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ANNUAL REPORT January-December 2012

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A n n u A l R e p o Rt 2012

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3A n n u A l R e p o Rt 2012

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1. Acronyms 03

2. Lighting the Way: Executive Summary 06

3. Economic Justice 09 Micro Finance 09 Coastal Integrated Technology Extension Program 09 Primary Healthcare 11 Legal Endowment Fund 11 Disaster Management Fund 12

4. Social Justice 13 People’s Organization 13 Social Action and Demand Mediation 13

5. Activities and Services: Phase out projects 15 Reaching out School Childre 15 Participatory Actions towards Resilient Schools & Education Systems 15

6. Activities and Services: Ongoing projects 17 South East Coastal Development Initiative 17 Strengthening Local Governance for Pro Poor Service Delivery 18 Marketing of Coastal Special Products project 19 Electoral process observed by COAST 20 Promoting Baseline Constituency for Tax Justice Campaign 20 School Feeding Project 21 Communication for Development (C4D) 21

7. COAST Management 22 Strengthening Regional Level 22 ICT and Development Communication 22 Credit Rating 22 Ownership to PO: PO representative in BoT 22 Constitution and Other Changes in BoT 23 Human Resource development/ Training, 24 Gender 24 Plans and Budget fr 2013-2014 25 Equity BD events successfully completed in 2012 28

8. FIS & MIS 32 Independent Auditor’s Report 32 Micro finance trend and Sustainability Analysis 33 RLF Trend Analysis for the year 2011-2012 34 Five Years Balance Sheet (FY 2008-2012) 38 Five Years Income and Expenditure Account (2008-2012) 39 Five Years Balance Sheet Trend Analysis 40 Statement of Consolidated Financial Position 43 Statement of Consolidated Income 44

Table of Content


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9. Tables, Cases and Boxes

Box 1: Mobilizing Civil Society for Communal Harmony in Cox’s Bazar 08

Box 2: COAST expresses compassion and helps the victimized religious minority families in Noakhalli 12

Box 3: Building a society based on international Human Rights Charter 14

Box 4: Human Dignity is the First, Staff conferences 2012 27

Box 5: Legal recognition and special policy for fishermen demanded 37

Box 6: Let’s protect anymore Ramu Disaster in future 42

Case 1: Rahima’s dream is flying with ducks 10

Case 2: Tasmina advanced on Beef fattening 11

Case 3: Climate Migrant Deloara makes a way of survival 12

Table 1: Financial status of PO in 2012 13

Table 2: List of social actions initiated by the PO leaders in 2012 14

Table 3: COAST Coverage 16

Table 4: Constitution and other changes in BoT 23

Table 5: The BoT and Management Team 25

Table 6: The management team of COAST 26


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ADRRN Asian Disaster Reduction & Response Network

ANC Anti Natal Care

APRN Asia Pacific Research Network

ANLAP Active Learning Network for Accountability and Performance

AWD Alternating Water and Dryness

BAPA Bangladesh Paribesh Andolon

BARCIK Bangladesh Resource Centre for Indigenous Studies

BCAS Bangladesh Centre for Advance Studies

BDT Bangladesh Taka

BIPNetCCBD Bangladesh Indigenous People’s Network for Climate Change and Bio-Diversity

BJS Branch Jana Sangathan

BoT Board of Trustees

BMTC Bhola Management and Training Center

BNNRC Bangladesh NGOs Network for Radio and Communication

BDPC Bangladesh Disaster Preparedness Centre

C4D Communication for Development

CCDF Climate Change Development Forum

CDF Credit and Development Forum

CDP Coastal Development Project

CFGN Climate Finance Governance Network

CITEP Coastal Integrated Technology Extension Program

CIVICUS World Alliance for Citizen Partnership

CLS Community Legal Service

CMTC Cox’s Bazar Management & Training Center

COAST Coastal Association for Social Transformation Trust

CPDE CSO Platform for Development Effectiveness

CR Community Radio

CREP Coastal Renewable Energy Project

CRISL Credit Rating Information and Service Limited

CSO Civil Society Organization

CSRL Campaign of Sustainable Rural Livelihoods

DC Deputy Commissioner

Acronyms


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ECDC Early Childhood Development Centre

ECB Election Commission of Bangladesh

EFA Education for All

EJFB Environment Journalist’s Forum

EquityBD Equity and Justice Working Group, Bangladesh

ESP Education Service Provider

EWG Election Working Group

EU European Union

FEDEC Finance for Enterprise Development and Employment Creation

GRDM Gender Relation Development Meeting

GKP Global Knowledge Partnership

GO Government Organization

GOB Government of Bangladesh

HAP Humanitarian Accountability Partnership

ICT Information and Communication Technology

ICVA International Council for Voluntary Agencies

IED Institute of Economic Development

IGA Income Generating Activities

IMF International Monetary Fund

INAFI International Network of Alternative Financial Institutions

IPT Interactive Popular Theatre

LDC Least Developed Countries

LGI Local Government Institution

LGP Local Government Project

MCSP Marketing of COAST Special Products Project

MF Micro Finance

MFI Micro Finance Institution

MIX Microfinance Information Exchange

MJF Manusher Jonno Foundation

MoPME Ministry of Primary and Mass Education

MP Member of the Parliament

MYDAS Micro Industries Development Assistance and Services

NCCB Network for Climate Change Bangladesh

NGO Non Government Organization

NGOAB NGO Affairs Bureau

OD Overdue

PACJA Pan African Climate Justice Alliance


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PARSES Participatory Actions towards Resilient Schools and Education System

PCFS People’s Coalition on Food Sovereignty

PKSF Palli Karma Sohayak Foundation

PNC Post Natal Care

PTA Parents Teacher Association

PO People’s Organization

RBA Right Based Approach

RJS Region Jana Sangathan

ROSC Reaching Out School Children

SAAPE South Asia Association for Poverty Eradication

SDC Swiss Agency for Development Cooperation

SECDI South East Coastal Development Initiative

SF Strømme Foundation

SFP School Feeding Project

SLP Seasonal Loan Program

SMC School Management Committee/Shomity Management Committee

UJS Union Jana Sangathan

UK United Kingdom

UMS Urea Molasses Straw

UNICEF United Nations Children’s Fund

UNFCCC United Nations Framework Convention on Climate Change

UP Union Parishad

VAT Value Added Tax

VGD Vulnerable Group Development

VGF Vulnerable Group Feeding

VOICE Voices for Interactive Choice and Empowerment

WFFP World Forum for Fisher People

WRWD World Rural Women’s Day


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Lighting the wayexecutive Summary

Having an aim of socio-economic and sustainable development of the coastal poor of Bangladesh, COAST Trust (Coastal Association for Social Transformation Trust) starts its operation in Bhola on January 1, 1998. Through a painstaking journey with a pertinacious endeavor the organization gradually develops and expands its operation to 6 more coastal districts of Bangladesh i.e. Cox’s Bazar, Chittagong, Noakhali, Laxmipur, Feni and Patuakhali leaving footprint of development and empowerment of women and disadvantaged people. COAST plans to extend over 5 more coastal districts by 2015.

All the programs and projects of COAST are divided into two core areas i.e. Economic Justice (EJ) and Social Justice (SJ). EJ focuses on micro finance (MF) which is comprehensively driven by a Right Based Approach (RBA). EJ integrates Coastal Integrated Technology Extension Programs (CITEP) and Primary Healthcare and Nutrition entirely for the beneficiaries.

On the other hand, SJ aims to build an alternative power structure for and by the poor at the local level that has turned into the People’s Organization (PO). The unity of poor people towards building a space to realize their legitimate rights and entitlements as a human being has already achieved a level of capacity of demand mediation, organizing issue based mobilization and capability of challenging the public service

delivery institutions in case of any irregularity and corruption. The goal of SJ is to establish People’s Organization (PO) participated and led by the poor and marginalized people, who are the member participants of COAST, in order to facilitate the local governance, development education, campaign and advocacy etc. as the basic requirements of sustainable development. The member participants of COAST and their leaders are directly involved and effectively participate in all the SJ activities.

The core programs of COAST consist of program components of micro finance with right based approach, CITEP, primary healthcare & nutrition, PO, access to local governance, social action and demand mediation, campaign, advocacy and networking, disaster management and legal endowment fund. The surplus income of MF runs the core programs. COAST also doesn’t believe in developing services or programs that supplements to government, rather it facilitates and builds capacity of the poor to effectively claim their legitimate demand from state agencies available in grass root. In broader term, objective is also to develop an accountable relation and active citizenry.

COAST now has 824 regular employees and 734 out of them are in the frontline being directly involved with the member participants and the rest 90 are involved in the management, finance, monitoring, communication, training and project coordination. COAST facilitates all the activities from its principal office located in Dhaka, the capital of Bangladesh, having five regional offices in Bhola, Chittagong, Cox’s Bazar, Noakhali and Patuakhali.

The Board of Trustees (BoT) is the highest policy making authority of the organization and consists of 7 members headed by a chairperson. Two of the members are co-opted directly from the poor families, elected by the PO to represent in the highest authority. The Executive Director (ED) is the ex officio secretary of the BoT.

ED is the chief operating official of the organization having one Director and 7

The unity of poor people towards

building a space to realize their legitimate

rights and entitlements as a human being

has already achieved a level of capacity of demand mediation,

organizing issue based mobilization and

capability of challenging the public service

delivery institutions in case of any irregularity

and corruption.


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Assistant Directors in his support to achieve the organizational goals, objectives and targets of different sections and programs. Other important positions in the organization related to program implementation are (in descending order): Head, Senior Coordinator, Regional Program Coordinator, Coordinator, Assistant Coordinator, Manager, Assistant Manager, Branch Manager and Credit and Development Officer. There are two Regional Team Leaders (equivalent to Senior Coordinator) who coordinate in implementing all the programs and projects in the respective regions while the Project Coordinators (equivalent to Coordinator) are responsible for operating different projects.

The total number of member participants during this reporting period is 131,616 comprising 128,936 female and 2,680 male members. The total number of MF members is 81,616 under 4,060 groups in the working areas of COAST. The revolving loan fund under MF of COAST is US$7.89m and group members’ savings is US$2.6m. The target for MF service charge for this fiscal year (2012-2013) was US$1.95m and the achievement is US$1.83m so far, which is 6% under the target due to the less fund flow in time. The total loan disbursed (cumulative) to the member participants is US$74.03m.

Programs and projects have been being implemented so far during 2012-2013 are as follows:

a) South East Coastal Development Initiative (SECDI) is providing education for the poor in the rural areas of Cox’s Bazar district since 2003 with the support of Strømme Foundation (SF), Norway. There are four components in this program i.e. ECDC (Early Childhood Development Center), Sanglap for the adolescent girls, Prattay for the adolescent boys and Assistance for the quality education in the registered primary schools. The number of direct beneficiaries is 2,500 children that covers around 20,000 people as indirect beneficiaries in the project area.

b) Coastal Integrated Technology Extension Program (CITEP) is an important part of the core program and runs by the income of MF. This program promotes not only livestock and poultry as an alternative asset for the coastal community people but also establish a chain of poultry or livestock business where the beneficiaries contribute to the different part of the chain and help each other. Thus a chain accommodates many families to run a small business and builds a market for their own products, which in turn contributes to poverty eradication.

c) Communication for Development (C4D) is promoting sustainable behavioral and social change in the convergence districts of Bangladesh like Bhola, which is the location of this project which is funded by UNICEF. The major outcomes of this project are to

promote behavior, social and policy change through meaningful participation of communities and dialogue with the service providers. The direct beneficiaries of this project are 45,954 that is expected to cover around 350,000 indirect beneficiaries.

d) Primary Health Care and Nutrition Program is also a part of the core program and run by the micro finance income. Outreach Islands of Bhola and Cox’sbazaar districts are the area for this program where public health service is rare to get. The major outcomes of this program are: regular primary health care to the people of remote islands, increase awareness of mass people on health issue, door to door support to pregnant mother, reducing mortality rate of infants and pregnant mothers and broaden opportunities for planned family. Total 27,219 beneficiaries are directly and 241,215 are indirectly benefited from this program.

e) Community Based Disaster Management is also run by the MF income. From the 1% income of MF is deposited separately as quarterly basis for facing the different disasters. Now COAST has a total of US$ 32,500 in its disaster management fund and spent US$ 1,140 during 2012. The organization has also a standby disaster policy. A wireless communication is in-built from small islands to Bhola Management and Training Cetre and Cox’sbazar Management and Training Centre so that the cyclone tracking message can be disseminated to those areas. There are two rescue boats in Kutubdia and Dhalchar islands.The direct and indirect beneficiaries of this program are respectively 81,099 and 776,230.

f) Strengthening Local Governance for pro-poor Service delivery is another project of COAST funded by Manusher Jonno Foundation (MJF). The goal of this project is to enhance the well being of poor people through establishing pro-poor and responsive local governance. The objectives are to improve the responsiveness through institutional development of LGI (Local Government Institutions) especially the Union Parishad and to create a proactive people’s organization to claim and defend their rights and entitlements on behalf of the community people.

