme

5. 24.04.2007 Workshop on Solid U.G.M.E. School, Dr. Abanti Pradhan, Women SHG members A small drama on the benefits of using dustbins
Waste Management Gopalmal, Research Officer, and Teachers of the was staged by the employees of BISWA. At the
Sambalpur Mr. Lingaraj Dash, School end of the workshop dustbins were distributed
Planning Manager, Water & among the women SHG members and the
Sanitation & Mr. Mihir Nath, teachers. BISWA also promised to provide
District Co-ordinator dustbins in all the classrooms and in the office
of the school.

6. 26.04.07 Workshop on Safe Parposhi village PRI Members & NGOs The dangers of Childbearing can be greatly
Motherhood of Tileibani Block reduced if a woman is healthy and well
in Deogarh district nourished before becoming pregnant. If she
has a health check-up by a trained health worker
BISWA

at least four times during every pregnancy and

if the birth is assisted by a skilled birth attendant
such as a doctor, nurse or midwife then the cases
of death during pregnancy can be brought under
control. Resource persons contributed in the
programme Mr. G.C. Kerketta, BDO, Tileibani
Block; Mr. R.K. Nayak, DIPRO, Deogarh;
Dr. Diptibala Pattnaik, Ex-Joint Director (Health)
& Consultant to BISWA; Dr. K.C. Pradhan,
Bharat Integrated Social Welfare Agency

Medical Officer, Laimura, PHC; Mr. Pravir

Pradhan, Regional Co-ordinator, NYK;
Mr. Ajoy Shroff, Documentation Officer, BISWA;
Lady Sarpanch, Parposhi and Mr. C.S. Pradhan,
DC, BISWA (Deogarh).

7. 10.08.07 Workshop on Mahila Village Barmaunda, Mr. Uma Shankar Chaturbedi
Shanti Sena Sambalpur & Mr. Sneha Kumar,
Shram Bharati and
Mr. Bhanu Prasad Panigrahi,
Ms. Rita Parida,
Ms. Meena Behera from
Unnayan, Orissa
Mahila Shanti Sena * To establish peace
Members * To empower Panchayati Raj through active
participation of MSS members.
* To make the women self reliant.
* To spread the MSS program through out the
State.
S.N Date Events Venue Resource Persons Target Group Objective of the Programme

8. 21.08.07 Workshop on Health Details of the working problems in such homes

Issues of Women and inadequacies to manage such homes
Residents of within the prescribed financial support and
SWADHAR Home paraphernalia by the Human Resource
Development Department in Govt. of India

9. 03.09.07 Training of Trainers Sambalpur Mr. K.C. Mallick and The SHG members, * 150 community meetings will be organized in
on Iodized Salt Mr. Sanjib Purohit Federation members, 150 villages
Trade-cum- on behalf of BISWA Area Co-ordinators and * Sharing of information with the community.
Awareness and Mr. Amlin Pattnaik District Co-ordinators * At village levels we have to share how to use
Programme from UNICEF iodized salt, how to test the iodine content &
how it is useful in the life of the people.
* Quarterly interaction with 5 major salt traders
of the district to motivate them to trade
adequately on Iodized salt.
* In all the 150 selected villages of Sambalpur
district salt tested will be done through Test kits.
* Integration of IDO examination messages will
be shared in all SHG federation meetings every
month in 970 villages of Sambalpur district.

10. 09.09.07 Awareness campaign Khilei village of Mr. S.C. Pradhan, District The SHG members To install street wise tube well fitted with motors
on Water & Sanitation Deogarh district Coordinator, BISWA-Deogarh, for supply of water to every household. The
Mr. Lingaraj Dash, Manager- villagers ensured to extend their cooperation to
Water & Sanitation and make the sanitation program a success.
Mr. Badri Narayan Pati,
Asst. Manager-Water and
Sanitation of BISWA

11. 14.11.07 VSO India Sambalpur Mr. V. Mishra, Programme
Manager-Disability and
Mr. M. Rao, Programme
Manager-Administration on
behalf of VSO conducted the
discussion. Mr. Kenneth Snow,
Volunteer-BISWA, Ms. Joyce
Felongeo, Volunteer-Ekta
63
26 NGO from To create awareness towards NREGS & RTI and
Jharkhand, inspire the NGO’s to conduct public awareness
Chhattisgarh and programmes in their respective areas of operation
Orissa It also had some space to find possibilities for
involvement of disables in the programmes
being organized by the Govt. agencies.

annual report 2007-08

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64
S.N Date Events Venue Resource Persons Target Group Objective of the Programme

12. 08.12.2007 Workshop on Jujumura Block, Dr. Usharani Mishra, SHG women and The importance of cleanliness for pregnant
Health Issues Sambalpur on behalf of BISWA Federation leaders women during delivery and vaccination
Sri Surya Narayan Mahapatra,
RCH Project Coordinator and
Sri Hansdhwaj Gardia
13. 09.01.08 Awareness Meeting on Jharbeda & Ninhia Sri Ramesh Chandra Pradhan, SHG women and Hundreds of women are benefited by this
Water and Sanitation of Turumunga District Coordinator of BISWA Federation leaders programme
Panchayat, in Keonjhar, Sri Dukhabandhu
Sambalpur Dehury, Sri Niranjan Dehury,
Coordinator, Nagarjun Mahakud,
Sri Hrushikesh Singh,
BISWA

Sri Laxmidhar Panda and

Sri Agasti Singh
14. 06.02.08 1st Workshop on Sambalpur Chief Guest Dr. Chapala Mishra, Staff members of Various aspects and related beliefs concerning
“Pre-marital HoD-Psychology, G.M. College, BISWA sex; Marriage: “Self & Family-Biological &
Counseling” Sambalpur Psychological needs, Concept of marriage
especially in the Indian context and “High Risk
Behaviour and its impact on STD/HIV/AIDS”
were the major highlights of the workshop.
15. 13.02.08 2nd Workshop on Sambalpur Sri Sribatsa Das, Vice- - do - Various aspects and related beliefs concerning
Bharat Integrated Social Welfare Agency

