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জনস্বার্থে বিশেষ সতর্কবার্তা
জনস্বার্থে বিশেষ সতর্কবার্তা: অবৈধ ডিজিটাল ঋণ অ্যাপস থেকে সতর্ক থাকুন!
প্রিয় গ্রাহক,
আপনার আর্থিক নিরাপত্তা ও ব্যক্তিগত তথ্যের সুরক্ষা নিশ্চিত করা আমাদের সর্বোচ্চ অগ্রাধিকার। সাম্প্রতিক সময়ে দেখা যাচ্ছে যে, বাংলাদেশ ব্যাংকের অনুমোদন ছাড়া কিছু অবৈধ মোবাইল অ্যাপের মাধ্যমে প্রলোভন দেখিয়ে ডিজিটাল ঋণ প্রদান করা হচ্ছে। এসব অনুমোদনহীন অ্যাপ ব্যবহার করে সাধারণ গ্রাহকেরা আর্থিক ক্ষতি ও মারাত্মক ব্ল্যাকমেইলিংয়ের শিকার হচ্ছেন।
আপনার আর্থিক নিরাপত্তা ও ব্যক্তিগত তথ্যের সুরক্ষা নিশ্চিত করা আমাদের সর্বোচ্চ অগ্রাধিকার। সাম্প্রতিক সময়ে দেখা যাচ্ছে যে, বাংলাদেশ ব্যাংকের অনুমোদন ছাড়া কিছু অবৈধ মোবাইল অ্যাপের মাধ্যমে প্রলোভন দেখিয়ে ডিজিটাল ঋণ প্রদান করা হচ্ছে। এসব অনুমোদনহীন অ্যাপ ব্যবহার করে সাধারণ গ্রাহকেরা আর্থিক ক্ষতি ও মারাত্মক ব্ল্যাকমেইলিংয়ের শিকার হচ্ছেন। অবৈধ ঋণ অ্যাপস কেন অত্যন্ত বিপজ্জনক? ব্যক্তিগত তথ্যের গোপনীয়তা হরণ: অ্যাপ ইনস্টল করার সময় গ্রাহকের ফোনবুক, গ্যালারির ছবি, ভিডিও ও বার্তার নিয়ন্ত্রণ নিয়ে নেয় চক্রটি। অত্যধিক ও বেআইনি সুদ: ঋণের আড়ালে পরবর্তীতে অস্বাভাবিক ও অতিরিক্ত সুদ দাবি করা হয়। হয়রানি ও ব্ল্যাকমেইল: অর্থ পরিশোধ করতে না পারলে সংগৃহীত ব্যক্তিগত ছবি ও তথ্য ব্যবহার করে গ্রাহক ও তাঁর স্বজনদের হয়রানি করা হয়। আপনার করণীয় ও সতর্কতামূলক নির্দেশাবলী: ১. ফেসবুক বা অন্যান্য অনলাইন বিজ্ঞাপন দেখে অনুমোদনহীন কোনো লোন অ্যাপ ডাউনলোড করবেন না। ২. কোনো অ্যাপকে আপনার ফোনের ব্যক্তিগত পরিচিতি (Contact List), ছবি বা মেসেজের অ্যাক্সেস দেবেন না। ৩. যেকোনো আর্থিক লেনদেন ও ঋণের জন্য কেবল বাংলাদেশ ব্যাংক অনুমোদিত সিডিউল্ড ব্যাংক, আর্থিক প্রতিষ্ঠান বা অনুমোদিত MFS সেবা ব্যবহার করুন। পরিশোধ ও নিষ্পত্তি ব্যবস্থা আইন, ২০২৪ অনুযায়ী অনুমোদনহীন প্ল্যাটফর্মের মাধ্যমে ঋণ প্রদান বা লেনদেন একটি দণ্ডনীয় অপরাধ। সচেতন থাকুন, নিরাপদ থাকুন।
গণ উন্নয়ন প্রচেষ্টা কোন প্রকার অনলাইনে ঋন দেয় না। এ বিষয়ে জনস্বার্থে সকলের কাছে অনুরোধ প্রতারক হতে সাবধান।
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We are pleased to present the Annual Report 2025-2026 of Gono Unnayan Prochesta, incorporating
notable achievements, learnings, and experiences from the reporting period. The report categorizes all
of Gono Unnayan Prochesta ‘s programmes and projects into five main categories: Economic, Social,
Health, Education and Support Programmes like Microfinance Programmes, Livestock (goat breeding
and poultry) and Pisci-culture, Afforestation, Peace Centre, Education, Uplifting the Quality of the
Lives of the Elderly People Programme (UQLEP), Disaster Management, GUP Physiotherapy and
Rehabilitation Centre (GPRC), Annual Eye Camp, Capacity Building through Training Centre, ENRICH
(Somriddhi) Programme and major projects such as ENRICH (Samridhi), RAISE, Sanitation, Drinking
Water and Income Generating Activities Project with Bangladesh NGO Foundation (BNF), Bangladesh
Rural Water, Sanitation and Hygiene for Human Capital Development Project (BD Rural WASH for
HCD) with PKSF, Field Level Water Quality Testing Project (HYSAWA),Collaborative research on
Evaluation Nara Women’s University (NWU), Japan etc.
• Despite the challenges posed by the COVID-19 pandemic,Gono Unnayan Prochesta’s activities in this