g) Marketing of COAST Special Products (MCSP) is a project to facilitate the beneficiaries in producing alternative food as an income increasing activity. PKSF (Palli-Karma Sahayak Foundation) funds this project under one of its program titled Finance for Enterprise Development and Employment Creation (FEDEC). COAST has been implementing the project since September 2011 and promoting seaweeds and dry fish free from toxic chemicals as an alternative but very nutritious food to fulfill the need of protein and other food value of the community.

h) A campaign program titled “Promoting Baseline Constituency for Tax Justice Campaign in


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Bangladesh” is being implemented by EquityBD (a program component of COAST for national level networking, campaign and advocacy) in association with Tax Justice Network International, United Kingdom (UK) for the period from 1st July 2012 to 30th June 2014. The goal of this program is enhancing internal resource mobilization for development with responsive and accountable governance to build Bangladeshi society with Equity and Justice.

i) School Feeding Project (SFP) distributes fortified biscuits among the students of primary schools and initiates activating School Management Committee (SMC) and Parents Teachers Association (PTA) in this purpose. This project is funded by a joint collaboration of Bangladesh Government and European Union (EU) to address the commitment of ensuring Education For All (EFA) by 2015 by retaining school children and reducing their malnutrition through active involvement of parents, teachers and education department. COAST is working on 155 government and non-government schools in Cox’s Bazar, Noakhali and Laxmipur district.

j) Observing election process for democracy and strengthening the democratic institutions is another important activity of COAST. COAST mobilizes these activities under “Election Working Group (EWG)”, a network of 29 leading NGOs to enhance the transparency and accountability of the elections held in Bangladesh. The activities include observing voter re-registration during August to November 2012 and voter list audit in December 2012. The Asia Foundation provides the fund and technical support.

k) COAST has formed a campaign and advocacy network titled equity and Justice Working Group (equityBD), to engage the civil society to promote policy debate and practice changes linking micro and macro level mobilizations in Bangladesh. Last year EquityBD acts promote crtical mass concerning climate finance management, tax and own resource mobilization, CSO and media capacity on climate finance monitoring, pre and post Durban climate negotiation from the point of view of CSO, climate migrants’ right, etc. COAST played a key role in organizing the South Asia Social Forum, especially giving secretarial and staff support for web site management, wireless communication, finance and budget control.

It was just a picture someone tagged in facebook, a social networking web site. The picture desecrated the Quran, the holy book of Muslims, was found in the facebook timeline of a Buddhist young called Uttam Kumar. This simple event ignited a historical communal rampage in Ramu in Cox’s Bazar in September 2012.

At least 14 Buddhist monasteries were torched and burnt to ashes in Ramu, Patiya and Ukhiya. 10 Buddhist villages including Srikool, Merongloua, Cherenghata, Ukhiyar Ghona, North Fatekhar kul, Jadipara and Askarkata were attacked and around 30 houses were torched with more than a hundred structures were damaged.

The situation could even worse. COAST being a local development organization felt urgency to do something in order to protest this communal violence and outrageous attitude to each other.

COAST along with the PO called for a public gathering to immediately establish a communal harmony in the community. A slogan was set Shobar Upore Manush Sotyo, Tahar Upore Nai means in English “Nothing but Mankind is the highest spirit.”

Above 300 participants were present at that meeting including Buddhist, Muslim and Hindu men and women. The seniors and wise community leaders representing two confronting

religious communities were present and expressed their condolence on what happened. Women of the grass root people’s organization of different religions, local stakeholders, religious leaders of Muslim, Buddhist and Hindu community, cultural leaders, academicians, elected representatives and opinion leaders were also get together.

They uphold the century long communal harmony of Ramu among the inhabitants of different religions. They strongly said that the miscreants were not from the local people, they have come from outside of Ramu for the vandalism.

Mobilizing Civil Society for Communal Harmony in Cox’s Bazar Box 1


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Micro FinanceCOAST Trust has passed another year of remarkable progress in micro finance operation during 2012. Notwithstanding the activities having continued expansion and increased diversification of products. The performance indicators remain sound and healthy and evident. In addition to the expansion and consolidation of the programs, COAST has been strengthening the Income Generating Activities (IGA) for the member participants by providing various support services e.g. skill development training to the staff and to the member participants on different IGA. Technologically sound management systems in branch level have been actively trying to improve their status.

At present COAST is working with 84,400 poor families who are being supported with revolving credit of US$6.34m.

Since 1995, along with the enhanced level of income and asset building programs for the coastal poor, COAST has been reorganizing a process of integrating a Right Based Approach (RBA) with its Micro Finance (MF) program to enable the poor families so that they can claim their rights and entitlements from the government service providing agencies. These activities are run by the surplus of the progressive micro finance program.

For enhancing the interest of the member participants a Seasonal Loan Program (SLP) is introduced specially for beef fattening since 2009. This program is financed

by PKSF with an objective to increase the protein supply in the nation and financial benefit of the members.

Now the SLP targets some different IGA like salt production in the south-east coastal area and dry fish production and processing. The program covered 870 member participants in 2011, and the number increased up to 1,673 in 2012 through disbursing loans of US$ 202,532 along with providing necessary training and technical support.

Now the members are earning more or less US$ 50 per month, as we find in the field research, and become successful in terms of recovery of their credit.

CItep Coastal Integrated Technology Extension Program

For the development of the livestock and poultry asset of the community, COAST Trust continues with CITEP activities in its working area. The group members faced tremendous loss every year due to the outbreaks of different infectious diseases of their domestic animals and poultry. This program provides vaccines to protect the livestock and poultry asset of the community from different kinds of diseases. Fulfillment of the protein demand of the poor people and technology transfer are the main motto of CITEP.

Services for livestock and poultry farming are being provided from all the 54 branches under Bhola, Noakhali and Cox’s Bazar regions.

Usually the technical officers select one member from the community and train him/her on rearing livestock

Economic Justice

Technologically sound management systems in branch level have been actively trying to improve their status.

At present COAST is working with 84,400 poor families who are being supported with revolving credit of US$6.34m.

One of the trained member is vaccinating the poultry of the community members. CITEP trains up some of the member

participants to serve the community.


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or poultry. Till now 15,774 members (12% of the total member participants of COAST) have been trained up and out of them 10,379 members are working on different IGA. Having been under this program, the members are successful in IGA. Besides, vaccines and other primary medical services including medicines are also being provided.

In the cases of duckling and chick rearing, all activities are being maintained by the poultry model chain. Under the same chain the selected members play complementary roles for each other i.e. some of them maintain mini hatcheries, some brood young chick and duckling up to 8 weeks, some of them are model breeders, some provide vaccines, some sell poultry feeds and onwards. As long as the chain functions positively, the marketing process for everyone becomes easier than before. Being the important stakeholders of a chain the farmers depend on each other and help back and forth.

At present there are 20 model chains effectively working in the fi eld manifesting the measurable success.

COAST is also trying to produce pesticide free natural vegetables by the farmers in their home space and land. Insects are not always harmful for crops and even they keep the environment balanced sometimes. COAST introduced sex pheromone process to kill a particular type of insects instead of using chemical insecticide to kill everything. This is not only environment friendly but also a low cost process.

A comprehensive seed preservation model called MARIA is introduced to the member participants, which is able to reduce the cost of quality seed preservation. To reduce wastage of water by using AWD (Alternating Water and Dryness) method is also a popular method to the coastal farmers.

This program also serves the fi sh farmers for increasing fi sh production in their small ponds, paddy fi elds through providing technical supports.

Rahima’s dream is fl ying with ducksAn ordinary housewife Rahima Begum who is the mother of four kids lives beside the mighty river Tetulia in Kochua khali village in Lalmohon, Bhola. Rahima’s husband Shah Alam used to be a fi sherman as they lived right beside the river.

Shah Alam was the only earning member of the family and faced seasonal unemployment during the periodical ban on fi shing and dry season. On top of it they have been fi ghting the climate effects like cyclones and other natural disasters. They even used to run out of food some days. The kids stopped going to school due to the extreme poverty.

Rahima took a loan from COAST but found hardness to repay with the very low income of fi shing after maintaining the family. Rahima used to have some chicken on her small yard. At this time she came across duck rearing in the islands where natural food is available for a big fl ock of ducks like insects, snails and shells, small fi sh and leftover rice in the fi eld etc.

Rahima felt interest to learn more on it and took 3 days training from COAST. Being confi dent after the training she took a small loan of US$ 190 from COAST and bought 100 ducks. Shah Alam started looking after the ducks instead of wasting time by hunting the fi shless river risking his life. Rahima didn’t forget her training and did no mistakes of giving vaccines in time by her own.

Day by day the number of ducks in the fl ock increased and ended up in 450 ducks which costs approximately US$ 2,000. Rahima appointed another woman for managing the fl ock and she is also earning a living on the duck along with them.

By this earning they could spare a huge cost for the marriage ceremony of their two daughters. They also bought a piece of crop land of 1.5 acre and a small pond for fi sh-culture as the duck droppings is quite worthy as fi sh feed. They have fi sh worth of US$ 250 in the pond. They sell ducks, eggs and fi sh regularly. Many people come to buy their products and that’s why Rahima is no longer an ordinary housewife. She is quite famous in the community.

Rahima bought a solar panel for the electricity in her household. Two of her kids are now going to school.

Farmers are producing pesticide free vegetables with the technical help from the CITEP programs

Case 1


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The statistics in this relation are as follows:

• IGAtrainingprovidedto15,774members;

• Minihatcheriesrunby20members;

• Modelbreeder44;

• Poultrykeepersrunby2,834;

• Duckkeepersby4,438;

• Goatkeepersby3,159;

• Buckstationsrunby62;

• Cowrearingby5,033members;

• Beeffatteningby1,235members(seasonal);and

• Poultryvaccinatorsby115.

primary Healthcare ServiceCOAST MF believes in Right Based Approach and is always keen to ensure primary and basic health services to the poor and disadvantaged population over the coastal and small island areas, which are really far from the state’s health infrastructures and services.

COAST provides different health and family planning services to the disadvantaged community people. In Moheshkhali, Pekua, Chakoria and Kutubdia Upazilas under Cox’s Bazar district and in Charfassion and Monpura Upazilas under Bhola district and Golachipa and Dashmina Upazilas under Patuakhali district COAST has been implementing primary healthcare service program out of its own income from MF.

Under this program COAST provides Anti Natal Care (ANC) and Post Natal Care (PNC), Family planning service and counseling to the able couples, primary treatment and minimum medicines with cheap cost. COAST’s paramedics have been providing primary healthcare services to mothers and children to the people of islands and small sand bars. So COAST’s endeavor is to ensure

minimum healthcare for the community. To ensure regular healthcare COAST has developed 15 paramedics from the local community by providing them training on primary healthcare from Gono Shastho Kendro, a renowned non-government health organization.

Traditional Birth Attendees have also received training on safe motherhood and reproductive health. Regular orientation sessions are being held on different important health issues by paramedics and Traditional Birth Attendants.

legal endowment FundCOAST has developed a fund in order to assist the disadvantaged and poor people in the coastal areas when they are victimized by rape, acid throwing and minority eviction. It is very diffi cult for a poor people to bear the medical and legal expense when s/he is victimized. Considering this, COAST has created and maintain this fund for them. It also creates an environment that such an incidence cannot go without challenge, so, there will be a drastic reduction of such incidence in future.

All the member participants who take MF loans from COAST annually deposit US$ 0.076 and this small amount accumulates to create a fund and bear all the expenses of social action activities in the branch, upazila and regional level. The money left after those social action activities is called the Legal Endowment Fund.

Financial assistance is provided from this fund for the medical and legal expenses in three types of cases i.e. rape, acid throwing and eviction of minority people. COAST has printed a leafl et stating the information about the availability of the medical and legal assistance for the poor in the three cases so that any of the victimized

Case 2

Tasmina advanced on Beef fatteningOne of the group members, Tasmina, wife of Salim lives in Moralia village in Kutubdia. This year (2012) she received a loan of US$ 253 for beef fattening consecutively 4th time. With the previous experiences and a training this year she dared to start with an ox. She purchased a bull ox in a comfortable rate from the local market. She maintained all the vaccines and other cares respectively for the ox.

In addition to the favorite local custom of feeding boiled rice Tasmina applied the UMS feed (a mixture of Urea, Molasses and Straw) and green grass.

Tasmina sold the ox within 65 days in the local market with a profi t of US$ 76. Right after that she bought another ox from the same market on US$ 150. During Eid ul Adha she sold the second one with a profi t of US$ 51.

Within 4 month Tasmina earned US$ 127 from beef fattening project.

Tasmina’s friend Mahmuda who lives in Koiar Beel earned even better. She bought a ox with US$ 316 and sold with US$ 570 during Eid ul Adha.


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people of the working area can take the advantage of this service. The leaflets are distributed by the branch offices.

The current balance of the fund is US$ 25,543.

Disaster Management FundCOAST working areas i.e. South central islands in the Bay of Bengal, are exposed to the very frequent natural disasters over the year. In order to minimize the loss of community people during disasters and to respond initially, a disaster management fund has been created through the deposition of 1% of the service charge from micro finance program.

