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Palli
Karma Sahayak Foundation (PKSF) has entered into the twenty
first century with a clear vision of commitment to serve the
poor. Over the years, PKSF has achieved considerable success
in fulfilling its mandate of assuming a leadership role in
the country's microcredit sector, strengthening and expanding
its financial intermediation capacity, and establishing best
practices for microcredit management and operations. As has
been presented in the Annual Report, PKSF's activities in
the FY 2000-2001 were implemented so as to consolidate the
past gains while keeping in view the long term vision. PKSF's
activities during the year included expanding and diversifying
its lending Programme, carrying out intensified institutional
support for partner organizations, providing soft loans for
capacity building and disaster management, and taking steps
towards implementing guidelines on microcredit best practices.
These efforts have contributed
to strengthening the institutional and financial sustainability
of PKSF and its POs, while helping to make microcredit a more
effective tool for poverty reduction. A 3 year long study
commissioned by PKSF and conducted by the Bangladesh Institute
of Development Studies (BIDS)
has shown that PKSF's microcredit programme has benefited
the rural poor in various ways: by increasing their incomes,
reducing the risks and vulnerability of their livelihoods,
and contributing to their social development and empowerment.
We at PKSF believe that the microcredit system is a dynamic
and evolving one, which can adjust to the varied and changing
needs of the poor normal"
PKSF's performance
as an apex microcredit funding organization has attracted
the attention of policy makers and practitioners of microcredit
at home and abroad. PKSF's model is now being replicated in
countries of Asia, Latin America and Africa. We believe that
the major reasons for PKSF's success is its being open to
new ideas while adopting a learning by doing approach, its
strong championship of public services, and its efficient
style of management with a dedicated team of officials. The
able guidance of the members of the General Body and the Governing
Body has greatly contributed to the success of PKSF.
Our
endeavors would not have been possible without the strong
support provided by the Government of Bangladesh, specially
the Ministry of Finance and the donor agencies, notably the
World Bank, Asian Development Bank and the USAID. We are thankful
to all of them and look
forward to receiving their support in the coming years as
well.
Wahiduddin
Mahmud
Chairman
January
2002
FOREWORD
During
the past financial
year (FY) 2000-2001 PKSF carried out several activities
in the microfinance sector. In FY 2000-2001 PKSF disbursed
Tk. 1197.17 million, brought under its program additional
0.23 million poor 90% of whom are women; provided soft
loan to POs, arranged training courses and organized workshops
for the institutional development of its POs and prepared
guidelines for supporting and establishing best practices
for the governance, management and operations of microcredit
sector. As
of June 2001, PKSF disbursed a cumulative amount of Tk.
9481.08 million among 2.36 million poor borrowers of the
country. PKSF’s loan recovery is above 98%. As has
been shown in this Annual Report for FY 2000-2001, PKSF
is on the right track for achieving operational, financial
and institutional sustainability. In this FY 2000-2001
PKSF has started implementing the Second Poverty Alleviation
Microfinance Project and intensified its present activities
by diversifying its programs covering the urban poor,
the hardcore poor and micro enterprises for the microcredit
borrowers. PKSF is also implementing bigger programs for
the capacity building of its POs.
The
steady and successful expansion of PKSF's programs shows
the enormous potential of microcredit as an effective tool
of poverty alleviation.
PKSF's evaluation of microcredit programs of the
Partner Organizations (POs) indicates that these programs
can be conducted with the equal efficiency by the national
level large organizations and by locally based small ones.
A large number of PKSF's partner organizations (POs), through
which PKSF channels microcredit to the rural and urban poor,
too have been moving toward financial and institutional
sustainability. The recipients of microcredit, the rural
and urban poor have received, as has been empirically established,
substantial benefit from the program of PKSF and its POs.
According to a research conducted by the Bangladesh Institution
of Development Studies (BIDS) supported by PKSF illustrates
that the microcredit program has improved their standards
of living, enhanced their security, contributed to their
social development and augmented their self-respect.
The able guidance of the members of the General Body and
the Governing Body; continued support of GOB; generous assistance
from the donors like the World Bank, USAID and ADB; dedicated
efforts of the Partner Organizations; committed and quality
services of PKSF officers and staff; and the resilience
of the rural poor to face the challenge of poverty; all
together helped PKSF to carry out its activities. Our sincere
thanks to all of them.