“Pre Marital Principal, G.M. College, sex; Marriage: “Self & Family-Biological &
Counseling” Dr. Chapala Mishra, Psychological needs, Concept of marriage
HoD-Psychology, especially in the Indian context and “High Risk
G.M. College, Sambalpur Behaviour and its impact on STD/HIV/AIDS”
were the major highlights of the workshop.
16. 20.02.2008 3rd Workshop on Govt. Women’s Dr. Pattanaik, - do - Various aspects and related beliefs concerning
“Pre Marital College, Dr. Shashank Sekhar Nanda, sex; Marriage: “Self & Family-Biological &
Counseling” Sambalpur Principal of this college. Psychological needs, Concept of marriage
Dr. Tulsi Acharya, Deptt. of especially in the Indian context and “High Risk
Anthropology, Dr. Chapala Behaviour and its impact on STD/HIV/AIDS”
Mishra, Head of the Deptt. of were the major highlights of the workshop.
Psychology in G.M. College,
Sambalpur
S.N Date Events Venue Resource Persons Target Group Objective of the Programme

17. 23.01.08 Legends Sambalpur Sri Bhawani Shankar Mishra, BISWA staff members, The world would be a better place if people
Remembered Manager-Health, Sri Ajoy SHG women and followed the path of Netaji Bose and
Shroff, Manager-Insurance, Federation leaders Surendra Sai.
Dr. Jharana Mishra, Manager- Organised and managed by Ms. Manata
Research & Documentation Sahoo, Manager-Federation, Smt. Kalyani
Das, Asst. Manager-Micro Finance,
Smt. Bani Mahapatra, Help Line Operator and
Sri Alok Nayak, Asst. Manager, Human Resource
spoke on this day. Sri Shiv Prasad Meher,
Manager-Public Relations

18. Several Design & Technical Rengali & Jhankar Mr. Arun Das, Mr. Jayant Swain Artisans in focus These workshops were aiming at up-gradation
Development Workshop Bahali of Sambalpur and Professionals from NABARD villages artisan’s skill through appropriate Design &
and other management bodies Technology Intervention so as to enable them
in Orissa to use quality raw material, tools and equipment
to produce value-added items

Childrens’ day celebration International women day celebration

65

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 annual report 2007-08

66
B. IN-HOUSE TRAINING

S.N Date Events Venue Resource Persons Target Group Remarks

1. 24.05.2007 AGP Organizers Sambalpur In house trainers Members of western For a social worker SOCIETY should be the
Training in BISWA Orissa, Various NGOs FIRST preference followed by his/her family
and in the last himself or herself and the
organizers are the pillars of real development
in the villages. Programme organized, managed
and moderation made by: Mr. J. Majhi,
Mr. Bhawani Shankar Mishra, Dr. Jharana
Mishra, Ms. Sunita Padhi, Ms. Bani Mohapatra,
BISWA

Ms. Pranati Bag and Mr. Ajoy Shroff.

2. 25.07.07 FVTRS Training Sambalpur Ms. Rupal Panchal and 50 FVTRS partner It was meant to find out a way to monitor the
Mr. J.D. Kennedy, Consultants members from projects run by FVTRS
to FVTRS four states

3. 31.07.2007 3rd TATA AIG Sambalpur Mr. Bhagbat Barik Bargarh and Deogarh The training methodology, various schemes,
Training districts participated in savings, insurance, Micro-Insurance and its
this training and 32 out importance for the SHG members. Group
of them were lady discussions and questionnaire activities were
Bharat Integrated Social Welfare Agency

participants. the major tools for interaction with the

participants

4. 15.11.07 5th TATA AIG Sambalpur Mr. Bhagbat Barik Bargarh districts The programme spoke extensively on Savings,
MISP Training participated in this Insurance, Micro Insurance, its importance for
training the SHG members in particular.
Training and Exposures outside BISWA office

1. 27.03.2007 Training on Record Balipatna Block of Mr. Manoj Mohapatra, Grass root level SHG Raised various issues relating SHG formation,
Keeping Khurda district D.C, Khurda, Mr. Manas membeers group dynamics, taking up of economic
Ranjan Mohanty, A.C., activities and record keeping of SHGs on
Khurda Micro-Credit and Micro-Enterprise, which were
explained by the RPs comprehensively
S.N Date Events Venue Resource Persons Target Group Remarks

2. 22.11.07 Capacity Building Bargarh Mr. K.C. Malick, Chairman of Federation Members In the programme role of federation and various
Training Programmes BISWA along with Mr. A.K. service provisions by federation was extensively
for Federations Sahoo and Ms. Mamata Sahoo explained by the RPs attended. A team of Oriental
Insurance Company was also interacted with the
participants to provide knowledge on insurance.
3. 26.11.07 Capacity Building Deogarh Mr. K.C. Malick, Chairman of - do - In the programme role of federation and various
Training Programmes BISWA along with Mr. A.K. Sahoo service provisions by federation was extensively
for Federations and Ms. Mamata Sahoo explained by the RPs attended. A team of Oriental
Insurance Company was also interacted with the
participants to provide knowledge on insurance.

4. 28.11.07 Capacity Building Sonepur Mr. K.C. Malick, Chairman of - do - In the programme role of federation and various
Training Programmes BISWA along with Mr. A.K. Sahoo service provisions by federation was extensively
for Federations and Ms. Mamata Sahoo explained by the RPs attended. A team of Oriental
Insurance company was also interacted with the
participantsn to provide knowledge on insurance.

5. 14.12.07 SHG Leadership Malkangiri Sri P.Sethi, AGM, NABARD SHG members Gave training to the SHG members and group
Training Ms. Tapaswini Singh, District leaders about the functioning of group and how
Coordinator to maintain the group and the steps taken to
develop the financial condition of the group.

