ENRICH stands for “Enhancing Resources and Increasing Capacities of Poor Households towards Elimination of their Poverty”. It is a distinguished innovative and integrated development program. PKSF works behind the concept, development and technical support of the program. PKSF and SSS have jointly been funding the program. The program is a new distinguished model in permanent poverty alleviation and socio-economic development that has provided variation to the credit program.
Goal and Policy
SSS started to implement ENRICH program from June 2010 in Dainna Union of Tangail Sadar Upazila through Charabari Branch. With a view to delivering the services of ENRICH program to the doorsteps of the target people based on the expansion, innovativeness and acceptability of the activities, a new “Dainna Branch” was opened in Dainna union in 2012. Later, activities of the program was extended under Kaliganj Branch in Bahadursadi union of Kaliganj upazila of Gazipur. PKSF and SSS jointly provides financial support in the program. The main goal of ENRICH program is to increase resources and capacities of poor families and thus alleviate poverty. SSS implements the program under following objectives and policies:
⇒ Empowering poor families under the program;
⇒ Ensuring access of poor people in health, education and nutrition taking special care of women and children;
⇒ Working together with local people and concerned institutions to defend natural disasters and providing support to poor families for post-disaster rehabilitation;
⇒ Expanding government and non-government support to alleviate poverty and implement development process;
⇒ Ensuring optimum use of assets and capacities of poor families and adopting future strategies to increase them;
⇒ Coordinating with concerned government offices and divisions at the field level, such as social services directorate, agricultural extension division, livestock directorate, hospitals or community clinics and schools for the proper implementation of the program.
ENRICH program is an integrated development process. Widespread activities have been adopted under the program in order to alleviate poverty. The mentionable activities are as follows:
Financial Service-related Activities: The families under ENRICH program engage themselves in various income generating activities by getting different demand and capacity-based credits. The program puts efforts to augment their income and life-style by ensuring optimum use of assets, opportunities and capacities. Three kinds of credits are provided under ENRICH program– income generating credit, asset creating credit and livelihood development credit. All members aging above 18 from every family comes under ENRICH microcredit facilities. In this respect, maximum credit per family fixes at Tk. 10,00,000. Only borrowers of income generating credit are entitled to receive asset creating and livelihood development credit. The annual declining rate of service charge for income generating credit is 25 per cent and the repayment duration is one year under weekly repayment system.
The annual declining rate of service charge for asset creating credit is eight per cent with weekly repayment system and the duration is two years. The annual declining rate of service charge for livelihood development credit is eight per cent with weekly repayment system and the duration is one year.
On the other hand, there is a special savings scheme included in general savings for the group members of ENRICH. The speciality of the savings scheme is that the group member will get the equal amount of his/her saved money from ENRICH program after a certain period of time.
Health-Nutrition and Healthcare Activities: Under these activities, SSS provides healthcare services to the doorsteps of the target people through static and satellite clinics, health camps and other counselling and awareness creation activities. There are four health officers and 27 health inspectors under ENRICH program. Health officers provide healthcare to the target people through static and satellite clinics and health camps. On the other hand, every health inspector visits 20 families everyday. They identify patients and send them to satellite and static clinics. They also sell family-based health cards. Health inspectors examines blood pressure of pregnant mothers and common people at the field level and measure weights of pregnant mothers and children. They also examine blood groups and accompany referral patients to the hospital when emergency.
Health inspectors provide regular counsels to the group members about primary healthcare, nutrition and family planning. They also provide overall support for the immunization of women, girls and children in the local vaccination centers held under government initiatives. Besides, health officers provide the patients with treatment and counseling for common diseases and refer them to the hospital in case of emergency. They also distribute anthelminthics, iron tablets and nutrition granules among the patients.
Education and Child Development Activities: In spite of getting admitted in primary schools, children of poor families cannot prepare their daily lessons as their illiterate parents cannot help them in this respect. As a result, the children lose interest in schools as well as in education. In order recover them from the situation, ENRICH program has adopted education and child development activities. There are 55 education centers under ENRICH program. A teacher (female) is engaged in each of the education centers. The teacher teaches two hours everyday including 40 minutes for each subject. The children study at ENRICH education center from 3 pm to 5 pm after their school. Here, they learn and practice their lessons. As a result, eagerness for education and schools has grown in them. The children also practice innovativeness, sports, culture and behavioral norms there.
