progress report volume - i · marico usd 0.31 million target beneficiaries 6192 vulnerable women...

PROGRESS REPORT

VOLUME - I

STRENGTHENING WOMEN’S ABILITY FOR

PRODUCTIVE NEW OPPORTUNITIES (SWAPNO II)

SUBMITTED TO

SWEDISH INTERNATIONAL DEVELOPMENT AUTHORITY (Sida)

REPORTING PERIOD

SEPTEMBER 2019 – FEBRURAY 2020

Strengthening Women’s Ability for Productive New Opportunities 1

S W A P N O A T A G L A N C E

Outcome 1 Outcome 2 Outcome 3 Outcome 4 Outcome 5

Increased

income and

assets by

expanding

options

Enhanced human

capabilities for

exercising

choices

Strengthened

resilience to shocks

including disasters

and climate change

Enhanced

financial

inclusion for

equitable

opportunities

Improved policies and

mechanisms for

sustaining SWAPNO’s

benefits

1A 6192 eligible

women, as an

entry point,

receive wage

employment

through public

works scheme

1B 5000

graduates run

successful IGAs

with appropriate

training and

support services

1C 400

apprentices are

trained and

employed in

potential local

SMEs

1D 800 women

are trained and

employed in

priority industries

in the private

sector

2A 6192 women

develop seven key

life skills

2B 6192 women

have improved

nutrition through

campaign and

additional support

2C 6192 women

can access local

justice systems

through

partnerships with

government

agencies and

human rights

organizations

2D 6192 women

can access health

care through

partnerships with

government and

NGO

3A SWAPNO women

and communities have

enhanced disaster

coping mechanisms

3B Improved

coordination among

Disaster Management

Committee (DMC) and

relevant Standing

Committees (SC) at UP

level

3C Adaptive livelihoods

promoted through

partnerships to mitigate

climate change

3D Priority public

assets are climate-

proofed through

maintenance

3E Resilient livelihoods

and Operation and

Maintenance (O&M) of

climate resilient public

assets are monitored

4A Improved

access to and use

digital financial

services

4B Strengthened

evidence-based

policymaking for

social security

delivery system of

micro-insurance

4C Micro-

insurance

products

introduced to

enhance shock

absorbing

capacities of

beneficiaries

5A Strengthened

evidence-based

advocacy and research

for developing

SWAPNO model for

national scale-up

5B Strengthened

capacity of LGIs

through need-based

capacity building and

best practices for

efficiently managing

social transfer projects

5C Strengthened anti-

fraud system for greater

accountability through

capacity building of

local government on

project operation

manual and internal

control framework as

well as having a

grievance redressal

hotline in place

Contact Person Kajal Chatterjee, National Project Manager

Phone : + 88 01730014032, Email : [email protected]

Programme Title Strengthening Women’s Ability for Productive New Opportunities

Implementing Partners Local Government Division, UNDP

Total approved Budget USD 7.51 Million (including fund from Marico)

Bangladesh Government USD 3.2 Million

UNDP USD 0.5 Million

SIDA USD 3.5 Million

MARICO USD 0.31 Million

Target Beneficiaries 6192 vulnerable women (new 3564 and continued 2592)

Geogrphycal Coverage Kurigram, Lalmonirhat, Gaibandha and Jamalpur districts

Outcome and Activities

mailto:[email protected]


Acronyms and Abbreviations

ADC

ADM

AVCB

AWP

BCC

BCCTF

BDT

BIDS

BSRM

CCA

CDMP

CFF

CG

CMF

COEL

CRA

CSO

DAE

DC

DMC

DPP

DRR

ESDO

FDRWC

FYP

G2P

GED

GO

GoB

GUK

HDRC

HR

IGA

IPs

JPMF

KMC

LDC

LGD

LGI

LGSP

LoGIC

M&E

Assistant Deputy Commissioner

Additional District Magistrate

Activating Village Court Bangladesh

Annual Work Plan

Behavioural Change Communication

Bangladesh Climate Change Trust Fund

Bangladeshi Taka

Bangladesh Institute of Development Studies

Bangladesh Steel Re-Rolling Mills

Climate Change Adaptation

Comprehensive Disaster Management Programme

Climate Fiscal Framework

Community Group

Community Mobilization Facilitator

Centre of Excellence for Leather Skill Bangladesh Ltd.

Community Risk Assessments

Civil Society Organization

Department of Agriculture Extension

District Commissioner

Disaster Management Committee

Development Project Proforma

Disaster Risk Reduction

Eco-Social Development Organization

Family Dispute Resolution, Women and Children Welfare

Five-Year Plan

Government-to-Person

General Economics Division

Government Order

Government of Bangladesh

Gono Unnayan Kendra

Human Development Research Centre

Human Resource

Income Generating Activities

Implementing Partners

Joint Programme Monitoring Framework

Knowledge Management Consultants ltd.

Least Development Countries

Local Government Division

Local Government Institution

Local Government Strengthening Project

Local Government Initiative on Climate change

Monitoring and Evaluation


MIS

MoLGRD&C

MoDMR

MoWCA

MoU

MOS

MPTF

NGO

NIM

NPD

NSSS

OM

PC

PIC

PMU

PO

PSC

ProMPT

REOPA

RMP

RO

ROSCA

RRF

SDG

SME

SWAPNO

Sida

SC

ToR

TNA

ToT

UDCC

UNDAF

UNDP

UNO

UP

USD

VAW

VCA

Management Information System

Ministry of Local Government and Rural Development and

Cooperative

Ministry of Disaster Management and Relief

Ministry of Women and Children Affairs

Memorandum of Understanding

Market Opportunity Survey

Multi Partner Trust Fund

Non-Government Organization

National Implementation Modality

National Project Director

National Social Security Strategy

Operational Manual

Project Coordinator

Project Implementation Committee

Project Management Unit

Project Officer

Project Steering Committee

Promoting Participatory Training

Rural Employment Opportunities for Public Assets

Rural Maintenance Program

Regional Office

Rotating of Savings and Credit Associations

Results & Resources Framework

Sustainable Development Goal

Small and Medium Enterprise

Strengthening women’s ability for Productive new opportunities

Swedish International Development Authority

Standing Committee

Terms of Reference

Training Needs Assessment

Training of Trainers

Union Development Coordination Committee

United Nations Development Assistance Framework

United Nations Development Programme

Upazila Nirbahi Officer

Union Parishad

United States Dollar

Violence Against Women

Village Court Assistant


Table of Contents

Executive Summary ................................................................................................................ 5