Salehuddin
Ahmed
Managing Director
January 2002
OBJECTIVES
OF PKSF
"PKS"F
has been established for helping the poor, the landless and
the assetless in order to enable them to gain access to resources
for productive undertakings and/or employment and for enhancing
the quality of their life. The specific objectives of PKSF
are:
1. To
provide assistance for generating income or employment opportunities
for the landles s and assetless for alleviating poverty, in
various forms and manners, including financial, institutional,
advisory and training, to non-government, semi-government
and government organizations, voluntary agencies and societies,
local government bodies, institutions, groups of individuals
as partner organizations (POs).
2.
To support, promote, develop and identify employment opportunities
for the poor (the landless and assetless), to provide them
with credit as well as such other help and assistance including
education and training as may be necessary for development
of their skills.
3. To
help building and strengthening the institutional capacity
of the POs for improving their efforts at providing access
to resources for the poor.
4. To
support, promote and sponsor innovative programs and projects
for creating awareness for the improvement in the quality
of life of the poor and self-reliance in the process of creating
productive employment opportunities.
5. To help the poor people to diversify and strengthen their survival
strategies, to enhance their security and to give them access
to assets and rights and augmented their self-respect providing
them choice and independence.
6. To
be a promoter and stimulator of innovative ideas and methods
and to encourage, promote and assist efforts, which emphasize
and focus on new technologies and ideas for employment creation
and productive activities for poverty alleviation.
7. To
initiate, undertake and promote research activities directed
towards poverty alleviation and employment generation; to
establish and support research and training institutions;
to grant stipends, scholarships, fellowships for such research
activities; to organize seminars, workshops, conferences and
to undertake publication of reports, periodicals, monographs,
bulletins, journals, books etc. in furtherance of the objectives
of PKSF.
8. To
set up an effective Management Information System (MIS) for
regular and proper monitoring and evaluation of the poverty
alleviation activities of the POs supported by PKSF.
9. To
establish and maintain contact and collaboration with POs,
other institutions, bodies and societies in Bangladesh and
abroad including relevant international agencies, constituents
of the UN system interested in similar objectives and to coordinate
with such institutions, bodies and organizations for furthering
the objectives of PKSF.
10. To
undertake, sponsor, support or aid any educational, social,
commercial, agricultural or industrial activities for attaining
the objectives of PKSF.
11. To
do all such other lawful things as are conducive and/or incidental
to furthering the growth and the attainment of the objectives
of PKSF.
PKSF is a ‘company
not for profit’ registered under the Companies Act of
1913 as amended. PKSF
is at present structured in the following manner:
8 Consisting of 16 members
6 Governing Body=8 Consisting
of 7 members 6 Managing
Director=6 Officers
& Staff 8 (162
persons as on January 15, 2002)
MANAGEMENT
General Body
The
General Body is formed by 16 members out of whom the Government
nominates 8 members from amongst persons associated with government
agencies, voluntary organizations or private individuals renowned
in the field of poverty alleviation activities. The remaining
8 members are persons from partner organizations and private
persons having records of services in activities on poverty
alleviation and income generation.
The
General Body gives overall policy guideline and direction
for the efficient functioning of PKSF. It approves the annual
budget of PKSF drawn up by the Governing Body of PKSF. Names
of the members of the General Body of PKSF are given below:
MEMBERS OF THE PRESENT
GENERAL BODY
01. Dr. Wahiduddin Mahmud Chairman
Professor
Department of Economics University of Dhaka
02. Dr.
Salehuddin Ahmed Managing Director
03.
Professor Muhammad Yunus Member
Managing Director Grameen Bank Mirpur-2,
Dhaka.
04. Begum Tahrunnesa Abdullah Member Social Worker and Magasaysay
Award Winner
05. Dr. Iqbal Mahmud Member
Professor (Retired) Department of Chemical
Engineering
Bangladesh University of Engineering and Technology (BUET)
Dhaka
06. Dr. Sheikh Moqsood Ali Member Convener National Task Force for Poverty
Alleviation and Ex-Member, Planning Commission
Dhaka.
07. Janab Abdul Muyeed Chowdhury Member Executive Director, BRAC
Ex-Secretary, Internal Resources Division and Ex-Chairman,
National Board of Revenue (NBR) Dhaka.
08. Mr.
Badiur Rahman Member Planning Commission Sher-E-
Bangla Nagar Dhaka.
09. Begum Rokeya Member Executive
Director Sabalamby Unnayan Samity (SUS)
Netrokona, Bangladesh.
