Jebun Nahar Project Coordinator, MFTS Project, PKSF, Bangladesh

1. An IFAD intervention for Poverty Alleviation Through Livestock Program MICROFINANCE AND TECHNICAL SUPPORT PROJECTIFAD LOAN no.609-BD Jebun Nahar Project Coordinator, MFTS Project, PKSF, Bangladesh

2. About PKSF • World’s Largest Apex Lending and • Capacity Building Institution • Services through Institutions-POs • Presently about 257 • Portfolio : US $ 436 Million (PKSF - PO) • Grassroots Clients : 8 Million • Loan Repayment at both level • (PKSF-PO-Borrower) : 98%+ • Loan Repayment to Govt. 100%

3. MFTS: Project 1st IFAD Collaboration with PKSF

5. The goal of the MFTS project is to improve the livelihood and food security of 2,34,000 moderate and Ultra poor households and the empowerment of women by adoption of sustainable IGA and livestock technology. Project Objectives

6. Operational Arrangements • Channeling loan (micro-credit and institutional development loan) and grant funds for beneficiary training to POs; • Monitoring (On and Off site) PO performance in delivering project services; • Providing IGAs training to PO staffs. • Arranging specialized IGAs training for beneficiaries. • Linkage with GO / other agencies for input support and services.

7. Major responsibilities of MFIs  Selection of Moderate and Ultra poor  Organizing and providing training (Livestock IGAs and Social Development) to beneficiaries.  Providing credit  Ensuring inputs for implementation of livestock IGAs.  Supervising and assisting in IGAs implementation. The 24 selected MFIs established 170 Branch offices.

8. Micro creditlevel : Micro credit 29.86 million US$ Institutional Development( ID) loan: 0.29 million US$ PO- Beneficiaries level : Total disbursement: 147.97million US$ 63% of total in livestock IGAs) Total loanee : 2,55,980 Total member: 2,50,370 (Female 97%) Ultra poor: 49689 (20% of total member) PHYSICAL and FINANCIAL Progress

9. The Magic Wand Training Awareness raising Need Based Skill development

10. Staff category Name of Training Course Training Received PO Director Orientation on MFTS Project 27 Credit Coordinator Orientation on MFTS Project and PLDP field visit at Bogra (TMSS). 27 AO Manager M&E of Livestock Related IGAs 251 Accountant Management Information System (MIS) 294 Livestock Technical Assistant Implementation, Monitoring and Evaluation of Livestock Related IGAs (with follow up) 500 Credit Assistant i) Monitoring and Evaluation of Livestock Related IGAs 1568 ii) Social Development Training 668 Total 3335 TRAINING PO staff Training Status

11. Types of Training for the Beneficiaries: Social Development or Awareness Skill Training : General Livestock Specialized Livestock & Demand driven or Non livestock

12. Pictorial Training Materials a) Flip Charts b) Video Hands on Training Demonstration Exchange Study visit Modality of Training

13. Hands on Training for the Beneficiaries Beneficiary learning techniques on Model Breeder during training in TMSS Poultry Farm. Beneficiary learning techniques on Mini Hatchery during training in Narayanganj Duck Farm

14. Hands on Training :Broiler Rearing Beneficiary ( Ultra poor) from PBK, Kishorganj working in her Broiler Unit.

15. Exchange Study Visit

16. CREDIT

17. Need based Ceiling of different IGAs Repayment according to income Flow of respective IGAs

18. Ensuring inputs for implementation of livestock IGAs. Marketing Information Provided IGAs Implementation Support

19. Implementation Support • Involvement of Department of Livestock Department (DLS) in MFTS project. A MOU between DLS and PKSF signed on 4th April 2005 for ensuring supply of inputs necessary to make the project sustainable. • Technical Support ensured from GO and Other Agencies

20. Model Breeder Eggs DOC Eggs GOB/PO Mini Hatchery DOC Eggs Technology transfer can create high productivity based occupation. Chick Rearer Poultry Worker Information/Network/Technology Transfer/Inputs, Raw materials assurance/Skill/Market Information/Financing Plan Given by PCU, MFTS Surplus Male Growing Birds Eggs/Meat Bird Poultry Keeper Market Marketing Linkages (Intra & Inter) Area Offices have established Poultry Production Model Chain. For instances beneficiary is producing fertile eggs and supplying to both Mini hatchery owner and rural woman individually. Individual woman is producing chick through natural brooding (eggs keeping under deshi hen).