CHAPTER I: BACKGROUND ................................................................................................. 7

CHAPTER II: PROJECT INCEPTION....................................................................................11

CHAPTER III: ACTIVITY PROGRESS ..................................................................................14

Outcome 1: Increased Income and Assets by Expanding Choices ........................................14

Outcome 2: Enhanced Human Capabilities for Exercising Choices .......................................17

Outcome 3: Strengthened Resilience to Shocks Including Disasters and Climate Change ....19

Outcome 4: Enhanced Financial Inclusion for Equitable Opportunities ..................................21

Outcome 5: Improved Policies and Mechanisms for Sustaining Benefits ...............................22

CHAPTER IV: PROJECT MONITORING AND MIS ...............................................................27

CHAPTER V: CHALLENGES & LESSONS LEARNT ............................................................29

ANNEXURE ..........................................................................................................................30


Executive Summary

UNDP and Swedish International Development Agency signed a cost sharing agreement

in August 2019 after a yearlong negotiation and revision of the SWAPNO II project

proposal. The project implementation began in September 2019 with staff deployment

and action plan development for the entire project period (27 months). Gradually other

activities were also rolled out in the districts. The first six-monthly progress report covers

all activities undertaken from September 2019 to February 2020. This report compiles

and analyses the progress of planned outputs and activities under each outcome for the

first year in accordance with the project proposal. The project has five specific outcomes

with sets of outputs and activities. This narrative report focuses on the activities and

results achieved in the inception period since it is too early to report on any significant

changes made in beneficiaries’ lives, or to ascertain outcome level progress.

In accordance with the action plan, the project undertook various activities by maintaining

UNDP and Sida procedures to successfully achieve the outputs laid out in the Results &

Resources Framework (RRF). The project successfully organised inception workshops

at district level with different stakeholders from the Local Government Division (LGD),

District and Upazila level government officials, UP representatives, local opinion leaders

and project staff. Three new project offices were established in three new districts –

Jamalpur, Lalmonirhat and Gaibandha – whereas Kurigram continued with the existing

office set-up. Once the partner NGOs came on board and completed their staff

recruitment, the project organized orientation training in order to enable them to fully

understand SWAPNO II implementation modalities.

The most challenging task for the project was to select 3,564 eligible beneficiaries from

99 unions. Although the project planned to work in 100 new Union Parishads (UPs), the

Sadar union of Hatibandha Upazila under Lalmonirhat district was declared as

municipality after signing the agreement with Sida; therefore, left out of the project.

Despite mounting political pressure and ill motives of some UP representatives, the

project successfully completed the recruitment process in accordance with the selection

criteria with support of the district and Upazila level government officials and community

and religious leaders. According to SWAPNO MIS data, 47% beneficiaries are widowed,

27% are abandoned, 18% are divorced and 8% have a disabled husband.

Another significant achievement of the project is to get 3564 corporate SIM cards free of

cost from Grameen Phone with BDT 200 free talk time with each SIM card. In order to

ensure 100% digital payment from the beginning of the project, SWAPNO II also procured

and distributed 3,564 Symphony brand mobile handsets (button phone) to all newly

recruited beneficiaries. The project also signed a contract with bKash to transfer wages

through mobile wallet.


In Kurigram, the beneficiaries were given renewed support to enhance access to market,

government and non-government service delivery organisations and start an all-out

nutrition campaign to overcome micronutrient deficiencies. A street drama has been

developed, a professional group is being hired to perform at Union Parishad level. A set

of Behavioural Change Communication (BCC) materials has been developed to further

strengthen the campaign, involving educational institutions and local youths.

Although the original plan was to continue support of the second cycle beneficiaries (2592

from 72 unions) in Kurigram, some beneficiaries from the first cycle who graduated from

the project in 2017 also approached the project to be included in the support mechanism.

Therefore, in Kurigram, interested beneficiaries of the first cycle were also brought into

the Rotating Savings and Credit Associations (ROSCAs). In Kurigram BDT 32,785,600

(USD 0.386 million) are generated as savings by 2396 women beneficiaries. Re-

organisation of ROSCA groups is still under process in Kurigram and will be completed

by March 2020. In Lalmonirhat, Gaibandha and Jamalpur districts ROSCA group

formation has started and is expected to be completed in April 2020.

Selected women beneficiaries (3,564) got public works-based employment from January

12, 2020. The UPs, through ward level meetings, selected important public assets,

prepared a yearly plan for the beneficiaries and involved the Standing Committee on

Family Dispute Resolution, Women and Children welfare to supervise the project. The

beneficiaries have already completed 146,124 person days of public works. The

government has already released BDT 805,452,000 (USD 9.65 million) to pay beneficiary

wages for 15 months.


CHAPTER I: BACKGROUND

Strengthening Women’s Ability for Productive New Opportunities - SWAPNO II is a public-

works and social transfer-based poverty graduation project targeting ultra-poor rural

women who are widowed, divorced, abandoned or left with a disabled husband. The

project not only aims at lifting poor women out of poverty but also assists them to get

higher income and contribute to household income in a sustainable way at the end of the

project period. While the first part is relatively easy due to high wage income, the second

part of the sustainability of project outcomes requires additional interventions. SWAPNO,

following global best practices, complements public works with mandatory and voluntary

savings, training on life skills & livelihoods and linkages for women to get jobs in local

Small and Medium Enterprises (SMEs) and private sector companies in the formal and

informal sectors. All these interventions ultimately have been contributing to household

income in a sustainable manner.

Evolution of SWAPNO: The project (SWAPNO) builds on UNDP’s experience with the

Rural Employment Opportunities for Public Assets (REOPA) project intervention, which

was implemented by the Local Government Division (LGD) of MoLGRD&C from 2007 to

2011. Informed by the successes of the REOPA project, the SWAPNO project was

designed as a follow-on programme in partnership with LGD, comprising public works

safety net employment of extremely poor women in the most vulnerable districts.

SWAPNO’s 1st cycle was implemented in two districts – climate-vulnerable Satkhira in the

coastal belt and Kurigram in Bangladesh’s poorest area – reaching out to 4,464 female-

headed households. However, the concept was first piloted in 1983 with origins in the

Rural Maintenance Program (RMP) of CARE, from 1983 to 2006, which provided year-

round employment to a total of 42,000 poor women.