The member participants who are affected by any natural or man-made disasters are provided this financial assistance from this fund so that they can initially organize the daily essentials, medicine and safe drinking water etc. for the sustainability.

The worst affected victims got support from this fund during cyclone SIDR in 2007, cuyclone AILA in 2009, Communal violence in Ramu in 2011, hailstorm in Manpura in 2011, flash flood in Cox’s Bazar and Chittagong in 2012, capsize of MV Nasrin in 2005 and capsize of MV Koko-4 in 2008.

Now COAST has a total of US$ 32,500 in its disaster management fund and spent US$ 1,140 during 2012.

Deloara was forced to migrate from Kutubdia island to Cox’s Bazar in 1991. The place she lives now is called Kutubdia para, means a place where people from Kutubdia live. This a big example of climate migration in Bangladesh.

Delaoara’s husband used to be a fisherman, but after the migration his income came under threat. He is now engaged with dry fish business. It was really hard to start living in a new place with a big family of 2 daughters and 3 sons.

Delaoara starts looking for a source of income by her to add on her husband’s. She comes across various development activities of COAST. The branch manger advises her to form a group and she starts talking with her neighbor women who also are very poor. She along with the other women forms a group called Madina and she is elected the group chair.

She gets a loan of US$128 and starts cow rearing straightway. She repays that in a regular 45 installments and graduates to take the next amounting US$195. She invests the whole amount for the same purpose. Being succeeded in the second loan she submits her 3rd loan proposal for US$325 and invests in beef fattening scheme.

Her husband starts to be engaged with her besides his work in the dry fish processing labor. The loan from COAST gave Deloara a lift to overcome a survival after being uprooted from their land due to climate change. Now her children go to school to encourage her to dream that someday her children will be educated and find an honorable job.

Climate Migrant Deloara makes a way of survival

COAST expresses compassion and helps the victimized religious minority families in NoakhalliCOAST feels deep compassion for the 73 families in Rajganj in Noakhali get victimized by the communal attack by some unidentified groups. COAST is glad to help immediately 26 families who were found in complete extinction.

The rampageous event took place on 28th February evening when the homesteads of the 73 families belong to the religious minority were burnt down. COAST colleagues in the local office immediately take a visit next day and identified 26 vulnerable families. The official gave them a receipt on the spot and asked them to come to the office on 3rd March to receive the money.

COAST gave each family 5,000 Taka considering it is not enough but quite useful for immediate recovery. COAST urges the govt. to take care of the families and duly compensated.

Box 2

Case 3


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people’s organization: A quest for alternative power structure and ownership in organizational management

People’s Organization (PO) is a unique component of COAST that has made COAST quite different from other micro finance institutions operating in Bangladesh and has given the program a human face.

Followed by a democratic process PO is a formulated community based organization for and directly participated by the member participants. PO is formed with the vision to increase women’s empowerment and to develop their economic, social and political status within the community.

Primarily, the management committee of a MF group forms a people’s organization which is called Branch Jana Sangathan (BJS) through a direct election process. The word Jana Sangathan means in English People’s Organization. In the same way, the Upazila Jana Sangathan (UJS) is formed out of BJS leaders and accordingly upwards Regional Jana Sangathan (RJS) is formed.

Social Actions and Demand MediationPO leaders work for legitimate demand mediation especially with the local government and state agencies in favor of the poor and disadvantaged people of the coastal area. As the leaders are women, they always prioritize to address the women issues having a view of women’s empowerment and gender equality in the society in the long run. The PO leaders get involved in the social actions for esthablishing social justice in view of constitutional and universal human rights.

Social actions means a team effort initiated by the women leaders to protest any kind of

Social Justice

human right violation takes place inside their community. They have achieved a clear idea about the HR violation or violence against women through many training sessions and development education. For an example, they protect the young girls from early marriage which is very common in rural areas. Even they take assistance from the local law enforcers if necessary.

The PO also organize and participate in various issue based mobilizations and movements at district and upazila levels to address any right violation issue or realizing any people’s demand.

COAST’s ambition is someday the leaders would be able to represent in the local councils or public assemblies in different level in Bangladesh. These PO leaders have already proven their capacity and skill of working for

PO is a formulated community based organization among and by the member participants. PO is formed with the vision to increase women’s empowerment and to develop their economic, social and political status within the community.

Gathering of the PO leaders in Ramu Branch in Cox’s Bazar on the election day

Financial status of PO in 2012

Total income : US$ 6,671

Total Expense : US$ 4,958

Endowment fund : US$ 7,063

FDR : US$ 18,109

Cash and Bank balance : US$ 7,434 (at the end of 2012)

Table 1


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people and their commitment by being elected in different union and upazila councils and municipalities in recent years. 63 of the women leaders have been elected in direct election in those local government bodies as people’s representative.

They mobilize a good number of social actions i.e. 944 over the year in their own community in order to assist the right-violated people. COAST implements this component by its own income from MF.

This is how COAST is building an alternative power structure in favor of poor and disadvantaged in its working area.

Sl Title of Social Actions No’s of Output/Impact achievement

01 Clutching Social Safety Net Services 402 Poor and disadvantaged people (VGD, VGF cards, Old allowance, widow got assistance allowance) for legitimate beneficiaries.

02 Ensure obtaining sanitary latrine and 01 Sanitation facilities ensured for tube-well to primary school. children at registry primary school

03 Mediation for obtaining stipend for 78 Education rights of children established primary school children

04 Support to Alternative Dispute Regulation. 106 Legal rights upheld and supported

05 Group Effort to stop early marriage, 197 Women rights ensured divorce, polygamy and domestic violence.

06 Group effort against dowry 52 Gender discrimination protested

07 Protesting eve teasing and violence 43 Women rights established against women

08 Claiming and ensuring Parental rights of Children 03 Child rights upheld

09 Assistancetogethealthservices;delivery 60 Healthrightsforthepoordefended support, free medicine and test.

10 Group effort against eviction from Khas land. 02 Landless people’s Rights ensured

Table 2

list of social actions

initiated by the po leaders in

2012

Box 3

Building a society based on international Human Rights Charter

Upholding the theme “building a society based on international human rights charter’’ COAST Trust organized deferent events at Ramu, Ukhia and Teknaf Upazilas under Cox’sbazar district. These events were jointly collaborated by Ramu, Ukhia and Teknaf Degree Colleges respectively and comprised with rallies and after public gathering.

The participants included college students, teachers, community people, religious and opinion leaders, journalist, and people’s organizations representatives and so on. The average numbers of participants were 300 to 350 at each of the separate events.

COAST Trust distributed copies of 30 charters of universal human rights declaration and the constitutional

commitments of Bangladesh aligned with the Human Rights charters.

The rallies started from each of the college campus carrying with the banners of theme texts. After marching through the roads and local growth centers and the rallies ended with a public gathering at each of the event places.

At those public gathering the speakers expressed deep concern over the awareness level of the citizens especially the youth on Human Rights charter and obtaining the constitutional rights. They urged to young people to defend any rights violation and obey the dignity of each other in respect of religion, race or color.

A part of the ralliy held in Ukhia, Cox’s Bazar on 3rd December, 2012

The elected PO leaders of Ramu Branch


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RoSC projectReaching out of School Children

ROSC Project created opportunity of primary education for the children who are out of schooling facilities including the dropouts. This project has been being implemented through Ananda Schools (learning through joy) during 2007 to 2012. This project is funded by World Bank, the Swiss Agency for Development and Cooperation (SDC) associated by the Directorate of Primary Education of the Government of Bangladesh. ROSC Project has been maintaining the major role for achieving the goal “Education for all” within 2015. The project is being implemented by the local NGOs as Education Service Provider (ESP) and the National NGOs as Education Resource Provider (ERP).

COAST Trust was involved with the project as ERP for ensuring quality education in the Ananda Schools. COAST has worked with this project in the many remote islands where children are aged about six and over. Charfassion and Monpura Upazila of Bhola district, Noakhali sadar of Noakhali district and Moheshkhali Upazila of Cox’s bazar district were under the project coverage. There were 1,061 learning centers (Ananda School) in these three districts. COAST provided the technical supports to the teachers of Ananda Schools like foundation training, refresher training, cluster training etc. All of these trainings were the foundation and the refreshers were the imperative issues. COAST has also provided follow up supports to the schools.

Major achievements

i) The percentage of passed students in the Primary Education Completion Examination in 2012 from Ananda School was 90.41%,

ii) Most of the fake students have been dropped,

iii) Employment opportunity has been created for poor families,

iv) Literacy rate has been increased positively in ROSC working areas,

v) Early marriage of adolescent girls has been reduced,

vi) Child labor has been reduced,

vii) Students attendance level has been increased and dropout rate has been decreased.

Major learning

i) Lack of quality teacher to be provided the training,

ii) Students did not get book timely,

iii) Center Management Committee (CMC) and ESP were not active,

iv) Insufficient guidelines for implementation of the project from the Government and

v) Political influence and natural disaster were also the barriers for the school monitoring.

pARSeSParticipatory Actions towards Resilient Schools & Education Systems

COAST Trust in collaboration with Action Aid Bangladesh and financed by UNICEF had been implementing the project “Participatory Actions towards Resilient Schools & Education Systems (PARSES)” in 40 schools in 8 unions of Charfassion and Monpura Upazilas under Bhola district during July 2009 to July 2012.

The goal of the project was to focus on reducing risks and the vulnerability to disasters through innovative endeavors in the education sector. The objectives of the project were to enhance coordination and informed actions of national and community level platforms for reducing disaster risks ineducation;toincreasecapacityofstakeholdersonsustainable preparedness measures to reduce disaster risksineducation;tostimulateorganizedactionsforemergencyresponseandrecoveryineducation;andtofacilitate actions for integrating education needs in DRR (Disaster Risk Reduction) mechanisms and making education system resilient to DRR.

Activities and ServicesPhase out projects in 2012


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The major achievements of the project were:

i) Preparation of 80 participatory vulnerability analysis at schools with school management committee, parents teachersassociationsandstudentsin40schools;

ii) Formation and activated 6 students squads,

iii) Providing support to 10 most vulnerable primary schoolsforrepairingandconstructionworks;

iv) Providing training to 60 representatives of school management committees and parents teachers and associations on disaster risk reduction for enabling support to the education systems during and after disaster;

v) Organizing 1 interactive theatre show by students for disseminating preparedness messages among community,

vi) Facilitating for linkage building among participatory vulnerable analysis action plans and Upazila EducationOfficer;

vii) Providing orientation on union and Upazila disaster management committee.

viii) Collecting daily data of rainfall, temperature and humidity, regularly by 86 students from different schools;and

ix) Formed district education cluster for providing support to the disaster vulnerable education systems in the working areas.

The major outputs of the project are:

i) total 6 student squads are working,

ii) total 7,885 students, teachers and community people are involved in the DRR in education,

iii) total 10 schools have become resilient,

iv) total 6 climate change data plans have been developed,

v) total 80 action plans have been developed in 40 schools for climate resilience,

vi) total 80 representatives of school management committees and parents teachers associations have received training on DRR,

vii) total 4,000 parents and community people have became aware on disaster resilience of education system,

viii) total 100 representatives of union and Upazila disaster management committees have received training on their roles and responsibilities in respect ofemergenciesineducationsystems;and

ix) total 8 unions became active to reduce schools and education vulnerabilities.

The major learning from the project are:

i) Communitypeoplecanworkbetterifinfluenced;

ii) Spontaneous participation of community can make possibletodoanyworknicely;

iii) It is possible to hold such kind of activities by chairmen and members with perfect presentation of schools problems and

iv) Teachers, school management committees and parents and teachers associations are not so interested to go union parishad, Upazila parishad and Upazila Education Office with their school problems.

CoASt CoverageOngoing programs/ project wise direct and indirect participants and beneficiaries

1 Micro Finance Program 84,400 422,000

2 CITEP 39,113 195,500

3 Primary Healthcare 17,339 87,000

4 Education and Advocacy Project 33,000 165,000

5 LGP 17,580 26,000

6 School Feeding 58,999 300,000

7 C4D 1,116,000 1,116,000

8 CREP 6,291 31,500

9 Community based disaster management 84,400 422,000

Sl Name of the Prog/Project Direct member Indirect Beneficiaries participants/ Beneficiaries

Table 3


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SeCDI- South east Coastal Development InitiativeEducation for poor in Cox’s Bazar, 2012

COAST has been running the education program in the rural areas of Cox’s Bazar district since 2003 with the support of Strømme Foundation (SF), Norway. There are four components now in this education program which are: ECDC (Early Childhood Development Center), Sanglap for the adolescent girls, Prattay for the adolescent boys and Assistance for the quality education in the registered primary schools.

ECDC

A total of 35 ECDC for the young children have been established in 2012 in Moheshkhali, Cox’s Bazar Sadar, Ukhia and Teknaf Upazilas in the district.