6. 24.03.07 Training program of Deogarh district Mr. B.K. Dash, AGM, NABARD, SHG members On leaf-cup plate and candle making to create
SHG members Mr. Jayanta Swain, Planning trainers for self motivation in future at Barkot
Manager, Ms. C.S. Pradhan, block of Deogarh district.
District coordinator

7. 05.05.07 SJSY Training Kalyan Mandap of Smt. Basanti Haripal, Trainer SHG members Providing skills to the participants for better
programme Hirakud NAC on Food Preservation, productivity and to help them in making small
Mr. Arun Malick, Trainer on enterprises for their upliftment & economic
Candle Making and Smt. empowerment. The prime objective of the
Purnima Maheswari, Trainer training was to improve the economic status of
on Agarbati Making poor women Occasion was graced by:
Mr. Chintamani Sahu, Executive officer of
Hirakud NAC, Ms. Tapaswini Bag, Cairman of
Hirakud-NAC, Ms. Lily Kathai and Ms. Gitanjali
Padihari, the guests of honors. Mr. Lingaraj
Dash, Asst. Planning Manager (Water &
Sanitation) & Mr. Niranjan Dora
67

annual report 2007-08

 BISWA Bharat Integrated Social Welfare Agency

Major Days celebrated at BISWA offices in Sambalpur and other districts

S.N. Date Events Place

1. 7 April 07
th
World Health Day Sambalpur
2. 29 April 2007
th
Road safety week Sambalpur
3. 5 June 2007
th
World Environment Day Sambalpur
4. 14 June 2007
th
International voluntary Blood Donors Day Many Districts of Orissa
5. 6 January 2007
th
Annual day function of BISWA Sambalpur
6. 1 August 2007
st
World breast feeding week Many Districts of Orissa
7. 26 Jan 2007
th
58 Republic Day
th
Sambalpur
8. 1 December 2007
st
World AID’s Day Sambalpur
9. 10th December 2007 59th World Human Rights Day Sambalpur

Important Visitors to BISWA

CGAP visit to BISWA

Ms. Kathrine Mackee, Senior Advisor to World Bank on Policy,
Poverty, Outreach & Aid Effectiveness and as a member of
Consultative Group to Assist the Poor (CGAP) visited BISWA office
on 12th May 2007. She spent the entire day in BISWA and discussed
with the Management and other Office Staffs during this visit. The
purpose of her visit was to understand the livelihood interventions
by the MFIs. Mr. Prabhat Labh, Fund Manager, South Asia Tsunami
Microfinance Investment Fund, CARE India was also accompanied
with Ms. Mackee.
Visitors from ABN AMRO Foundation
68 Ms. Aletta Dominique Jansen, Member from Holland, ABN AMRO
Foundation came for a visit to BISWA on 7th July 2007 and stayed
here till 14th July 2007. Mr. N. Sunil Kumar, Head of ABN AMRO
Foundation, Mumbai joined her on 10th and 11th July 2007. During
annual report 2007-08
Kolkata; Mr. R. Sridhar, Manager-Product Design and Training,
TATA AIG from Mumbai and Mr. P. Giridhar, AVP-TATA AIG,
Bangalore. Mr. Pradeep Mohanty, Asst. Manager-TATA AIG,
Bhubanswar joined them later.
On 17th July 2007 Mr. Giridhar and Mr. Banerjee visited Matikhai.
On the 18th Mr. R. Sridhar joined them. All of them went to Kuchinda
on 18th. They discussed with the SHG members in their meeting.
On the 19th July; they went to Rairakhol. As it was raining; the
meeting was organized at BISWA Office there. They visited
Community Health Centre-I at Charmal and Sub-Divisional Hospital
at Rairakhol. They interacted with the doctors and went around
the hospitals.
On the 20th July 2007, they went to the Primary Health Center
(PHC) at Themra and Padiabahal. They went around Themra PHC
accompanied by a hospital staff. In Padiabahal they discussed