21. Monitoring & Supervision 1. Onsite Monitoring : PCU : Core Responsible PKSF Line Management : Dealing Officers PKSF : Senior Officers 2. Offsite Monitoring : Monthly Prescribed MIS report 3. IFAD/UNOPS Supervision Mission PKSF visiting Poultry Workers’ activities at TMSS, Sylhet

22. Model Breeder Eggs DOC Eggs GOB/PO Mini Hatchery DOC Eggs Technology transfer can create high productivity based occupation. Chick Rearer Poultry Worker Information/Network/Technology Transfer/Inputs, Raw materials assurance/Skill/Market Information/Financing Plan Given by PCU, MFTS Surplus Male Growing Birds Eggs/Meat Bird Poultry Keeper Market Marketing Linkages (Intra & Inter) Area Offices have established Poultry Production Model Chain. For instances beneficiary is producing fertile eggs and supplying to both Mini hatchery owner and rural woman individually. Individual woman is producing chick through natural brooding (eggs keeping under deshi hen).

23. Result of Mid Term Impact

24. The number of livestock increased -55% more cattle, 113% more sheep and goats and 81% for poultry. With cross-bred cattle increased by 631% Sonali or Fayoumi chickens by 387% and broilers by 763%. The proportion of households selling milk has doubled from 14% to 29%, Egg selling households have increased from 13% to 19%. The average value of milk sold by each selling household has increased three times while the value of eggs have increased by five times. Increased in the sales of chickens, goats and cattle. Increased in livestock production, together with access to credit for a range of other IGAs, has meant that ownership of other assets such a bicycles, rickshaws, sewing machines, radios and TVs have all increased.   Daily labour is the main source of income falling from 30% to 11%, and the proportion where livestock/poultry are the main source doubling from 16% to 32%. Food security has improved – the average number of months where households do not get three meals per day has fallen from 3.51 months to 2.86 months. Own tubewells for drinking water has increased from 42% to 68% (from 9% to 42% for Ultrapoor) and using hygienic latrines from 59% to 95% (28% to 93% for Ultra poor). Achievements

25. “less quarrel with husband as less poverty” and have increased status in their families due to earning income. -Better nutrition due to poultry -Children now go to school -Women build up assets such as cows -Women can now buy things, such a betel nut, -and no longer have to depend on husbands -Women are empowered - “Women can now open their mouths” -Much technical knowledge is now transferred by Livestock Technical Assistants (LTAs) -Have very low mortality of poultry, -And also know about poultry feeding and husbandry. -Most people now use urea-molasses treated straw to feed their cattle -If their cows are sick they contact the LTA or DLS veterinary officer via mobile phone -Losses of poultry due to disease are greatly reduced -AI is being used to produce cross-bred milking cows. -People now have regular income from livestock (milk, eggs) -and eat better, they are spending money on education, leasing land for crops, and have better sanitation and hygiene practices. Achievements

26. Ownership of Project/ Institution Institutional Ownership to fit in relevant program after end of project Policy decision to invest fund in similar program after expiry of project Involvement of Internal regular officers in monitoring Similar actions by Partner Organizations / Micro finance Institutions Program Approach rather than Project approach Reporting/Accounts keeping integrated with Mainstream Salary structures and the logistics fixed keeping in view integration with future program Senior level expert recruited under regular cadre. Procurement streamlined with mainstream (No outside Consultant) Extensive Training for trainers in built to sustain the intervention. Sustainability

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