reporting period were less impacted compared to the previous year. The report emphasizes the alignment
of its achievements with the planned activities for the year 2025-2026, attributing the success to the
collective efforts of all stakeholders of Gono Unnayan Prochesta.The team demonstrated confidence and
commitment in meeting community needs and honoring commitments to the people.
• We extend our gratitude to the relevant ministries and government departments of Bangladesh, including
the Department of Forestry,Department of Livestock Services, Department of Education, Department of
Social Welfare, NGO Affairs Bureau, Joint Stock Company, Microcredit Regulatory Authority (MRA),
Local Administration, and Local Government Authority for their essential assistance, broad support,
and cooperative efforts in implementing Gono Unnayan Prochesta ‘s planned activities.
• Special appreciation is also extended to international organizations, development partners, and donors,
particularly PKSF, Banks, HYSAWA, and NGO Foundation, for their sincere assistance and consistent
cooperation. Additionally, we acknowledge the Nara Women University, Japan, for their collaboration
in joint research activities within Gono Unnayan Prochesta ‘s working areas, contributing to relevant
outcomes and findings.
• Our heartfelt thanks go to the esteemed members of the General Council and Executive Committee for
their untiring guidance and valuable suggestions in implementing Gono Unnayan Prochesta’s visionary
and creative activities. We acknowledge the change in leadership, welcoming our newly elected president,
Dr. Rasheda Akhtar, and expressing gratitude for the departing president’s great leadership and support.
• The report particularly documents key activities, presenting notable facts and figures through the use of
infographics, success stories and pictures for a compelling and insightful presentation.
• In conclusion, sincere thanks are extended to all colleagues and the dedicated Gono Unnayan Prochesta
team members, who have been instrumental in achieving targets and whose incredible efforts have made
the reported accomplishments possible.
Engr. Md. Monzurul Islam Chowdhury
Executive Director
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Massage from President
It is my honor to present the Annual Report of Gono Unnayan Prochesta for the period July 2024 to June 2025. This report reflects the organization’s progress in advancing inclusive socio- economic development and underscores Gono Unnayan Prochesta’s continued role as a trusted and resilient community development organization in Bangladesh.
Since it’s establishment in 1973, Gono Unnayan Prochesta has remained committed to empowering marginalized communities and promoting sustainable development. Guided by this vision, our programs have continued to expand opportunities for economic empowerment, social inclusion and human development. During the reporting year , the Microfinance Programme maintained strong growth and outreach, enabling more households to access financial services and strengthen their livelihoods.
