Submitted to the Department of Town and Regional Planning, Bangladosb University of Engineering and Technology, Dacca, in partial fulfillment of the. Golnm Rahman, Head of the Department for his help and advice throughout the process of doing this sentence. The protwnt study attempts to provide an up-to-date evaluation of the outcome of the .Action Research I rojet undertaken in Comilla.
Bee _ World Bank (IBRD) soetor policy paper nural Developmsnt Chapter Page. 2, Published 1978
Bee _ World Bank (IBRD) soetor policy document nural DevelopmsntChapter 1. by the Aetion Research Fellow, and concrete impRct made by the program on the target group. supposed to be a cornpr~hen.sives'tud:y and it contains a wide location of the Bocio-economic aspects of the target group. To find out a suitable ~odel £or the target group of people based on the Boeio-economic condition of the country. The amalgamation of these Work nbops relates to the identity of problems of the ll farmers and landless laborers and to find possible solutions.
GEOGRAPHICAL DISTRIBUTION
To help tho small f8Xlllersin getting their auppl1es ond services neeooeary for carrying out their 1'nrming and other
To help them to Bet access to present institutional credit
- LNCOftE RAI~ING ACTlVITIgd
On it lies roaponsibility nolling .. the whole idea of an action research project for you. Monitors the progress of their activity and initiates. to mentally prepare them to repay the loan before it is too late. He also had some responsibility in collecting repayments from Lonne. a role that was intended for action research monitoring. lhe A.R.F. continues to supplement the rights of i.:h& bonk workor. the bank employee is not yet fully involved in the sub_project~. t.
KOTWALI THANA
Field Survey Through ~e3tionnaire 1
Since comparison is necessary, the structure structure is prepared with reference to the benchmark research report. To gain insight into the effectiveness and results of the project, the income structure of these participants and non-participants in the project are compared. By taking advantage of the opportunities the group is able to improve their standard of living and that will develop. And there is the gradual emergence of a self-reliant economy, these people are erasing the curse of poverty from their lives.
CREDIT OPERATION
SOURCE O? CREDIT
Post otar of group formation: i) The dispersed, unorganized and underprivileged people are organized into groups according to some economic activity which can be a source of ideal income for them. . ii) The concept of group discussion, group decision, group pressure. Group rules are introduced so that underprivileged people can make a plan for their own future. iii). Thus, the Groupo plays a crucial role in ensuring the involvement of each member in the decision-making process. A new person offered to join the group, in accordance with the group's wishes as outlined in the weekly group meeting.
It is mandatory for a member of the group to attend the regular weekly meeting, participate in the auctions and deposit regular weekly savings. decreer from the executive body and keep the group's savings account in the bank. The group being the basic organizational unit of small-scale farmers. landless laborerB, it generally includes o. The chairman and AECrotdrY together prepare the production plan. group :members Select active. and does so at the group meeting where the individual EASB plan is verbally reviewed.
Then with a decision of the group9 the chairpersons or the secretary recommend the programs to the B.s50 education. The duration of the credit depends on the type of activities4 The beneficiaries. individuallY9 and . the group. collective remains rcspolloible ~or the loan within . dub tim04. To overcome this problem. the group members decided to keep their savings with the association and OD passed a resolution on February 9, 1,1979 making it mandatory for every member to keep their savings with the association.
The savings ratio was fixed at Tk. 5 per month per month and since February 23, 1979, the group members have started depositing savings with the association.
POPULATION CHARACTERISTIC:;)
- AVAILABLE LABOUR FOllCE
The people are now living an improved life compared to the post office. ii) People are now all important for education. iii). Within the B classification, which has been deliberately devised to determine the share of the form of work in the total population IUJ.(\furthermore to evaluate the overall distribution of the lorking according to different types of activities. 20.83% of the pMple in Dishnband and 27.28) \ in Bnllavpur not found inYOlved in any sectors because 'they are not old -enouzh to work.
The lack of movement can also be attributed to the Kaliba lord 'located in the village. Employment is linked to the issue of survival for the largest number of unemployed individuals and the respective country. The immediate solution is i.a. 60Ught in the spread of the rural labor market in both agricultural and non_fnrm activities.
Although there were other non-family activities in these areas, these did not live up to expectations. 40'% and 43.49% of the labor force of the entire population repeatedly in diababand and Ballnvpur ~6 available for work. Among these working: people only 13.66% in D1Blmband and 9% in Ba.lla'Vpur campletcl7 were unemployed. The rest of the othersD e.g.