10. Janab Dhiraj Kumar Nath Member Secretary Rural
Development and Cooperative Ministry Secretariat,
Dhaka.
11. Dr. Nazmunnesa Mahtab Member
Professor
Department of Public Administration University
of Dhaka
12. Janab Kazi Rakibuddin Ahmed Member Secretary Bangladesh Parliament
Secretariat Sher-e-Bangla Nagar, Dhaka.
13. Janab A. A. Qureshi Member
Managing Director, Grameen Fund Ex-Managing
Director, Bank of Small Industries and Commerce
Bangladesh Ltd., Dhaka.
14. Dr. Rushidan Islam Rahman Member Research Director Bangladesh
Institute of Development Studies (BIDS) 17/E, Sher-E-Bangla
Nagar Dhaka.
15. Dr. Hossain Zillur Rahman Member Senior Research Fellow Bangladesh
Institute of Development Studies (BIDS) 17/E, Sher-E-Bangla
Nagar Dhaka.
16. Dr. Ahmed Kamal Member
Professor
Department of History
University of Dhaka
GOVERNING
BODY
The Governing Body, subject to the general
control and supervision of the General Body, generally pursues
and carries out the objectives of PKSF. The Governing Body
is responsible for the management and administration of the
affairs of PKSF. It determines the direction and scope of
the activities of PKSF.
As per its Articles
of Association, PKSF has a seven-member Governing Body under
the general guidance of which all the activities of PKSF are
undertaken. The Managing Director carries out the responsibilities
of the organization as its Chief Executive. He is also a member
of the Governing Body. Since he is the Chief Executive and
a member of the Governing Body as well, he carries the task
of liaison between the Governing Body and the management cadre.
Member
of the PresentGoverning Body
01. Dr.
Wahiduddin Mahmud Chairman Professor Department of Economics
University of Dhaka,
02. Dr. Salehuddin
Ahmed Managing Director
03. Professor Muhammad
Yunus Member Managing Director
Grameen Bank, Mirpur-2,Dhaka.
04. Dr. Sheikh
Moqsood Ali Member Convener National Task Force for
Poverty Alleviation and Ex-Member Planning
Commission, Dhaka.
05. Begum
Tahrunnesa Abdullah Member Social Worker and
Magasaysay Award Winner
06. Janab
Abdul Muyeed Chowdhury Member
Executive Director, BRAC Ex-Secretary, Internal
Resources Division and Ex-Chairman National
Board of Revenue, Dhaka.
07.
Dr. Iqbal Mahmud Member Professor
(Retired) Department
of Chemical Engineering BUET,
Dhaka
To
execute the tasks of PKSF, a suitable structure has been devised
providing for a gradual increase in the number of posts and
personnel, as will be required in future, with the objective
of putting together an appropriate institutional structure,
professional excellence and a capable management cadre for
PKSF. Under this, attempts are underway for recruiting and
building up a team of committed meritorious and capable officials
having the right aptitude. Gradually and over time, there
will be increase in the number of personnel through gaining
of experiences, increase in the workload, expansion in its
operations and future needs and requirements of PKSF. PKSF’s
activities and daily operations are at present carried out
by 86 management staff, and 65 supporting staff. Besides,
there are three part-time professionals- one legal adviser,
one law specialist, one medical officer and 8 project staff.
MANAGEMENT
STAFF OF PKSF
(As of January 15, 2002)
Managing Director
01.
Dr. Salehuddin AhmedM.A. (Economics), Dhaka
University Ph.D. (Economics), McMaster University
Canada.
Deputy Managing
Director
02. Mr. Md. Mosharraf
Hossain Khan B.Sc.
Ag. (Hons.) M.Sc.
Ag. DAIBB
General
Manager
03. Dr. M.A. Hakim
M. A. (Economics) Dhaka University
M. S. (Agricultural Economics)
University of the Philippines
at Los Banos (UPLB) Ph.
D. (Economics)
Deputy General Managers
04. Mr.Shabbir Ahmed
B.Com.Dhaka University C.A. (Inter).Institute of
Chartered Accountants of Bangladesh
05. Mr. Md. Shah
Alam Mridha B.Com (Hons.) A.C.A
06. Mr. Md. Fazlul
Kader B.S.S. (Hons.) Economics M.B.A.
(Finance) Dhaka University
Deputy General Managers (C.C)
07. Mr. Golam TouhidM.Sc.
(Geography) Dhaka
University
08.
Dr. Jashim Uddin M.Sc.