The main feature of these centers is to accommodate into the seminaries (locally which is being called as Moktab) belonged to the mosques in the community. This is how the ever neglected seminaries are being engaged with the mainstream education system of the country as the young students around 5 years of age are being able to get admitted into the primary schools by completing one year of ECDC schooling. At the end of 2012 total 35 centres are running with the learners of 1050.

It increases the rate of enrollment in the registered and government primary schools up to 98%.

Shanglap

Shanglap means dialogue. This dialogue is for the adolescent girls dropped out or never could afford to go to the school due to poverty or other problems. The central goal of this schooling is empowering adolescent. This is a one year engagement of teen girls to improve life skills.

Shanglap centers normally are formed with 25 girls to build up knowledge and skills on 10 basic topics including primary healthcare, puberty, reproductive health, women and child rights, gender equality, family laws, income generating opportunities etc. One trained animator runs the Shanglap every afternoon for couple of hours except the weekend.

Completing one year classroom activities selected participants are sent to vocational training either locally arranged or in any other institions.They are trained on different income generating skills like mobile phone servicing, embroidery, food processing, bag producing etc. After successful training they are given interest free loans up to US$ 100 to start an entrepreneurship. COAST established 55 Shanglap centers in 2012 under its 8 branches in Cox’s Bazar and 1,375 adolescent girls have completed the course. They are also now involved with different income generating activities like poultry livestock, homestead gardening after getting on-farm technical training.

Shanglap Girls are in the open air classroom to learn the livelihood lessons

Activities and ServicesOngoing projects


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Prattay

Prattay is an evening school for the dropout boys of the adolescent age who are already engaged with different occupation. Total 10 Prattay centers have been established by COAST in the remote areas of Moheshkhali and Ukhia Upazilas.

The main aim of Prattay is to raise the voices and awareness of the boys especially against child labor and domestic violence. The boys are also being oriented on the same lessons including puberty, children and women rights, , HIV/ AIDS and others. From the 10 Prattay centers 200 boys have completed the one year course. Among them 12 boys got the training on driving.

Assistance for quality education

The idea of this component is to provide assistance for quality education to the registered primary schools which are lagged behind for being in the rural areas.

The specific objectives of this component include but not limited to: creating a fearless and enabling environment forthechildrenintheschools;Enablingthemanagementcommittee to be engaged in the development initiatives for the school and make them aware of their responsibilities to the school.

In 2012, 6 schools in Ramu, Ukhia and Moheshkhali Upazilas have been provided the assistance and 2961 students got the benefits.

Strengthening local Governance for pro poor Service DeliveryCOAST believes that local government has an important role to ensure the rights of the poor at local level. Considering this view, COAST always prefers to work with the local government on the basis of assisting each other.

Initially, it was an integrated project of COAST titled “Promoting Local Civil Society and Capacity for Human Right and Governance: A Micro-Macro Linkage” which used to be the 1st phase of the project funded by Manusher Jonno Foundation (MJF). Both COAST and MJF have had the analyses on the activities and achievements of the project and 2nd phase titled “Strengthening Local Governance for pro-poor Service delivery” is now running.

The goal of this project is to enhance the well being of poor people through establishing pro-poor and responsive local governance.

The objectives are to improve the responsiveness through institutional development of LGI (Local Government Institutions) especially the Union Parishad and to create a proactive people’s organization to claim and defend their rights and entitlements on behalf of the community people.

Project Location: Total 12 unions under 6 upazilas in Bhola district.

Target beneficiaries households: Direct: 17,580 Indirect 25,672.

Project cost effectiveness: The Project is being implementing in 12 UPs (Union Parishad) but the entire district is being benefited as the sharing meetings are being held along with the 52 UPs initiated by the DC (Deputy Commissioner).

a. 9,335 poor people have been included in the government’s Social Safety Net program which worth US$ 79,132 by the project intervention and contributing to the cost saving also.

b. IGA initiatives have been increased the income of the 728 beneficiary families up to US$ 25 per month in an average.

c. Being facilitated by the project, 483 poor people have got access to common resources of the government. This opportunity has created new income source for the project beneficiary and increased their income and its accumulated value is approximately US$ 23,000 per year;

d. The target of the project was to achieve 60 joint development actionsbythematchingfund;but88 community actions have been taken by their own contribution leveraging a monetary value of US$ 25,500 per month.


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Major challenges are faced by the project

a. Partisan politics: Most of the chairmen in 12 unions belong to the opposition party and are under pressure by the local leaders of the present ruling party. So it is difficult to run the activities according to the planned way and time.

b. River erosion in the respective area is increasing and intensifying the poverty and undermining the existing government effort.

Lessons learned through the project

a. Accountability and transparency of the service providers are ensured when beneficiaries are motivated and skilled to raise voice for their demand.

b. Social audit by the community and UP standing committee and dialogue with officials of state service agencies can increase existing government and NGO services for people.

c. Effective UP coordination meeting is necessary to leverage all services at the UP level.

Marketing of CoASt Special products project (MCSp)Bangladesh is a small and densely populated country. Therefore, producing more safe and alternative food is necessary. COAST undertook a project titled “Marketing of Coastal Special Products project (MCSP)” to facilitate the beneficiaries to produce safe and quality seafood as an income increasing effort.

PKSF (Palli Karma Sahayak Foundation) provided a fund from its Value Chain Development Project which is run with the title Finance for Enterprise Development and Employment Creation (FEDEC).

The objectives of the project are creating new employment opportunities, reducing the poverty of the project beneficiaries and producing safe and quality seafood.

The project has been kicked off since 1 September 2011. The duration of the project is two years.

Healthy Dry Fish Production and Market Linkage to Increase Producers’ Income

Total of 200 member participants in 10 groups have been selected, who have been producing dry fish for long time in the traditional way. COAST provided training to the selected producers and supplied instruments for producing dry fish following the improved methods which are free from dust, pesticides and other health hazard toxic chemicals. The project area is Nazirartek in Kutubdiapara which is famous for dry fish production in Cox’s Bazar.

As a result of the project, the quality and safe dry fish production have been increased now. The producers’ income is increased up to US$ 1.2 per kilogram of dry fish. Now the beneficiaries as well as local producers are interested to produce dry fish by adopting the method.

COAST is also facilitating to create a market access for these products by promoting in the local market and building awareness on the chemical free dry fish through billboard display and arranging workshops locally.

Scientifically Seaweeds Culture Method Expansion and Farmers’ Income Increase

The project areas for the seaweeds culture are in Saint Martin’s Island, Shah Parir Dwip and Teknaf beach under Teknaf Upazila and Pacher Dwip under Ukhiya Upazila in Cox’s Bazar district. The total number of the seaweed culture producers is 180 farmers in 10 groups.

The farmers received training to produce seaweeds by following modern and scientific technologies which is invented by Professor Dr. Mohammad Zafar, the professor of the Institute of Marine Sciences & Fisheries of the University of Chittagong.

The trained farmers are producing different kinds of seaweeds which were not much familiar as human diet. Through the project interventions gradually it has been being popularized as a very healthy and nutritious food.

Along with the training for producing COAST also has been promoting the seaweeds by popularising cooking recipes of the algae species. By producing seaweeds through the net or line culture system one beneficiary can earn US$ 70 to 100 per month.

Sea fish drying inside net in Najirartek (left) and different kind of seaweeds being produced in St. Martin island


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electoral process observed by CoAStFor strengthening the democratic institutions COAST undertook different activities in 2012 focusing on electoral process performed by the Election Commission of Bangladesh (ECB).

COAST mobilized all of its activities under an umbrella of civil society organizations called “Election Working Group (EWG)” which was founded in 2006 as a network of 29 leading NGOs to enhance the transparency and accountability of the elections held in Bangladesh.

The activities include to observing of voter re-registration of 3rd phase and 4th phase during August to November 2012 and voter list audit in December 2012.

The Asia Foundation provided the fund and technical support to carry out the activities. COAST deployed total of 35 observers to complete the assignment.

The working areas were Charfession and Borhanuddin Upazila in Bhola district, Teknaf and Ramu Upazila in Cox’sbazar districts and Lama, Bandarban Sadar and Alikadam Upazilas in Bandarban district.

COAST observers visited voter registration centers and hadconversationwiththeelectionofficials;theobserversalso went to the households door to door to talk to new voters and to observe the effectiveness, accuracy and accessibility of information, campaign and to assess the performance by election officials at local level.

The observers also visited the Upazila Election Offices to check the voter list displayed at different growth centers and election offices to unveil the fact on whether all new voters are enlisted or not. The voter list audit followed an internationally recognized tool called “Voter to list, List to Voter”.

EWG published a combined report with the country wide findings and brought those into public through a press conference. The report showed that the overall performance of ECB was satisfactory.

promoting Baseline Constituency for tax Justice Campaign

EquityBD (a program component of COAST for networking, campaign and advocacy) has started a campaign program titled “Promoting Baseline Constituency for Tax Justice Campaign in Bangladesh” in association with Tax Justice Network International, UK (United Kingdom) for the period from 1st July 2012 to 30th June 2014.

The goal of this program is enhancing internal resource mobilization for development with responsive and accountable governance to build Bangladeshi society with Equity and Justice.

The objectives of the program are:

• Tobuildcapacityofthekeycampaignersatdivisionallevel;

• TocontinuecampaignonVAT(ValueAddedTax)asregressivetopoorandblackmoney;

• Tobuildupaconstituencyfortaxjusticecampaign;and

• Toorganizecampaignforprotaxsentimentwiththespirit of self reliant development finance.

For fulfilling these objectives, EquityBD has implemented the following programs during the period of 1st July 2012 to 31st December 2012 which are:

1. Preparatory workshop on “Settling strategy of VAT and Black money campaign at Division level”

2. National seminar on “VAT is regressive to poor, Emphasize Direct Tax for Domestic Resource Mobilization”;And

3. Six divisional seminars on “VAT is regressive to poor, Emphasize Direct Tax for Domestic Resource Mobilization” at five divisions in Bangladesh.

The national and divisional seminars were completed with active participation of politicians, members of parliament (MPs) from both the ruling and the opposition parties, high administrative officials like divisional commissioner, govt. tax and vat officials, businessmen, electronic and print media, civil society, NGO leaders and other different professional groups.

The participants criticized IMF for pursuing discredited tax policy in Bangladesh. They urged that revised VAT act 2012 is regressive to the poor and government should reconsider the law which has been prepared complying with the IMF conditionality and the Government should introduce progressive tax policies considering the income capacity of the poor people. They also proposed to reform the existing tax structure and stop corruption.

One of the divisional level seminar held in Chittagong on building awareness on tax justice


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School Feeding project (SFp)“School Feeding Project” (SFP) is to distribute fortified biscuit among the students of primary schools along with interventions for activating School Management Committee (SMC) and Parents Teachers Association (PTA),andforpromotingextracurriculum;gardeningforstudents.

The duration of the project is from January 2011 to December 2014. The project is working with 101 government and 54 non government primary schools in Moheshkhali Upazila of Cox’sbazar and Ramgoti Upazila of Laxmipur districts.

This project is funded by a joint collaboration of Bangladesh Government and European Union (EU) to address the commitment of the government for ensuring education for all (EFA) by 2015, retaining school children and reducing malnutrition of the children through active involvement of parents, teachers and education department.

With a guidance of the Directorate of Primary Education, Ministry of Primary and Mass Education (MoPME) is the implementing agency. COAST is contributing 10% of project cost from its own fund.

During 2012 the project distributed the biscuits to 58,999 students in a regular basis.

The other achievements included de-warming tablets distribution, vegetable gardening in 76 schools and orientation of PTA members on 7 awareness issues (health, education, sanitation, personal hygiene, nutrition, gender, and disaster risk reduction), organizing SMC and PTA coordination meeting.

As per the primary evaluation, there are some significant achievements found during 2012. These are: • Increaseofpercentageofpresencefrom74%at2011-

to 97% at 2012. • Parentsareshowingcaretochildrenoncleanliness,• Studentsarebeingengagedinextracurriculum,• Schoolenvironmentisgettingimproved,• Studentsarelookinghealthyanddisciplinedand• Thedropoutrateistendingto0%.

Communication for DevelopmentWith the financial support from UNICEF the 2nd phase of C4D has been being implemented since July 2012 in Bhola sadar, Lalmohan and Charfession Upazila under Bhola district. The central aim of the project is to bring some behavioral changes in the society for further development of rural livelihood.

Increasing awareness to the community people on 8 key messages on behavioral changes which are i) pneumonia, ii) hand washing, iii) birth registration, iv) exclusive breast feeding, v) taking care for ANC and PNC, vi) disaster management, vii) injury prevention and viii) HIV/AIDS and3Cs;i)childlabor,ii)childmarriageandiii)corporalpunishment is the main objective of the project.

Initially the target beneficiaries of the project are students of primary and secondary schools, teachers, members of the school management committees, religious leaders, members of the UP and overall the community people.

Basic training, popular theatre show and group formation for the theatre, day observations, meetings in the tea-stalls and courtyards of the households, social mapping and action plan are the major activities through what the project is disseminating information and messages.

The lessons learnt• Teastallmeetingsalongwithdemonstrationsare

effective tools in regards of C4D • InteractivePopularTheatre(IPT)showsnotonlygive

enjoyment to the community people but also provide learning over their previous practices.

