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Community Based Economic Development (CBED) Project, Jumla
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Community Based Economic Development (CBED) Project, Jumla has been implemented by CSD in partnership with CECI/ CBED since April 1, 1996. The project has been successful to integrate various development components - commodity production, rural finance, natural resource management, gender development and decentralization. In the current fiscal year, 10 additional Savings and Credit Cooperatives have
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been registered as Credit Cooperatives reaching a cumulative achievement of 19 registered Savings and Credit Cooperatives. Out of 33 Forest User Groups (FUGs), 16 have been registered with District Forest Office (DFO). Two district level organizations as JAPEC (Farmers' Cooperative) & District Cooperative Union (DCU) have been already registered. The project has been terminated from April 2002 followed by closing its field offices from December 2001.
Community Health Initiatives (CHI), Jumla.
The other major development initiative in Jumla district has achieved significant breakthrough in the lives of the people of 14 program VDCs in terms of health & sanitation. The positive response from the community people has resulted in the construction of 3,800 pit latrines. The other components under CHI are kitchen gardening, drinking water system, improved cooking stoves, nutritional education rehabilitation program. The project initiated in the year 1998 in partnership with CECI/ CHI has been phased over from April 2002.
Community Development Program (CDP), Okhaldhunga
Community Development Program (CDP), Okhaldhunga has been implemented in the selected five VDCs of Okhaldhunga district since June 1999 with support from Shapla Neer/Japan aiming to enhance the collective strength of target community people and their organizations to solve their problem through local resource mobilization. A total of 17 savings and credit organizations (SCOs) have mobilized a total of more than NRs. 380 thousand savings. Nineteen production groups have been formed to promote various cash crops. With regard to the conservation of community forestry, five forest user's groups have been formed. In the sector of village level infrastructures, 2 drinking water schemes, 4 irrigation canals, two-cellar storages, one set of drip irrigation (29 units) have been completed.
Community Development Program (CDP), Sankhuwasabha
Community Development Program (CDP) Sankhuwasabha is a social mobilization program implemented in seven VDCs of Sankhuwasabha district since April 2000 with the support of Rural Development Program (RDP/GTZ). The program mainly focuses on target people in mobilizing self-help groups and organizations so as to help them implement various development activities. A total of 36 self-help groups have been formed. The main function of these SHGs/ SHOs is to help enhance the target communities' collective strengths in addressing their various concerns and needs.
Micro finance in general
In the past decade, microfinance has been recognized as an effective tool to alleviate poverty for three basic reasons:
- MF targets specifically the poor and to poorest of the poor;
- MF contributes to the socio-economic status of the targeted community; and
- MFI have demonstrated that within a few years (4-5 years) it can achieve its twin goals of sustainability and outreach
Within Nepal there are a wide range of institutions active in microfinace sector, each with its own way of going about the task of making financial services accessible to the poor.
Self-help Banking Program (SBP)
Self-help Banking Program (SBP), a microfinance program has been successful to create a track record in delivering micro finance services to poor and disadvantaged households. SBP has focused primarily on delivering savings and credit services, complemented with other community development activities, to those who have no access to formal source of finance. Initially, CSD has received operational support from ChFDP/GTZ, DANIDA to meet the operational cost for SBP. Similarly, seed capital in the inception of SBP followed by branch scale-up fund have been received from Grameen Trust, Bangladesh. The other source for lending fund has been obtained from Rural Microfinance Development Centre (RMDC), commercial banks and IFAD through NRB. Compared to the previous year's achievements, SBP has outreached additional 32 VDCs rendering microfinance services to additional 3,704 clients this year reaching a cumulative number of 37, 624 members. The loan disbursement this year has been Rs. 310 million reaching a total cumulative amount of 800 million. Out of total loan disbursement Rs. 620 million has been recollected and thus remaining a total outstanding of Rs. 180 million. Intervention of this program has proved that the poor women even using small amounts of credit can shape their lives dramatically.
Training Support Program (TSP)
Training Support Program (TSP) aims to improve the human resource development of the institutions working at the grassroots level. Besides the regular training program to CSD's staff and members, TSP has been implemented to upgrade the skills and knowledge of the personnel working in NGOs, INGOs and CBOs and to enhance their capacity building programs. CSD has been organizing series of training programs that include Self-help Promotion and Community Organization, Community Development, Organizational Management, Leadership Development and Management, Savings and Credit Management, Accounts and Records Keeping, Business Planning, Branch/Institutional Viability and Participatory Rural Appraisal. CSD this year has organized a total of two training programs that have benefited 42 participants of different organizations.
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