(Mech. Engineering) Ph.D.
(Economics) Moscow
Management Institute
Assistant General Managers
09. Mr. M. Hasan
KhaledM.B.S. (Accounting) Islamic University, Kushtia.
10.
Mr. Md. Mashiar Rahman
M.Sc. (Statistics)
Dhaka University
11. Mr. A.Q.M. Golam
Mawla
Dhaka University
12. Mr. Akond Md.
Rafiqul Islam
M.Sc. (Entomology) Dhaka
University
Managers
13. Mr. Md. Ziauddin
Iqbal M.Com. (Finance) Dhaka University
14. Mr. Sajal
HalderM.Com. (Accounting) Dhaka University
15. Mr. A. Khaleque
Miah M.Com. (Accounting) Dhaka University
C.A. (Inter), ICAB 1
16. Mr. Mamun
Al Matin B.Sc. Engeering (Electrical & Electronics)
BIT, Chittagong
17.
Mr. Ataur Rahman M.A. (Journalism)
Dhaka University
18. Mr. Abul Kashem
M.S.S. (Sociology) Dhaka University
19. Mr. Abul Hasan
Md. Abdul Qaiyum M.S.S. (Economics)
Chittagong University
20. Mr. Nazmul
Islam B.Sc. Engineering (civil) BUET,
Dhaka
21. Ms. Sarah
Jasmin M.S.S. (International Relations)
Dhaka University Post Graduate Diploma
Manchester University, UK.
22.
M. Com. (Accounting) Dhaka University C.A. (Inter.),
ICAB
23. Mr. Md. Abdul
Matin M.S.S. (Social Welfare) Dhaka
University
24.
Mr. Dilip Paul M.Sc.
(Physics) Chittagong
University
Deputy
Managers
25. Mr. A.K.M.
Nuruzzaman M.Sc.
(Geography)Jahangirnagar University
26. Mr. Sazzadur
Rahman B.Sc.
Engineering (Computer) Khulna
University
27. Mr. Md. Iftekhar
AliM. Com.
Mgt. Pre National
University C.A.
(Inter), ICAB
28. Mr. Abdul
Latif M.Com.
(Management) Jagannath
University College
29. Mr. Dilip
Kumar Chakraborty M.S.S.
(Economics) Rajshahi
University
30. Ms. Jebun
Nahar M.Com.
(Management) Dhaka
University
31. Mr. Zaman Khondoker
M.Com. (Accounting)
Patuakhali College University
32. Mr. B.M. Kamruzzaman M.S.S.
(pol. Science) Dhaka
University
33.
Mr. Mirza Md. Nazmul Huq M.S.S.
(Economics) Islamic
University Kushtia
34. Mr. Gokul
Chandra Biswas M.Sc.
(Statistics) Jahangir
Nagar University
Librarian
35. Ms. Mahmudun
Nahar M.A.
(Library and Information Science) Dhaka
University
Assistant Manager
36. Mr. Md. Mesbahur Rahman M.Sc.
(Statistics) Dhaka
University
37. Ms. Salma
Sharmin M.S.S.
(Sociology) Dhaka
University
38. Mr. Chowdhury
Sarwar Murshed M.Com.
(Management) Dhaka
University
39. Ms. Salina Sharif M.Sc.
(Economics) Jahangirnagar
University
40. Ms. Fatema
Taskin Chowdhury M.S.S.
(Public Administration)Dhaka University
41. Mr. Shah Muhammad
Ikhtiar Jahan Kabir
M.S.S.(International Relations) DhakaUniversity
42. Mr. S.M. Shamsul
Arifeen M.A.
(english) Dhaka
University
43. Mr. Zamanur
Rahman M.Com.
(Accounting) Dhaka
University
44. Mr. S.M. Abdullahil
Hussain M.S.S.
(Social Welfare) Dhaka
University
45. Mr. Jahir
Uddin Ahmed M.Sc.
(Economics) Jahangirnagar
University
46. Mr. Jitendra
Kumar Roy M.Com.
(Management)
Dhaka University
47. Mr. Tapan
Kumar ShilM.Sc.
(Bio-Chemistry) Dhaka University
48.
Mr. Syed Mahbubul Alam
M. A. (Philosophy) Dhaka University
49.
Mr. Dipen Kumar Shaha
M. Sc. (Economics) Jahangirnagar University
50.
Ms. Afroza Sultana
M.S.S. (International
Relations) Dhaka University
51.