Few perentages of the people were eDlj:\ged in this field of the project because other people were involved in this field of the project, because unlike the ar;rieultural field, the job opportunities were not wide or capable of high expectations .
OCCUJ;'ATIONAL PATTZR!
The impact of economic development is reflected in the diversified nature of the occupation of household members, so that the occupancy pattern may change. A large majority of the head and other family members are mainly engaged in agricultural activities during a certain period of the year as these are seasonal activities. Given the previous picture of the occupational pattern in the agricultural sector, drawn up in the benchmark report.
Thill is one of the main occupations of the landless laborers who draw 1'icll:Sh6'1i1S on a rented basis at a rent of Tk. B/_. Compared to the launch period, the percentage of main oeeu patton of the population in Dinhaband decreased by 6.84% in the head of family and increased by 5.5% in the easo of other mG2~rB nnd Ballavpur the occupation decreased by 2.53% in approx. heads of families and 4.52% in C
The target group's land holdings have witnessed a slight upward trend compared to the launch period due to the improvement that employment brought to their 'economic frontier. much of the poverty reaulted from bn.vinl'; the countries I'Glll01njng. mortgi3~odto for rich peasants. It seems that ineono from the ram sector still dominates the uhole incomo structure of the family. Before the launch of the project, the marginal airmen and landless laborers led a miserable life.
Currently, these problems may be somewhat greater, as people's incomes have increased and credit has improved opportunities for non-agricultural employment.
Buainoss Oriented Activities ,
The average annual income of everyone in the project area comes from different fields. As a result of the credit operation through the project discipline, the income of the project participants increased in both areas. Income for the small fa:rl!lerB participant in Dishn-bond increased by 27.20% and by 27.46% in BallaVpur.
The average income of participants, non-participants and the percentage of its increase are given below. The achievement of the project is indicated by the difference between 'the participants' and the nan-participants 23.45%lUld 36.15 Income increased for the participants and non-participants respectively who used the facilities provided by the project provided, for example because the project had launched the field and a very limited project had started.
Disba
- COHCLU::IION
- RECOI1HENDATIONS
- CONCLUDInG REMARK~
Avern()G ineMa for participl:I.D.ts and non_participants and the percentage of its. The current income .01 of landless workers compared to the benchmark survey of households. Due to tbl'l timely supply of credit the income of the landless laborers increased by 21.25% 1n.Dishaband and b;y 39.81%in.
The income of non-participants decreased by 22% at the end of Dlehaband compared to that during the introduction period. TOTAL AVERAGE ANNUAL INCOME eOi1PARED WITH 'l'HAT PROJECT LAUNCIUNG Pl'Jl.IOD. In the initial period of the project, in the area of certain activities, the income through incentives increases tremendously.
T~ &vorage income of 6lllall larmore, and lwtdlas laborers in Dishabcnd during the launch period of the pro'jcct li1ae Tk. Compurodto tho figures during the washing period the income of the target t.rtlUI! increased by 8.84:- in Di.Eihaband. The aim is to upgrade ~peopleB income and to generate !!jorewerk:ment. The activities include, F.ickahnwTrek, Paddy Processing, Fish Net Weaving, Cow and Rearing, Becf Fattening and others.
In a project called Dishaband and BallaVpur, a new emphasis on non-threatened activities in rural areas is .. a way to eradicate~ .rural pressure7~ Ti6 is documented in the present way.• .. i) Tho dOV 'The activity of pulling rickshaws is very appreciated, as it would improve employment conditions and increase income in the project area. In Btudyarea with "the help of financial incentives" some of the said Ilctivltitlg ce.n create Bclf" employment far for the rural poor! fa ~ sector. But these efforts must be focused on .. activities that have proven to be profitable and contribute to the creation jobs.
Dishaband 6326 2. Ballavpur 5687
POsition of AdXRR6 ProJect - Oomilla
Source _ ~bird annual svaluation workshop on suall farmer and landloas labourorD Dovelopment Project
Income from Livestock product by product
- Bowa. D.S
- Faronk
- Rao V.K.R.V
The Economic of Loans to Informal Groups of Small Farmers in Low Countries Paper presented at the workshop on tlural finance, Dacca, Oct.