the visit they went to see the works of BISWA in rural areas. They
went to Hathibari Health Home, Rengali, Laxmipriya, Waste Plastic
Unit, Baduapali, Dhankauda, Katapali and Chouldipo Para. A small
introductory meeting was organized in the Head Office during their
visit.
TATA AIG Officials Field Visit
TATA AIG is going to be a very important partner of BISWA so far
as Micro Insurance is concerned. In order to have a first hand
experience of the health scenario in BISWA operational areas, a
group of high-level TATA AIG officials visited BISWA. The members
of the team were: Mr. Abhijit Banerjee, Manager, TATA AIG from
with the in-charge doctor. Subsequently, they visited the District
Headquarters Hospital of Sambalpur and VSS Medical College &
Hospital at Burla.
In the villages, members of the SHGs, federation members, office-
bearers, concerned Area Coordinators and Organizers were
present in the meeting. Mr. Ajoy Shroff, Manager-Insurance, BISWA
accompanied them throughout the visit. Their main objective was
to know the difficulties faced by the people in availing medical
facilities while suffering from diseases. Members told them about
the main diseases of their areas, transportation facilities,
infrastructure like PHC, CHC, Hospitals, Nursing Homes, availability
of medicines, pathological tests etc.
They were aware of the problems faced by them for attending
critical diseases like Cancer, heart attack, kidney failure, gull bladder
stone etc. Everywhere the members drew their attention about the
2 major problems: worst infrastructure & poor transport facilities.
Transportation accounts for the majority of their medical expenses.
In these meetings, Mr. Ajoy Shroff moderated and facilitated the
discussion.
On the same evening; all of them visited TATA AIG Section of the
Insurance Department at BISWA Head Office. They visited the office
and discussed with the staff members. On the 20th afternoon, they
were introduced to the BISWA Head Office staff in the special
meeting convened by Mr. K. C. Malick, Chairman BISWA at BTI
Conference Hall. Mr. Giridhar spoke about the aim of their visit.
Mr. Sridhar deliberated on the suitable health product. Mr. Malick
told that this is the beginning of the strong relationship between
TATA AIG and BISWA. Saying that the foundation stone has been
laid; he invited suggestions from the staff members regarding the
health product to be designed by TATA AIG for BISWA. Mr. S.P
Meher and Mr. B.S Mishra ststed their opinions. Mr. Malick stated
his concern and views also. The broad consensus that emerged
was that the product should be of an affordable premium clubbed
with reimbursement facility also. Transport cost, awareness
campaign to prevent diseases, awareness of clients on insurance
became an integral part of the health product. Trainings planned
as per the need of interested SHG members in the villages as
trainers who in turn will educate the villagers on the basis of primary
health care and needs so that the customer patient gets immediate
relief before being shifted to the nearby hospital for further
treatment.
The visiting TATA AIG officials left BISWA on the 21st July, 2007.
On the whole it was a fruitful visit. They were optimistic of a great
joint venture and a widely acceptable Health Product.
Visitors to Ambabhona
Mr. Abhijit Banerjee, Mananger, TATA AIG, Eastern Zone visited
Bargarh District Office on the 12th of July 2007. He had a detailed
discussion with Mr. Sujit Behera, District Manager – Bargarh.
Then he went to Ambabhona to oversee the Federation meeting
of BSHF-1 i.e. BISWA Self Help Federation. Bargarh has 26 nos.
of such federations. Ambabhona Block consists of 3 federations
and has 33 SHGs. 60 members were present in the meeting. Mr.
Banarjee asked the members as to what changes have been
observed in the last 1 year? Responding to this, Smt. Surya told
that they feel empowered. Awareness has been created among
them. They have realized the importance of a team and team work.
They are determined to pursue education of the girl child. Mr.
Banerjee further asked that as to who takes the decision in choosing
the particular micro-enterprise. In response to this one member
told that this is a collective decision taken in the group meeting
after detailed discussion.
Other group members asked for quick disbursement of the loan
within this month in view of the agricultural season. Mr. Sujit Behera
spoke on the importance of Federation and told that they should
try to become self-dependent. Mr. Ajoy Shroff advised them to be
vigilant and realize their inner potential. He apprised them of the
TATA AIG Insurance scheme briefly.
BBC Film ShootingTeam visit to BISWA
BISWA sent a case study to BBC, London, on a teen-age mother
who had lost her first child due to early pregnancy and gave birth
to her second child successfully in an institution. This was only
case study selected from Orissa for filming. On 26th August 2007
a documentary film making team comprising of two members
namely Mr. Ben Summers, Director of the film and Mr. Apal Singh,
Cameraman came to BISWA, Sambalpur to shoot the film on that
mother and on her second child. They stayed at Sambalpur for 3-
days i.e. from 26th to 29th August 2007. They highly appreciated
the kind of support they received from the team of BISWA and also
from the side of the respondent, her family members and the
community. On this occasion they also conducted an interview with
Mr. K. C. Malick, Chairman, BISWA for his contribution towards
women empowerment in this region of Orissa.
Kapil Kaul’s visit to BISWA
69
Mr.Kapil Kaul, Country Head of Helpage India paid a visit to BISWA
for two days, on 30th & 31st of October 2007 along with Prof. (Dr.)
Bhagaban Prakash, Advisor to BISWA. They came from New Delhi &
were received at Biju Pttanaik Air port, Bhubaneswar by Prafulla Dhal
annual report 2007-08
on behalf of BISWA. The two-day visit of the guests was coordinated
by Mr. S. P. Meher, Public Relation Manager. Mr. Mihir Nath, Dist.
Coordinator, Sambalpur organized their visit to village Kuturajuri in
Maneswar block, where at they met office bearers and members of
BISWA SHGs. They interacted with them and tried to know the details
of how SHGs of BISWA are functioning at grass root level. The same
day they visited village Bausenmura and looked over of Vita Goat
Project, being established there.
In the afternoon they visited central office complex of BISWA and
observed the operational process of the organization. In the evening
 BISWA Bharat Integrated Social Welfare Agency
they visited Dhanakauda federation office of BISWA. There they
interacted with the federation office bearers and gathered information
on how federation, formed by BISWA, are functioning.
Next day in the morning they visited Hatibari Health Home and took
notes of its various operationalized projects. The same forenoon they
made a visit to common facilities centre at Rengali to look into its
production system and discussed with artisans present there. In the
afternoon they attended the staff meeting of BISWA at the conference
hall of BTI. Mr. K. C. Malick, Chairman, BISWA appraised them
about various aspects of the organization and operation system.
Both the guests, Mr. Kaul & Dr. Prakash expressed their utmost
satisfaction over the formation and functioning of BISWA.
Mr. Kajetan Hetzer visits BISWA
Mr. Kajetan Hetzer, Chief of Waterfund, SNS bank, Netherland
came on a visit to BISWA office on 6th November 2007 along with
Mr. Pradip Mohanty of Tata AIG. A meeting was organized at BISWA
Training Hall on that occasion. The meeting was presided over by
Mr. K. C. Malick, Chairman, BISWA. Mr. S. P. Meher, Public
Relations Manager delivered the welcome speech. Mr. Lingaraj
Das, Project Manager-Water & Sanitation was also present in the
meeting. Then Mr. Kajetan visited West Zone office of BISWA,
Takaba and Bausenmura villages of Maneswar block in Sambalpur
District .The objective of the visit was to look over the water and
sanitation programme implemented by BISWA in different areas.
ANaRDe Foundation visits BISWA
A discussion took place between BISWA Chairperson and
delegates from ANaRDe Foundation at BISWA zonal office (east)
Bhubaneswar on 14th November 2007. Mr. Jitendra Routray, Dr.
