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Rural Mothers' Centre

Women make up half of the total population of Bangladesh, most of whom are underprivileged living in rural areas. With the aim of empowering all these women, economic emancipation and socio-economic development, the Department of Social Services under the control of the Ministry of Social Welfare has been implementing the Rural Mother Center program since 1975. Reducing family-based poverty by mobilizing disadvantaged, deprived, poor and distressed women by ensuring active participation of women. Through this program, the targeted low-income and backward poor women of the upazila level village areas are organized and formed their own capital. Rural maternity center program is being implemented with the participation of only women capable of giving birth.


This program is running in 8 upazilas in Bhola district. The main objective of Palli Matri Kendra is to inform and inspire poor women in villages about the benefits of small family formation, adult education, health and nutrition, maternal and child care, as well as provide microcredit, savings generation and income generation through financially beneficial activities for the economic development of the poorest communities. Each member is provided an interest-free micro-loan ranging from Tk 10000 to Tk 50000. This loan is repayable in 10 equal installments with a service charge of 5% for a maximum period of 1 year.


Services :

To mobilize poor women and bring them into the mainstream of development;

Poverty alleviation and improvement of standard of living;

Providing assistance in creating planned families;

Services related to the implementation of national population programs;

awareness raising and skill development;

Micro-loans from Tk 10 thousand to Tk 50 thousand;

Formation of own capital of targeted women's organizations.


Service Recipient :

A resident of the selected village

  • Party member of Palli Matri Kendra Kardal
  • Category 'A' whose family members have average annual income upto Rs 50,000 (poorest).

Average annual family income between Tk 50,001 to Tk 60,000 (poor) 'B' category

Category 'C' with average annual household income above Rs 60,001 (above poverty line)

Other services including 'A' and 'B' category microcredit and other social services except category C interest-free loans;


Those involved in the implementation of the program :

7 upazila social service officers under Bhola district are involved in the implementation of this program. The Deputy Director and Assistant Director of the District Social Service Office, Bhola supervise the field level activities and coordinate between the field level and the headquarters. At the field level, the upazila program implementation committee is the program implementation authority. Upazila Social Service Officer and Upazila Executive Officer work as Member-Secretary and President respectively of the Program Implementation Committee.


Service Center :

07 upazila social service offices of Bhola district.


Functions :

village elections;

village survey;

Organizing and organizing groups of the target poor population;

Formation of village/mahalla committee;

provide literacy;

Encouraging various social issues;

(Family planning, backyard vegetable cultivation, social forestry, safe drinking water, sanitation, primary health care, nutritional awareness, family planning, care of pregnant mothers, immunization of children, prevention of child marriage, anti-women abuse and dowry awareness, prevention of drug abuse , sending children to school etc.)

Provide vocational and skill development training;

Application in the prescribed application form for obtaining micro-loans;

Selection of appropriate borrowers for socio-economic development;

execution of contracts;

providing interest-free microcredit;

Support in creating organizations with own capital.


Areas of Citizens' Cooperation :

After receiving the loan by the beneficiary from the 2nd month in equal 10 installments or in 1, 2 or 3 installments depending on the scheme, the loan amount will be returned with 5% service charge;

Savings at regular fixed rates by the party member;

Adherence to all matters that members are made aware of through the program;

To assist the authorities in recovering any loan received by a beneficiary if it is not paid regularly;

Providing information and assistance to the authorities in selecting the right villages/mahallas and suitable borrowers;

Inform the competent authorities if any irregularities are observed in disbursement of loans.


Service Delivery Period :

1st time loan disbursement 1 month after village/mahalla election;

Reinvestment/2nd/3rd stage loan disbursement, 20 days after application.


At a Glance Bhola District Rural Mother Center  Schedule:

02. (a) Rural Mother Center Program (RMC) : Investment

No

Upazila Name

Sector Name

Total funds received

Invested funds

Scheme No

Chargeable Sa: Including Charges

Collected Sa: including charges

Collection rate

1.

Bhola Sadar

R, M, C

Rural maternity center

2423200

2250700

898

2190970

1261370

58%

2.

Daulatkhan

2413200

2395100

565

2634610

1194930

45%

3.

Borhanuddin

2342500

1697310

1525

1867041

1486210

80%

4.

Lal Mohan

2229600

960000

1097

1056000

724260

69%

5.

Charfasan

2421600

2196900

1105

1936590

1729188

89%

6.

Tajumuddin

2262500

1620000

1117

1782000

1421640

80%

7.

Manpura

2229600

995000

2269

1094500

1056000

96%

Total =

16322200

12115010

8576

12561711

8873598

71%



    (b) Rural Mother Center Program (R,M,C): Reinvestment

No

Upazila Name

Sector Name

Invested funds

Scheme No

Chargeable Sa: Including Charges

Collected Sa: including charges

Collection rate

1.

Bhola Sadar

R, M, C

Rural maternity center

1560000

978

1716000

1549851

90%

2.

Daulatkhan

1280200

490

1408220

925639

66%

3.

Borhanuddin

2255030

1667

2480533

1519111

61%

4.

Lal Mohan

217600

234

239360

65626

27%

5.

Charfasan

695000

32

764500

700975

92%

6.

Tajumuddin

1680725

473

1848798

1139820

62%

7.

Manpura

1056000

2262

1161600

274989

24%

Total =

8744555

6136

9619011

6176011

64%

 

The loan amount ranges from Rs.5,000/- to Rs.50,000/- depending on the family.

RMC implementation Manual 2019.pdf