SAJIDA Foundation Health Happiness Dignity for all SAJIDA

SAJIDA Foundation Health, Happiness & Dignity for all

SAJIDA Foundation Established informally in 1987 as private – family funded charity & formally started its operation in 1993 as a non-profit institution. Mission To improve the quality of life in the communities where we work through sustainable and effective interventions.

SAJIDA Foundation Guiding Principles and Values q. Innovation & Quality üWe bring innovation and quality to everything we do q Empowering Mothers & Families üWe recognize the central role of mothers in uplifting their families q Inclusiveness & Dignity üWe believe all lives are equal q Transparency & Accountability üWe are transparent and accountable in our work

SAJIDA’s Programs Microfinance Micro insurance Health Urban Microcredit Nirapotta (Safety net) Hospital Rural Microcredit Livestock Micro. Enterprise DIISP Ultra Poor Seasonal Agriculture Community Health Seasonal Tuberculosis Control Disaster Education Family Festival Supplementary Products Savings Emergency/ Health Institute of Health Sciences PRIME Mandatory SAMRIDDHI Agriculture & Livestock Malaria Control Voluntary Special (FDR) Psychosocial Counseling Support Service Others Amrao Manush IMPACT Adhunika Women’s Center CCCP

Completed Projects Interventions Donors Year of Completion Vocational Training, Health and Microcredit Neimeth Foundation, USA 2006 Family Savings Program CARE Bangladesh 2006 Integrated Eye Project ORBIS International 2008 Village Savings and Loan Association (CLP) DFID 2009 Blue Peter Meal and Deal Project Save the Children, UK 2010 Chittagong Hill Tracts Development Facility (CHTDF) UNDP 2011 Education Support Program BRAC 2011 Savar Rana Plaza Victims Own 2013

At-a-Glance Working Areas : District- 6, Upazilla- 55, Union- 259, Village- 1, 633 (Districts: Dhaka, Narayanganj, Gazipur, Chittagong, Jamalpur & Sunamganj) Total Staff – 1, 549 (M-948 F-601) Coverage – 5. 0 million people Partner Organizations – Palli Korma Shohayak Foundation (PKSF), BRAC, Concern Worldwide, Irish Aid, Global Fund, UNDP, Water Aid and Adhunika Foundation USA Budget - BDT 7, 112 million (USD 88. 90 million) (July 2013 – June 2014) BDT 9, 050 million, (USD 113. 13 million) for (July 2014 – June 2015)

Microfinance

Microfinance program Current Status (June ’ 14) Working Districts Dhaka, Narayanganj, Gazipur, Chittagong, Jamalpur Number of Branches 102 Number of Members 157, 309 Number of Borrowers 133, 362 Number of Staff Cumulative Disbursement 1, 165 BDT 20, 740 million (USD 259. 25 million) Total Loan Outstanding BDT 2, 600 million (USD 32. 50 million) Total Member Savings BDT 1, 020 million (USD 12. 75 million) Cumulative Recovery Rate 99. 64 % On Time Recovery Rate 98. 58% Self Sufficiency Level 123%

Microinsurance SAJIDA’S Core micro insurance program is named as NIRAPOTTA (SAFETY NET) A comprehensive micro insurance program for microfinance borrowers established in 2006 to provide social protection and security. Addresses basic lifecycle needs of the poor that include health costs, death costs, educational expenses, disaster loss and other financial risks. NIRAPOTTA Principles Mutual Help Self Help Integrated Services Sound Insurance Principles

NIRAPOTTA (SAFETY NET) • NIRAPOTTA, SAJIDA Foundation's comprehensive microinsurance Program • Microinsurance protects SAJIDA members from various types of risks of their lives • Microinsurance helps sustain financial solvency achieved through microfinance • Microinsurance along with Microfinance ensures integrated development

EDUCATION scholarships of Tk 300 to Tk. 500 per month for meritorious students Financial assistance of Tk. 500 to Tk. 4, 000 for HEALTH treatment NIRAPATTA Free LEGAL Consultations Free Normal Delivery and Cataract operation at SAJIDA HOSPITAL Make your family life safe with very minimal fees SAJIDA Bondhu around you for providing basic health care services Upon DEATH, Tk. 4, 000 cash assistance and loan waiver up to Tk. 39000 Finance assistance of Tk. 10, 000 for FIRE disaster CALL CENTER for any queries

NIRAPOTTA (SAFETY NET) Premium The premium covers up to 5 family members. Coverage is for entire loan-term. • BDT 250 -1050 (USD 3. 0 - USD 13. 0) per year depending on loan amount and loan tenure. BDT 100 (USD 1) per additional member.