• Thereisstillstrongsupportforthecorporalpunishmentinthesocietyinsomecases;

• Femalememberscanplayeffectiveroleinruralwomen development.

Challenges• Someteachers,SMCmembers,parentsarestrongly

in favor of corporal punishment.• Lessinterestamongsomechairmenoftheward

committees• ManyoftheUPcommitteesofUnionandUpazilaare

not well functioned.

Table 4


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Strengthening regional levelDuring 2012 the authority of regional team leaders has been strengthened. All the projects and programs leaders have been under the supervision of regional team leaders. The most of the decisions have been decentralized up to the regional team leader levels. The regional team leaders are giving technical and monitoring supports and ensuring the qualitative implementation of the programs and projects under the region. They are also contributing to the development of staff through one to one training methodology. They are supervising the programs and projects in the field on behalf of the central management. They are maintaining the smooth communication with the district administration officials as part of the organization.

ICt and Development Communication Communication is the fundamental issue regarding smooth operation of different programs of an organization. COAST always promotes the best possible communication tools even if it is sometimes costly only for ensuring the best result in least possible time.

COAST decided and implemented internet facilities with laptop computers on top of the phone communication even in the remotest branch for quick feedback, monitoring and other communication purposes. All the branches have separate email ID under the organization’s own domain in the web.

COAST has been maintaining two web sites titled www.coastbd.org and www.equitybd.org which have added an upgraded value in terms of communication. By these web sites COAST is also promoting the bottom-up communication process and addressing the policy makers and civil society at different levels. Any activities run by the different programs and projects are being published in the web sites with photos and media coverage within the least possible time. This is how COAST is disseminating the update information to the external partners.

COAST also maintain several mail groups and new media tools like social networking web sites and blogs for interacting with the national and international stakeholders and CSOs on different pro-people issues. Building opinion and critical mass awareness are the major objectives of this communication purpose.

Credit ratingCOAST Trust has obtained credit rating “BBB+” in long term and “ST-3” in short term dated November 27, 2012. The Credit rating was completed by Credit Rating

COAST ManagementInformation and Service Limited (CRISL) (www.crislbd.com), a renowned credit rating registered company in Bangladesh.

Credit Rating is an independent opinion on the ability and willingness of a borrower in discharging its obligations as principal and interest as per time schedule. These opinions are provided by the rating agencies that have a license from the regulatory body, Securities and Exchange Commission.

Rating report is divided into 2 categories - Long Term and Short Term ratings to indicate the time horizon of ratings. The long term Rating covers a period of one year while the short term rating covers a period up to six months.

The methodologies have been designed after due consideration to the specific insights of each sector with appropriate weight age to both qualitative and quantitative factors of each sector. The major results of the credit rating are: i) Branding the organization complying with international

standards, ii) Good rating assists to source finance at cheaper rate

while bad rating assists an organization to take right step for improvement,

iii) The business can be known through the eye of independent professionals of high standard,

iv) It increases the cost effectiveness of an organization, v) Itreviewsthestatusofcompliance;andvi) Reviews the capital adequacy, liquidity, asset quality,

cost effectiveness, profitability, Peer comparison and management effectiveness.

ownership to po: representatives in BotThe Board of Trustee (BoT), the highest decision making body of COAST, has recently co-opted two leaders from People’s Organization into the Board. The 71st board meeting (dated January 28, 2012) decided to nominate two representatives from PO. Then two representatives of People’s Organization (PO) participated in the 72nd board meeting (dated April 7, 2012).

The principal aim of this co-option is to ensure PO’s ownership over the organization, in other words, to ensure poor people’s ownership over COAST. As a people centered organization, from the very beginning of its establishment, COAST believes people’s participation in the decision making process. The institutional effort of COAST in this regard is the PO, in Bangla Jano Sanghathan.


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The methodology of selecting the Board of Trustee (BoT) members from PO are to open selection process through two different meetings in Bhola and Cox’s Bazar on the basis of some criteria like attitude, education, duration of engagement with COAST, loans dealt with COAST, financial history, willingness to travel to Dhaka, leadership quality and achievement in the social actions.

Maintaining the mentioned process, Ms. Hazera Begum from Bhola and Ms. Afroza Knanom from Cox’s Bazar have been selected as the board members for the next three years;uptilApril6,2015.

Constitution and other changes in Bot After a threadbare discussion among all the members of Trustee, the following amendments/additions have been made in the 72nd Board Meeting.

1 2.1 The name of the Trust The name of the Trust Shall be “The Coastal Shall be “Coastal Association Association for Social for Social Transformation Transformation Trust” Trust”

2 3.4 (v) To undertake disaster To undertake disaster preparedness and post- preparedness and post-disaster disaster rehabilitation rehabilitation programs in programs in the coastal the country. areas.

3 3.5 (i) (i) Project management It has been eliminated. will be based in the coastal areas as much as possible.

4 3.6 (v) It can seek foreign It can seek national, foreign technical expertise, technical expertise, consultants. consultants

5 4.2 (Para-1) The Board of Trustees Composition of Trust : shall consist of not less The Board of Trustees shall than four (4) and not consist of not less than 5 (five) more than nine (9) and not more than 10 (Ten) Trustees. The Board Trustees. Among the Trustees, may co-opt persons at least 3 (three) of the total as Trustees. trustees will be women and 2 (two) will come as representatives of Group Members. (Group members mean persons organized under micro finance program and represented through people’s organization structure).

6 4.2 (Para-7) No Trustee can serve Tenure of Trustees. No Trustee longer than ten (10) can serve longer than three (3) years. The Trustees may terms where each term will be through a process of for three (3) years. consensus, invite other persons to become Inclusion in Trustees. The Trustees and become Trustees may through a process member of the Board of of consensus, invite other Trustees up to a limit of persons to become Trustees nine (9) Trustees, including and become member of the themselves. Board of Trustees.

7 4.7 The Board shall meet at Meeting Conduction. The Board least two times in a shall meet at least one time in

Sl Existing Original clause Amendment/Addition Clause No.

calendar year with a each three months period in a minimum of four and a year. maximum of eight months period between each meeting.

8 4.8 The Board of Trustees The Board of Trustees shall shall have a Chairperson have a Chairperson of the of the Board, a Board, a Vice-Chairperson, a Vice-Chairperson, Treasurer and rest will be the Treasurer and a Secretary. member(s). Any two or more Any two or more offices offices may be held by the may be held by the same same person, except that the person, except that the Chairperson of the Board shall Chairperson of the Board hold one office only. shall hold one office only. The Director of COAST, as its Chief Executive Officer, shall play the role of Secretary to assist the Board.

9 4.12 The Secretary/ Director of The Executive Director / Chief COAST shall keep the Executive Officer who has been minutes of the meetings appointed will act as Secretary of the Board of Trustees, to the Board of Trustees. he/ she shall cause to be given all notices in according with the provisions of this Deed, shall be custodian of the records and in general shall perform all duties as may be assigned by the Board of Trustees.

10 4.13 Eligibility of Trustees: Persons shall be qualified to Persons shall be qualified serve as Trustees irrespective of to serve as Trustees race, religion, color, creed, sex, irrespective of race, color, nationality or place creed, sex, nationality or of residence. place of residence.

11 4.16 Vacancies in the Board: Vacancies in the Board: Any Any Vacancy occurring on Vacancy occurring on the Board the Board of Trustees may of Trustees may be filled for the be filled for the unexpired unexpired term by the term by the affirmative affirmative vote of their vote of their majority. majority.

12 4.18 The Trustees will receive The Trustees will receive actual actual cost of food and cost of food and lodging lodging and either first and either first class train or class train or launch or air launch or air fare to attend the fare to attend the board Board meeting whenever and meeting whenever and wherever the place it is called. wherever the place it is They will also receive the actual called. They will also receive cost of food, lodging and the actual cost of food, traveling to visit projects of the lodging and traveling Trust too. (maximum three times in a year) to visit project of the Trust.

13 4.21 (a) Subject to the Management of the Trust and (Para-1) directions of the Board, Appointment of Executive the day to day Director / Chief Executive management of the Trust Officer subject to the policy shall be vested in the directions of the Board, the day Secretary /Director to day management of the Trust of COAST. shall be vested in the Executive Director.


Table 4


24

Human resource development/ trainingFor the development of the human resource COAST always creates a learning environment in the workplace. Here the staff can learn by doing. All the supervisors are supportive to their colleagues. One to one and class room training systems have been adopted for the development of human resource.

A prescribed methodology has been being followed by the trainees for the one to one training under the supervision of immediate and 2nd supervisors. There is also a system for assessing the improvement progress of the staff.

Two way annual appraisals is also another tool for the human resource development in COAST. An annual training plan is declared in the beginning of the year for the methodical classroom trainings focusing different skills and topics. The training curriculum and methodologies

are prepared and finalized by the direct guidance of Executive Director. All the training courses are facilitated by the senior and most experienced staff in the respective fields and sectors so that the values, norms and ethics of experiences can be transformed to the participants and properly shared.

GenderCOAST Trust believes in the gender equality. Gender equality does not imply that women and men are the same. But they have equal value and should be accorded to equal actions.

In view of this point, COAST has developed a Gender Relation Sector and prepared a Gender Policy which is an eminent part of the Human Resource Policy Manual.

From Gender Relation Sector, GRDM (Gender Relation Development Meeting) has been conducted in quarterly basis in Bhola, Cox’s Bazar, Chittagong and Noakhali region on regular basis.

As per the meeting findings, there have been resolved problems through interaction with respective colleagues. Problems laid with transfer, treatment facilities, maternity leave, overdue support, medical leave were dealt considering the gender perspective.

According to the policy, every woman colleague gets the facility from the organization. In the recruitment process the women are also given preferences.

Accordance with training and continuous education at least one female staff has been provided an international traininginNepalbyCOASTTrust;Onefemalestaffhasbeen obtained 5 month leaves with duly paid for her daughter’s treatment and a special treatment allowance of more than US$ 500.

The lactating mothers among the female staff in all branches are getting the facilities to feed the child and taking care of children.

14 4.21 Present Director will fulfill Has been eliminated. (Para-2) eight years by the period of January 2006, so the clause no. 4.12 (a) would be reviewed during the beginning of the year 2005.

15 4.21 (b) It shall be lawful for the The board will approve and (Para-3) Trustees, subject to the amend the policies related to provisions hereof, to frame day to day operations of Trust. rules and regulations for the administration of this Trust

16 5.7 The Director of COAST The Executive Director of (2nd and COAST Trust. 5th line)

17 15.1 The financial year of the The financial year of the Trust Trust shall being on the shall being on the first day first day of January and of July and end on the last day end on the last day of of June of each year. The December of each year. Trustee can also change the financial year when deemed necessary.

18 NA COAST Trust will conduct NGOAB its activities in conformity with rules (new inclusion) “The Foreign Donation Voluntary Activities Regulation Ordinance 1978” as it receives foreign resources under this act. COAST Trust will conduct its accounts audit and other financial activities in accordance with the instruction issued from NGO Affairs Bureau. COAST Trust will receive the foreign donation only in one principal/ mother account with the schedule bank of Bangladesh.