70 Alam and Mr. Dillip participated in the discussion on behalf of
ANaRDe Foundation and discussed with Mr. K. C. Malick, Chairman
and Mr. A. Mahapatra, Manager-mF of BISWA. The discussion
was focused on common understanding between BISWA and
annual report 2007-08
ANaRDe Foundation so as to define the areas of intervention, plan
of action, geographic coverage, design and other aspects of the
interventions proposed.
The previous day the delegates of ANaRDe Foundation visited
Central office of BISWA, Sambalpur. A meeting was organized in
BISWA Training Hall which presided over by Mr. S. P. Meher, Public
Relations Manager. The delegates were welcomed by the staff
members. They also interacted with the staffs. Later they made a
field visit. The visit was coordinated by Mr. A. Mahapatra, Manager-
mF and Mr. Arun Das, Project Manager. They visited Common
Service Centre for Brass and Bell Metal artisans at Ganesh Nagar,
Rengali and interacted with Governing Body members of BISWA
Self Help Federation, Dhankauda block. They also visited Hatibari
Health Home and looked over the socio-economic rehabilitation of
leprosy cured persons there.
The delegates were made to understand the process of functions,
internal control system, the convergence mechanism of different
programmes and departments with BISWA’s attempt to fulfill the
mission of creating one million job opportunities in Orissa by the
end of March 2010.
BoI Officials visit BISWA
Sri Ganesh Prasad Mahapatra, a Senior Official from Bank of India
(BoI), Bombay Office paid a visit to BISWA along with Sri. J. K.
Sahu, Branch Manager, Bank of India Sambalpur on 24th November
2007. There first visit was to Hatibari Health Home and interaction
with the inmates to know their life style. Then they went to see
BISWA Environment friendly Waste Plastic Recycle Unit, Durgapali.
There they interacted with the office bearers of BISWA. The visit
of guests was coordinated by Sri S. P. Meher, Manager-Public
Relation. Interaction with the Central Office staffs was facilitated
in a meeting organized at the BISWA Training Institute. There
satisfaction was quite visible. They expressed their satisfaction.
SMS visits BISWA
Seema Mahila Samity (SMS), a premier Micro Finance Institute
from West Bengal paid an exposure visit to BISWA. Their stay was
pre-designed for 3days, from 25th to 27th November 2007. SMS
was a partner in the CASHE project of CARE India in West Bengal.
During their very short stay in the BISWA Training Institute, they
visited the Dhanakauda Self Help Federations and interacted with
office staffs in micro-Finance (mF) section to understand the basics
of BISWA model of micro finance. The visitors were apprised of
the mF operation of BISWA by staff from section related to mF.
They interacted with Sri A. K. Shroff, Manager-Insurance and learnt
about the various Insurance Schemes of BISWA.
Visit of District Collector to SWADHAR
On 12th December 2007 Mr. Pradeep Patnaik, Collector and District
Magistrate of Sambalpur visited BISWA. The main purpose of visit
was inspection of the SWADHAR Home run by BISWA. He was
accompanied by Mr. Joy George, Secretary-Red Cross and Smt.
Matilda Dungdung, District Social Welfare Officer in Sambalpur.
The Collector visited SWADHAR HOME and interacted with some
concerned staff members of the home. He inquired about the
sanctioned strength and number of residents staying with their
children. He saw the rooms and discuss about the facilities and
functioning of the home. He highly appraised the activities
undertaken by BISWA.
The DSWO also made interaction with the residents and inquired
about some cases. She also met mentally challenged women and
advised to continue their medicine till complete recovery.
NRI visited BISWA
Sri Priyadarshan Patra, NRI, USA, paid his visit to BISWA on 17th
December 2007. On this occasion a meeting was organized at
BISWA Training Institute. Sri Pradip Pradhan, Secretary and Sri
Tapan Mahapatra from ODMM along with Sri Sushant Mahapatra,
from M.S. Swaminathan Research Foundation were also present
there. The meeting was chaired by Sri K. C. Malick, Chairman,
BISWA. Sri S. P. Meher, Manager-Public Relation welcomed the
guests at the outset. The guests interacted with the staffs of BISWA
Head Office. Sri Malick appraised them about various aspects of
the organization and operational system. In the afternoon Sri Patra
paid a field visit to various places and took stock of the situation.
He visited Nandini Colony Self Help Group (SHG) No.1 & 2 along
with office of Dhankauda Federation No.1. He interacted with the
federation office bearers and gathered information on how
federations formed by BISWA are functioning. His visit was
coordinated by Ms. Mamata Sahu, Manager-Federation.
SWADHAR visited by Chairperson,
State Commission for Women
On 30th January 2008 Smt. Namita Panda, Chairperson, State
Commission for Women has visited SWADHAR HOME. She
interacted with the inmates and staff also. She suggested
discharging inmates who are not willing to continue their stay and
impart training on new trade.
NGO Exposure Visits
Ten members of an NGO, Gramin Equity India (NEED), Luknow
paid a three days exposure visit to BISWA from 17th to 19th January
2008. During their very short stay in the BISWA Training Institute,
they visited the Dhanakauda Self Help Federations and interacted
with office staffs in micro finance (mF) section to understand the
basics of BISWA model of micro finance. The visitors were
appraised about the mF operation of BISWA by staff related to mF.
They also visited SHGs of Pabpali and Sagunpali, Common Facility
Centre, Rengali, Bolaranga Grocery Shop and Vita Goat project,
Budapada Soap Unit and WHS and Hatibari Health Home.
A group of forty-five trainee participants of first Life Skill Training
Programme paid an exposure visit to BISWA Head Office on 15th
March 2008. An informal welcome meeting was held at BISWA
Training Institute. Sri Jogeswar Majhi, Manager, BISWA Training
Institute and Sri Muralidhar Sethy, Assistant Manager, Public
Relations welcomed the trainees and some of their parents. Sri
Raghunath Mishra & Dr. Diptibala Pattnaik, DART member of
Neheru Yuba Kendra, Sambalpur were present there. Sri Pranaya
Kumar Purohit, District Project Officer, Sri Pradip Kumar Biswal,
APV, Ms. Smita Maharana, APV, Dr.Pattnaik took a session on
Reproductive system of human being. Then Sri Majhi told the
visitors about the aims and objectives of BISWA and its different
activities.
Prof. Madhukar Shukla visited BISWA
Prof. (Dr.) Madhukar Shukla, XLRI, Jamsedpur visited BISWA for
assessment and evaluation as a jury for India NGO award. He
reached at BISWA Central Office in the evening of 30th January
2008. In this connection a meeting was organized at BISWA
Training Institute. He interacted with the staff and discussed about
various activities of BISWA. Next day, Sri Shukla visited Antapali
Vita Goat Project early in the morning. He looked over the detailed
operation of extracting soya milk from soyabean. There he could
see functioning of BISWA Innovative School. Then he was taken
to Matikhai and Bolaranga villages to look over functioning of
Innovative Schools there at. He discussed with field staff there.
Then he visited Hatibari Health Home and Common Facility Centre,
Rengali. He expressed his satisfaction of the visit. The total visit of
Sri Shukla was coordinated by Sri Shiv Prasad Meher, Manager,
Public Relations.
District Collector 71
Sri Pradeep Patnaik District Magistrate and .Collector, Sambalpur
paid a visit to BISWA on 12.02.08. He was accompanied by Mr.
Joy George, Honorary Secretary, Red Cross and Smt. Matilda annual report 2007-08
Dungdung, District Social Welfare Officer, Sambalpur.
He visited the SWADHAR HOME and interacted with the staffs.
He inquired about the sanctioned strength and number of residents
staying with their children. He saw the rooms and discussed about
the facilities and functioning of the home. He highly appreciated
the activities under taken by BISWA.Smt. Dungdung, DSWO
interacted with the residents and inquired about some cases. She
also met mentally challenged women and advised to continue their
medicine for complete recovery.
 BISWA Bharat Integrated Social Welfare Agency