Brief about SWAPNO 1st and 2nd cycle: The end-line assessment of SWAPNO 2nd

Cycle (BIDS, 2019) found some major results. First: in respect of all major indicators of

economic well-being, the SWAPNO beneficiaries graduating from the cycle 2017-19

outperformed the control group households. The beneficiaries, on average, have 78%

higher per capita income, 58% higher per capita consumption expenditure and two times

higher non-land assets than that observed for the control group. Second: as regards

benefits of the SWAPNO project in terms of dietary diversity, 64.5% have a median or

above dietary diversity, which is double that of the control group with 32.35%. Third: the

survey stated a much lower prevalence of underweight children in the treatment group;

37% as against 51% in the baseline situation. Similar trends emerge in case of child

stunting. And fourth, the economic situation of the former beneficiaries has remained

better compared to control group households even after graduation from the project, and

this is reassuring for lasting benefits of the SWAPNO project.


The partnership between SIDA and SWAPNO: SIDA agreed to partner with SWAPNO

because of the unique features of the SWAPNO poverty graduation model. SWAPNO

demonstrated 96% correct beneficiary targeting by engaging UPs and communities and

in collaboration with multi-stakeholders - GoB, UNDP, private sector companies like

BSRM, Marico, Ecofab Ltd, Bank Asia in the previous phases. These features lead

SWAPNO to develop a next-generation poverty alleviation approach through a

transformative graduation model which is very much in line with the Swedish Result

Strategy for Bangladesh 2014 to 2020. The new model created opportunities for

SWAPNO beneficiaries to develop the vocational skills which relate to current industry

needs. Swedish aid is enabling hard core poor and vulnerable women beneficiaries

initially to gain access to public works based employment and then to access the current

formal skilled labour market. Selected beneficiaries are targeted for life skills and

livelihood skills development training; these training modules have been planned based

on Market Opportunity Survey (MOS) and Training Needs Assessment (TNA) findings.

SWAPNO has been aligned with the LoGIC project to combat natural and manmade

disasters through interventions. Some examples are micro-insurance, climate-smart

agriculture and enhanced financial inclusion to the most vulnerable women, which are

interventions recognized in the Swedish aid strategy that also envisions to practice

democratic governance.

SWAPNO has been contributing to eight

Sustainable Development Goals (SDGs) as

stated below:

• Goal 1: No Poverty

• Goal 2: Zero Hunger

• Goal 3: Good Health and Wellbeing

• Goal 5: Gender Equality

• Goal 8: Decent Work and Economic

Growth

• Goal 10: Reduced Inequalities

• Goal 13: Climate Action and

• Goal 17: Partnerships for the Goals

Major objectives of the project: In 2018,

Bangladesh became qualified for the prospect of graduation from United Nations’ Least

Developed Country (LDC) status by 2024. However, factors like vulnerable employment,

declining agriculture growth and interlinked climate and disaster risks are undermining

Bangladesh’s progress. Women are facing the brunt of the impacts of these complex

challenges. At the same time, existing structural inequalities such as biased gender


relations, inadequate legal provisions and weak governance are further complicating

Bangladesh’s progress on women’s empowerment. Poverty is also driving these gender-

based discriminations, aggravating multidimensional poverty of women.

The prevailing situation has created scope for a gender-responsive social protection

system in line with Bangladesh’s National Social Security Strategy (NSSS); among other

priorities, NSSS aims to support women to “graduate” from extreme poverty. NSSS

envisages that women will access regular and predictable transfers from the Government

while tapping into opportunities to engage in productive employment in the labour market.

SWAPNO has been recognized by the NSSS as one of the best scalable poverty-

graduation approaches that can meet the NSSS objectives.

SWAPNO has five outcomes to be achieved in this phase which are stated below:

• Outcome 1: Increased income and assets by expanding choices;

• Outcome 2: Enhanced human capabilities for exercising choices;

• Outcome 3: Strengthened resilience to shocks including disasters and climate

change;

• Outcome 4: Enhanced financial inclusion for equitable opportunities

• Outcome 5: Improved policies and mechanisms for sustaining SWAPNO’s benefits

Socio-economic Transformative Model-Innovation of SWAPNO: During this reporting

period, SWAPNO II, termed as “Socio-Economic Transformative Model”, has started with

some new features (referred to below) along with the previous SWAPNO graduation

approach:

• Wage employment for 15 months for social protection;

• Life skills training for social empowerment;

• Livelihood development training for sustainable livelihoods;

• Vocational skills training and formal sector employment;

• Financial inclusion to access credit and effective e-payment (G2P - Treasury to

Beneficiary);

• Awareness-raising on micro-nutrient deficiency, balanced diet & nutritional

campaign module development;

• Distribution of disaster tolerant vegetable seeds/ tree saplings as adaptive

livelihoods;

• Strengthen shock-absorbing capacity to build resilience to climate vulnerabilities;

Introducing micro-insurance for health, livestock and crop insurance to enhance

shock-absorbing capacities of beneficiaries;


Geographical coverage: SWAPNO

intervention areas targeted in 4 Districts for

172 unions: Kurigram (73), Lalmonirhat

(37), Gaibandha (17) and Jamalpur (45).

Women are targeted to be employed in

public works with the engagement of

maintaining and rehabilitating rural earthen

roads and other key public assets. Over the

project period, totally 3,600 women are

targeted for employment in public works

and 6,192 women targeted to be trained in

income generating activities and livelihoods

development (refer Annex I for District and

upazila wise beneficiary coverage status).

The targeted women are ultra-poor and

living in rural areas.

Fig-1: SWAPNO Project Area


CHAPTER II: PROJECT INCEPTION

Contract signing with SIDA: On August 05, 2019, the UNDP and Swedish International

Development Cooperation Agency (SIDA) signed the agreement for SWAPNO project to

empower vulnerable women. Chargé d’affaires of the Embassy of Sweden Mr. Anders

Öhrström and Resident Representative of UNDP Mr. Sudipto Mukerjee signed the

agreement and the first funding from SIDA was received in September 2019. The project

has accomplished partnership development with NGOs, beneficiaries’ selection and

hiring the project staff by the first three months of the project.

Fig -2 Contract signing between SIDA and UNDP

Government approval: In order to implement SWAPNO II activities flawlessly, the Local

Government Division (LGD) issued a Government Order (GO) along with the Operational

Manual (OM) to the Deputy Commissioners (DCs), Upazila Nirbahi Officers (UNOs) to

inform listed UPs about their roles and responsibilities in project implementation. In turn,

the Deputy Commissioners instructed the UPs and introduced the implementing NGOs.

