Master_REPORT_On_Compensation_and_Benefi

3.3 Micro-Credit Program
DSK has a vision that came out of social and economic mission of bringing financial service
to the poor and the poorest so that they can come out of poverty. As micro credit service
provider DSK at present is providing microcredit to 225,321 families through its 116
branches in 31 Upazilas of ten different districts both in urban and rural areas. The Urban
areas are in Dhaka, Khulna and Chittagong cities. The rural areas are Gazipur, Netrokona,
Kishoreganj, Narayanganj, Narshingdi, Sunamgonj and Mymensing districts. DSK has
started micro credit through replication of Grameen model in the year 1992 in one of the
Dhaka city slums, since then it has served 2,25,321 families and had disbursed Tk.
28,359,405,000 as loan till February 28,2017 . Present outstanding loans stands at Tk
3,855,695,841 and total savings deposit of Tk 1,295,196,538. DSK has successfully created
loan loss provision required for the classified loans as per standard requirements. A
successful Microfinance program starts with clear objectives to set up permanent institutions
with systems designed to provide standard financial service on a long-term sustainable basis.
This objective implies following key things: good quality financial products and services,
delivery by an appropriate institution on a profitable basis to satisfy clients who continue to
value and use those services. Quality of financial services means, which would meet the
needs of the poor community and not only the needs of financial institution.
3.4 WASH Projects
Over the years WASH program has established an approach, in urban WASH sector of
Bangladesh which is now recognized as “DSK model” facilitating supply of water to urban
slum dwellers. DSK has been highly regarded for its contribution in urban WASH sector, for
facilitating provision of legal water supply to urban slums. DSK is a pioneer in this direction.
Over the decades, DSK has given focus on WASH support to most disadvantaged
communities like physically challenged, sweeper, transgender, cobblers, snake charmers,
pavement dwellers, ethnic communities etc. DSK’s WASH program is a community led
integrated WASH service that has become popular to slum dwellers, as well as among other
WASH stakeholders. DSK facilitates to establish sustainable community managed system to
continue WASH activities even beyond the project period. DSK focuses on community
empowerment and demand responsive approaches.
Under the WASH Project, I had surveyed slum dwellers as monitoring assistant to know
about how the slum dwellers cope up with the changing culture regarding using safe water,
hygienic toilet, knowing the proper waste management and implement it properly. To ensure
the overall development, several meeting were arranged with different partner organization
and alternative initiative “Result based Reward Hygiene Promotion” was taken. To monitor
the impact of these new initiative 5 slums 17 % of the total PEHUP slum (Hindu para,
Sobhan road-1, Abuler basti, Kalapani and Nagra Mollah) were selected from the 30 slums.
50 families those got hygiene pack in the last two quarters were interviewed and monitored.
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