The year also presented a number of challenges. The broader economic environment in Bangladesh placed pressure on financial sustainability, while the restructuring of staff salaries - an important step toward strengthening institutional capacity - required additional financial commitments. However, these measures were undertaken as strategic investments in the long-term resilience of the organization. By enhanceing staff capacity and mobilising resources through commercial bank financing, Gono Unnayan Prochesta was able to sustain program expansion and maintain a stable financial position.
Consistent with it’s integrated development approach, Gono Unnayan Prochesta continues to reinvest surplus income generated through the Microfinance Programme into critical sectors such as health, agriculture, education and human development. This reinvestment strengthens community resilience and ensure that development gains extend beyond financial inclusion to broader improvement in equality of life.
Looking ahead, Gono Unnayan Prochesta remains committed to strengthening its institutional capacity, promoting innovation and expanding development initiatives that respond to the evolving needs of communities. Through sustained collaboration with government institutions, development partners and local stakeholders, the organization will continue contributing to inclusive and sustainable development.
I would like to express my sincere appreciation to the Government of Bangladesh, our valuable donors, Polli Karma-Sahayak Foundation (PKSF), Bangladesh NGO Foundation (BNF), commercial banks and our partner organizations for their continued support. I am also grateful to the members of the General Council and Executive Committee, as well as our senior management and dedicated staff, whose commitment and professionalism remain central to Gono Unnayan Prochesta’s achievements.
Together, we look forward to continuing our journey towards building resilient communities and a more
Professor Dr. Rasheda Akhtar
President
Executive Committee
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Preface
We are happy to share the Annual Report 2024–2025 of Gono Unnayan Prochesta, which highlights our achievements, lessons, and experiences from the year. The report covers programmes in five main areas: Economic, Social, Health, Education, Agriclture and Support initiatives. These include Microfinance, livestock projects such as goat breeding and poultry, fish farming, tree planting, the Peace Centre, education programmes, disaster management, physiotherapy and rehabilitation services, annual eye camps, capacity building, and the ENRICH/Somriddhi Programme.
We also continued important collaborations, including RAISE, sanitation and drinking water projects, income generating activities with the Bangladesh NGO Foundation, Bangladesh Rural Water, Sanitation and Hygiene (WASH) for Human Capital Development (HCD) Project with Palli Karma-Sahayak Foundation, and Field Level Water Quality Monitoring Project with HYSAWA.
This report presents our key activities with clear facts and figures, supported by info graphics, inspiring success stories, and vivid photographs making it both informative and engaging.
We sincerely thank the government departments of Bangladesh such as Forestry, Livestock Services, Education, Social Welfare, NGO Affairs Bureau, Joint Stock Company, Microcredit Regulatory Authority (MRA), Palli Karma-Sahayak Foundation, Local Administration, and Local Government for their valuable support and cooperation. Their contributions have been vital in helping Gono Unnayan Prochesta successfully carry out its planned activities.
We extend our heartfelt thanks to our international partners, development organizations, and donors for their constant support, which has been vital in advancing Gono Unnayan Prochesta’s mission. In particular, we deeply appreciate the genuine assistance and cooperation of Palli Karma-Sahayak Foundation, different Commercial Banks, HYSAWA, and the Bangladesh NGO Foundation. Their contributions have greatly strengthened the impact and reach of our work.
We are also grateful to the members of our General Council and Executive Committee for their dedication, guidance, and valuable contributions in bringing Gono Unnayan Prochesta’s vision to life. Their support has been a cornerstone of our success.
Finally, we offer our sincere thanks to all colleagues and team members of Gono Unnayan Prochesta. Their commitment, hard work, and teamwork have been the driving force behind achieving our goals and turning plans into reality.
Engr. Md. Monzurul Islam Chowdhury
Executive Director
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Ms. Manowara Begum, a resident of Char Kashimpur village of Paikpara Union of Rajoir Upazila
under Madaripur District lost her father when she was only three years old. As a child, she grew up
in extreme poverty in her elder brother’s household. Manowara Begum could not receive any formal
education due to poor financial condition.At the age of 18, she was married to Shaheed Howladar.
