This document summarizes several poverty reduction models implemented in Bangladesh, including Amar Bari Amar Khamar, Palli Sanchay Bank, Comprehensive Village Development Programme, Small Farmer Development Foundation, and Palli Daridro Bimochon Foundation. For each model, it describes the objectives, activities, and benefits for poor and rural communities in Bangladesh, such as providing small loans, training, savings programs, and employment opportunities to improve incomes and livelihoods. Pictures are also included showing beneficiaries of some of these poverty reduction programs.

1. Present By
Syed Rabiul Alam
DG BAPARD
Welcome to All
Bangabandhu Academy for Poverty Alleviation And Rural Development
(BAPARD)
Kotalipara, Gopalgonj-8110, Bangladesh
Rural Development and Co-operatives Division
Ministry of Local Government, Rural Development and Co-operative
(Joint Secretary )

2. Topic
Poverty Reduction Models:
A. Amar Bari Amar Khamar
B. Palli Sanchay Bank
C. Comprehensive Village Development Programme
(CVDP)
D. Small Farmer Development Foundation (SFDF)
E. Palli Daridro Bimochon Foundation (PDBF)
F. Chars Livelihoods Programme (CLP)

3. Amar Bari Amar Khamar
Amar Bari Amar Khamar project is a Bangladesh
Goverment social welfare program designed to
promote farming and welfare in rural Bangladesh and
reduce rural poverty in Bangladesh through small
loans.
Amar Bari Amar Khamar project was established in
2009, with an initial budget of 14.9 billion taka. About
2.18 crore poor and extreme poor people across the
country are getting benefits while a total of 90,000
Village Development Associations (VDAs) have been
formed from which about 43.63 lakh families are
getting benefits.

5. Activities
The government matches the savings, up to 200
taka per month, of Village Development
Associations members.
In 2016, its budget was increased to 80 billion
taka. The association also provides small loans to its
members.
Palli Sanchay Bank was established in 2014 with
51 percent of the shares owned by members of Amar
Bari Amar Khamar project and the rest by the
Government of Bangladesh.

6. The project aim is to alleviate poverty and achieve
the Sustainable Development Goals (SDGs) through
fund mobilization and farming.
It works to make the poor people self-reliant
The government has set a target to form 1.01 lakh
VDAs across the country and the number of
beneficiary families will be 60.62 lakh by 2020
The beneficiaries have deposited over Tk 1,522.41
crore till January 2019 and the government has
provided Tk 1,323.19 crore as grant under the project

7. Pictorial View of beneficiaries from ABAK

8. Palli Sanchay Bank
Palli Sanchay Bank, Rural Savings Bank, is a state
owned bank in Bangladesh. Mihir Kanti Majumder is
the Chairman of the bank. On 2 July 2014, the
Government of Bangladesh passed the Palli Sanchay
Act 2014 to form the Palli Sanchay Bank. The Bank
was modeled after Grameen Bank, which was founded
by Muhammad Yunus According to the act, the
government of Bangladesh would own 51 percent of
the shares and members of Ektee Bari Ektee Khamar
project (One House, One Farm project) would own rest
of the shares.

9. Activities
In 2018, the Palli Sanchay Bank announced plans to
open branches in 462 Upazila (sub-district) of Bangladesh,
having opened branches in 406 Upazilas by February
2018.
In 2020, the bank introduced Grain Stock Loan to
provide finance to farmers facing difficulty in selling their
produce during the COVID-19 pandemic in Bangladesh.
The state-owned Palli Sanchay Bank (PSB) has taken an
initiative to produce skilled manpower
It launched the loan programme and the members of the
Village Development Association (VDA) under the ‘Amar
Bari Amar Khamar’ project

10. Palli Sanchay Bank (PSB) open its branches in all
upzilla headquarters to help poor and extreme-poor
become self-reliant by providing them with collateral-
free loans and bringing their micro-savings in a
revolving credit scheme.
It is focused on bringing in disadvantaged people,
especially women entrepreneurs under institutional
financial services, has been providing collateral-free
loans to rural poor since its inception in 2014.
PSB encourages and helps underprivileged people in
generating income and building savings, and eventually
use their savings in providing more loans under its
revolving credit scheme.