The DC, in collaboration with project staff and the partner NGO, organized an inception

workshop in each respective district, where officials from District and Upazila

administration, representatives of Union Parishads along with UP Secretaries, service

delivery departments, financial institutions and civil society representatives attended. The

National Project Director (NPD) attended all the workshops and highlighted the

importance of correct beneficiary targeting and socio-economic empowerment of women

to curb multidimensional poverty. The NPD also highlighted digital wage payment to

ensure financial inclusion and transparency in financial transactions. Since the NGO

ESDO has been the implementing partner in Kurigram since 2015, the support services


designed for Kurigram beneficiaries has become very effective due to their long

association with the beneficiaries. ESDO has also extended financial and technical

support to beneficiaries that want to extend their small enterprises.

Selection of Implementing Partners: The UNDP procurement unit selected

implementing partner NGOs through a rigorous and transparent selection process. The

entire process took around four months to complete. It took longer than expected, since

in response to the first call, UNDP received applications for Lalmonirhat and Gaibandha

districts while no application was received for Jamalpur. From the first call Gono Unnayan

Kendra (GUK) and Eco-Social Development Organisation (ESDO) were selected for

Gaibandha and Lalmonirhat districts respectively. UNDP had to go for re-tendering for

Jamalpur and Kurigram districts to ensure a competitive process and value for money. In

the end ESDO won the contracts for both Kurigram and Jamalpur.

Project staff recruitment: In accordance with the project proposal, UNDP recruited and

re-designated project personnel through a competitive selection process. The NGOs also

conducted staff recruitment at district level. All staff are now on board and contributing to

project implementation.

District project office set-up: After contract signing, three new district offices were set

up, while Kurigram continued with existing office facilities. Address and contact numbers

of district offices are shown in annex 2.

Staff orientation: After the recruitment, partner NGO staff were given orientation by

SWAPNO district and headquarter team

members. The orientation covered: goal &

objectives of the project, roles &

responsibilities of different stakeholders,

Project Coordinator (PC), Project Officers

(POs) and Union Workers. Emphasis was

given on correct beneficiary targeting and

the steps needed to be followed by the UP

during the selection process. At the end of

this orientation session, project staff

reached a common understanding of the

implementation modalities of SWAPNO II,

which clearly resulted in selection of public assets suited for disaster risk reduction and

correct beneficiary targeting.

Fig 3: Staff Orientation at District Level


Partnership with Marico: SWAPNO received private sector funding in the earlier phases

from BSRM and Marico

Bangladesh. After reviewing

BIDS study findings, Marico

renewed their commitment to

support SWAPNO II in

developing market value chain

for the beneficiaries and

support of formal sector

employment. The agreement

was signed on 17 February

2020. Mr. Sudipto Mukerjee,

Resident Representative of

UNDP, and Ashish Goupal,

Managing Director of Marico Bangladesh signed the Memorandum of Understanding

(MoU) for a value of 0.31 million USD.

Project Implementation Committee Meeting: The 6th Project Implementation

Committee (PIC) meeting was held

on 22 January 2020 at the

SWAPNO office in Dhaka. The

meeting was chaired by the

National Project Director with

participation of relevant high-level

GoB officials and district

colleagues, including project

representatives. The Ministry of

Local Govt. principally agreed to

submit the next phase of this project

named ‘SWAPNO Plus’ to the

Project Steering Committee.

Fig 4: Contract between Marico and UNDP

Fig 5: Project Implementation Committee Meeting


CHAPTER III: ACTIVITY PROGRESS

Outcome 1: Increased Income and Assets by Expanding Choices

Outcome 1 focuses on SWAPNO’s public works-based poverty graduation approach.

The emphasis is on “future employability”. Women will leverage wage employment

through public-works with training on market-based skills and access to productive

employment to support themselves out of poverty. To contribute to this outcome,

significant progress has been made on various activities under the first year targeted

output which is mentioned below:

Output statement (Year I): 3564 women selected and employed in public works

During this reporting period,

SWAPNO II achieved the target as

per the Results and Resources

Framework (RRF). The project

assisted the UPs and community

to select 3,564 women – who are

widowed, abandoned, divorced,

separated or have a husband with

disability who is unable to earn

and maintain the family – through

mass awareness and publicity,

primary selection through open

lottery and individual house visits,

(refer figure 6 for beneficiary

status). The Union Parishad led

the selection process in close

collaboration with the Implementing Partners (IPs) along with community representatives

and leaders. The UPs have signed a contract with women groups where beneficiary rights

and entitlements, payment mechanism and beneficiary responsibilities are clearly

mentioned. The project also planned to promote group “pulled savings” through Rotating

Savings and Credit Associations (ROSCAs). Details of the activities implemented in this

reporting period, which contribute to achieve the output stated above, are given below.

Activity: Selection and recruitment of the project beneficiaries: Totally 3,564

beneficiaries are selected in Lalmonirhat, Gaibandha and Jamalpur. The selection

process was led by the Union Parishad with close facilitation of partner NGOs and the

community. The process was facilitated by the following steps:

• Orientation to UP and SC on beneficiary selection and recruitment process;

Abandoned27%

Divorced18%

Married (Disabled Husband)

8%

Widow47%

Abandoned

Divorced

Married (DisabledHusband)

Widow

Fig 6: Marital Status of Beneficiaries


• Consultation meeting with the

elected representatives and

local/community leaders at ward

level to finalize selection date,

time and venue;

• Mass campaign and

advertisement to enrol the

beneficiaries;

• Beneficiary selection through a

lottery;

• Household visit to cross-check

for final selection and UP

approval.

Activity: Account opening to pay wages: UNDP procured 3,564 mobile phone

handsets (button phone) for newly

recruited beneficiaries in three

districts through a competitive

process,. The phone sets with SIM

cards have already been

distributed among the

beneficiaries on the day (12

January 2020) they have started

the public works. Collaboration

with Grameen Phone has been

developed to get corporate SIM for

the beneficiaries. The MoU with

bKash has been extended and

signed on 28 February 2020 to pay

beneficiary wages through mobile wallet.

Activity: Initiate compulsory savings: In accordance with government policy: One-

fourth of fortnightly wages (at the rate of BDT 50 per day) will be kept in an escrow

account. This amount will be paid out at the end of the tenure as a “graduation” bonus

for expanding livelihoods or household asset base.

Activity: Promote group savings (ROSCA): SWAPNO-II women in the new districts will

form (Rotating Savings and Credit Associations) ROSCAs to contribute an agreed

savings amount and give it to one of the members in rotation to expand livelihoods or buy

assets. Formation of 297 ROSCA groups is under process, which is expected to be

completed by March, 2020. However, Kurigram is maintaining their existing ROSCA

savings and generated BDT 32,785,600 from 2396 women beneficiaries.