Besides, the education centers arrange guardian meetings every month. Different matters related to awareness creation of guardians and child development are discussed in the meetings. Especially, food-nutrition for children, their health, development of psychological health, environment and culture are emphasized in their discussion.
Income Generating, Asset Creating and Livelihood Development Activities: ENRICH program has continuously been providing various necessary support to the target people in order to make the credit and savings activities dynamic and ensure sustainable development. These direct services have made income generating, asset creating and livelihood development activities of target people dynamic. The activities include: distribution of Home Systems and Bondu Chula for the livelihood development, tree plantation, paddy and vegetable cultivation and marketing, vermi-compost production, lemon plants distribution, horseradish plants distribution, distribution of fruit plants and high bred hens, Basak plants cultivation under value chain and so on.
Disaster Defending and Infrastructure Development Activities: With a view to implementing community-based infrastructure development activities in the working area of ENRICH, SSS started different activities related to building infrastructures (bamboo and ring culverts), installing tube-wells for ensuring the supply of pure drinking water and setting up or repairing latrines for environment protection since 2011 with financial support from PKSF and the community. Later, the program continues to install and repair demand-based tube-wells and sanitary latrines in different religious institutions and schools in the working area. Making and repairing of bamboo and ring culverts in different roads are also ongoing. These infrastructure development activities have been playing an important role in the defense of natural disasters and livelihood development of the target people. Besides, the target families are continuously made concerned about natural and man-made disasters and disaster preparations through different meetings, workshops and discussions.
Activities related to Social Decadence Alleviation: ENRICH program adopted a number of activities in order to alleviate social decadence and helplessness. Important activities among them are: youth development activities and beggar rehabilitation activities. The program have continuously been putting efforts to provide capacity building training to the unemployed youths and thus engage them in different self and wage based employments. On the other hand, 18 beggars were provided with grants, technical support and other equipments in order to include selected beggars in the working area in income generating activities.
Training and Technical Support Activities: In order to reduce poverty and accelerate development, capacity building trainings are provided on different income generating activities to group members of ENRICH program. Besides, the program continues to arrange discussion meetings, workshops and to provide counsels moving from house to house. The program also provides necessary counsels and technical support to implement different income generating activities.
Support and Coordination Activities: Realistic coordination is required in integrated activities. A mutual cooperation is necessary among similar service providing institutions or divisions or programs. In the working area of ENRICH program, a coordination has been created among government and non-government organizations, running activities of SSS and PKSF. This made easier to gain support from every sector and implement overall activities.
Result and Achievements
During 2016-17, a total of 2,320 group members received credits of Tk. 15.87 crore under the credit activities of ENRICH program. The recovery rate is 99.67 per cent.
Under the education activities of ENRICH, a total of 1,411 children are being taught in 55 education centers. 55 teachers received subject-based trainings.
During the reporting period, eight general health camps, two eye camps and two diabetes camps were arranged under ENRICH health activities. A total of 2,052 patients received healthcare services in these camps. Apart from that, 6,636 patients received healthcare from 812 static clinics and 4,221 patients from 164 satellite clinics. Besides, 1,651 group members were examined for diabetes, blood groups of 500 members were identified and 25 group members received eye operation. 27 health inspectors were trained on nutrition and healthcare services.
Till 30 June 2017 from the beginning, a total of 73 tube-wells, 60 sanitary latrines, 10 bamboo culverts, 27 ring culverts, one public toilet and 485 normal sanitary latrines for the ultra-poor were installed in the working area of ENRICH.
Among the group members of ENRICH program, 75 received training on beef fattening, 100 on cow rearing and 50 group members got training on vermi-compost production. Besides, 360 youths were trained on capacity building and employment creation in 12 batches.
200 latrines were distributed among 200 ultra-poor families. 18 vermi-compost plants were set up for the group members. 1,190 lemon plants, 84 horseradish plants, 6,129 papaya plants, 588 fruit plants, 545 high bred hens, 4,560 egg plants, 2,140 green pepper plants and 415 pheromone traps were distributed. Besides, financial and technical supports were provided to establish 314 family-based and 74 commercial vegetable gardens.