Ms. Rixt Bode

Ms. Rixt Bode paid a three days visit to BISWA, Sambalpur, i.e.
14th to 16th February 2008. In this connection a meeting was
organized at BISWA Training Hall. She interacted with the staff
there. Then she visited Bolaranga and saw the grocery shop,
conducted by SHG members then she visited Budapada soap
making unit. The next day i.e. on 15th February she visited Hatibari
Health Home, Bhatra SHG no-50, Common Facility Center, Rengali,
Dhankauda Federation, Tailoring Unit, Phenyl Unit, Lxmipriya and
Food K iosk. Her total visit was conducted by Sri Shiv Prasad Meher,
Manager, Public Relations.

Our Partners in Development

NABARD
Development Commissioner (Handicrafts)
National Ministry of Health and Family Welfare
Partners Ministry of Environment and Forest
Central Social Welfare Board Financial
National Commission for Women Institutions
Family Planning Association of India
National Child Labour Project ICICI Bank
Entrepreneurship Development Institute of India ABN Amro Bank
Small Industries Service Institute Axis Bank
Khadi and Village Industries Commission HDFC Bank
SIDBI
IDBI Bank
Department of Women and Child Development,
Citibank
Government of Orissa
Federal Bank
Directorate of Handicrafts and Cottage Industries CARE- India
Mahila Vikash Samabaya Nigam Development Credit Bank
Orissa State Social Welfare Board Indus Ind Bank
Orissa State Council for Child Welfare IFMR Trust
FWWBI
District Administration of Government of Orissa,
Grameen Capital
Chhatisgarh and Jharkhand
State Bank of India
Bank of India
72 Allahabad Bank
Dikonia, Sweden Oriental Bank of Commerce
Misereor, Germany Indian Overseas Bank
International FVTRS Panjab National Bank
Partners United Bank of India
annual report 2007-08

NOVIB ( through FFDA), Netharlands

Bank of Baroda
Sight and life, Switzerland
Rashtriya Mahila Kosh
Niwano Peace Foundation, Japan Utkal Gramya Bank
SEEDS, USA
UNIDO
UNICEF
OXFAM NOVIB
Hivos, Netherland LIC of India
Orissa Foundation, USA Insurance TATA AIG
Asha for Education, USA Oriental Insurance Company
Companies
ICICI Lombard
BISWA Human Resource

At present BISWA has got a workforce of more than 2500
employees working in several districts of Orissa and different states
of India. It has come to the present state from a very grassroot
start and built upon certain values which may otherwise termed as
its organizational culture - Believes and practices:
l Organizational commitment for the well-being and livelihood
securities of rural/urban mass, especially the poor &
downtrodden.
l Empowering the community members educationally, socially
and economically to live in harmony with Mother Nature and
prevailing social justice.
l Achieving and maintaining high quality standards in its program
l Gender balance, gender awareness, mutual respect and
maturity in cooperation between women and men. Also
shunning of any distinction in treatment on the basis of
community, religion, background, caste, and tribe.
l Maintaining Transparency and accountability in the
management of resources, such as vehicles, equipment, time,
money, one’s availability to others, one’s leave, traveling.
l Working in team, joint consultation and participation in decision
making, helping one another.
Core Values
Integrity CORE

VALUES
operation to create lasting impacts. l

l Honesty
l Achieving and maintaining high quality standards in its program
operation to create lasting impacts. l Participatory & Cohesive approach

l Appropriate investment on HR to equip them with the required l Team work

skill set and knowledge base so that they really become the l Involvement of grass-root workers in planning process
asset for the organization

73

annual report 2007-08

Chairman with staff members

 BISWA Bharat Integrated Social Welfare Agency
BISWA Human Resource Policy
BISWA believes that other than financial inputs it’s existing and
forth coming Human Resource has been greatest source of its
strength, success and sustainability. It also expects that the staff
need to devote their full time and attention to the work assigned to
them. They shall not utilize or divulge to any person or persons
any of the Organization’s internal policies or activities without proper
authorization. So, it has developed and operationalized an HR
policy having the rules and regulations to run the day to day affair
and administration of BISWA.
Further, it is assumed that this HR Policy would create better
understanding among staff on the organizational values and
encourage them to make optimum contributions for realizing the
set of goals and objectives of BISWA.
Smoke Free Environment
In view of the health hazard posed by cigarette smoke to passive
smokers, smokers shall not expose non-smokers to tobacco within
BISWA office premises-HO & District Offices. Smoking in toilets is
also not permissible at any office of BISWA at district, zone and
state level.
Long term Service Award
In recognition of long-term service to the Organization, an employee
completing 5 and 10 years of service would receive a Certificate
of Appreciation and one month’s basic salary.
Sexual Harasment Prevention Cell
At present BISWA is having a large number of women employees
.In order to safeguard their modesty and to ensure a conducive
environment for women to work free from any type of physical,
74 psychological or sexual abuse, a cell has been created on
08.03.2006 by the organisation. This cell headed by Mrs Deeptibala
annual report 2007-08
Team building through staff training
Pattnaik where the members are Mrs Pravasini Pradhan, Ms Sunita
Padhi, Mrs Minakshi sahoo, Ms Pranati Bag , Mr. K. C. Malick, Ms
Rashmi Rani Rout and Mr. Duryodhan Malick. This cell will support,
verify and prepare a report if any of the women employees at any
time subjected to abuse or sexual harassment. Each of such
allegations lodged by any victim will be verified thoroughly. All
concerned will be informed on the incident. Any legal action as
deemed can be suggested by the committee and forwarded to the
chairman BISWA for information and necessary action. Any women
victim of violence /sexual harassment can lodged the complain
directly to the committee whenever she fill unsafe and scare. She
cannot utilise this to escape of responsibility expected from her as
per the appointment order of the organisation .Members of the
committee will immediately discuss and proceed to the place
wherever the victim works with intimation to chairperson BISWA.
They will discuss and verify the allegation, under the prevailing
situation. Committee will avail the authority of interacting with all
concerned involved as alleged. This is to support and facilitate
preparing a report as circumstantial evidence. A report will be
prepared with suggestion for action.
Future Strategy:
Single Window Services
BISWA has strategized the following action plan
for the next year to come. It is being a social
organization devised a new operational strategy
to overcome poverty in Orissa and its operational
states. That is known as single window services
in Micro finance sector. In this approach BISWA
gives much emphasis on poverty eradication,
social development, ecological care, rural
development and women empowerment. At the
grassroots level community organizer will look into
organizing people and taking care of overall
development of the village and their entitlement.
At the Block level the consolidated efforts of the
organizers and people will be taken care in form
of block level federations or Mutual Benefit Trusts.
At the district level these efforts will be consolidated
and monitored effectively and efficiently by highly
experienced and trained professionals in
development and micro finance practices.
 6
Section