25

plans and budget for 2013-2014For preparing the plans and budget 2013-2014 the following planning and strategies will be emphasized:

i) Inclusion of more commercial banks with the revolving credit funds and other micro finance related products,

ii) Toexpand6morebranchesinChittagong;

iii) Stopping the current overdue and remarkable realization of bad debt micro finance and renewable energy project,

iv) New building construction in Cox’s Bazar,

v) Accumulation of surplus for increasing the capital,

vi) To prepare the new strategic plan of the organization for the period of 2013 to 2017,

vii) To streamline the central accounts as per the PKSF

instructions,

viii) To strengthen the climate change adaptation through Coastal Integrated Technology Extension Program (CITEP) in 58 branches,

ix) To increase support on the mobile banking for the beneficiaries,

x) To stop the unnecessary expenditure in view of integration of expenditure on the basis of income,

xi) To develop impact assessment device for assessing the impact level improvement of micro finance beneficiaries,

xii) Staff capacity building intervention as a continuous process and

xiii) Strengthening people for contributing to the organizational management and programs.

the Bot and Management teamProfile of Board of Trustee, Tenure : 07.04.2012 to 06.04.2015 (3 years)

Begum Shamsun The Palace, Flat No: B-2, Gender Development Consultant, Nahar- Chairperson House-12, Road-9, Banani, MSS Asian Development Bank, Bangladesh Block-G, Dhaka-1213. Resident Mission, Agargaon, Dhaka. Mobile: 01715101981 Email: [email protected]

Maqsudur Rahman Ward No-1, Charfassion, BCom (Hon) M.Com Ex-Principal Vice-Chairperson Pourashova, Charfassion, Bhola. Charfassion college, Charfassion, Bhola Mobile: 01716315745

M.Zahirul Alam, Flat-A/6, Block-B, Road-6, MSc (UK), FFA, FCA Sr. Consultant & General Manager (IA), FCA – Treasurer Plot-111, Basundhara R/A, Dhaka. Janata Bank Ltd, 48, Motijeel, C/A, Dhaka-1000. Mobile: 01191476999, Email: [email protected]

Dr. Abbas U Bhuiya Plot No: NW(D), House-9, Ph.D in Demography Interim Executive Director, ICDDR,B. Member Road-59, Gulshan-2, Dhaka-1212. Mohakhali, Dhaka. Mobile: 0171 3333012 Email: [email protected]

Dr. Tofail Ahmed Flat No:A-4 (5th Floor), BSS (Hon) MSS Ph.D Local Governance Adviser UNDP Member House-19, Road-12, Sector-4, Bangladesh Uttara, Dhaka. IDB Bhaban, Sher-e-Bangla Bhaban, Dhaka. Mobile: 017111354545 Email: [email protected]

Afroza Khanom Vill: Baidda Ghona, Ward-8, Class-VIII Peoples Organization Leader, Member Cox’s Bazar Paurashava, Cox’sbazar Region, COAST Trust. Cox’s Bazar Mobile: 01818018693

Hazera Begum Vill: Yazpur, Class-VIII Peoples Organization Leader, Bhola Member PO: CharShashibhushan, Region, COAST Trust. Upz: Charfassion, Dist: Bhola. Mobile: 01728488409

Name of BoT Permanent address Educational Qualification Profession address

Table 5


26

the management team of CoASt

1 Rezaul Karim Chowdhury Executive Director Master with Honors in Sociology 15 1st March, 1956

2 Sanat K. Bhowmik Director B.Sc. A.H. (Honors) 15 15th January 1968 Equivalent to Masters

3 Syed Aminul Hoque Assistant Director- MSS- Economics 12 16 June 1968 Audit, Monitoring & Evaluation, Campaign

4 Ahsanul Karim Assistant Director-Corporate Affairs, M Com Priliminary and CACC 14 20th June 1975 Budget & Finance Control

5 Mustafa Kamal Akanda Assistant Director- MSS (Political Science) & Med 9 23 July 1966 Human Resource Management and DRR

6 Tarik Syed Harun Assistant Director- Core Program Masters in Bangla 12 1 January 1972

7 Shawkat Ali Tutul Assistant Director- MSS (Anthropology) 12 15 March 1973 Social Justice & Training

8 Mujibul Haque Munir Assistant Director- MSS (Political Science) 6 25 December 1980 Food Security Education & Advocacy

9 Barkat Ullah Maruf Assistant Director- Masters with Honors in Bangla 10 15 August 1975 Development Communication & Research

10 Md. Shahabuddin Head-Core Program (South Zone) Higher Secondary Certificate 15 3 March 1967

11 Barequl Islam Chowdhury Head-Core Program (West Zone) Masters in Business Administration 15 6 February 1973

12 Mahmudul Hasan Head –Internal Audit Masters in Commerce 15 1 October 1977

13 Moqbul Ahmed Regional Team Leader- Masters in Bangla 10 19 August 1954 Cox’s Bazar Region

14 Mofazzel Haque Alamin Regional Team Leader- Masters in Political Science 13 15 October 1971 Bhola Region

15 Khokon Chandra Shil Community Development Officer Higher Secondary Certificate 14 5 March 1967

16 Sipon Dutta Coordinator- Accounts (CREP) Bachelor of Arts 14 15 July 1975

17 Anwar Hossain Coordinator- Monitoring & Bachelor of Arts 12 28 October 1974 Accounts

18 Hasibul Haque Coordinator- Monitoring & Masters in Management 9 17 June 1978 Accounts

19 SM Tauhidul Alam Coordinator- Information Masters in Islamic History 9 1 September 1981 Communication Technology

20 Nur Mohammad Coordinator- Human Resource Masters in Commerce (Accounting) 7 20 December 1981 Management

21 Md. Eunus Project Coordinator- Higher Secondary Certificate 14 6 August 1968 School Feeding Program

22 Asma Akter 13 Mach 1990 Management Trainee Higher Secondary Certificate 1

23 Rashida Begum Coordinator- Masters in Islamic History 11 20 October 1979 Local Governance Project

Sl. Name and date of birth Present Position Academic Background Job duration with COAST (year)

Table 6


27

24 Maksudur Rahman Regional Program Coordinator MSS (Political Science) 14 1 December 1975

25 Abdur Rahman Regional Program Coordinator Bachelor in Commerce 10 13 March 1981

26 Nur-E-Alam Regional Program Coordinator Higher Secondary Certificate 15 01 March 1974

27 Harun Or Rashid Regional Program Coordinator Masters in Economics 8 1 January 1979

28 Md. Asaduzzaman Regional Program Coordinator Bachelor in Commerce 10 1 January 1975

29 Ms. Sabina Yesmin Project Coordinator- Masters in Political Science 5 5 July, 1974 Communication for Development

30 Shamim Hossain Project Coordinator- Masters in Economics 8 4 November 1980 Education and Advocacy

31 Eakub Hussain Coordinator-Accounts and Admin Masters in Commerce 5 11 August 1980

32 Sariful Islam Bhuiyan Coordinator-Accounts and Admin Bachelor in Commerce 12 2 February 1977

33 Jahirul Islam Project Coordinator- Masters in Islamic History and Culture 3 3 April, 1983 Local Governance Project

Sl. Name and date of birth Present Position Academic Background Job duration with COAST (year)

Human Dignity is the First, Staff conferences 2012The annual staff conferences 2012 were organized in three locations of COAST working areas. One was in Bhola on March 26, 2012 with participation of 270 staff, one was in Cox’s Bazar on April 13, 2012 with the participation of 175 staff and the other was in Noakhali on May 4, 2012 with the participation of 60 staff.

The main theme of the conferences of this year was “Human Dignity is the First”. The senior staff including the Executive Director were present in all the conferences.

Box 4


28

equity BD events successfully completed in 2012

01 17 Dec 12 Doha Outcome is Seminar National moderated by Rezaul Karim Chowdhury of English: 4 for Climate inaction press club EquityBD, written press statement as read out by Bangla:3 and Injustice Mizanur Rahman Bijoy of NCCB, other speakers are Dr. Ahsanuddin Ahmed of CGC/CSRL, Zakir Hossain Khan of CFGN, Mrinal Tripura of BIPNetCCBD, Golam Mortoza Editor Shaptahik and Qumrul Islam Chowdhury of EJFB.

02 6-Dec-12 No Doha Deal means Seminar Doha The press conference was moderated by English:1 Accepting Climate Rezaul Karim Chowdhury of EquityBD, other Genocide in Poor speakers are Dr. Ahsan Uddin Ahmed of CGC/ Countries CSRL, Dr. Abdul Matin of BAPA. Md. Golam Rabbani of CCDF/BCAS read out the press statement on behalf of the group

03 3-Dec-12 Shun Differences, Seminar Doha he press conference was moderated by English:3 Adopt Second Kyoto Ziaul Hoque Mukta, key note paper was read out Protocol by Dr. Ahsan Uddin Ahmed, and other speakers are M Zakir Hossain Khan and Mizanur Rahman Bijoy.

04 1-Dec-12 Developed Countries Seminar Doha The networks are 350.Org USA, Beyond Englesh:1 Should Take Copenhagen, Parivi and BJVJ from India,Jubilee Bangla:1 Responsibility of Debt Campaign and WDM from UK, PACJA Climate Forced (Pan Africa Climate Justice Alliance) from Kenya, Migrants PMCC (People’s Movement on Climate Change) and Jubilee South Asia Pacific Movement for Debt and Development (JSAPMDD) from Philippines, LDC Watch and SAAPE (South Asian Alliance for PovertyEradication)fromNepal;BAPA, BIPNetCCBD, CCDF, CFGN, CSRL, EquityBD and NCCB from Bangladesh.

05 24-Nov-12 Civil Society Demand Seminar National Organizers of the press conference are Bangladesh English:4 Rights for Climate press club Poribesh Andolon (BAPA), Bangladesh Indeginious Bangla:5 Forced Migrants People Network for Climate Change and Bio Diversity (BIPNetCCBD), Climate Change Development Forum (CCDF), Climate Finance Governance Network (CFGN), Campaign for Sustainable Rural Livelihood (CSRL), Equity and Justice Working Group Bangladesh (EquityBD) and Network on Climate Change Bangladesh (NCCB).

06 22-Nov-12 US, EU and Rich Really National The network are Bangladesh Poribesh Anodolon English:7 Countries, Cut Your press club (BAPA), Bangladesh Indigenous People Network on Bangla:5 Emission First Climate Change and Bio Diversity (BIPNetCCBD), Climate Change and Development Forum (CCDF), Climate Finance Governance Network (CFGN), Campaign for Sustainable Rural Livelihood (CSRL), Equity and Justice Working Group Bangladesh (EquityBD) and Network on Climate Change Banganldesh (NCCB).

07 16-Nov-12 Emphasize on Equity, Seminar National The seminar moderated by Rezaul Karim Chowdury English:3 Justice and Climate press club of EquityBD and Ziaul Haque Mukta of Oxfam GB/ Bangla:2 Vulnerable Country’s CSRL. Key presentation on behalf of seven Interest in Doha alliances was presented by Zakir Hossain Khan of Climate Conference CFGN/TIB. The seminar was attended Dr. Quazi Kholiquzzaman Ahmed, Chief of Banladesh Negotiation Team. Others speakers of the seminar, Dr. Monjurul Hannan Khan of Government of Bangladesh, Dr. Ahsan Uddin of CGC, Qumrul Islam Chowdhury of Forum of Environment Journalist Bangladesh (FEJB), Golam Rabbani of CCDF, Mrinal Tripura of BIPNetCCBD, Mizanur Rahman Bijoy of NCCB and Kawser Rahman of Janakanta.

Sl. Date Event Type Location Presence of personalities who influence policies Print Media Coverage


29

08 15-Nov-12 Rights Groups Human National N/A English:4 Protested WB in Chain press club Bangla:3 Climate Resilience Fund

09 12-Nov-12 National Policy Seminar National The seminar was attended by Minister English:4 Stressed for Climate press club Dr. Hasan Mahmud as Chief Guest, moderated by Bangla:4 Displacement RezaulKarimChowdhuryofEquityBD;keynote presentation was given by Mizanur Rahman Bijoy of NCCB, Din Mohammed Shibly a free lance photographer and Hasan Mehedi of Humanitywatch. Other speakers of the seminar were, Dr. Ahsan Uddin of CGC, Ziaul Haque Mukta of Oxfam / CSRL, Mrinal Kanti Tripura of BIPNetCCBD, Zakir Hossain Khan of TIB / CFGN, Jahangir Hossain Masum of CDP, Iqbal Uddin of RDRS, and Badurl Alam of Bangladesh Krishok Federation.

10 16-Oct-12 Stop Agriculture Land Human National N/A English:3 Grabbing Chain press club Bangla:3

11 14-Oct-12 CSOs demand to Press National N/A English:1 ensure due share of confetence press club Bangla:1 women in all sort of Climate Finance

12 9-Oct-12 Women participation Press National N/A English:4 in Climate Adaptation confetence press club Bangla:3 and Mitigation Demanded

13 15-Sep-12 VAT is Regressive to Seminar National moderated by Rezaul Karim Chowdhury of EquityBD, English:4 Poor, Emphasize Direct press club welcome address was given by Mostafa Kamal Akanda Bangla:7 Tax for Domestic of EquityBD, key note presentation was given by Resource Mobilization Ahsanul Karim and Syed Aminul Haque of EquityBD. Key speakers of the seminar were, Saha Zikrul Ahmed, Member of Parliament and President Bangladesh TaxLawAssociation;Dr.AbuAhmedofDhaka University;KawsarRahman,ChiefReporter, DailyJanakanta;Dr.RomoniMohanDebnath, EconomistandColumnist;ZakirHossionKahan ofTIB(TransparencyInternationalBangladesh); SMBadrulAlamofBangladeshKrishokFederation; AminurRasulBabulofUnnayanDhara; MahbubHasanofCoastalDevelopmentPartnership; and Ahmed Swapan of VOICE.

14 3-Sep-12 Delay in funds for Human Bangkok articipated in by around 50 activists from English:4 adaptation imperils chain Bangladesh, India, Nepal, Pakistan, Philippines, Bangla:0 developing countries Indonesia, Thailand, China, South Africa, Kenya, Chile, Australia, the United Kingdom and the United States.

15 2-Sep-12 ‘EU’s offer of 20% Human Bangkok articipated in by around 50 activists from English:4 emissions cut will help chain Bangladesh, India, Nepal, Pakistan, Philippines, Bangla:0 kill planet’ - Asian Indonesia, Thailand, China, South Africa, Kenya, climate justice Chile, Australia, the United Kingdom and the activists United States.

