sajida foundation health, happiness & dignity for all
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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 ValuesInnovation & Quality
We bring innovation and quality to everything we do
Empowering Mothers & FamiliesWe recognize the central role of mothers in uplifting their families
Inclusiveness & DignityWe believe all lives are equal
Transparency & AccountabilityWe are transparent and accountable in our work
SAJIDA’s Programs
Microfinance Micro insurance Health Others
Hospital
Community Health
Tuberculosis Control
Malaria Control
Institute of Health
Sciences
Psychosocial Counseling
Support Service
Amrao Manush
Adhunika Women’s Center
IMPACT
Urban Microcredit
Rural Microcredit
Micro-Enterprise
Ultra Poor
Seasonal Agriculture
Supplementary Products
Savings
Mandatory Voluntary Special (FDR)
Nirapotta (Safety net)
DIISP
Livestock
PRIME
SAMRIDDHI
Seasonal Disaster Education
Emergency/Health Family Festival
Agriculture & Livestock
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-GlanceWorking 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 programCurrent Status (June ’14)
Working Districts Dhaka, Narayanganj, Gazipur, Chittagong, Jamalpur
Number of Branches 102Number of Members 157,309Number of Borrowers 133,362Number of Staff 1,165Cumulative Disbursement 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, 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
NIRAPOTTA (SAFETY NET)
NIRAPATTAMake your family life
safe with very minimal fees
Financial assistance of Tk. 500 to Tk.
4,000 for HEALTH
treatment
Upon DEATH, Tk. 4,000 cash
assistance and loan
waiver up to Tk. 39000
EDUCATION scholarships of Tk 300 to Tk.
500 per month for meritorious
students
Finance assistance of Tk. 10,000 for FIRE disaster
Free Normal Delivery and
Cataract operation at
SAJIDA HOSPITAL
SAJIDA Bondhu
around you for providing basic health care services
Free LEGAL Consultations
CALL CENTER for any queries
NIRAPOTTA (SAFETY NET)
PremiumThe 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 (max) 1,500 ($ 18.75)
Accident (max) 3,000 (($ 37.50)
Hospitalization (Five days) 3,000 ($ 37.50)
ANC Support with danger signs (two times in a year) (each time) 500 ($ 6.25)
Acute respiratory tract Infection 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) (each time) 750 ($ 9.37)
Burn and Scalding 1,500 ($ 18.75)
Other (max) 4,000 ($ 50)
Medical consultation by SAJIDA doctors (MBBS) 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 ProductInsurance 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 andTuitions will be provided for class 2 and class 3 children of the savers
New Insurance ProductGroup 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 2014No. 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 BDT 54.5 (USD 0.68) million
No. of cattle deaths 6
Amount of cattle claim paid BDT 0.2 (USD 0.003 ) million
No. of health claims 34,494
Amount of health claims paid BDT 67.1 (USD .084 ) million
No. of disaster claims 826
Amount of disaster claims paid BDT 3.7 (USD 0.05 ) million
No. of scholarship installments disbursed 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 programsObjectives Protect members in the event of catastrophic illness
Support members with costs associated with health needs
Help members sustain their improved financial conditions through the Microfinance program
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
(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
Program Achievements
Hospital’s operational cost recovery was 103% Cost recovery including depreciation was 95%
Community Health through SAJIDA Bandhu
GoalTo ensure health services at the doorstep of members by direct intervention and referral services, especially targeting pregnant women and children.
Cont….
A trained SAJIDA Bondhu (friend of SAJIDA) gathers information and delivers services at the household level.
Community Health Program through Sajida Bondhu for providing promotive, preventive and basic curative care and basic diagnostic service with appropriate referral.
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 programsTuberculosis and Malaria Control programs
Health services for street dwellers of Dhaka and Chittagong city
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
• 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.
Governance
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)
2012- merit certificate 2011 – 1st Prize 2010 – 1st Prize 2008 – 3rd Prize 2006 & 2009 - 2nd Prize
Presented Accounts (under NGO sector) award by South Asian Federation of Accountants (SAFA)
2006, 2009 & 2011 - merit certificate 2008 - Joint 1st runner-up 2010 – 1st runner-up
3rd 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