Fig 8: Distribution of Mobile phone to SWAPNO beneficiaries

Fig 7: Beneficiary Selection process


Activity: Market Opportunity Survey (MOS) and Training Needs Assessment (TNA):

UNDP hired two independent consultants to conduct Market Opportunity Survey (MOS)

and Training Needs Assessment (TNA). The MOS is completed and the report is attached

herewith. MOS was conducted in Lalmonirhat, Gaibandha and Jamalpur districts on the

following criteria:

➢ Demand for the products and services in the local market and outside area

➢ Skills required to run the trade

➢ Fund and resources (equipment, time and space) required

➢ Opportunity and scope for marketing of products by the women.

➢ General risk assessment for perishable and slow items and seasonal impact.

➢ Profitability of the products and yearly turnover.

Through the MOS, 44 trades are identified by the respondents which are suitable for the

beneficiaries. The trades are clustered into three categories, i.e. high priority (above

50%); average priority (from 50% to 25%) and less priority trades (below 25%). Majority

of the women preferred poultry and tailoring as their first choice, since poultry products

are in high demand in the community, local market, at district and national levels.

Similarly, demand for tailoring is high at community level and local market. Rural women

believe “one size does not fit all”, thus prefer to order customized dresses from the local

women tailors whom they can easily communicate with in trust and confidence.

Table 1: List of trades identified in MOS

Potential Trades

identified by FGD

participants

Lalmonirhat (12) Gaibandha (6) Jamalpur (15) Total (33) Percent

(%)

High preferred trades

Poultry rearing 12 6 13 31 94

Tailoring 10 6 14 30 91

Grocery shop 9 6 13 28 85

Cow rearing 12 0 13 25 76

Tea stall 9 5 11 25 76

Vegetable cultivation 5 6 13 24 73

Goat rearing 7 6 6 19 58

Moderately preferred trades

Betel leaf shop 7 1 8 16 48

Cloth business 5 4 6 15 45

Cosmetics shop 1 1 13 15 45

Egg selling 2 4 9 15 45

Cow fattening 5 6 1 12 36

Nokshikatha 0 2 10 12 36

Nursery cultivation 4 2 5 11 33

Fish culture 0 1 11 11 33

Handicraft 2 0 7 9 27


Since the beneficiaries came on board on 12 of January 2020, the consultant started TNA

at the end of January. The consultant is halfway through with his field survey and is

expected to submit the report in the second week of April. The project will use both MOS

and TNA reports to design skills training and plan for formal sector employment areas.

Activity: Linkage development with service providers and existing government

institutions The project has already established contact with government service

providers such as Livestock, Fisheries, Agriculture, Horticulture, Directorate of Youth

Development and the District Vocational Training Institutes. They were also contacted by

the MOS and TNA consultants in order to get their commitment on all-out support to the

beneficiaries. Experiences from Kurigram were also used to get cooperation from the

Upazila and District level service providers. Since the DC is in charge of SWAPNO II at

district level, cooperation from all sectors is expected to come without any challenge.

Activity: Collaboration with the Chamber of Commerce and industry association

(Leather sector, Agro-food processing Sector, and RMG) SWAPNO is working to

create enabling environment at the district level to provide vocational training and

employment of women beneficiaries through local Small and Medium Enterprises (SMEs)

and in the formal sector. Since the joining of an Enterprise and Employment Development

Specialist, he has started talking to different industries, such as leather, agro-food

processors and garments. The project is well aware about the diminishing prospect of the

garments industries in Bangladesh and is trying to expand linkages with sustainable

industries. In the leather sector, the project has initiated a bilateral discussion with Apex

and Centre of Excellence for Leather Skill Bangladesh Limited (COEL) for skills training

and job placement issues. A clear picture will emerge in a couple of months, particularly

after completion of life-skills training.

Activity: Support women to cope with the workplace environment: As per learning

from previous experience about the workplace environment, the project has been working

on reviewing the existing module to ensure a decent workplace environment for rural

women.

Outcome 2: Enhanced Human Capabilities for Exercising Choices

Outcome 2 focuses on enhancing conditions that promote women’s empowerment.

SWAPNO has been working for improving wellbeing and removing existing barriers of

women; as a result the women can gradually act on their decisions for graduating out of

poverty. The project has been working with the Government, Local Government

Institutions and Implementing partners. Under this outcome, the project has been

focusing on: a) develop the women’s key life skills, b) improve nutrition by running a

campaign and providing necessary inputs and c) build access to local justice systems to

tackle VAW. Following progress has been made so far:

Output statement (year I): 3564 of women trained in life skills (in 3 districts)


Under this output, various activities have been implemented. Important activities

accomplished under this output are development of training materials and conducting

ToT focusing a) leadership development, b) primary healthcare and nutrition, c) rights and

entitlements, d) financial literacy, e) climate change and disaster risk reduction, f) gender

and development and g) basic business development. Explanation is given below:

Activity: ToT on Life skills Training: Under supervision the Project Coordinator (PC)

the Union workers and POs will

impart life-skills training. After

reviewing all 7 life-skills training

modules, all NGO staff were

given Training of Trainers (ToT)

for five days. In this residential

training, the participants

learned facilitation techniques

along with contents of the

modules. Extensive mock

facilitation was organized to

enhance their facilitation skills

and learn to keep beneficiary motivation high throughout the training period. Name and

duration of the seven life skills modules are given below:

Table 2: List of seven life skills

Course name Duration (Days)

Leadership development 1

Primary health and nutrition 2

Gender development 1

Rights and entitlements 2

Climate change and disaster risk reduction 2

Self-learning and easy accounting 2

Basic principles of small business development 3

Meanwhile, trough open advertisement, UNDP has employed a consultancy firm

(consortium of Promoting Participatory Training-ProMPT and Knowledge Management

Consultants (KMC) Ltd. to effectively organise life-skills training, provide food and

logistics support to the participants and maintain training quality. ProMPT-KMC

consortium will submit a detailed implementation schedule by 20th of March 2020 in

consultation with the district colleagues, Partner NGOs and district administration.

Activity: Develop Behavioural Change Communication (BCC) materials: BCC

materials were developed to boost a nutrition campaign, particularly on homestead

Fig 9: ToT on Life Skills Training


gardening, vitamin A, importance of food and nutrition, supplementary food for 6-23

months old children, Iodized salt, care for pregnant and lactating mother, and adolescent

health and behaviour. The package also includes constitutional rights of women in

Bangladesh and their right of access to different service delivery organisations.