NIRAPOTTA (SAFETY NET) Benefits § Loan and Life Insurance – At death of member or spouse, outstanding loan amount up to a maximum of BDT 39, 000 (USD 500) is waived, and cash benefit of BDT 5, 000 (USD 63) is given. § Health Insurance – • Community Health Program through SAJIDA Bondhu (friend of SAJIDA) for providing promotive, preventive and basic curative care and diagnostic service with appropriate referral. • Fixed cash benefits (BDT 500 to BDT 4, 000) (USD 6. 5 to USD 37. 5) for several health treatments. • Free Normal deliveries, free Cataract operations, free consultation for General physicians and discount rate offered to members at SAJIDA Hospitals. § Manmade Disaster (Fire) Insurance - A cash benefit of BDT 10, 000 (USD 125) is given. § Education – Scholarship of maximum BDT 500 (USD 6. 5) per month is given to students from class 6 and onwards. § Legal Aid – Legal consultation services and referrals are provided to members.

Health Insurance (Health Claim Table) Treatment Amount (BDT) General Surgery (max) 4, 000 ($ 50) Obstetrical and Gynecological Surgery (max) 4, 000 ($ 50) Ophthalmic Surgery Accident Hospitalization (Five days) ANC Support with danger signs (two times in a year) Acute respiratory tract Infection (max) 1, 500 ($ 18. 75) (max) 3, 000 (($ 37. 50) 3, 000 ($ 37. 50) (each time) 500 ($ 6. 25) 750 ($ 9. 37) Neonatal Emergencies (max) 2, 000 ($ 25) Normal Vaginal Delivery (if hospitalized) (fixed) 2, 000 ($ 25) Asthma Adult (two times in a year) Burn and Scalding Other Medical consultation by SAJIDA doctors (MBBS) (each time) 750 ($ 9. 37) 1, 500 ($ 18. 75) (max) 4, 000 ($ 50) Free

Livestock and DIISP § Livestock Insurance – The livestock insurance premium is 0. 7% of the loan amount, plus BDT 100 (USD 1) for veterinary services. Upon death of cattle, 85% of the loan amount will be waived. § Developing Inclusive Insurance Sector Project (DIISP) • With financial and technical assistance from PKSF, we initiated the Microinsurance Program named “Developing Inclusive Insurance Sector Project” (DIISP) • In 2 of our Jamalpur PRIME branches, offering credit, life, health (with free paramedic service) and livestock (cattle) microinsurance. • The credit life insurance waives any outstanding loans and pays a cash benefit of BDT 5, 000 (USD 63) for funeral expenses upon death of a member or his/her spouse for a premium of BDT 40 (USD 0. 5) plus 0. 5% of loan amount. • The health insurance pays a cash benefit of tk. 200 (USD 2. 5) in daily basis for hospitalization upto a maximum of 30 days for a premium of tk. 250 (USD 3. 13). • Under health insurance free paramedic service given for member.

New Insurance Product Insurance for savers: • SAJIDA savers will be eligible for a FREE packaged insurance product as long as they maintain a minimum total savings balance including Mandatory and Voluntary Savings. • Premium paid by SAJIDA 0. 1% (of monthly savings balance) or 1. 2% of annual savings balance (based on total savings balance for all savers • For eligibility Minimum total savings balance including Mandatory and voluntary of BDT 7, 001 (USD 88) for at least 1 month. • Cover is renewable on a monthly basis, as long as the member maintains a minimum of BDT 7, 001 (USD 88) in total savings. Benefits are Health and Education services: • Fixed cash benefits will be provided for serious health conditions and Tuitions will be provided for class 2 and class 3 children of the savers

New Insurance Product Group insurance for ME borrowers’ employees: • A group insurance contract will be provided to the ME borrower upon premium collection specifying insurance benefits and number of employees covered. • The insurance product provides health, life & accident coverage for all the employees who will be insured. • Premium 260 (USD 3) (50% ME borrower and 50% employee ) • Term 1 year, Coverage Employee and Spouse Benefits: • Fixed cash benefits will be provided for serious health conditions • Taka 5, 000 cash benefit upon death of employee or spouse • If an employee has an accident or disability caused by workplace that leads to inability to work, then, the employee can take partially paid leave of a maximum of 2 weeks during which 50% of his / her wage will be paid for.

Nirapotta snapshot as of June 2014 No. of Members Enrolled 114, 490 Population Covered 572, 450 Premium collected BDT 236. 2 (USD 3) million No. of death claims 4, 125 Amount of death claims paid No. of cattle deaths Amount of cattle claim paid No. of health claims Amount of health claims paid No. of disaster claims Amount of disaster claims paid No. of scholarship installments disbursed BDT 54. 5 (USD 0. 68) million 6 BDT 0. 2 (USD 0. 003 ) million 34, 494 BDT 67. 1 (USD. 084 ) million 826 BDT 3. 7 (USD 0. 05 ) million 7, 526 Amount of scholarships paid BDT 16. 8 (USD 0. 21 ) million No. of legal aid consultations 1, 177

Health programs Hospitals • SAJIDA hospitals are self-sustaining healthcare facilities that provide institution-based services to the communities. • SAJIDA hospitals provide comprehensive healthcare with modern medical, surgical and diagnostic facilities.

