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Core projects
The core projects set-out the areas of work that NDP will always endeavour to run and fund as a priority, these are projects that define the organisation and its values.
#.Micro-Finance Programme:
The micro-finance programme is the core programme of NDP that starts on 01.01.1994. The objective of the program is to change the livelihoods of the target beneficiaries through economical empowerment. There are seven components under MFP, which include- i. RMC (Rural Micro Credit) ii.  UMC (Urban Micro Credit) iii. UPP (Ultra Poor Programme) iv. MEL (Micro Enterprise Lending) v. LRP (Livelihoods Restoring Programme) vi. SLP (Seasonal Loan Programme) vii. ASMC (Agricultural Sector Micro-Credit) and EFRRAP (Emergency Flood Restoration and Recovery Assistance Programme). Each component has its own characteristics and different loan ceiling. The major activities are Baseline survey, Awareness raising, Facilitate in grass-root organization (somittee) building, Savings building, Credit operation and Marketing assistance. At present there are 5 Area Offices and 26 Branch Offices. Of them 18 in Sirajgonj, 2 in Bogra, 5 in Natore and 1 in Pabna districts. There are 49,340 beneficiaries enrolled in 2,118 somittee (groups) in MFP at the end of March 2010, of which about 99% are female. The total loan outstanding (principal) is Tk. 247,340,178 and the number of ongoing loan is Tk. 38,922. The beneficiaries are also encouraged to build up savings and the total savings outstanding is Tk.65,939,783. The PKSF is the main donor of MFP. Besides, the group savings and organization’s own fund is also utilized in credit operation
General statistics of different component:
Sl. # Name of Component Rate of interest
Achievement 2008-2009
Amount Disursed # of Loan Reimbursed Amount Reimpursed Amount Outstanding
01 Rural Micro Credit(RMC) Annual 12.50% 278,265,000 23,868 237,424,154 143,753,364
02 Urban Micro Credit(UMC) Annual 12.50% 54,385,000 3,818 50,894,486 26,526,494
03 Ultra poor Programme(UPP) Annual 10.00% 41,479,000 7,905 31,694,922 21,461,315
04 Micro Enterprise Lending(MEL) Annual 12.50% 23,388,000 409 18,282,502 12,355,684
05 Livelihoods Restoring Programme(LRP) Annual 4.00% 14,412,000 *3,851 14,174,711 5,738,177
06 Seasonal Loan Programme(SLP) Annual 12.5% 3,506,000 320 12,601,190 3,236,810
07 Agricultural Sector Micro Credit(ASMC) Annual 2.00% 5,234,000 451 1,703,475 3,530,525
Total 420,669,000 36,451 366,776,440 216,602,369

The following chart shows the ratio of component wise loan

(principal )outstanding in 2008-09.

Micro finance operation.(Mpo) the main activity is to provide micro-finance support in the income generating activities taken by the somitee members.
The following table shows the performane o micro-finance operation at a glance:
Sl # Activities
Year 2008-2009
Remarks
Target
Achievement
Male Female Total %Achived
01

Somittee enrollment:

i.Somittee formation

ii.Somittee outstanding

450

2125

00

12

322

1,987

322

1,999

172%

94%

Actual(excluding dropout)
02

Members entrollment:

i.Members admission

ii.Members outstanding

11000

48000

00

269

9,175

45,575

9,175

45,844

83%

96%

Actual (excluding dropout)
03

Saving accumulation:

i.Saving collection

ii.Saving Outstanding

25000,000 80,000,000

63,829

822,047

13,155,726

61,469,354

13,219,555

62,291,401

53%

78%

Actual(excluding withdrawl)
04

Loan disbursement:

i.# of loan

ii.Amount(principal)

43,600

472,000,000

253

3,000,000

40,600

417,668,000

40,853

420,668,000

94%

89%

 
05

Loan realization:

i.# of loan completely realized

ii.Amount (Principal)

iii.Service charge

32,000

394,049,000

47,110,000

544

3,670,402

615,044

30,480

363,105,550

41,788,000

31,024

366,775,952

42,403,044

69%

93%

90%

 
06

Loan outstanding

i. # of loan

ii.Amount(Principal)

36,750

240,650,000

197

2,542,000

36,254

214,069,369

36,451

216,602,369

99%

90%

162,710,318
The bar chart showing Savings and Loan (principal outstanding since 2005-06):
 
#.Training Programme:

The aim of the program is to develop human resources and skill of the staff and beneficiaries and create resources for the organization. The training program starts on 01.01.2000. The major activities are Need assessment, Curriculum and module design, Training conduct (human and skill development) and Training evaluation. The organization has a well-equipped modern training center with residential facilities for 60 participants adjacent to the head office premises. There are the experienced trainers on human and skill development, who design and develop the training modules and materials and also conduct the training courses. It has adequate modern training equipments including multi-media. The program has been launching by organization’s own fund.