Activity: Revision of Training Module on Primary Health Care and Nutrition: In

partnership with local health service providers and the National Nutrition Programme

(NNP) of Ministry of Health and Family Planning, significant revision of content and

activities were made to address recommendations of the BIDS end-line survey. The

module was pretested in Kurigram. ESDO has conducted training for 100 beneficiaries in

four batches in Kurigram. From March 2020 onwards, a district wide campaign will begin

in Kurigram, while Gaibandha, Lalmonirhat and Jamalpur will join from May 2020.

Outcome 3: Strengthened Resilience to Shocks Including Disasters and Climate

Change

Outcome 3 focuses on building resilience of the women and their communities to shocks.

Specifically, it will align with the LoGIC project to establish and maintain coordination

mechanisms, disaster risk reduction action plans and protect key public assets. The

approach will be implemented in Kurigram and replicated in Lalmonirhat, Gaibandha and

Jamalpur. Coordination will be smooth since LGD is executing agency for both projects

and UPs have been implementing the projects. Several advancements were made under

different outputs stated at a glance below:

Output statement (year I): 99 UPs in 3 districts selecting priority public assets for natural

disaster protection, assets damaged by disasters and other public assets benefitting poor

local communities through community consultations and beginning to maintain/

rehabilitate them;

Output statement (year I): 3,564 workers in public asset schemes;

Output statement (year I):1,080,000 workdays created in public works schemes;

Activities implemented to achieve the outputs are stated below:


Activity: Selecting priority public assets for natural disaster protection: In order to

select community demanded and

disaster adoptive public assets,

SWAPNO II enabled UPs to organise

ward level meetings in all unions.

After collecting ward level lists, the

Union Parishads finalised 7403 public

assets. District wise distribution of

public assets are shown in figure 11.

Based on the list the UP-Standing

Committee on Family Dispute

Resolution, Women and Children

Welfare (FDRW&C) prepared

yearlong maintenance/ repair plan for

the women beneficiaries. Separate registers are kept with the groups to enable UP SC

on FDRW&CA to monitor on a regular basis. The community people are also informed

about the public works in advance so that they also can check work quality. Since 12

January 2020, totally 146,124 person days of public works are completed in 99 unions.

It is revealed from MIS that

Earthen Road Maintenance

is the top priority for the UPs

to keep roads accessible

round the year. Second

choice is to raise fields of

educational, religious and

community institutions to

stay above flood level, while

third option is slope

maintenance of herringbone

bond roads. Some unions

also selected tree plantation

alongside embankments or

public roads as climate change adaptive interventions.

Activity: Partnership with Activating Village Court and LoGIC Project:

Kurigram Regional Office (RO) has taken the lead to establish effective working

relationship with Activating Village Court in Bangladesh (AVCB) to create access to local

justice systems for the women beneficiaries facing violence in family, society and at work.

The RO has also started exchanging data on Violence Against Women (VAW) with the

district administration and district office of MoWCA.

Fig: 10 Inauguration of Public works program

Fig 11: Public works category

0 500 1000 1500 2000 2500

Earthen Road Maintenance

Field Raising

Herringbone Road Maintenance

Tree plantation

Lalmonirhat Jamalpur Gaibandha


The RO organised a meeting with AVCB and LoGIC to share joint activities planned in

SWAPNO II and how best the stakeholders can work together to harness reciprocal

benefits for the beneficiaries. Following decisions were taken in the meeting:

• From now on, the Community Mobilization Facilitator (CMF) of LoGIC Project

and Village Court Assistant (VCA) of AVCB-II Project will attend the monthly

group meetings of SWAPNO project and work together at Union Parishad level;

• Discussion on Violence Against Women (VAW) and demerits of early marriage

will be discussed at community level;

• Issues related to climate change adaptation will be discussed to sensitize the

Union Parishad and community people on a regular basis;

• All UNDP implemented projects will join hands in the nutrition campaign which

will involve communities, religious and educational institutions. All the projects

will disseminate date, time and place of street drama shows in advance to get

a good crowd.

Outcome 4: Enhanced Financial Inclusion for Equitable Opportunities

Output statement (year I): 6,192 women have active digital financial accounts (in 4

districts);

Output statement (year I): 6,192 women are aware about the services and opportunities

of Digital Financial Services (in 4 districts);

Output statement (year I): Financial behavioural change study on women pertaining

financial inclusion

In accordance with the decision of the PIC meeting, the project in partnership with bKash

- the largest mobile money platform in Bangladesh - has already opened beneficiary

accounts to receive wages in the first week of March 2020. The project provided

Symphony brand mobile phones, while Grameen Phone provided free SIM cards.

The study on G2P was dropped in consultation with Sida, since there is ample evidence

of G2P and financial behaviour changes in the Ministry of Social Welfare and Ministry of

Women and Children Affairs (MoWCA). The budget will be reallocated in agreement with

Sida.

The Birla Institute of Management, India is hired by UNDP through international tendering

to carry out the micro-insurance study along with a pilot of micro-insurance products best

suited for the beneficiaries. The study began in the last week of February 2020 and is

expected to be completed in June. LGD is also very keen to see the outcome and wants

to be the pioneer to include micro insurance in the areas of health, livestock and small

business.


Outcome 5: Improved Policies and Mechanisms for Sustaining Benefits

Outcome 5 focuses on improving policies and strengthening local government capacity

for sustaining SWAPNO’s impacts. Specifically, it will promote efficient and transparent

processes that are key for implementing Outcomes 1-4. It will also support evidence-

based research for promoting SWAPNO’s approach. Different activities already initiated

and running under this outcome and set of outputs are as below:

Output statement (year I): Inception workshops held in 3 project districts

Output statement (year I): Operational Manual revised and approved

Output statement (year I): Internal Control Framework revised and approved

Output statement (year I): 99 UPs and 11 Upazilas in 3 districts received project induction

training

Activity: District level inception workshops: In order to disseminate the project

objectives, operational procedures, beneficiary selection and wage payment procedures

and roles and responsibilities of the district and Upazila level officials, district level

workshops were organized in

Jamalpur, Lalmonirhat and

Gaibandha districts. The DC and

DDLG coordinated the

workshop and invited a wide

range of stakeholders to ensure

similar understanding. All UP

Chairmen and UP Secretaries

were also invited to the

workshop. About 150

participants including Civil

Surgeon, Deputy Director

(Agriculture), Deputy Director (Social Services), Deputy Director (Youth Development),

Deputy Director (Women Affairs), District Livestock Officer, District Fisheries Officer,

Additional District Magistrate (ADM), ADC (General), Upazila Chairman, UNO, Assistant

Commissioners, freedom fighters, bank managers, Union Parishad Chairman, Union

Parishad Secretary, journalists, UNDP officials, Partner NGOs representatives and other

local NGOs and civil society representatives of each district were present at the inception

workshop.