11. PSB provides financial and banking supports only to the
members of the Village Development Organisation (VDO) who
want to do income-generating activities under the ‘One House,
One Farm’ project.
The bank has 1.3 million member families of 24,000 VDOs.
The members have so far deposited about Tk 7.3356 billion in
their bank accounts while the bank disbursed loans of over Tk
2 billion among 140,000 members for supporting their income-
generating initiatives.
The loans are given for cow fattening, raising milking cows,
manufacturing agro-industrial tools and spare parts, producing
vegetable and spices and establishing agro-based small
industries, cottage industries, fisheries and nursery.

13. Pictorial View of beneficiaries from PBS

14. Comprehensive Village Development Programme
(CVDP)
Cooperative movement begun in Bangladesh country
formally in 1904 through cooperative law
Objectives
The main objectives of the project are to: (i) promote
overall development of all segments of population in
a village on the basis of self-effort and self-help by
bringing them under a single co-operative
organization; and (ii) evolve a replicable rural
development model.

15. Major Components
The major components of the project are –
Training and Motivation,
Open Membership,
Trained Village Development Workers,
Capital Accumulation and Investment,
Economic and self-employment activities,
Social Development,
Village Development Plan,
Monthly Joint and Coordination Meeting.

16. Main Features
One village one cooperative: Formation of one
comprehensive village development cooperative
society in a village and spontaneous participation of
all persons irrespective of profession and class of the
village.
Self-effort and self-help: The project does not itself
provide fund to disburse as credit to the members of
the society. Societies generate their fund from their
own contribution and invest jointly their collected
fund in various profitable sectors.

17. Factors for Success
The most important factors that contributed the
success of the project are: (i) co-operative spirit
among the members; (ii) group cohesion and
solidarity; (iii) local resource mobilization; (iv)
leadership development; (v) regular weekly meeting
and accumulation of own capital; (vi) provision of
training and soft credit; (vi) good linkage between
co-operative societies and Upazila level departments;
and (vii) active participation of the beneficiaries and
peoples representatives in decision-making and
implementation process.

18. Small Farmer Development Foundation
(SFDF)
Small Farmers' Development Foundation (SFDF) is
another new model developed for collateral-free
microcredit for small and landless farmers through
commercial banks. Small Farmer Development
Foundation is a government foundation that is
responsible for the welfare of small-scale farms and
farmers.

19. It was an experimental project of Bangladesh
Academy for Rural Development. The project ran
from 1975-1976 in Bogra District, Comilla District,
and Mymensingh District. In July 1988 the project was
expanded to Patuakhali District and Barguna District.
The first part of the project completed in 1991.
The second phase continued from 1991 to 1996 and
included Barisal District and Bhola District.
The third phase of the project ran from 1998 to
2004.During the implementation of the third phase,
Kachua upazila of Chandpur district was included.

20. During the exhibition period, activities were
implemented in 30 upazilas of 06 districts by projecting
6 upazilas including 3 in Chandpur district, 3 in
Mymensingh district, 1 in Bhola district and 1 in Barisal
district. As the exhibition activities were hopefully
reflected in various evaluations, it was decided to turn
the project into a separate organization with the aim of
spreading it across the country. The project was
transformed into a limited company called “Small
Farmers Development Foundation” by registering with
the Directorate of Joint Capital Companies and Firms
under Section 27 of the Companies Act, 1994 with
existing assets and liabilities at maturity.

21. Activities
It provides collateral free micro loans to small
farmers in Bangladesh.
Small Farmer Development Foundation traces its
origins to the Small Farmers and Landless
In last 3 year, SFDF included 76,000 members by
forming 2580 centers.
The SFDF distributed 387.09 crore taka as
microcredit/small entrepreneur microcredit be involved
in increase in agricultural production, self-employment
and income generating activities without any security.

22. SFDF collected 336.47 crore taka through weekly
installments. The rate of collection of loan is 95%.
Total 31.90 crore taka was deposited by the members
as self capital formation.
The foundation trained up 1213 employees and
11,010 beneficiaries as skill development training and
income generating/motivational training respectively.