Health programs Objectives q Protect members in the event of catastrophic illness q Support members with costs associated with health needs q Help members sustain their improved financial conditions through the Microfinance program q Two SAJIDA hospitals, one 100 -bed hospital at Keranigonj and another 70 -bed hospital at Narayangonj, that provide secondary care at affordable costs, and offer discount cards to patients

Services Provided of SAJIDA Hospitals Out patient In patient • General Treatment • Antenatal and Postnatal Care • Specialist Services: Medicine, Pediatrics, Gyn/Obs Surgery, Orthopedics, Skin/VD, Eye, Ent and Dental • Laboratory Services • Physiotherapy • Immunization and Family Planning Services • X-ray, ECG, Ultrasonography and Echo Cardiography • Pharmacy from 8: 30 am till midnight • Admission: General beds, Cabins: A/C and non A/C • Safe deliveries • Gynecological and obstetrical management and operations: D&C, Caesarean Section, Ectopic Pregnancy, Hysterectomy • Orthopedics • General Surgery, Eye and ENT Surgeries • Intensive Care Unit for newborn and children • Phototherapy • Management of patient with emergencies 24/7 Emergency Services 24/7 Ambulance Services

Program Achievements Hospital’s operational cost recovery was 103% Cost recovery including depreciation was 95% (As of June 2014) No. of patients treated 1, 205, 030 No. of hospital admission 39, 716 No. of normal deliveries performed 3, 537 No. of caesarean sections performed 10, 464 Other operations performed 7, 835 No. of lab tests 438, 154 Ultrasonography performed 78, 865 No. of Cataract Operations 4, 362

Community Health through SAJIDA Bandhu Goal To ensure health services at the doorstep of members by direct intervention and referral services, especially targeting pregnant women and children.

Cont…. Community Health Program through Sajida Bondhu for providing promotive, preventive and basic curative care and basic diagnostic service with appropriate referral. A trained SAJIDA Bondhu (friend of SAJIDA) gathers information and delivers services at the household level. One SAJIDA Bondhu is assigned for each branch. Make community people aware, give preventive health education & treatment and refer to appropritae health centres are their core work.

Health-related programs q. Tuberculosis and Malaria Control programs q Health services for street dwellers of Dhaka and Chittagong city q An Institute of Health Sciences (IHS) to create qualified skilled workforce in health amongst SAJIDA members / staff and their families, and other poor people, especially women

Psychosocial Counseling Support Services SAJIDA believes Health encompasses both mental and physical well being The centre has professionally trained counselor psychologists to offer all ranges of psychosocial counseling support Para-counselors are trained to offer psychosocial counseling services to the Microfinance borrower

Governance • SAJIDA has dynamic and experienced members in General body • The General Body meets once every year and elects Governing Body once in three years • The Governing Body provides strategic direction of SAJIDA and approves the annual plan and budget • The Governing body meets once in every three months • The Governing body appoints the Executive Director who is responsible for over all management of the organization • Audit Committee assists Governing body in conducting the organization’s financial review.

Management • The Executive Director functions through a Senior Management Committee (SMC) comprising of all the heads of departments • • SAJIDA has independent Finance, HR, Admin, Audit, MIS, Training & IT units to support and control all of its activities • SAJIDA has a standard Financial Policy, HR Policy, Procurement Policy, Cost Allocation Policy and also has Table of Authority • Annual Budget is first presented to SMC and ED, upon finalization is sent to Governing Body and later to General Body for approval • Budget variances are discussed in SMC meeting every month and in Governing body meeting quarterly

Financial Control System • SAJIDA has a standard Financial Policy • Every Bank account has joint signatories • Salaries are disbursed through bank accounts • Fund transfer carried through bank • Each program and project is audited at least twice in a year by internal audit and motoring unit • Extraordinary audit findings are placed in front of audit committee comprising of three Governing Body Members.

Awards and Achievements Best Published Accounts and Reports (under NGO / NPO sector) award by Institute of Chartered Accountants of Bangladesh (ICAB) q q q 2012 - merit certificate 2011 – 1 st Prize 2010 – 1 st Prize 2008 – 3 rd Prize 2006 & 2009 - 2 nd Prize Presented Accounts (under NGO sector) award by South Asian Federation of Accountants (SAFA) q q q 2006, 2009 & 2011 - merit certificate 2008 - Joint 1 st runner-up 2010 – 1 st runner-up 3 rd Best Micro Finance Institution in Bangladesh in year 2010 by Citi Group

Awards and Achievements • Citi Micro-entrepreneurship awards under Best Innovative Microfinance Institution (MFI) for the year 2013 • Awarded with a trophy by the International Labor Organization’s (ILO) Microinsurance Innovation Facility in recognition of the commitment to enhancing the value of Microinsurance (2011 -2013 ) at Jakarta, Indonesia.

Thank You Please visit www. sajidafoundation. org for further information