Mr. A.T.M. Hemayet-Ur-Rahman M.S.S. (International
Relations) Dhaka University
52.
Mr. Nur Mahammad
M.S.S. (Sociology)
Dhaka University
53. Mr. Saleh
Bin Sums M.A. (philosophy) Dhaka University
54. Mr.
Mir Md. Zakir Hossain BBA, MBA (Accounting)
Chittagong University
55. Mr. Ashraful
Haque M.Sc. (Economics) Jahangirnagar
University
56.
Mr. Humayun Kabir M.Sc. (Econimics)
Jahangirnagar University
57. Mr. Jane Alam
M.S.S.(Political Science) Jagannath University
College (Dhaka University)
58. Mr. Azizul
Haque B.A. (pass) Dhaka University
59. Mr. Ibrahim
Khalil M.S.S.(Sociology) Dhaka University
60. Mr. Golam
Rabby M.S.S. (Economics) Dhaka University
61. Ms. Shaela
Tasmina Mahbub M.S.S. (Economics)
Dhaka University
62. Ms. Syeda Khaleda
B.Sc. Hons. (Geography) Dhaka University
M. Sc. AICHI University of Education Japan
63. Mr. Md. Mostafizur
Rahman M.A. (History) Dhaka University
M.B.A. Queens University Dhaka
64. Mr. Md. Abu
Raihan Miah M.A. (English) Dhaka University
65. Mr. Md. Jasim
Uddin M.Com.National University C.A.
(Inter.), ICAB
66. Mr. Md. Abdul
Matin B.Sc. (Hons.) (Agri.-Economics)
Bangladesh Agricultural University Mymensing
67. Mr. Mahbub
Helal Jelani M.S.S. (Sociology) Rajshahi
University
68. Ms. Tanvir
Sultana MSC(Agri-Economics) Bangladesh
Agricultural University Mymensing
69. Mr. Koushik
Roy Sarker M.Com. (Accounting) Dhaka
University C.A. (Inter.), ICAB
70. Ms. Afrin
Sultana MBA (HR) Bishha Bharati University,
India
71. MSS (Journalism)
Dhaka University.
72. Mr. Shashanka
Shekhar Das M.Com. (Accounting) Dhaka
University.
73. Ms. Nusrat
Zahan M.S.S. (International Relations)
Dhaka University
74. Mr. Md. Habibur
RahmanM.Com. (Management) Dhaka University
75. Mr. Md. Manir
Hussain M.Sc. (Agricultural Economics)
Bangladesh Agriculture University Mymensingh
76. Mr. Md. Lutfor
Rahman M.Sc. (Economics) Chittagong
University, Chittagong
77. Mr. Md. Shorful
Islam M.Sc. (Physics) Dhaka University,
Dhaka
78. Mr. A.K.M.
Faizul Haque M. S. S (Public Administration)
Dhaka University, Dhaka
Officers
79. B. Com. Dhaka
University
80. Mr. Md. Abdul
Kader Miah B.Com. (Hons),M.Com (Accounting)Dhaka
University
81. Mr. Md. Sakhiul
Islam M.S.S. (Economics) Dhaka University
82. Mr. Monir
Hasan Dhaka University
83. Mr. Sheikh
Md. Ismail BSS(Pass) National University
84. Mr. Abul Kalam
Azad MS (Agril. Extension Education)Bangladesh
Agricultural University.
85. Ms. Farhana
Nabi M.A (English) National
University
Adviser
Ms. Parveen Mahmud normal F.C.A.
Poverty
Alleviation Microfinance Project (PAMPF
MIS Associates
1. Ms. Khaleda Banu M.Sc.
(Geography) Dhaka University
2. Mr. Firoz Zaman
M.Com. (Management)Jagaannath
University College
3. Mr. Md. Tariqul
Alam M.Sc (Physics)
Dhaka University.
Participatory
Live Stock Development Project (PLDP)
Coordinator
1. Mr. Mosharrof
Hossain B.Sc.
A.H. (Honors) M.S.
(Dairy Science) Bangladesh
Agricultural University Mymensingh
Palli
Karma-Sahayak Foundation
(PKSF)
Annual Report"2000-2001"
-
PKSF
Bhaban, Plot: E-4/B, Agargaon Administrative Area, Sher-e-Bangla
Nagar, Dhaka-1207, Bangladesh
Phone: 880-2-9140057-9, Fax: 880-2-9134431
E-mail:pksf@pksf-bd.org
Web:
www.pksf-bd.org
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