Mr. Md. Emdad Ullah Mian, Additional Secretary, LGED and the National Project Director,

SWAPNO and Mr. Kajal Chatterjee, National Project Manager, SWAPNO jointly

conducted the district inception workshops and shared the pathway of graduation from

Fig 12: District level Inception Workshop


extreme poverty of the destitute and vulnerable women by creating productive

employment, enhancing employability and skills.

Activity: Orientation session with Union Parishad: In order to create ownership,

ensure community demanded public asset selection and right targeting of beneficiaries,

all the UPs were given orientation on implementation methodology of SWAPNO II. The

District colleagues along with PC of partner NGOs conducted the sessions. District wise

attendance was as follows: Jamalpur 450; Lalmonirhat 303; Gaibandha 153.


KURIGRAM CONTINUES THE ACTIVITES OF SWAPNO (Third cycle – At a glance)

In this reporting period, in Kurigram District, ESDO has accomplished Public works

maintenance follow-up, Nutrition Campaign, Cooking Demonstration, IGA-wise Group

formation, Primary Selection for RMG Training Participants, Cluster meeting, etc. Major

activities accomplished in this reporting period are the following:

Activity Life skills and livelihoods training follow-up: As per follow-up plan, ESDO

developed a comprehensive guideline on livelihood training follow-up among 216 women

beneficiaries’ small groups within 72 Unions in Kurigram. Union Facilitators/Group

Leaders facilitated the courses according to the follow-up guideline.

Activity IGA Visits by SWAPNO Project Staff: Project staff visited the beneficiaries

door to door to follow up the income generating activities undertaken by beneficiaries.

90% of 1st and 2nd cycle beneficiaries have started different types of IGAs using the

ROSCA savings and their own savings. Every participant is trying to find out two or more

sustainable IGAs for increasing regular income.

Activity Nutrition Awareness Campaign 2020: During this reporting period, ESDO has

taken the following initiatives to conduct the nutrition awareness campaign 2020:

➢ School based essay competition and debate.

➢ School based “Health and Nutrition awareness team/group”

➢ Community level popular drama show

➢ Community clinic and Community Group (CG) visit

➢ Coordination meeting with CG and SC (FDRW&CW)

➢ Courtyard meetings

➢ Participated in Union Development Coordination Committee (UDCC) meeting with

nutrition issues.

➢ BCC sessions and

➢ Cooking demonstrations.

Activity Staff orientation on nutrition campaign: Before organizing the campaign,

ESDO organized staff orientation on 17th and 18th December, 2019. The program was

facilitated by District Manager, SWAPNO-UNDP, Financial Monitoring Associate,

SWAPNO-UNDP and Project Coordinator, SWAPNO-UNDP. All participants have

explained the nutrition awareness campaign guideline/module.


Activity Cooking demonstrations:

Rural mothers and sisters do their

daily cooking in the traditional way,

such as overcooking the food,

washing vegetables after cutting and

handling food items in an unhygienic

way. As a result, the food quality and

nutrition deteriorates. ESDO has

taken a step towards raising the

awareness of the rural people about

ideal cooking education/

demonstration. Each Union Parishad had an ideal cooking demonstration with women,

adolescent girls and aged women present. Totally 72 cooking demonstrations were

conducted. Number of participants is stated in figure 13.

Activity Community clinic and Community Group (CG) visit: This is the first time

initiative was taken to visit the Community Based Health Care Centre to assist service

providers in a nutrition campaign. In this connection, each Union Facilitator visits one

community clinic in each Union every month. They provide support to pregnant women

and lactating mothers in taking nutritious food. Union Facilitators have visited 216

Community Clinics. A total of 57,006 women received support from Community Clinics;

among those 4,683 were pregnant women and 4,613 were breast feeding mothers.

Activity Participate with the UP-Standing Committee (FDR&WCA): There are thirteen

Standing Committees in the Union Parishad that assist in running the Union Parishad.

The SWAPNO project has been working with a standing committee named Family

Disputes Resolution and Women and Children Affairs (FDR&WC). According to Union

Parishad Act-2009, each standing committee should have a meeting taking decisions on

their respective issues. During the reporting period, Union Facilitators took part in the UP

standing committee (Family Disputes Resolution and Women and Children Affairs

(FDR&WC) meeting. Out of 431 Union Parishad members, 375 participated in the

meeting in this reporting period.

Activity Courtyard meeting with community people including SWAPNO women

beneficiaries: The SWAPNO project has community groups that worked with SWAPNO

women beneficiaries and have been playing a vital role to organize courtyard meetings

at their communities. About 216 groups in 72 Union Parishad completed 216 courtyard

meetings. Meeting agenda was

• Importance of nutritious food;

• Low cost food, high level nutrition;

• Consequence of child marriage;

3264

446

665

712

5087

0 2000 4000 6000

WOMEN

ADOLESCE…

CHILDREN

OTHERS

TOTAL

Fig 13: Number of Participants participating in cooking

demonstration


• Personal health and hygiene.

Table 3: Participants’ attendance in the courtyard meetings

Sl

Name of

Union

Parishad

Participants

SWAPNO women

beneficiaries

Community women

and girls

Others Total

1 72 8352 241 216 8806

Activity SIDA’s visit to SWAPNO project: On 9 & 10th December, 2019 a team from

Sida headed by Ms. Christine Johansson,

Head of Development, Ingela Juthberg from

Sida-HQ visited SWAPNO project to observe

the activities. The team visited a local

chanuchur (local snacks) factory operated by

SWAPNO beneficiaries, observed cooking

demonstration session, visited a beauty

parlour and talked to some project

beneficiaries. They also witnessed a folk

song street drama ‘Nutrition for All’ at

Dashiachara, Phulbari Upazila, Kurigram.

Fig 14: SIDA's visit to SWAPNO Project


CHAPTER IV: PROJECT MONITORING AND MIS

Baseline update: The baseline survey for the 3rd cycle started on 18th February 2020.