24. Palli Daridro Bimochon Foundation
(PDBF)
It is a Bangladesh Government foundation that is
responsible for reducing rural poverty in Bangladesh.
It was established in 1999 by the Parliament of
Bangladesh.
It was founded as a statutory, non-profit
organization and with independent management.
It has received financial support from the Canadian
International Development Agency.

25. Vision Of PDBF
Socio-Economic development of the rural poor and
disadvantage people by training, credit linkage and
upliftment of women empowerment and gender equity.
Mission of PDBF
The mission of the Palli Daridro Bimochon
Foundation PDBF (Foundation for the Elimination of
Poverty) is to alleviate poverty and promote the socio-
economic development of poor and gender equity. To
successfully accomplish this objectives PDBF
implementing the following programs:

26. Forming a association by oraganizing the poor and
troubled people.
The development of savings habits, Distribution of
Micro-Loans to income generating activities and The
Economic Development by ensuring the proper use of
credit money.
Implementing Small Enterprise Loan Program for
making small entrepreneurs.
Raising Awareness of Education, Health, Civil
Rights, Women Rights and Awareness about the Law
and developing the economic conditions by blooming
the leadership of beneficiaries

27. Activities
It provides Small Enterprise Loan in rural areas of
Bangladesh.
An amount Tk 411 crore was given as loan to
about 5 lakh clients of 291 upazilas for alleviating
poverty by Palli Daridro Bimochon Foundation
Its prime duty is to make poor people self-
sufficient providing them micro-credit.
There are 4000 employees involved in this
institution, including permanent, temporary and
project-based manpower.

28. It has been working for the elimination of rural poverty
by ensuring social development, men-women equality and
women's empowerment. The microfinance movement,
however, has shown that there is a thriving market among
the poor when financial products cater to their specific
needs.
The poor are a quite active group in any economy. PDBF
has shown that their needs can be met while at the same
time making the providing institution profitable as well.
PDBF operates microfinance loan along with Small
Enterprise Loan (SELP) to enhance economic capacity of
the rural disadvantaged peoples.

30. Chars Livelihoods Programme
(CLP)
CLP was co-financed by the UK Department for
International Development (DFID) and the Australian
Department of Foreign A-airs and Trade (DFAT). It
was managed by Maxwell Stamp PLC and sponsored
by the Ministry of Local Government, Rural
Development and Cooperatives (MLGRD & C) and
executed by the Rural Development and Cooperatives
Division (RDCD) of the Government of the People’s
Republic of Bangladesh.

31. Activities
CLP operated in two phases – CLP1, from 2004 to
2010, and CLP2, from April 2010 to March 2016.
Over that time, CLP accumulated substantial
experience from working with the extreme-poor in
remote areas.
CLP is widely recognized as having been a very
successful programme.
CLP2 directly (and in many cases dramatically)
transformed the lives of over 78,000 core participant
households, and improved the livelihoods of one
million poor and vulnerable people.

32. It achieved this while operating in one of the most
challenging environments in the world: the riverine
island chars in the Jamuna (Brahmaputra), Teesta,
and Padma rivers of north-western Bangladesh.
During the course of its implementation, CLP
needed to undergo a number of major changes, to
respond to a range of new challenges, and to test out
a variety of approaches. It involved itself in many
different activities, spanning everything from
livelihood improvement to market development,
from social protection to land reform, from education
to nutrition, and from health to veterinary services

33. 78,026 families received income-generating assets
to diversify their livelihoods
77,145 households were moved onto raised plinths
to reduce risk of flooding
162,409 char households were given access to a
sanitary latrine
CLP had a significant impact on the empowerment
of its female core participants
76 private partnerships were developed for the
benefit of chars communities

34. 33,203 mobile satellite health clinics were
organised by CLP
78,026 families received income-generating assets
to diversify their livelihoods
CLP offered a range of support to extreme-poor
families on the chars
According to CLP’s graduation criteria, a total of
69,989 households graduated after they received CLP
support!

37. Thanks All