16 14-Aug-12 Right Groups demand Human In front of N/A English:5 Transparency and chain national Bangla:5 Policies in NGO press club funding from Climate Trust Fund

17 27-Jun-12 Withdraw VAT Human In front of N/A English:6 expansion plan & ease chain national Bangla:9 the Poor’s livelihood press club



30


18 14-Jun-12 Climate Adaptation Seminar National moderated Rezaul Karim Chowdhury English:3 MustbeaIntegrated pressclub ChiefModeratorEquityBD;keynotepresentation Bangla:5 PartofNational givenbySyedAminulHaqueofEquityBD;other Budget speakers of the seminar were, Israfil Alam MP and Chairman, Parliamentary Standing Committee on MinistryofLaborandEmployment; Soharab Ali Sana MP, Member Parliamentary Standing Committee on Ministry of Environment and Forest;SaheenMonwaraHaqueMPandExstate MinisterKMJahangir;ZiaulHaqueMukta, Asia Regional Policy Coordinator of Oxfam Great Britain;ZakirHossainKhanTransparency InternationalBangladesh;MizanurRahamanBijoyof NetworkonClimateChangeBangladesh; Aminur Rasul Babul of Unnayan Dhara, SyedMahbubulAlamofWBBTrust;ProdipKRoy of OK Society and Mahbub Hasan of CDP.

19 7-Jun-12 Commercialization of Seminar Bangabandu chaired by Professor Firoz Ahmad and moderated English:3 nature in the name of international by Zakir Hossain, Joint Secretary, BAPA. Syed Aminul Bangla:6 Green Economy is confirence Hoque of EquityBD presented the key note paper. not acceptable center Other speakers of the seminar were, Rezwana Hasan BELA, Dr. Debpriya Battacharia CPD, Professor Mahbuba Nasreen Dhaka University, Dr. Atik Rahman BCAS, and as chief guest Junaid Ahmed Palak, MP, Vice Chair person, Bangladesh Parliament Caucus on Climate Change. The seminar was organized by BAPA, EquityBD, CSRL, BARCIK and BWN.

20 29-May-12 Expand Direct Tax, Human In Front of N/A English:6 Reconsider VAT chain National Bangla:6 Expansion press club

21 23-May-12 Integrate Climate Press National N/A English:4 Adaptation in National conference press club Bangla:7 Budget with Thrust on Self Finance

22 10-May-12 Rights Group against Press National N/A English:5 World Bank Role in conference press club Bangla:5 Climate Resilience Fund

23 19-Apr-12 Right Groups against Human In Front of N/A English:0 World Bank Role in chain National Bangla:3 Climate Resilience Fund press club

24 01-Apr-12 Displacement Issue Seminar Dhaka moderated by Dr. M. Sohel Iqbal of EquityBD. English:5 Should Be Reporters Key note paper was presented by Syed Aminul Hoque, Bangla:8 Incorporated in Safety Unity Secretariat Coordinator of EquityBD. Net Programs Alhaz Prof. Dr. M. A. Mannan, MP and member of the Parliamentary Standing Committee on Health Ministry was present in the seminar as Chief Guest. Md. Israfil Alam, MP and member of the Parliamentary Standing Committee on Labor and Welfare Ministry, Dr. Nilufar Banu, Executive Director of BUP, Noman Khan of IED, Aminur Rasul Babul of Unnayan Dhara Trust, ASM Badrul Alam of Bangladesh Krishok Federation was spoken in the seminar.

25 24-Mar-12 Enhanced Investment Seminar moderated Rezaul Karim Chowdhury of EquityBD. English:4 in Agri Research and National Key note paper was presented by Dr. Nazrul Islam of Bangla:9 Extension a Must for press club Dhaka School of Economics, Shawkat Momen Sajahan, Climate Adaptation Member of Parliament and Chairman, Parliamentary Standing Committee on Agriculture Ministry was there as chief guest. Among other speakers of the seminars were, Dwip Ujjal Kisha of Bangladesh Indigenous People Network, Mizanur Rahman Bijoy


31

of Network for Climate Change Network, Badrul Alam of Krishok Federation, Aminur Rasul of Unnayan Dhara, Syed Aminul Haque of EquityBD, Prodip Kumar Roy of On Line Knowledge Soceity, and Jibonanda Joyanta of SA Foundation.

26 11-Mar-12 Climate commission Workshop National Minister for Forest and Environment Dr. Hasan Mahmud English:3 is proposed to press club was present as the chief guest of the concluding Bangla:4 strengthen Climate ceremony. The program was moderated by the Adaptation Executive Director of COAST Rezaul Karim Chawdhury. Among others Member Secretary of Unnayan Dhra Foundation Aminur rasul Babul, Executive Director of Bangladesh NGO Network for Community Radio (BNNRC) A H M Bazlur Rahman, Executive Director of Credit and Development Forum Abdul Awal, Executive Director or UDDIPAN Emranul Haque Chawdhury, Member of the Board of trustee of COAST Dr. Tofail Ahmed, Aus Aid Representatives (Ms. Amanda Jennings) were also present.

27 10-Mar-12 Sharing understanding Disaster Workshop The members are BDPC, COAST Trust, Dhaka English:4 and identifying concern: Risk National Community Hospital and Dwip Unnayan Shongstha. Bangla:10 Reduction press club Chairman of PKSF Dr. Quazi Kholiquzzaman was and Climate the chief guest, while Rezaul Karim Chawdhury of Change COAST Trust and Rafiqul Islam of Dwip Unnayan Adaptation Songstha moderated the program. The workshop for was presided by Saidur rahman of BPDC. Sustainable Dr. Ahasan Uddin of Centre for Global Change and Development Taposh Ranjan Chakrabarti of Oxfam GB also spoke at the occasion.

28 27-Feb-12 Future Climate Seminar Dhaka modrerated by Rezaul Karim Chowdhury, English:5 Negotiation Must Be Reporters Chief Modertor, EquityBD, other key speakers of the Bangla:7 Based on Equity and Unity seminar were, Mr. Sohrab Ali Sana, MP and Member Justice of Parliamentory Standing Committee on Ministry of Forest and Environment Dr. Ansarul Karim, Senior MemberofGovernmentUNFCCCNegotationTeam; Dr. Aparup Chowdhury, Additional Secretary, Ministry ofForestandEnvironment;ZiaulHaqueMukta, AsiaRegionalPolicyCoordinator,OxfamGB; Qumrul Islam Chowhdury, Chairman, Environment Journalist Association, Zakir Hossain Khan, Transperency International Bangladesh, Jahangir Hossain Masum of Coastal Development Partnership;andAminurRasulBabulofUnnayan Dhara. Sayed Aminul Haque of EquityBD has presented key note paper.

29 13-Feb-12 Water Board Need to Seminar National moderated by Rezaul Karim Chowdhury of EquityBD, English:4 Be Oriented on press club among other key speakers of the seminar were, Bangla:2 People Participation ex Minister KM Jahangir, Member of Parliament Sohrab Ali Sana and AKM Fazlul Haque, they are also member of parliamentary standing committee related to ministry on water resource and ministry on environmentandforest;MonishaBiswasofCSRL, Zakir Hossain of Transparency International Bangladesh, Jahangir Hossain Masum of CDP. Three case studies and paper were presented by Sayed Aminul Haque of EquityBD, Hasan Mehedi of Humanity Watch, and Dr. Khurshid Alam an expert consultant on Water Development Board study.



32

FIS & MIS


33

Microfinance Trend & Sustainability Analysis

Period : July 2011 to June 2012(Taka in Lac)

G. Total

SL Purticulars Jul-Sep Oct-Dec % Jan-Mar Apr-Jun % Y: 11-12

1 Numbers of Districts 7 7 0% 7 7 0% 7

2 Number of Upazilas 28 28 0% 28 28 0% 28

3 Number of Branches 56 56 0% 56 56 0% 56

4 Total PgO (Register) 239 239 0% 239 239 0% 239

5 Total No of Groups/Shomity 3831 3896 2% 3949 3996 1% 3996

6 Member Admission 10007 11362 14% 10493 10004 -5% 3119

7 Member Dropout 7182 10301 43% 11374 9832 -14% 3553

8 Member Balance 77,792 79,028 2% 78,147 79,196 1% 79,196

9 Borrower Balance 64,222 64,613 1% 63,885 64,857 2% 64,857

10 (%) of Borrower 83% 82% 82% 82% 82%

11 Member Balance/CDO 325 331 327 331 331

12 Borrower Balance/CDO 269 270 267 271 271

13 Dropout Rate 0.09 0.13 0.15 0.12 0.04

14 Group(Shomity)/CDO 16 16 17 17 17

Savings Analysis : (Tk. In Lac)

12 Savings Collection 366.09 483.93 32% 458.86 489.80 7% 1798.68

13 Sav. Return/Withdrawn 295.60 326.70 11% 381.78 399.07 5% 1403.15

14 Savings Balance 1,552.45 1,711.13 10% 1,788.21 1,882.52 5% 1882.52

15 % of Secured Portfolio 30% 31% 31% 30% 30%

16 Savings Growth Rate 3% 10% 5% 5% 23%

Portfolio Analysis : (Tk. In Lac)

17 Loan Disbursement (Pr) 2,428.28 2,893.82 19% 2,795.24 3,170.65 13% 11287.99

18 Loan Collection (Pr) 2,193.89 2,600.96 19% 2,566.69 2,717.93 6% 10079.47

19 Cumulative Loan Disbursement (Pr) 46,225.70 49,119.52 6% 51,914.76 55,085.41 6% 202345.39

20 Cumulative Collection (Pr) 41,004.46 43,605.42 6% 46,172.11 48,890.04 6% 179672.03

21 Loan Outstanding (Pr) 5,221.22 5,514.07 6% 5,742.41 6,200.26 8% 6,200.26

22 Overdue Balance 386.04 392.47 2% 406.23 425.50 5% 425.50

23 Portfolio at Risk 7.39% 7.12% 7.07% 6.86% 7%

24 Outstanding (Pr)/PgO 21.85 23.07 24.03 25.94 25.94

25 Loan Portfolio Growth Rate 2% 6% 4% 6% 18%

Other Analysis :

26 Operating Cost Ratio 5% 4% 4% 4% 16%

27 Financial Cost Ratio 6% 5% 5% 5% 19%

28 Performing Assets Ratio -3% 9% 11% 9% 24%

29 Ope. Self-Sufficiency Ratio 117% 145% 150% 137% 137%

30 Fin. Self-Sufficiency Ratio 96% 114% 119% 115% 111%

31 Loan Loss Provision Ratio 8% 8% 8% 7% 7%

32 Cost per Unit money Lent 10% 8% 8% 8% 10%

33 Repayment Rate (Current) 98% 98% 98% 98% 98%

34 Repayment Rate (Cumulative) 99% 99% 99% 99% 100%

Year- 2011 Year-2012


34


35


36


37

legal recognition and special policy for fishermen demanded

A seminar titled ‘FAO guideline on Sustainable Smallscale Fisheries, Challenges and potentials of smallscale fishers’ is held on 18 October 2012 at the National Press Club, Dhaka where the speakers demanded special policy for the fishermen. they also demanded that, the process of providing identity cards to the fishermen should include the real fishermen. Development organization COAST Trust organizes the seminar.

Sanat Kumar Bhowmik, Director of COAST Trust, moderates the seminar while Manjur kader Quraishi MP, member of the Parliamentary Standing Committee on the Ministry of Fisheries and Livestock was present as the Chief Guest.

Among others Dr. Motahar Hossain, Assistant Director (open water bodies) of the Directorate of Fisheries, Kamal Sen Gupta, Deputy Executive Director of CODEC, Livestock researcher Dr, Hamidul Haque,

Badrul Alam of Banglacesh Krishok Federation were also spoke on the occasion.

Representative of the International Fund for Agricultural Development (IFAD) Rome office Tomas Stroops, representative from the ICSF India Sebastian Methew and Representative from National Fishworkers Forum (India) Debasish Syamal were also present.