Human Development Research Centre (HDRC), an independent consulting firm,

conducts the survey. The survey sample is determined to cover 884 beneficiaries. HDRC

will submit the draft baseline report by March 2020 and the report will be finalized by April

2020.

Communication and Advocacy: The

second annual social security conference

was organized by the Cabinet Division to

review NSSS implementation status on 5th

December 2019. The Chief Guest was Dr.

Shirin Sharmin Chaudhury, MP, Hon’ble

Speaker, Bangladesh Parliament where

SWAPNO was declared as the best social

safety net project of the government. Mr.

Mohammad Emdad Ullah Mian, Additional

Secretary, Local Government Division and

National Project Director, SWAPNO

Project highlighted SWAPNO as a gender

sensitive graduation model with 96%

correct beneficiary targeting, digital wage payment and sustainable livelihoods

development.

The conference also hosted a knowledge fair where all the 25 government ministries

involved in implementing Social Protection in Bangladesh were assigned respective

booths to showcase their current activities. SWAPNO project was presented in the LGD

booth, where the Chief Guest, Ms. Shirin Sharmin Chowdhury, along with other

government dignitaries visited the SWAPNO stall.

Video documentaries: 3 video documentaries were developed on nutrition, cooking

demonstration and beneficiary selection processes. These documentaries will be used to

create mass awareness. The project is in the process of identifying a good media house

to develop a documentary on SWAPNO II highlighting how the project is being considered

as the best suited social safety net for hardcore poor women groups by addressing

multidimensional poverty.

Social media and SWAPNO website: Blog posts on significant news, events, meetings

are consistently being updated on social media. The communication team collects

information from district officials and updates those in both social media and the

SWAPNO website. Apart from electronic media, the communication team also releases

news items and successful case stories in print media regularly.

Fig 15: Mr. Mohammad Emdad Ullah Mian discussed about the project at 2nd Annual Social Security

Conference


Bi-annual workshop with donors and media - The project is planning to arrange a bi-

annual workshop with project stakeholders to showcase results on BIDS study findings

and lessons learnt.


CHAPTER V: CHALLENGES & LESSONS LEARNT

The project has faced some challenges during the reporting period. However, the project

could overcome all of them by facilitating different actions and strategic connections.

➢ Hiring NGOs on time was an impeding factor to start field operation in time. In the

first call none of the interested NGOs could successfully apply for Kurigram and

Jamalpur due to difficulties in accessing online bidding platform. Re-

advertisement, shortlisting and evaluation of NGOs was completed in November

and their staff recruitment was completed in December 2019.

➢ Delayed NGO hiring also impacted on beneficiary selection. SWAPNO planned to

start the employment cycle in November 2019, but it started on 12 January 2020.

➢ Since the government has updated their online financial platform, which is more

complex than the previous version, the Finance Ministry took a month to release

beneficiaries’ wages.

➢ Moreover, transfer of the NPD Mr. Emdad Ullah Khan from LGD to the Cabinet

Division in December 2019 almost halted all financial activities until the new NPD

Mohammad. Mukleshur Rahman joined in February 2020.

In order to expedite field implementation and ensure correct beneficiary selection, the

project closely liaised with LGD, DCs and DDLGs to put pressure on wilful UP

Chairpersons to follow selection criteria. The District colleagues also used media as a

third watchful eye. The freedom fighters attending the district inception workshop were

also vigilant during beneficiary selection.

Key Learnings:

• Ownership building is key to obtain community and UP commitment in doing a

good job. Since the project has an objective of developing UP capacity, engaging

UP representatives in all the activities resulted in whole-hearted cooperation in

most of the UPs. Formation of beneficiary selection committees also worked well

since the elected representatives care about electoral opinions, thus refrained from

wrongdoing.

• SWAPNO was heavily counting on beneficiary employment in the garments

industries. With the evolution of a fourth industrial revolution, along with global

economic recession, employment opportunities in the sector are bound to be hit.

The project has been working to re-strategize formal sector employment by

identifying new promising sectors.

• SWAPNO always maintains a waiting list to replace dropouts. In Jamalpur few

dropout cases were quickly filled in to maintain normalcy at UP levels.


ANNEXURE

Table I: District and upazila wise beneficiary coverage:

SI.No Name of District Name of Upazila No. of Union No. of

Beneficiaries

1

Jamalpur

Bokshiganj 07 252

2 Dewangonj 08 288

3 Islampur 12 432

4 Melandha 11 396

5 Madarganj 07 252

6

Lalmonirhat

Lalmonirhat Sadar 09 324

7 Kaliganj 08 288

8 Hatibandha 12 432

9 Patgram 08 288

10 Gaibandha

Saghata 10 360

11 Fulchari 7 252

Total New Beneficiaries 99 3,564

12

Kurigram

Kurigram Sadar 08 288

13 Nagesswary 14 504

14 Bhurungamari 10 360

15 Ulipur 13 468

16 Rajarhat 7 252

17 Chilmari 6 216

18 Fulbari 6 216

19 Rowmari 5 180

20 Rajibpur 3 108

Total Old Beneficiaries 72 2,592

Total Beneficiaries 171 6,156


Annex -2: Address and contact number of SWAPNO II Field Office

SL Name and Designation Office Address Contract Number & Email

1 MD. AHMADUL KABIR AKON Regional Coordinator

House #: 86 Hospitalpara, Kurigram

Mobile: 01730336795, 01714118094 Email: [email protected]

2 MD. MAHMOOD HOSSAIN District Manager (Jamalpur)

Kacharaipara, Battola, Jamalpur


3

MOHAMMUDUL HOQUE MUKUL Financial Monitoring Associate (Lalmonirhat)

Taluk Khutamara, ESDO-ETRC, Banvasamore, Lalmonirhat


4 MD. ZAHIDUL HAQUE Financial Monitoring Associate (Gaibandha)

Gono Unnayan Kendra (GUK), Nasratpur, Gaibandha

Mobile: 01709309775 Email: [email protected]

5 MD AMIR ALI Financial Monitoring Associate (Jamalpur)

Kacharaipara, Battola, Jamalpur


6 MOHAMMAD MASUM MIAH Financial Monitoring Associate (Kurigram)

House #: 86 Hospitalpara, Kurigram


Annex -3: Interim Financial Report:

Interim Fin. Report

(Sep'19-Feb'20).pdf

SIDA Budgetwise

Expenditure.pdf

Annex -4: Market Opportunity Survey Report:

2nd_MOS FINAL

REPORT (26..02.2020).pdf

progress report volume - i · marico usd 0.31 million target beneficiaries 6192 vulnerable women...

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