75

annual report 2007-08

Audit Report &

Financial Statements
 BISWA Bharat Integrated Social Welfare Agency

Annual Day celebration of BISWA

76
Chairman handing over insurance policies to MD, TATA-AIG
annual report 2007-08

Chairman discussing with top executives of ICICI Bank

 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, 2008 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 31st, 2008; and

ii) in the case of Income and Expenditure account, for the year ending on 31st March 2008; and
77
iii) in the case of Receipt and Payment Account for the year ending on 31st March 2008.

annual report 2007-08

For M Panigrahi & Co.

Chartered Accountants

M. Panigrahi, ACA
Chartered Accountant
Bhubaneswar 21st May, 2008 M No: 60115
 annual report 2007-08

78
BHARAT INTEGRATED SOCIAL WELFARE AGENCY (BISWA), DANIPIALI, BUDHARAJA, SAMBALPUR
CONSOLIDATED BALANCE SHEET AS ON 31.03.08
Liabilities Amount (Rs.) Amount (Rs.) Asset Amount (Rs) Amount (Rs.)
Fy 2006-07) Fy 2007-08 Fy 2006-07 Fy 2007-08

Capital Fund Fixed Asset

Capital 6,34,04,892.78 6,34,04,892.78 Opening 1,62,11,449.95
Corpus fund 34,09,86,270.00 Add during the year 1,25,06,241.50
Reserve & Surplus Less: Sold (9,40,409.50)
Surplus 17,94,018.15 40,61,85,180.93 Less: Damaged (16,600.00)
Less: Depreciation 1,62,11,449.95 (47,62,355.13) 2,29,98,326.82
Reserve fund for asset Current Asset
Opening 1,42,250.00 Stock of materials 25,63,001.17 13,54,715.87
Add during the year 11,28,520.00 29,04,865.00 30,36,115.00 Sundry debtors 19,51,079.94 27,13,087.28
Funds & other receivable 65,80,244.50 1,63,94,859.50
BISWA

Temporary restricted fund 20,29,169.34 20,33,781.94 Cash & bank balance 1,24,58,662.93 1,33,13,894.23
Equity capital (Margin money) 4,80,000.00 4,80,000.00 Deposits
Reserve for unforeseen expenses 65,000.00 65,000.00 Security deposit 2,83,913.00 4,79,523.00
Loans & advances Fixed deposits 25,75,000.00 4,05,75,000.00
Loan from FFIs 84,11,60,756.68 78,52,83,620.07 Loan and Advance
Loan from gen fund 4,28,81,874.87 6,15,92,999.40 Loans to SHG 94,21,94,623.47 1,18,04,12,450.00
CD loan 20,72,802.00 12,02,202.00 Advances 8,52,163.00 32,96,286.96
Loan from Swadhar 32,000.00 Loan to different project 1,16,60,205.87 2,96,17,815.44
Advance for expenses 15,93,429.00
Current liabilities & provision
Gratuity payables 4,64,593.00
Outstanding expenses 53,10,676.00
Bharat Integrated Social Welfare Agency

Security deposits 3,09,94,498.00 3,28,98,244.00

Sundry creditor 3,829.00
Provision for doubtful debt 76,90,222.16 1,94,94,346.76
JBY premium 70,041.00 9,441.00
Scholarship to children 9,900.00
Total 99,73,30,352.83 1,31,27,49,353.10 Total 99,73,30,352.83 1,31,27,49,353.10

FUND MANAGEMENT ON BEHALF OF ICICI

Loan fund
Loan outstanding-ICICI 32,97,49,500.72 19,91,88,495.33 Loan to SHGs-ICICI 32,97,49,500.72 19,91,88,495.33
Total 32,97,49,500.72 19,91,88,495.33 Total 32,97,49,500.72 19,91,88,495.33

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 31.03.2008

Expenditure Amount (Rs.) Amount (Rs.) Income Amount (Rs.) Amount (Rs.)
Fy 2006-07 Fy 2007-08 Fy 2006-07 Fy 2007-08