After coming to this world as a bride 30 years ago with golden dreams, only poverty stood as an
obstacle in front of her. There was not even a small tin house for the husband, wife and sick motherin-law to live together. On request of Manowara Begum, her uncle-in-law gave them only two kathas
of land to live in, where she started living there by building a house with jute fence and tin roof. Her
husband had to work as a day laborer in other people’s houses to support the family. Meanwhile,
two sons were born. The two boys grew up and the household expenses increased.In this situation,
a neighbor advised her husband to drive a van and raise poultry and goats. But to realize this dream,
cash is needed. At that time, through one of her relatives from the neighboring house, Manowara
Begum came into contact with an organization called “Gono Unnayan Prochesta” at Sindiaghat.
Then, Manowara Begum got the membership of Char Kashimpur Kalyan Mohila Samity on 12-10-
2009, whose Samity Code- 1018 and Member Code-1173. After becoming a member, Manowara
Begum started accumulating savings and applied for a loan a month later. The branch manager
made a pre-loan assessment on her application and granted her a loan of Tk. 30,000 (Taka Thirty
Thousand) for poultry farming and purchase of a foot-operated van. With this money she bought a
van for her husband, a goat and some chickens for rearing. Her husband Shaheed Hawladar used to
transport people’s goods instead of bringing people in the van, so the income was relatively higher
than the other van pullers. Her husband also helps her in goat and poultry rearing.
In addition to taking general loans nine times, she started cultivating Tomatoes, Bitter gourds,
Shrimps, Cucumbers with the aim of increasing her source of income by taking six-month term
‘Suphalon’ loans. Produced vegetables are also bought at home by the wholesalers and retailers,
and sometimes sold in local markets.
11 ANNUAL REPORT
July 2021 - June 2022
Rabey Begum : Profile of an ‘Ideal Farmer’
Rabeya Begum is a poor housewife of Sonamoyi village of Chandra Union of Bhanga Upazila of
Faridpur District. Her life was burdened with interest imposed by the local money lender. She had no
choice but to leave Sonamayi village in the dark of night; and at that time, Sabina Begum, chairman
of Sonamoyi Sheikh Bari Women’s Samity (No. 1029) introduced her to the field organizer of GUP. On
his advice, she accepted the membership of this Samity on 3 October, 2018. Then she took a loan
of Tk. 30,000 (Taka Thirty Thousand) for the first time for the purpose of agricultural work following
the rules of the organization. Rabeya’s husband Razzak Mia was skilled in agricultural work. With the
money, the Rabeya couple leased two bighas of land and in the same year cultivated onions on half
of the land and planted onions on half of the land for onion seeds.
Thus, through hard work, Manowara Begum bought a twenty-four khata residential land and herself
built two tin houses. She has installed deep tube wells for safe drinking water for household use,
used sanitary latrines. Unfortunately, the only earner in the family, her husband suddenly broke
his arm in a road accident and when the matter was reported to the GUP Sindiaghat branch
office, the organization waived off the balance of their loan Tk. 20,000 (Taka Twenty Thousand).
Her current monthly income from poultry, goat rearing and vegetable farming is approximately Tk.
50,000-60,000. Now her husband does not have to work in other’s house. She took a general loan
of Tk.30,000 (Taka Thirty Thousand) and also a half-yearly ‘Sufalon’ loan of Tk.30,000 (Taka Thirty
Thousand) with which she set up a fertilizer and pesticide shop for her elder son. She bought two
bigha of crop land with the money earned. She hopes to buy a microbus for her younger son in the
future. Manowara Begum said:
“Once I could not properly feed the mouths of everyone in the family. There has
been a change in fortunes in cooperation and development advice from GUP. I
became independent. I am now able to provide employment to seven people
with the money earned from my business and farming”