Box 5


38

Fiv

e Y

ears

Bala

nce S

heet

(FY

2008-F

Y2012

)

(Fig

ure

in t

housand

)

Pro

pert

y &

Assets

.June 2

008

.+ /

(-)

.June 2

009

.+ /

(-)

.June 2

010

.+ /

(-)

.June 2

011

.+ /

(-)

Long T

erm

Assets

:

Fix

ed

Assets

cost

less d

ep

recia

tion

14,2

32.4

6

-2

8.4

%23,3

99.6

9

64.4

%24,3

24.5

9

4.0

%29,0

50.5

5

19.4

%

Sto

ck in h

and

(C

RE

P &

Oth

ers

)6,1

94.7

8

-1

%6,5

73.1

3

6%

8,4

50.6

2

29%

9,9

75.0

4

18%

-

Cutt

ent

Assets

:-

Cash a

nd

Bank B

ala

nce

46,0

45.4

0

-1

7%

57,2

79.4

7

24%

50,5

22.3

0

-1

2%

89,5

95.9

8

77%

Loans a

nd

Ad

vance

4,3

61.1

0

32%

3,4

31.7

7

-2

1%

14,7

19.7

4

329%

21,8

79.7

9

49%

Loan O

uts

tand

ing (R

LF)

302,1

89.7

2

24%

344,8

15.1

1

14%

409,5

44.7

3

19%

518,5

58.3

2

27%

Loan O

uts

tand

ing (C

RE

P)

19,3

58.3

3

-3

%28,0

18.7

8

45%

52,1

88.4

7

86%

69,6

28.3

5

33%

Receiv

ab

le fro

m D

onors

2,9

87.9

4

36%

3,2

65.9

5

9%

7,2

62.2

0

122%

1,3

86.3

7

-81%

Oth

er

Receiv

ab

les

4,5

73.7

7

-1

6.8

%5,8

99.3

9

29.0

%12,7

64.8

7

116.4

%11,6

56.0

1

-8.7

%

Oth

er

Investm

ent

(FD

R)

22,6

32.3

3

356%

43,9

58.1

7

94%

11,9

69.1

4

-7

3%

9,3

55.4

6

-22%

Reserv

e F

und

Investm

ent

14,0

31.8

0

17%

20,4

75.3

1

46%

23,5

23.1

8

15%

18,9

43.5

0

-19%

Gra

nd

Tota

l436,6

07.6

2

17%

537,1

16.7

6

23%

615,2

69.8

4

15%

780,0

29.3

6

27%

Fund

& L

iab

ilities

.June 2

008

.+ /

(-)

.June 2

009

.+ /

(-)

.June 2

010

.+ /

(-)

.June 2

011

.+ /

(-)

Cap

ital Fund

33,4

65.5

2

25.4

%33,3

42.2

1

-0

.4%

5,8

67.9

7

-8

2.4

%19,4

84.7

0

232.1

%

Unutiliz

ed

Fund

(D

onors

)10,2

39.4

7

-2

1%

3,7

29.4

7

-6

4%

6,7

89.8

2

82%

10,2

75.9

3

51%

Fix

ed

assets

eq

uis

itio

n fund

3,0

75.9

1

-1

1.2

%3,1

68.8

8

3.0

%2,3

61.0

4

-2

5.5

%3,4

35.4

1

45.5

%

-

Curr

ent

Lia

bilities :

-

Gro

up

mem

bers

savin

gs

97,4

46.9

8

7%

110,4

43.7

3

13%

133,1

73.6

2

21%

156,2

28.2

9

17%

Loan fro

m S

F (R

LF)

43,8

12.5

0

4%

61,6

25.0

0

41%

66,1

25.0

0

7%

73,7

50.0

0

12%

Loan fro

m P

KS

F (R

LF)

163,8

40.0

0

32%

216,0

16.6

7

32%

214,8

33.3

4

-1

%275,4

16.6

7

28%

Loan fro

m ID

CO

L (S

HS

)27,2

20.9

9

16%

37,6

98.9

7

38%

46,6

29.6

6

24%

61,0

57.9

3

31%

Loan fro

m B

ank (R

LF)

-

0%

-

0%

-

0%

35,0

00.0

0

100%

Reserv

e F

und

(LLP

/DM

F)

26,7

01.9

9

15%

30,9

21.0

4

16%

61,7

91.1

5

100%

65,4

52.3

9

6%

Em

erg

ency F

und

3,4

92.9

6

22%

4,6

35.8

4

33%

6,1

47.4

4

33%

8,4

32.5

9

37%

Payab

le t

o P

rovid

ent

Fund

9,1

33.6

9

23%

11,0

70.7

7

21%

15,8

96.6

6

44%

17,6

15.6

1

11%

Payab

le t

o G

ratu

ity F

und

9,4

57.0

9

34%

11,3

99.2

1

21%

15,2

65.5

5

34%

15,1

87.9

7

-1%

Payab

le t

o C

yclo

ne F

und

4,2

42.7

4

0%

4,2

42.7

4

0%

4,2

42.7

4

0%

-

0%

Oth

er

Lia

bilities

4,4

77.7

9

19%

8,8

22.2

4

97%

36,1

45.8

6

310%

38,6

91.8

6

7%

Gra

nd

Tota

l436,6

07.6

2

17%

537,1

16.7

6

23%

615,2

69.8

4

15%

780,0

29.3

6

27%

-

-

-

-


39

Fiv

e Y

ears

Incom

e &

Exp

end

iture

Account

(2008-2

012)

(Fig

ure

in t

housa

nd

)

Part

icula

rsJa

n-J

une 2

008

.+ /

(-)

July

2008-J

une

2009

.+ /

(-)

July

2009-J

une

2010

.+ /

(-)

July

2010-J

une

2011

.+ /

(-)

July

2011-J

une

2012

.+ /

(-)

AFin

ancia

l and

Mic

ro C

red

it In

com

e

Serv

ice C

harg

e In

com

e30,6

68.4

6

-4

2%

69,7

25.4

6

127%

82,7

83.3

2

19%

104,8

43.4

9

27%

131,4

70.3

1

25%

Inte

rest

on B

ank

Dep

osi

t291.0

4

-57%

148.1

5

-49%

150.5

6

2%

167.6

0

11%

176.8

0

5%

Ad

mis

sion fee/F

orm

at

Sale

etc

.223.7

3

-38%

452.6

7

102%

490.9

7

8%

507.9

0

3%

477.6

1

-6%

Oth

er

Incom

e3,0

00.8

0

15%

11,9

74.7

9

299%

11,2

59.5

2

-6%

3,3

06.2

9

-7

1%

3,6

89.5

2

12%

Tota

l Fin

ancia

l & M

icro

Cre

dit

Incom

e (A

)34,1

84.0

2

-4

0%

82,3

01.0

7

141%

94,6

84.3

7

15%

108,8

25.2

9

15%

135,8

14.2

5

25%

BFin

ancia

l Cost

Inte

rest

on B

orr

ow

ings

5,2

90.6

3

-4

2%

23,4

23.9

4

343%

28,6

43.0

9

22%

15,5

49.5

0

-4

6%

27,6

08.6

1

78%

Inte

rest

on M

em

ber'

s S

avi

ngs

1,7

02.7

0

-2

4%

2,8

60.7

0

68%

3,7

50.3

6

31%

4,0

72.7

0

9%

5,5

29.9

5

36%

Tota

l Fin

ancia

l Cost

(B

)6,9

93.3

3

-3

9%

26,2

84.6

4

276%

32,3

93.4

4

23%

19,6

22.2

0

-3

9%

33,1

38.5

6

6

9%

CG

ross

Fin

ancia

l Marg

in (A

-B)

27,1

90.6

9

-4

0%

56,0

16.4

4

106%

62,2

90.9

3

11%

89,2

03.0

9

4

3%

102,6

75.6

9

15%

DR

ese

rve F

und

Pro

visi

on (LLP

/DM

F)

3,5

18.5

5

10%

4,6

91.9

4

33%

30,8

70.1

5

558%

3,6

61.2

5

-8

8%

3,0

24.0

2

-1

7%

EN

et

Fin

ancia

l Marg

in (C

-D)

23,6

72.1

4

-4

4%

51,3

24.5

0

117%

31,4

20.7

8

-39%

85,5

41.8

5

172%

99,6

51.6

7

1

6%

FO

pera

ting &

Donor

Exp

ense

s

Sala

ry a

nd

Allo

wances

19,5

84.1

1

-5

0%

48,1

60.4

9

146%

57,6

88.6

7

20%

72,6

21.2

4

26%

79,6

10.3

0

10%

Offi

ce R

ent

1,6

79.8

6

-3

4%

3,2

87.5

0

96%

3,6

05.3

3

10%

4,6

22.0

6

28%

5,3

87.8

6

17%

Trave

l and

Tra

nsp

ort

1,8

70.8

0

-5

2%

4,6

33.4

9

148%

4,8

46.4

8

5%

3,9

99.0

7

-1

7%

4,7

22.0

9

18%

Offi

ce/R

ep

air

Main

tenance &

Sup

plie

s2,1

13.4

7

25%

2,8

38.8

1

34%

2,9

95.9

5

6%

2,7

64.1

7

-8

%1,6

27.7

7

-4

1%

Phone/F

ax/

Sta

tionary

/Prin

ting/A

dve

rtis

e e

tc1,5

45.4

5

-3

2%

3,3

21.8

6

115%

3,2

95.8

8

-1%

3,3

95.9

1

3%

4,3

51.4

0

28%

Fuel &

Oil

and

Util

ities

1,3

49.2

2

-6

%3,9

88.8

1

196%

4,4

29.0

1

11%

4,4

79.8

9

1%

5,3

15.9

6

19%

Train

ing/R

ese

arc

h/A

dvo

cacy

Exp

end

iture

567.1

4

-28%

1,0

62.9

6

87%

649.6

9

-39%

456.1

2

-30%

1,7

59.3

4

286%

Oth

er

Pro

gra

m E

xpend

iture

553.1

5

-50%

3,6

45.3

8

559%

328.2

2

-91%

498.7

0

52%

330.5

1

-34%

Donor

Pro

gra

m E

xpend

iture

12,9

50.8

6

-3

1%

27,9

41.0

0

116%

15,9

79.4

2

-43%

12,9

44.7

5

-1

9%

16,4

28.4

1

27%

Dep

recia

tion R

ese

rve E

xpense

s996.9

4

-55%

2,2

75.9

2

128%

2,5

54.2

5

12%

3,1

36.2

8

23%

3,2

94.1

3

5%

Aud

it and

Pro

fess

ion F

ees

142.9

5

-5%

100.0

0

-30%

107.2

0

7%

28.9

2

-73%

242.5

0

738%

Oth

er

Exp

ense

s446.1

2

-89%

374.3

4

-16%

443.1

5

18%

338.0

6

-24%

181.6

5

-46%

Tota

l Op

era

ting &

Donor

Exp

ense

s (F

)43,8

00.0

6

-4

4%

101,6

30.5

5

132%

96,9

23.2

5

-5%

109,2

85.1

8

13%

123,2

51.9

1

13%

GFore

ign D

onatio

ns

and

Contr

ibutio

n19,4

30.3

6

-4

8%

49,0

46.5

5

152%

37,6

32.9

3

-23%

37,3

45.2

2

-1

%35,0

08.0

8

-6

%

HN

et

Surp

lus/

(Defic

it) (E

-F+

G)

(697.5

6)

-1

88%

(1,2

59.5

1)

81%

(27,8

69.5

4)

2113%

13,6

01.8

9

-1

49%

11,4

07.8

5

-1

6%


40


41


42

let’s protect anymore Ramu Disaster in future due to a Facebook misuse

COAST Trust organized a campaign on creating awareness among the students and young in Cox’s Bazar in order to avoid any unexpected ignition led by a mere misuse of a social networking web site like facebook after the communal rampage took place in Ramu in September 2012.

COAST started the campaign by calling for a press conference on 3rd December 2012 in the Press Club of Cox’s Bazar to declare the campaign and its objectives and to declare the schedules of the workshops to be held in Ramu, Teknaf, Moheshkhali, Ukhia and other places. The objective of arranging the press conference was a good publicity in the local newspaper to let the people know about it and duly participate.

The target group of the campaign was basically the students and young who are the key user of internet but being junior they are not enough aware of the result of pursuing an igniting way of tagging a picture.

In December 2012 COAST organized workshops with the participation of students

and teachers in Moheshkhali Women’s College, Teknaf Degree College, Ukhia Degree College and Ramu Degree College. In the workshops the facilitators explained in detail the features of social networking web sites and the expected way of using them.

In those workshops around 1,200 students and teachers participated. Though many of them don’t have enough internet access in the rural areas but they have learnt the techniques.

Box 6


43


44


47


48

Written by: Barkat Ullah Maruf, Sanat K Bhowmik, Rezaul Karim Chowdhury

Cover Photo: Din M Shibly

Publication Date: June 20 , 2013

COAST Principal Offi ce: House 13, Metro Melody (1st fl oor), Road 2Shyamoli, Dhaka 1207, BangladeshTel: 88 02 8125181, 8154673Fax : 88 02 9129395, email: [email protected] web: www.coastbd.org

Bhola Management and Training Center (BMTC):Kulsumbag Charfassion, Bhola-8340 Tel: 88-04923-74135Fax: 88-04923-74094

Chittagong Regional Offi ce:House-287, Road-12, Block-B, Chandgaon R/A, Chittagong.Tel: 88-031-2570283

Cox’s Bazar Management and Training Center (CMTC): Shine Tower (3rd fl oor), New Circuit House Road, Cox’s Bazar.Tel: 88-0341-63186,Fax: 88-0341-63189

Noakhali Regional Offi ce: House 1, Road 5, Housing EstateMaijdicourt, Noakhali.Tel: 88-0321-62962

A learning center of the adolescent girls called Shanglap in Ukhia, Cox’s Bazar. The adolescent girls in the rural areas are mainly treated as a burden as they hardly can contribute to the family’s income. Sometimes they have nothing to do but waiting for being married off. Their dropout rate from the school is also alarming. Shanglap program not only gives them an education on livelihood and hygiene but also train them on some income generating activities which enable them to

become an independent human being. There are examples of girls refused earlymarriage after being a Shanglap Graduate.

We are grateful to our following partners who have facilitated us to work for the coastal poor:

lighting the way - coastbd.netcoastbd.net/upload_coastbdnet/annual report_2013.pdf · lighting the...

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