Stock 19,98,208.10 25,63,001.17 Grant in aid 1,59,35,548.00 3,90,79,739.60

Rawmaterials 37,15,486.00 81,08,192.00 Transfer from Restricted fund 22,99,594.34
Program Cost 3,97,11,916.30 5,08,18,252.26 Other donation 18,21,165.00 70,39,650.00
Financial Cost 6,86,80,819.86 8,72,45,305.30 Organisation Contributions 50,54,233.00 75,65,590.00
Administrative & Maintenance Cost 3,49,09,942.98 3,10,65,645.50 Membership subscription 44,000.00 42,000.00
in Processing Fees 54,057.00 Membership subscription 43,560.00 41,500.00
from network member
Miscellaneous expenses 1,56,357.00 5,03,098.00 Service charges 12,96,80,999.67 47,40,75,770.58
Provident fund 5,96,002.00 Interest received from bank 6,88,023.64 1,78,586.53
Organisation contribution 50,54,233.00 75,65,590.00 Stationary collection 81,67,300.00
under Gratuity 5,00,000.00 Other Misc collection 33,29,618.00 40,17,061.78
Deprictiation 23,43,580.94 47,62,355.13 Received from other projects 84,850.00
Provision & taxes 47,10,973.16 1,18,04,124.60 Provident fund 2,31,168.00
Equity(Margin mon 4,80,000.00
for unforessen 65,000.00
Gratuity 4,64,593.00
84,850.00 Transfer from project capital fund 36,525.00
Transfer from Biswa MF 4,12,05,348.00
Transfer to Reserve fund assets 63,500.00 29,04,865.00 Transfer from ICICI MF 3,97,00,000.00
Transfer to capital fund 8,89,028.00
Transferred to gen fund 4,12,41,873.00 Sale 61,02,365.44 89,37,972.35
Transfer to temp rest 20,33,781.94
Transfer to Biswa MF 3,97,00,000.00 Closing stock 24,75,635.17 13,54,715.87
managed assets written 16,600.00 79
Transfer to corpus fund 34,00,00,000.00
Expenditure 26,27,270.58 17,94,018.15

Total 16,54,91,165.92 63,37,41,354.05 Total 16,54,91,165.92 63,37,41,354.05 annual report 2007-08

For Bharat Integrated Social Welfare Agency For M Panigrahi & Co

(BISWA)

Sd/-
Sd/- M. Panigrahi, CCA
Place: Bhubaneswar K.C. Malick (Proprietor)
Date: 21.05.08 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 31.03.2008

Receipts Amount (Rs.) Amount (Rs.) Payments Amount (Rs.) Amount (Rs.)
Fy 2006-07 Fy 2007-08 Fy 2006-07 Fy 2007-08

Opening balance 4,26,48,276.71 1,24,58,662.93 Capital expenses 34,64,410.00 1,16,95,042.00

Fixed deposit 3,80,00,000.00
Grant in aid 1,29,87,583.53 2,93,25,365.60 Security deposit 1,95,610.00
Other donation 18,21,165.00 70,39,650.00
Organisation contributions 50,54,233.00 75,65,590.00
Interest received from bank 6,88,023.64 1,78,586.53 Rawmaterial 9,47,976.00 70,44,168.00
Service charges 9,29,87,498.90 47,40,75,770.58 Program cost 3,71,73,750.30 5,08,14,423.26
Transfer from other projects 94,850.00 Financial cost 6,86,80,819.86 8,72,45,305.30
Administrative expenses 3,49,09,942.98 3,10,65,645.50
Miscellaneous 3,86,01,574.77 40,17,061.78 Advance for expenses 15,93,429.00
Stationary collection 14,21,544.00 81,67,300.00 Outstanding expenses 50,25,416.00
Membership subscription 44,000.00 42,000.00 Miscelleneous expenses 1,50,357.00 5,03,098.00
Membership fees NGO
Network 43,560.00 41,500.00 Loan processing charge 54,057.00
Transfer from projects 31,019.00
Security collection 14,988.00 Refund to BE foundation 1,18,625.00
Transfer from ICICIMF 3,97,00,000.00
Transfer from BISWA MF 4,12,05,348.00 Loan to SHG 1,10,37,64,668.00 1,70,33,23,182.00
Loan to various programs 95,61,105.50 2,39,59,909.31
Loan collection from SHG 71,92,91,147.53 1,26,59,16,859.14 Loan and Advances 6,03,700.00
Loan to Lax Micro Ent. 22,39,975.96
Premium from individuals 3,80,19,917.00 1,04,60,857.00 Refund of Loan to FIs 51,79,62,171.70 41,97,88,641.28
Loan refund to inviduals 29,28,267.00 9,37,818.46
JBY premium from SHGs 44,04,600.00 Loan repayment to GF 20,57,336.22 60,02,299.74
CD loan 21,04,682.00 19,38,844.00
Loan from Fis 85,36,17,462.75 56,31,00,000.00 Security refund 3,23,90,525.00 86,54,566.00
Loan from individuals 1,34,99,862.09 Refund to ICICI 1,41,07,171.15
Refund to member-JBY 900.00
Loan from Swadhar 32,000.00
Premium deposit 3,82,68,380.00 92,17,917.00
Provident fund 2,31,168.00 5,25,498.00 JBY premium 44,58,449.00 19,22,400.00
Loan and advance 95,61,105.50 2,39,59,909.31 Scholarship to children 1,15,500.00 72,840.00
CD loan 26,48,494.00 9,00,000.00 Payment under gratuity 5,00,000.00
80 Ins claim received 5,83,736.00 15,67,586.00 Transfer to BISWA MF 3,97,00,000.00
Scholarship from LIC 1,05,600.00 62,940.00
Advance realised 2,61,720.00 5,61,000.00 Provident fund 11,21,500.00
Security deposits 4,60,44,372.00 1,05,58,312.00
Loan refund 20,57,336.22 60,02,299.74 Claim paid 8,39,320.00 14,90,236.00
annual report 2007-08

Sale proceeds 50,87,792.00 78,18,658.93

Sale proceeds-fixed assets 2,43,567.00 9,40,409.93 Transferred to General fund 94,850.00 4,12,36,367.00
Organisation contribution 50,54,233.00 75,65,590.00
Received from UK water aid 1,18,625.00
Closing balance
Cash at bank 64,59,813.93 1,11,89,244.23
Cash at hand 59,98,849.00 21,24,605.00

Total 1,89,20,97,177.64 2,51,63,40,809.04 Total 1,89,20,97,177.64 2,51,63,40,809.04

For Bharat Integrated Social Welfare Agency For M Panigrahi & Co

(BISWA)
Sd/-
Sd/- M. Panigrahi, CCA
Place: Bhubaneswar K.C. Malick (Proprietor)
Date: 21.05.08 Chairman Membership No:60115