 
#.Agricultural Extension Project:

The project has been implementing since 01.04.1998. Its objective is to promote appropriate technologies and enhance agricultural production thus raise income and create employment opportunities for the target beneficiaries. The major activities are Beneficiaries training; Homestead vegetable cultivation, Livestock & poultry rearing and Demonstration & extension. The department of agricultural extension (DAE-GOB) has been providing technical support in the project. The farmers are introduced with new technologies and assisted in procuring HYV seeds, saplings and other inputs. The project has been launching with NDP’s own fund.

 
#.Fisheries Project:

The project starts on 01.07.1994 with an aim to enhance fish production and create short-term employment opportunities for the beneficiaries. The major activities are Pond re-excavation, Fish culture management training, Fish culture and Pond monitoring. The privately owned ponds are taken leased by the NDP beneficiaries for a period of 3-7 years followed by a tri-parties benefit sharing agreement. The project has been launching with organization’s own fund.

 
#.Social Foresty Project:

The project starts on 01.07.1992 with the aim to create environmental awareness among community and enhance social forestation. The major activities are Awareness raising on environmental issue, Training on plant management, Nursery development, Roadside tree plantation and care taking. NDP has established a central nursery with a capacity of producing 30,000 saplings of different species (timber, medicinal plant and fruit trees) per annum to make quality plant saplings available to the villagers. The project has been launching with the assistance of the department of forestry (DOF-GOB) under its forestry sector programme. The organization has been contributing its own fund in the project.

 
#.Housing Project:

The project starts on 01.07.2002. The aim of the project is to ensure housing facilities for the poor people thus enable them to have social security. The major activities are Housing-loan support and ensure specified housing materials for the beneficiaries. Under the said project the interested beneficiary is provided with a loan support of Tk.27,500 with 5% interest for a period of 5 years, payable on monthly installment. The borrower is obliged to build a tin-shed house as per the specification of Bangladesh Bank, who has been funding in the project.

 
#.Disaster Management Project:
The project starts on 01.04.2000. The objective of the project is to make aware and develop capacity of the community people on disaster management. The major activities are Community awareness raising, Training on disaster preparedness & management and undertaking rescue operation, emergency response and rehabilitation initiatives. The organization has its own disaster management committee at its head office and upazila level offices. It has its own contingency plan. The organization has the required experienced staff along with equipments/other resources to face any disaster. The organization works in collaboration with the DMC at union, upazila and district level. The project has been funding by CARE Bangladesh, Islamic Relief Bangladesh, UNDP, UNICEF and WFP. Further, NDP has been selected as a pre-qualified NGO by the UN Agency Groups (UNDP, UNICEF and WFP) to work together in the event of emergency relief and rehabilitation in Bangladesh
 
#.Disability and Development Project:

The objective of the project is to changes livelihoods of the PWD (people with special ability) through awareness raising of the community people on disability issues and social responsibilities, capacity building of the PWD and social inclusions to them. The project has started on 01.01.2000. The major activities are Community awareness raising, Organize meeting, seminar and workshops, Publicity, PRT, Referral services, Assistive device support, Rehabilitation and Social inclusion to the PWD. The organization has established a PRT service center at its head office campus where the trained CHDRP provide PRT services free of cost to the PWD. Further, the poor PWD gets referral services and assistive device supports free of cost. At present the project has been operating through NDP’s own fund and CDD has been providing the required technical support.

 
#.Health Programme:

This is a special initiative taken by the NDP, which starts on the 1st January 2009 with organization’s own funding sources. The objective of the program is to promote and enhance health services for the local community, especially for the women and children of the poor households. The major activities are Baseline survey/FGD, court-yard session on health, hygiene and FP; outdoor services, patient follow-up, pre and anti natal care services, minor pathological testing and routine testing; specialized doctors services. The interested households are classified into four categories (extreme poor, poor, middle class and rich) and issued them family health cards with a minimum charge, except free for the extreme poor households. Available health services and essential medicines provided to them at NDP’s Health Center with a minimum charge, which is free for the extreme poor households.

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National Development Programme-NDP
NDP Bhaban,Bagbari,Shaid Nagar, kamarkhanda, Sirajganj-6703
Email:akhan_ndp@yahoo.com